Frequently Asked Questions
Everything you need to know about EU Pay — for businesses and customers.
Business FAQ
Answers to the most common questions from merchants using EU Pay.
What is EU Pay for merchants?
EU Pay helps local businesses increase sales by converting every transaction into loyalty with rewards, cashback, and retention tools.
How does EU Pay help me grow my business?
EU Pay turns one-time shoppers into repeat customers with built-in loyalty programs and personalized incentives that drive retention.
Do I need a payment terminal or hardware?
No. EU Pay works with simple QR-based payments, so you do not need expensive card terminals or additional hardware.
What types of businesses can use EU Pay?
EU Pay is designed for local SMEs such as cafes, restaurants, tabacs, grocery stores, bakeries, and retail shops.
How does the loyalty program work?
Customers earn rewards automatically when they pay. Merchants can offer cashback, discounts, or personalized offers directly through EU Pay.
Is EU Pay difficult to set up?
Not at all. Merchants can onboard quickly, generate a QR code, and start accepting payments and rewarding customers in minutes.
What insights do I get as a merchant?
EU Pay provides analytics such as repeat customer rate, popular spending patterns, and AI-based recommendations to improve loyalty and revenue.
How much does EU Pay cost?
EU Pay offers a freemium model: a Free plan with basic loyalty and payments, and a Premium plan (25 EUR/month) with advanced analytics, marketing tools, and AI recommendations.
Is EU Pay secure and compliant?
Yes. EU Pay uses PSD2 open banking infrastructure with regulated partners, ensuring secure payment initiation and customer authentication.
How does EU Pay compare to card payments?
EU Pay reduces dependency on card networks, lowers transaction fees, and adds loyalty features that traditional card payments do not provide.
Does EU Pay have its own payment system?
Yes. EU Pay provides its own payment solution with QR-based account-to-account (A2A) payments. Users earn higher cashback when paying with EU Pay, and merchants benefit from lower costs versus traditional card payments.
Client FAQ
Answers to the most common questions from EU Pay users.
What is EU Pay?
EU Pay is a loyalty app that lets you earn instant cashback and rewards at local merchants such as cafes, restaurants, tabacs, grocery stores, bakeries, and retail shops.
How do I earn rewards with EU Pay?
Every time you pay with any payment mode (card, Apple Pay, Google Wallet, SEPA), you automatically receive cashback or loyalty rewards with no coupons or stamp cards.
Where can I use EU Pay?
You can use EU Pay at participating cafes, shops, restaurants, tabacs, and local businesses in your city.
Do I need a bank account to use EU Pay?
Yes. EU Pay connects securely with your bank account through open banking to enable fast account-to-account payments.
Is EU Pay free for users?
Yes, the basic app is free. Premium plans (2-5 EUR/month) unlock higher cashback and exclusive offers.
How do I pay with EU Pay?
Scan a QR code at checkout, confirm the payment, and instantly receive your reward. Payments made directly with EU Pay offer double cashback compared to card, Apple Pay, or Google Wallet.
Is EU Pay safe?
Yes. EU Pay uses bank-level security and regulated open banking partners. Your data and payments are fully protected.
Can tourists use EU Pay?
Yes. EU Pay is designed to support seamless, cardless payments for tourists visiting France and Europe.
Do I get digital receipts?
Yes. EU Pay provides automatic digital receipts, supporting France's move toward paperless transactions.
Why should I use EU Pay instead of my card?
With EU Pay, you do not just pay. You earn rewards, discover local businesses, and save money instantly, even when you pay by card.