How can we help?

Once your account is set up, customers pay via QR code — they scan, authenticate with their bank, and funds arrive directly. No card terminal needed. Generate your QR from the merchant app or web portal under Settings → QR Code.

Every payment through EuropeanPay automatically earns the customer EUP points based on the amount spent. No stamps, no cards — fully automatic. Configure reward rules and point multipliers from your merchant dashboard under Loyalty.

We offer Starter, Growth, and Premium plans billed monthly, plus a free tier. Payments are made via bank transfer through the app. See the Business page for full plan details.

Go to Settings → Bank Accounts in the merchant portal or app. We use Powens (Open Banking) — you authenticate directly with your bank and no credentials are stored by EuropeanPay.

E-invoicing (via Seqino PDP) is required for B2B invoices in France from 2026. Enrol from Settings → E-Invoicing in the merchant portal. It is optional for B2C-only merchants.

Accounts are temporarily suspended if a platform fee bill is overdue. Go to Billing in the merchant portal to view and pay outstanding bills. Suspension lifts automatically once payment is confirmed.

Go to Team in the merchant portal and send an invite by email. Staff can have limited roles (staff or accountant) with configurable permissions. They receive an email to set their password and log in.

Pay at any EuropeanPay merchant by scanning their QR code with the EUPay app. Points are credited to your wallet automatically after each payment. View your balance and history in the app under Wallet.

Go to Wallet → Withdraw in the customer app. Verify your PIN and accept the withdrawal terms. Funds are transferred to your registered bank account — typical processing time is 1–3 business days.

Open the EUPay app, tap Scan, and point your camera at the merchant's QR code. Confirm the amount, then authenticate with your bank. Payment is instant.

Yes — merchants can display a web QR that any camera can scan. You'll be taken to a browser payment page. You can create an account after payment to claim your points.

Payments move from pending to confirmed within minutes once your bank sends confirmation. If pending for more than 2 hours, contact your bank first. Then email us if the issue persists.

Bank-to-bank transfers are final once confirmed. Email support@european-pay.eu with your transaction reference and subject line 'Payment dispute — [ref]'. We'll investigate and coordinate with the merchant.

Refunds are initiated by the merchant. Once approved, the amount is returned to your bank account within 2–5 business days. See our Refund Policy for full details.

Open the app and tap Forgot PIN on the PIN screen. You'll receive a verification code by email to reset it. For security, PIN reset always requires email re-authentication.

Try resetting your password via the Forgot Password link on the login screen. If your account is locked due to multiple failed attempts, wait 30 minutes then try again. Still stuck? Email support@european-pay.eu.

Go to Settings → Privacy → Delete Account in the app, or email us with subject 'Account deletion request'. We'll process it within 30 days in line with GDPR.

Email support@european-pay.eu immediately with subject 'Security concern — [your account email]'. We review within 24 hours and can freeze your account if needed.

Yes. We use Powens, an EU-regulated Open Banking provider. EuropeanPay never sees or stores your banking credentials. All connections use bank-grade OAuth. See our Privacy Policy for full details.