Cards · Apple Pay · Google Pay

Card payments
with no monthly fee.

No monthly fee and no commitment. An AI assistant helps you with the connection anytime, and our team answers the more complex questions.

  • Visa
  • Mastercard
  • Apple Pay
  • Google Pay
pay.atlayo.comSample

Alcapone Café

1 250,00 Kč

Order #1042

Card number
1234 1234 1234 1234
Expiry date
MM / YY
Security code
CVC
Apple Pay Google Pay
Pay 1,250 CZK
This is what the payment looks like for your customer. The shop is made up.

How it works

1

Sign in with Atlayo ID

You sign in the same way as for the other Atlayo services. You confirm access on your phone.

2

Connect your shop

You fill in the details and verify your company and payout account. With a test key you try everything without real money and go live when you are ready.

3

Payment at checkout

The customer pays at a checkout with your shop name and logo, by card, Apple Pay or Google Pay, then returns to your shop.

Easy to connect to your store

One key connects OpenCart, WooCommerce, PrestaShop and your own site.

Fee calculator

The customer pays 850 CZK and the fee is 33.65 CZK before tax.
There is no monthly fee.

Atlayo Pay 2.9% + 9 CZK, before tax

Price list

  • Standard European card2.9% + 9 CZK
  • Premium card4.5% + 9 CZK
  • UK card4.1% + 9 CZK
  • Card from outside Europe4.9% + 9 CZK
  • Payment in a currency other than the primary one+2% for conversion
  • Failed payment0 CZK
  • Monthly fee0 CZK
  • Minimum payment15 CZK
  • Refund to the customer0 CZK, the payment fee is not returned
  • Bank dispute (chargeback)550 CZK
  • Payout from 10,000 CZKFree, sent automatically
  • Smaller balanceWaits for more sales, free

Prices exclude tax.

Why Atlayo Pay

What gateways usually differ on.

Atlayo Pay

  • Monthly fee0 CZK
  • Activation feeNo fee
  • ApprovalOnline verification
  • ContractNo commitment
  • PayoutsFree from 10,000 CZK

At some Czech gateways

  • Monthly feeOften 100 to 490 CZK / month
  • Activation feeSometimes with a fee
  • ApprovalOften a few days
  • ContractSometimes a 1–2 year term
  • PayoutsSometimes with a fee

Indicative comparison, as of 11/2026. Terms and prices differ between gateways and change over time, please check them with the provider. Atlayo Pay prices exclude tax.

Payment security

You never see the card number

The customer enters the card into a secure form. Neither your site nor Atlayo sees or stores card numbers.

PCI DSS

The payment infrastructure is certified to PCI DSS Level 1, the highest level of the card payment standard. You do not have to store cards on your own server.

3D Secure

When the bank requires strong authentication, the customer confirms the payment in the banking app or by SMS. This reduces unauthorised payments.

Fraud screening

Every payment is automatically screened for suspicious behaviour. The connection to the app and the checkout is encrypted (HTTPS).

Currencies

  • Kč CZK Czech koruna
  • € EUR Euro
  • $ USD US dollar
  • £ GBP Pound
  • zł PLN Zloty
  • Ft HUF Forint
  • CHF CHF Franc
  • kr SEK Swedish krona
  • kr NOK Norwegian krone
  • kr DKK Danish krone
  • lei RON Leu
  • ¥ JPY Yen

Common questions

Are there any hidden fees?

No. A standard European card costs 2.9% + 9 CZK before tax. Premium, UK and international cards have their own rate in the price list. A payment in a currency other than the primary one has a 2% conversion surcharge. You set the primary currency in your merchant details; for businesses in Czechia it is the koruna. If a customer disputes a payment with their bank, the dispute costs 550 CZK and the disputed amount is taken from your balance. A won dispute returns the money. There is no monthly fee and a failed payment costs nothing. On a refund the payment fee is not returned.

How does tax work?

Prices exclude tax. For companies in Czechia we add 21% tax to the fees. For VAT-registered businesses in another EU country we add no tax, they account for it themselves (reverse charge). Every month you get a tax invoice for all fees.

Who can use the service and what can I not sell?

The service is only for companies and sole traders, not for consumers. You cannot sell illegal goods or restricted activities, for example counterfeits, drugs, weapons or gambling without a licence. The full rules are in the terms.

How long does company verification take?

Your company, the people who run it and the payout account are verified online. It is often quick, but if further documents are needed it can take several business days. Until verification is complete you can try everything with a test key.

When does the money reach my account?

Payouts are always free. Once you have at least 10,000 CZK available, it is sent automatically to the account from verification. A smaller balance waits for more sales. The first payout leaves no earlier than 14 days after the first payment, later ones usually arrive within 3 business days.

What if a customer disputes a payment with their bank?

The disputed amount is taken from your balance straight away and the bank asks for evidence. You send it in the app under Disputes (invoice, proof of delivery, communication with the customer). If you win, the amount is returned. A dispute costs 550 CZK before tax and is charged even if you win.

Start accepting cards today

The account is free, with no commitment. Try everything first in test mode, with no real money.

Create a free account