Frequently asked questions

We apply a transparent IC++ model with commissions between <strong>{{min}}%</strong> and <strong>{{max}}%</strong> plus Interchange Fee.

Basic integration takes just a few hours thanks to our RESTful APIs and ready-to-use SDKs. Our technical team supports you through the entire onboarding process.

Yes, RoxPay unifies e-commerce payments and physical Android POS in a single dashboard. Automatic reconciliation, real-time reports, and centralized management.

Yes, RoxPay integrates automatic electronic invoice submission to SDI directly into the payment flow, with OTP digital signature included.

We offer plugins for WooCommerce, Magento, Shopify, and PrestaShop. For custom platforms, our documented RESTful APIs allow integration into any environment.

Technical integration is included. No setup fees. You only pay commissions on actual transactions.

Yes, our gateway supports tokenization and subscriptions. <a href='/en/soluzioni/pagamenti-ricorrenti'>Discover recurring payments →</a>

With RoxPay's PCI Proxy, your PCI scope drops to SAQ A — the simplest level possible. It's a short annual questionnaire, with no on-site audits or dedicated infrastructure required.

Yes. RoxPay tokens are universal and gateway-independent. You can route traffic to multiple processors simultaneously or migrate to a new provider without losing data.

Basic integration requires just a few lines of code. Replace HTML input fields with our Secure Fields and we handle the encryption and secure transmission. Many customers go live in less than a week.

Network tokenization replaces the card PAN with a token issued by Visa/Mastercard networks. Expired or renewed cards are automatically updated, reducing failed payments and improving approval rates.

Yes. RoxPay supports independent 3-D Secure authentication. You can authenticate with us and share the data with your gateway for payment authorization — protecting you from fraudulent transactions.

Yes. RoxPay supports secure token migration from any PCI-compliant provider. The process is transparent and without service interruption — your customers won't notice any change.

No. The customer uses their normal banking app to authorize the payment.

We support over 2,000 European banks, including all major Italian institutions (Intesa, Unicredit, BPM, etc.).

Absolutely. The customer never shares banking credentials with you. Authorization happens in their bank's secure environment.

Technical integration takes just a few days. RoxPay provides documented RESTful APIs and a dedicated team to guide you through every step, at no extra cost.

PIS (Payment Initiation Service) allows you to initiate instant transfers from checkout. AIS (Account Information Service) lets you verify IBAN, account ownership and available balance, useful for onboarding and customer verification. VOP (Verification of Payee) verifies that the payee name matches the destination account holder before payment execution, reducing errors and fraud.

Open banking fees range from 0.2% to 0.5% per transaction, versus 1-3% for credit cards. On a volume of €100,000/month, savings can exceed €1,000 monthly.

The credit risk is entirely borne by RoxPay or the partnering financial institution. The merchant receives the full sale amount immediately at the time of order, regardless of the installment plan chosen by the customer. Zero exposure for your business.

Our AI algorithms analyze hundreds of datapoints by combining Open Banking (access to customer bank data with their consent), credit bureaus Crif/Experian, and behavioral data. It all happens in under one second, with no paperwork or payslips required.

Integration uses documented RESTful APIs with a test sandbox. For e-commerce platforms with standard plugins (WooCommerce, Shopify, Magento), setup takes just a few days. For custom integrations, the RoxPay technical team supports every step of the process.

Yes. The solution is fully omnichannel and works both in online checkout and on RoxPay Smart POS terminals. The approval process is identical across every channel: instant credit scoring via Open Banking and real-time response at the point of sale.

Yes, we support secure token migration from other providers without interruption for your customers.

Credit cards, some wallets, and SEPA bank transfers (via Open Banking).

Our Account Updater tries to get new data from the networks. Alternatively, we send an email to the customer to update them.

The RoxPay smart Android POS accepts chip cards (Visa, Mastercard, Amex), NFC contactless, Apple Pay, Google Pay, Samsung Pay and QR code payments. The terminal supports all major international card networks and digital wallets.

Integration is done via documented RESTful APIs. The RoxPay POS connects to your cash register software, ERP or hotel PMS in just a few clicks. The technical team supports integration from analysis to go-live, with ready-to-use SDKs for Android and web.

Yes. The RoxPay dashboard unifies data from all sales channels: physical POS, e-commerce and marketplace. Consolidated reports include filters by channel, operator, time slot and payment method, with automatic accounting reconciliation.

No. Recognition is transparent. The customer only sees "Want to use your saved card?" without knowing it's Rox-Memory.

We use an encrypted hash of the Tax ID/VAT number. No personal data is shared between merchants.

Yes, as a merchant you can choose whether to participate in the network. It's active by default because it increases conversions.

The RoxPay anti-fraud system is optimized to minimize false positives. Machine learning algorithms distinguish fraudulent patterns from legitimate behavior by analyzing dozens of signals in under 50ms. Each merchant can customize sensitivity thresholds based on their industry and risk profile.

When you receive a chargeback, the dashboard guides you through the response: upload delivery evidence, order history and customer communications. The system suggests the most effective strategy for each type of dispute, increasing your win rate.

With RoxPay, your PCI scope is reduced to the minimum. Card data doesn't transit your servers thanks to managed tokenization. You only need to fill out a simplified SAQ questionnaire, saving time and audit costs.