onpay.io

What Is It

OnPay is an online payment gateway developed, owned, and operated by team.blue in Denmark, positioned for online store payment collection. The source text clearly identifies it as a PCI-DSS-certified payment gateway and mentions a merchant dashboard, transaction statistics, payment window, API documentation, and e-commerce plugins. Overall, it looks more like SME-focused payment infrastructure for Danish and European e-commerce merchants.

Core Capabilities

In terms of payment methods, OnPay supports card payments, Apple Pay, and Google Pay, with MobilePay available as an add-on. It also offers installment payments, buy now pay later, 3D Secure, subscription payments, saved cards, merchant-initiated transactions, and tokenized cards. On the compliance side, PCI-DSS is its clearest security credential, indicating that it meets card payment data security standards. Publicly available risk-control details are limited, but 3D Secure, SCA documentation, multi-factor authentication, card rules, logs, and error codes can help reduce fraud and troubleshoot transaction issues. For integrations, it supports Dandomain, thirty bees, PrestaShop, WooCommerce, and Magento, and provides API and payment window documentation, making it suitable for quick integration with common online store platforms.

Pricing

OnPay’s pricing structure is relatively clear: Start-up costs 9 DKK/month and is aimed at new merchants with fewer than 100 transactions per month, with an additional 1 DKK charged per transaction; the acquirer is Clearhaus. Success costs 149 DKK/month, has no transaction volume limit, charges an additional 0.25 DKK per transaction, includes 300 free transactions per month, and allows merchants to choose their acquirer freely. MobilePay is available as an add-on for 49 DKK/month, while subscription payments cost an additional 99 DKK/month. The source text does not disclose card scheme fees, cross-border fees, chargeback fees, refund fees, or settlement timelines.

Pros, Cons, and Best Fit

Its strengths include clear security certification, easy-to-understand plans, plugin coverage for mainstream e-commerce systems, and support for subscriptions, wallets, and BNPL scenarios. Its weaknesses are that public materials lack details on supported countries, full fee schedules, payout timelines, and payment licensing; the Start-up plan also has limited acquiring flexibility. It is best suited to Danish local startups, small and growing merchants using relevant European e-commerce platforms, and agencies looking to resell payment services.

Access from China and Alternatives

The source text does not provide information on access from mainland China, Chinese-language support, or onboarding for Chinese merchants, so china_access can only be rated as unknown. For global sellers or Chinese cross-border merchants, it is worth comparing alternatives such as Stripe, Adyen, PayPal, Mollie, QuickPay, Nets Easy, and PensoPay, with particular attention to supported onboarding regions, settlement currencies, chargeback handling, and coverage of local payment methods.