Payment solution for coffeeshops: card payments at the counter
Yes, you can take card payments in your coffeeshop. LunaPay arranges card acceptance at the counter for coffeeshops, with payment terminals connected to your till and multiple acquirers behind the scenes so you are never dependent on a single party. If a bank or payment service refuses or terminates you, that is exactly what we are built for.
Why coffeeshops get refused
Coffeeshops operate under the Netherlands’ tolerance policy, and yet many banks and payment service providers refuse the sector outright. Regular banks often do not offer the card service directly, and providers terminate coffeeshops with some regularity. Just how real that risk is became clear when a major payment service provider cancelled the contracts of dozens of coffeeshops and the trade association successfully went to court to keep the service. The lesson is simple: if you depend on one party, you are stuck the moment they pull out. That is why we set up your acceptance across multiple acquirers from the start.
What you get with LunaPay
A coffeeshop runs primarily on card present, so card payments in the shop:
- Payment terminals that simply work, contactless and by card.
- Till integration through LunaPay Bridge, so terminal and till work together smoothly.
- Multiple acquirers as a backstop, without your customer noticing a thing.
- Fast payout, depending on your package.
- A dedicated point of contact who knows your business.
| A single provider | LunaPay with multi-acquiring | |
|---|---|---|
| Termination by one party | You can no longer take card payments | You keep taking payments through another acquirer |
| Outage | The counter grinds to a halt | Taken over instantly |
| Dependency | Total | Spread |
Your payments keep running.
Most providers rely on a single acquirer, the party that processes your card transactions. If that one goes down or refuses your sector, your payments stop. With us, every transaction runs across multiple licensed acquirers. If one declines or falters, another takes over instantly. That is what we call multi-acquiring. For a coffeeshop, this means a termination or outage at one party does not shut down your counter, because the transaction simply carries on through another acquirer.
Read how multi-acquiring worksWhere are you now?
Also for
Coffeeshops with a single location or multiple branches, and owners who want to take payments at the counter and online. Do you also sell smartshop or CBD items? Then take a look at our smartshop and CBD page too.
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Live in three steps.
Book a video call
In a short video call of around 15 minutes we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and the certainty of multiple acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions
Can I take card payments in my coffeeshop?
Yes. We arrange card acceptance at the counter for coffeeshops, with multiple acquirers as a backstop.
What if my payment service terminates my coffeeshop?
Book an intro call. We take over your acceptance and set it up so you are no longer dependent on a single party.
Which payment solution suits a coffeeshop?
Card payments at the counter with a range of terminals, connected to your till, plus fast payout and a dedicated point of contact.
Can I connect my till to the card terminal?
Yes, through LunaPay Bridge we connect terminal and till so they work together smoothly.
Can I also accept online payments?
Yes, if you have a webshop or order page, we add card not present without any hassle.
How quickly do I get paid out?
Depending on your package, in some cases the next working day.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for coffeeshops.