Online payments without the hassle
Card not present means paying online: your customer checks out in your webshop or through a payment link, without the card being physically present. LunaPay arranges that online acceptance for high-risk businesses too, from hosted checkout to payment links and ready-made plugins, with every common payment method and multiple licensed acquirers behind the scenes. So your webshop keeps receiving payments, even when it gets busy or a provider backs out.
What card not present is
Card not present is any payment where the card is not physically presented: online at checkout, through a payment link, or as a recurring direct debit. Because the card is absent, strong authentication matters here. That is why payments run through 3-D Secure and SCA as standard, the extra verification required under the European PSD2 rules.
What you get
Hosted checkout
A secure, hosted payment page, without you having to handle card data.
Payment links
Send a link by email or chat and let your customer pay right away, handy without a webshop.
Plugins for your webshop
Ready-made integrations for the well-known platforms, such as WooCommerce and Magento, plus checkout and an API for custom work.
Every common payment method
iDEAL, Bancontact, WERO, cards and Apple Pay, plus local methods, so your customer pays the way they are used to.
SEPA direct debit and recurring payments
With smart retries, so a soft decline is not immediately a missed payment.
API
For full control and integration into your own platform.
Payment method and plugin names render as text chips until go-live, then as official brand assets, decoratively next to the name.
Your payments keep running
Online, a sudden decline or termination by a single party is the biggest risk. With us, every transaction runs across multiple acquirers, so your checkout keeps running.
For which businesses
Card not present is for anyone who sells online and runs into walls elsewhere: casino and iGaming, adult, and dropshipping and e-commerce. If you also sell at the counter, we combine it with card present under one overview.
Where are you now?
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. For online payments the emphasis is on 3-D Secure and SCA.
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
How do I connect my webshop to LunaPay?
With a ready-made plugin for platforms such as WooCommerce and Magento, or through our checkout and API for custom work.
Which payment methods can I offer?
iDEAL, Bancontact, WERO, cards, Apple Pay and local methods. More than a hundred methods in total and every common currency.
Can I offer iDEAL as a high-risk business?
In many cases yes, depending on your sector and situation. We discuss which methods fit.
Can I set up recurring payments?
Yes, with SEPA direct debit and smart retries for card subscriptions.
Do I handle card data myself?
No, with hosted checkout that runs through a secure, hosted page.
Does it work with an API?
Yes, for full control and integration into your own platform.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for online payments.