SEPA-based · Direct to bank · Built in Europe

Lowerfees.Instantpayouts.Saferpayments.

The Citizen Terminal takes payment straight from your customer's bank into yours. A flat fee per transaction, money in your account in seconds, and no card details to worry about.

PSD2 compliant SEPA Instant 1,800+ European banks

The problem

Your card machine is costing you more than you think.

A percentage gone on every sale. Your money locked up for days. A monthly bill nobody can really explain.

A small merchant — one year

€2,700 lost to card fees.

That's a month of rent, or a salary. Every year. Gone — before profit, before tax, before anything else.

Card

~€0.36 / tx

Citizen Pay

~€0.10 / tx

1.5–2% gone on every sale

On €15k/month, that's around €2,700 a year — a full month of rent, or a staff salary, paid to card networks you'll never meet.

Your money, stuck for 2–3 days

Every card payment sits in a bank's pipeline before it reaches you. Meanwhile, your suppliers want paying now.

A bill nobody can explain

Interchange. Scheme fees. Acquirer margins. Your accountant can't decode your monthly statement — and neither can the people who sent it.

The more you sell, the more they take

Every party in the card chain earns a percentage. Nobody in that chain is working to make your bill smaller.

The system was built to extract value from merchants. Not to serve them.

How it works

Paid in seconds. Straight into your bank.

Four steps, seconds each. The money goes from your customer's bank straight to yours — no card company, no middleman, no multi-day wait.

Step 01

Enter the amount

You type the total on the terminal. Takes two seconds.

Step 02

Show the QR

A one-time QR code appears on screen. No printed receipt, no extra hardware.

Step 03

Your customer scans

They pay from their own banking app, with their face, fingerprint or PIN. No new app to download.

Step 04

Paid. Instantly.

The money is in your bank account before they've walked out the door. You see it on the terminal in real time.

Open bankingSEPA InstantNo card networkReal-time confirmationNo signup for customers

The hardware

Meet the Citizen Terminal.

One device, built for the counter. One job: let your customer pay you straight from their bank.

Amount LIVE

€24.50

Scan with your camera

Waiting for payment…

Settled to your account

€24.50 · 2s

Specs & features

One job. Done well.

Payments move directly between bank accounts. No card company taking a cut. No acquirer, no middleman, no hidden hops.

Your customer approves the payment inside their own banking app — with their face, fingerprint or PIN. No card numbers pass through your terminal. No skimming, no cloning, no fraud chargebacks coming back to you weeks later.

You see the payment land on the terminal before the customer has left the counter. No end-of-day batch, no pending state, no weekend freeze.

They point their phone camera at the QR and pay inside the banking app they already use. 1,800+ European banks are supported out of the box.

Standard mode for counter service. Self-checkout mode for rush. Same terminal, switch whenever you need.

Queue forming? Generate several QR codes at once and keep the line moving.

Fits in your palm, sits on your counter. Built for the pace of real service.

Merchant enters the amount. Customer scans. Payment lands instantly.

Why switch

Built for merchants. Not networks.

Every design decision sits on one side of the counter — yours.

Keep more of every sale

A flat fee replaces a percentage. The bigger the basket, the bigger you save — and your margin grows on every transaction.

Paid in seconds, not days

Money lands in your bank account as the customer pays. No 2–3 day wait, no weekend freeze, no holding period.

Safer than cards

Every payment is signed off by your customer in their own banking app. No card data on your terminal, no cloned chips, no chargeback fraud weeks later.

No lock-in

No contract. No setup fee. No subscription. Send the terminal back whenever you want.

Two modes, one device

Standard mode for counter service, self-checkout mode for rush. Same terminal, switch whenever.

A flat fee. That's it.

One fee per transaction, no matter the ticket size. We don't earn more when you earn more.

Why now

Your customers already know how to use this.

QR payments aren't a leap of faith anymore. Your customers scan QRs every day — and their bank already connects to Citizen Pay.

Your customers scan QRs every day

Menus, Wi-Fi passwords, parking meters. Scanning a QR to pay feels normal now — offered the option, customers take it without hesitation.

Merchants like you are switching

Cafés, restaurants and shops across Europe are cutting card fees by putting a QR on the counter. The ones who've tried it don't go back.

Their bank already supports it

Open banking laws require every major European bank to allow these payments. 1,800+ banks already work — including every major Belgian, French, Dutch and German bank.

Proof

Merchants like you are already saving.

In the cafés, restaurants and shops using Citizen Pay today, bank payments grow every month. Within four months, one in three customer payments goes through the terminal — cutting fees straight away.

Bank payment share per merchant

20% → 33% in 4 months. Across 4 merchants.

Bank Card

Month 1

Month 2

Month 3

Month 4

Increasing without incentives. Customers choose QR when given the option. Repeat usage keeps climbing. Merchants keep offering it.

“We only win when merchants pay less.”

— Citizen Pay, on how we're built

Trust

Built on the same rails your bank already trusts.

Regulated by EU banking law

Licensed under PSD2 open banking rules

Runs on SEPA Instant

The same real-time network your bank uses

1,800+ European banks

Including every major Belgian, French, Dutch and German bank

Built in Brussels

European payments, made in Europe

Questions

Straight answers.

Yes. Your customer approves each payment inside their own banking app, using their bank's security — Face ID, fingerprint or PIN. You never see or store card numbers. There's no chip to skim or clone. And fraudulent chargebacks weeks after the sale don't happen — the bank approved the payment in real time, and it's settled.

No. They scan the QR on the terminal with their phone camera and pay from their existing banking app. 1,800+ European banks are supported. No new account, no signup, no download.

Seconds. The payment lands in your bank account via SEPA Instant before the customer has walked out the door — you see the confirmation on the terminal in real time. No 2–3 day wait, no weekend freeze.

Many of our merchants keep theirs as a fallback — for tourists or the occasional customer who insists on card. Over time, most transactions shift to Citizen Pay. In the cafés and shops using us today, one in three payments already goes through the terminal within four months.

We cover the vast majority of European consumer banks. If a customer's bank isn't available, they pay with their card as normal.

No contract, no setup fee, no subscription. Return the terminal whenever you want.

Cafés, restaurants, bakeries, small retail, food trucks, campus cafeterias, market stalls — anywhere with fast counter service where fees on small baskets really hurt.

Is this for me?

Three boxes to tick. That's it.

If these three things are true for your business, a Citizen Terminal will work for you from day one.

Average sale above €10

Bank payments shine on mid-to-large baskets. If most of your transactions are under €10, a card terminal is still the better fit — come back when your tickets grow.

An EU business with a VAT or company number

Any EU-registered business works — a company, a sole trader, a non-profit, or a self-employed professional. A valid VAT number or company registration number is all we need.

Wi-Fi or a phone hotspot

The terminal needs an internet connection to generate QR codes and confirm payments. Any standard Wi-Fi works — and if you don't have one, your phone's hotspot works too.

Get your terminal

Tell us about your business.

We'll reach out within 24 hours with next steps. No pressure, no sales pitch — just a direct conversation.

What happens next

1We call you back within 24h.
2Quick fit check — your business, your volume.
3Terminal arrives, we help you set it up.
4You take your first bank payment.

Or email us directly

info@citizenpay.xyz

Stop paying card fees.

Put a Citizen Terminal on your counter. Start accepting bank payments in days.