Most of the money in a European shop, bar or machine travels a long way before it comes back. We think it can travel a shorter one: from your customer's bank account into yours, in seconds, for a few cents rather than a percentage of everything you sell.
That's why we build direct bank payments first, and why we build everything ourselves. When the hardware, the software and the rails come from one team, the cost stays understandable and the improvements keep landing.
It's also why we're comfortable pairing our terminal with a certified partner card terminal on vending machines. Our job is to give an operator a real choice of rails — not to decide for them at the machine.
We own our stack end to end, so our roadmap answers to the operators using it rather than to a chain of suppliers.
SEPA Instant and open banking are European infrastructure, already regulated and already in every bank. We build on them by default.
Hardware, firmware, dashboard and support come from the same building. One team to call, one team accountable.
Cents per payment, no subscription and no contract. We only win when the operators using us pay less.
Citizen Pay BV is a Belgian company. We started by putting terminals on real counters — cafés, shops, market stalls — and learning what breaks when a queue forms.
The spaces and operators we work with now asked for more than one way to pay: a fridge that takes QR, a bar that takes everything, a machine that runs on member credit. So the terminal became hybrid, and the product grew into hardware, software and service as one offer.
Citizen Pay
