Your customer saves. You earn more.

Customers pay right inside their banking app, with Face ID instead of a card number. You keep around 1 % more on every order, and your customer saves 1 %.

Add to my store Calculate my extra profit
From click to money received0,0 s
Checkoutyour-shop.com

Espresso machineStainless steel · 1 item

vonta Pay−1 %
PayPal
Credit card
Subtotal200,00 €
vonta Pay instant discount−2,00 €
Total198,00 €

1Choose vonta Pay. With a 1 % instant discount, next to PayPal and card.

2Approve in the banking app. Face ID is enough.

Business accountyour-shop.com
14.250,60 €

Vonta PayOrder #10482 · just now

+198,00 €

Card paymentsBatch payout · Mon

+1.240,18 €

SupplierDirect debit · Fri

−860,00 €

3The money is in. Instant transfer, account to account.

On a €200 order

Your customer saves€2.00

You earn€2.08 more

The shortest distance between two accounts.

What's left over on every order.

We split what PayPal takes today differently. Your customer gets 1 % off, you keep more, and our fee stays below PayPal's.

20 €1.000 €
103.000

Based on PayPal's standard rate in Germany, 2.99 % + €0.39 per transaction. The Vonta fee includes bank costs. An example calculation, not a promise.

Your extra profit per order versus PayPal
+2,08 €
Today with PayPal6,37 €
3,2 %
The same amount with Vonta Pay6,37 €
1 %
1 %
1,1 %
Discount for your customer Your extra profit Vonta fee

Extra profit per year for your-shop.com

7.488 €

Vonta Pay next to PayPal and card.

Around 70 % of online shopping carts are abandoned, many of them at checkout. The less your customer has to type there, the better.

At an order value of €200 Vonta Pay PayPal Credit card
Fee you pay 2,29 €bank costs included 6,37 €2.99 % + €0.39 Depends on contract (1.5–3 %)Typical rate, plus a fixed fee per order
Discount for your customer 2,00 €1 % right at checkout None None
Your customer types in NothingFace ID in their own banking app PayPal loginEmail and password if not signed in Card detailsNumber, expiry date, security code
Card chargebacks NonePayment is approved in the bank Buyer protection claims Possibleplus a chargeback fee
Money in your bank account In secondsSEPA Instant transfer After a payoutlands in PayPal first After settlementby the payment processor

PayPal: standard rate for payments in Germany. Card: typical online rates for European consumer cards. Abandonment rate: Baymard Institute, Cart Abandonment Rate Statistics. Vonta Pay replaces nothing, it sits alongside.

The bank approves every payment.

Vonta Pay runs on open banking under European law. Your customer shares nothing beyond what they already do in their bank.

Approved in the customer's own banking appStrong customer authentication under PSD2, via Face ID or fingerprint.

No card details, no login detailsNeither you nor we ever see a PIN, password or card number.

Processed by TrueLayerA licensed open banking provider for payments across Europe.

Don't take our word for it.

Everything we promise rests on public facts. Check each one yourself, at the source.

  • Regulated paymentsTrueLayer (Ireland) Limited initiates every payment. It is authorised by the Central Bank of Ireland, reference C433487.Open the register
  • Money in secondsEU law has required eurozone banks to offer instant transfers since 9 October 2025.Read the regulation
  • Approved by the bankEU payment rules require strong customer authentication. Your customer approves inside their own banking app.Read the directive
  • Proven infrastructureStripe partnered with TrueLayer to bring Pay by Bank to Germany and France.Read the announcement
  • The savingPayPal publishes its own rate: 2.99 % + €0.39 for domestic payments in Germany.See PayPal's fees

More on licences, data and security in our Trust Centre.

Why Vonta Pay exists.

Online shops hand a noticeable part of their margin to payment fees every month. On thin margins, that is often the difference between a good month and an average one.

Banking apps are now fast enough to keep up at checkout. So we are building the payment method where both the shop and the customer keep more.

During the pilot I set up every partner shop personally. Write to me directly.

Sebastian AntalFounder

Common questions

What does Vonta Pay cost?
No setup, no monthly fee, no lock-in. We only earn a share of orders paid with Vonta Pay, and it stays below what you pay PayPal today.
Do I have to switch off PayPal or cards?
No. Vonta Pay is added as an extra payment option. Your customers choose, and the instant discount makes the choice easy.
Which banks are supported?
Vonta Pay works with banks in Germany and Austria that support open banking payments. We check coverage for your customers together with you before you go live.
How much work is the integration?
During the pilot we set up Vonta Pay together with you. No coding needed on your side.
What about refunds?
You refund as usual, and the money goes straight back to your customer's account.
Who regulates the payments?
Payments are initiated by TrueLayer (Ireland) Limited, a payment institution authorised by the Central Bank of Ireland. Vonta Pay is not a bank. See our Trust Centre.
What does Vonta Pay see?
What a checkout needs: the amount, the order reference and the payment status. Never a PIN, a banking password or a card number.
What if a customer's bank isn't supported?
They pay with PayPal or card, exactly as they do today. Vonta Pay only adds an option. It never replaces one.
Why start with a young company?
Because the regulated part isn't young. Payments run on TrueLayer and EU banking rules. What's new is the checkout and the 1 % model. Pilot shops work directly with the founder, shape the product, and can remove Vonta Pay at any time.

Your numbers, in one email.

Enter your work email. You'll get your personal calculation and our one-page, non-binding partner letter for the pilot.

€0 setup €0 monthly fee Cancel anytime