We offer a complete service that includes a virtual POS, a payment gateway, and a wide range of payment tools designed to adapt to different situations and business needs.
Discover the potential PaynoPain can bring to your business.
Secure and easy-to-integrate online POS
More than just a virtual POS
True omnichannel experience
A single payment tool for every aspect of your business.
Operations & merchants
The PaynoPain control panel lets you manage all your business transactions efficiently.
Security
Operate with full protection for both your business and your customers.
Payment methods
Integrate any payment method with PaynoPain — from cards to digital wallets and more.
Business Intelligence & Big Data
Access the most powerful reports and performance insights in seconds.
Tools
Explore all the features PaynoPain has to offer.
Plugins
Easy-to-install plugins for seamless payment gateway integration.
Operations
Manage all your business operations from the control panel.
Operations & merchants
Operations management
Your merchants in one place
Operations & merchants
With PaynoPain’s control panel, you can manage all your business operations, perform advanced searches, and process real-time payments from your customers. Administer all your merchants and sub-merchants from a single platform, and control employee access levels from anywhere and any device.
Operations management
- Manage all your business transactions on our online platform.
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Use advanced search tools to find and identify transactions with a wide range of parameters.
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Process real-time payments, as well as refunds or cancellations, directly from our back office.
Your merchants in one place
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Add groups of merchants and sub-merchants.
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Analyze data according to your needs: consolidated (including all sub-merchants) or individually.
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Create users with access to specific merchants — one or all.
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Assign different access levels and define user permissions as you prefer.
Business Intelligence & Big Data
Tools & features
Manage operations, payments, and access from a single platform
Through PaynoPain’s control panel, you can manage all your business operations, perform advanced searches, and process real-time payments from your customers.
Administer all your merchants and sub-merchants from one unified platform, and control your employees’ access levels from anywhere and on any device.
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100% Customization
Customize the user experience with your brand
We work to offer our clients the best possible user experience — that’s why we provide the option to fully customize the payment form.
Manage the user journey throughout the entire payment process without limits, ensuring the customer never feels like they’ve left your brand’s environment.
Emails and SMS messages sent from our platform are also 100% customizable.
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Card tokenization - Now you can:
Store your customers’ cards
Process one-click payments
Accept remote (card-not-present) payments
| Customers | UUID | External ID | External ID | Expiration |
|---|---|---|---|---|
| Customer name | 1238234702-384092’-323i | 4242536/324343 | Mrs W Chapman | 01/27 |
| Customer name | 1238234702-384092’-323i | 4242536/324343 | Mrs W Chapman | 01/27 |
| Customer name | 1238234702-384092’-323i | 4242536/324343 | Mrs W Chapman | 01/27 |
| Customer name | 1238234702-384092’-323i | 4242536/324343 | Mrs W Chapman | 01/27 |
| Customer name | 1238234702-384092’-323i | 4242536/324343 | Mrs W Chapman | 01/27 |
| Customer name | 1238234702-384092’-323i | 4242536/324343 | Mrs W Chapman | 01/27 |
Manage your subscription-based business from our platform
Subscriptions and recurring payments
1. One-time payment
Offer the option to charge for each individual purchase made by your customers.
2. Recurring payment (subscriptions)
Automatically collect payments with a fixed price on a recurring basis. You can define the frequency of each charge.
3. Usage-based billing
Set fees based on product or service usage, allowing you to fine-tune your pricing and optimize costs.
4. Promotions and trial periods
Customize billing to offer discounts or free trial periods to your customers.
5. Billing frequency
Choose to charge invoices daily, weekly, in advance, or after the due date. You can also set custom start dates for invoices.
Currency management
Offer DCC (Dynamic Currency Conversion) on both physical and virtual POS terminals. You can customize the DCC look & feel (interface and user experience) in the online version.
DCC (Dynamic Currency Conversion):
Physical POS: Accept payments in different currencies through PINPADs, card terminals, or mPOS devices.
Virtual POS: Simplify currency management in your online store.
Customization: We provide an advanced user experience for the DCC flow.
Security
We comply with PCI-DSS certification
Ensuring data security is essential.
That’s why we are one of the few Spanish companies to have maintained PCI DSS certification — one of the highest security standards in the industry — for more than 15 consecutive years.
We have a dedicated security team, use proprietary monitoring tools, advanced encryption algorithms, and strict protocols to guarantee the protection of all stored information.
In addition, we have our own fraud prevention system, which allows you to set dynamic rules that minimize the risk of fraud for any online business.
These rules are fully configurable and customizable to meet your business needs.
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All payment methods within your reach
Our payment gateway integrates the most popular payment methods
We offer a wide range of local and international payment options to match your customers’ preferences. From traditional cards to digital wallets and alternative solutions — all in one secure and efficient integration.
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Ecommerce plugins
PaynoPain integrates easily into any ecommerce platform through the most popular plugins on the market
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Our flexible and scalable technology allows for fast and simple integration with platforms like Shopify, Prestashop, WooCommerce, Magento, Odoo, and custom developments.
With a single API, you can offer multiple payment methods, enhance the user experience, and boost your conversion rates.
In addition, our platform includes advanced security and regulatory compliance features, ensuring safe and reliable transactions.
If you’re looking for a payment gateway that adapts to your needs and grows with your business, PaynoPain is the ideal choice for your online store.
Smart routing
Higher success rate: If a transaction fails, we redirect it to another acquirer to avoid unnecessary declines.
1. Cost reduction
We select the acquirer with the lowest fee for each transaction.
2. Higher success rate
We prevent unnecessary rejections by redirecting failed transactions to another acquirer.
3. Volume optimization
We distribute transaction flows strategically to negotiate better conditions.
4. Adaptation by country or card type (BIN)
We route transactions based on the customer’s location or the card issuer.
5. Flexibility and scalability
Your business grows without limits, without depending on a single processor.
Own license
Licensed through partners
Europe
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Ireland
Italy
Latvia
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
Europe
Gibraltar
United Kingdom
America
Colombia
Dominican Republic
Guatemala
Mexico
Peru
Our clients
Some of these clients already trust our platform
Frequently asked questions
What is a virtual POS and why do I need it?
A virtual POS (also known as a virtual terminal or merchant ID) is a system that allows you to accept card payments online without the physical presence of the card.
At PaynoPain, this service is integrated into our platform, so you only need an active account to start accepting online payments.
How is a virtual POS different from a payment gateway?
A virtual POS is the digital equivalent of a physical card terminal.
A payment gateway, on the other hand, is a broader platform that integrates the virtual POS with alternative payment methods, API management, anti-fraud rules, and other tools that improve transaction control.
Can you accept online payments without a virtual POS?
No. To accept online card payments, you need a virtual POS or a payment gateway that includes one.
At PaynoPain, our virtual POS is integrated, so you don’t need to acquire it separately.
In which countries is PaynoPain’s virtual POS available?
With our online payment gateway, you can accept card payments worldwide.
We also offer local acquiring services in Spain, Europe, the United Kingdom, Colombia, Ecuador, Peru, and the Dominican Republic, ensuring greater operational efficiency and a better user experience.
Which payment methods does PaynoPain’s platform support?
Our virtual payment gateway accepts a wide range of payment methods, including Visa, Mastercard, American Express, Union Pay, Paysafe, Sofort, Cofidis, Google Pay, and others.
This variety allows businesses to offer payment options tailored to each type of customer and market.
Which bank cards does PaynoPain’s virtual POS accept?
PaynoPain supports debit and credit cards, both national and international, from networks such as Visa, Mastercard, JCB, Diners Club International, Discover, and Union Pay.
Which alternative payment methods are available with PaynoPain?
Our platform includes several alternative payment methods to meet customer preferences:
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Bizum – exclusive to Spain, enables instant payments from mobile devices.
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Crypto to Fiat – via Bitnovo and Qori, allows crypto payments with euro settlement.
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Cofidis – provides financed payments quickly and easily.
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Bank-to-Bank – instant bank transfers.
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Payment initiation (PSD2) – enables direct transfers from your website or app without online banking access.
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Viacash – lets customers pay in cash through physical partner points.
These methods can be combined depending on the customer profile to improve conversion.
Is PaynoPain’s virtual POS secure? Is there a limit on payment attempts?
Our platform complies with the PSD2 regulation, integrating Strong Customer Authentication (SCA) to secure every transaction through at least two factors:
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Something the customer owns (mobile phone)
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Something they know (password or PIN)
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Something they are (fingerprint or facial recognition)
Card issuers may apply additional controls. If limits are exceeded, the card may be temporarily blocked for security reasons.
PaynoPain also lets merchants set custom anti-fraud rules, such as limiting payment attempts with the same card.
Is it possible to accept bank transfers as a payment method?
Yes. Thanks to our PSD2 API integrations, you can let customers make direct bank transfers without leaving the checkout or logging into their online banking.
Can I use the virtual POS to charge subscriptions?
Yes. PaynoPain supports recurring payments, making it ideal for subscription-based businesses such as gyms, academies, digital platforms, or professional services.
Our solution automates recurring billing securely and smoothly.
Can I accept payments through physical devices?
Yes. PaynoPain offers physical POS terminals that allow businesses to process payments quickly and securely, adapted to any point of sale or mobile service.
Can we send money directly to a customer’s card?
Yes. Our platform includes the Credit Fund Transfer service, allowing funds to be sent directly to credit or debit cards.
Transactions are processed in under 30 minutes.
Does PaynoPain support DCC payments? Which currencies are accepted?
Yes. PaynoPain integrates DCC (Dynamic Currency Conversion), which enables real-time currency conversion during the payment process.
Customers can pay in their local currency, while merchants receive the amount in euros, simplifying international transactions.
Can I customize my payment page?
Yes. PaynoPain allows merchants and developers to fully customize their checkout page.
You have complete HTML and CSS control to design and manage multiple templates, using them according to each transaction flow to maximize conversion.