Choosing a gateway isn't just about price
Total Transparency
The IC++ model shows exactly what you pay: bank interchange + fixed markup. No hidden costs, every cent is trackable.
Native Compliance
E-invoicing directly to SDI/AdE, fast onboarding via Business Register, and automatic reconciliation with your ERP. Zero extra paperwork.
A Partner, Not a Middleman
An in-house dev team that integrates payments into your IT ecosystem. REST API, SDKs, custom plugins, without third parties.
RoxPay vs the Market: The Numbers Speak
A functional comparison between RoxPay and the most popular solutions.
| Features |  | Typical Competitor |
|---|---|---|
| Fees | IC++ (0.45% – 0.75%) | Flat (1.5% – 2.9%) |
| E-Invoicing | Native (SDI/AdE) | External or missing |
| Onboarding | Instant (Business Register) | 3–5 working days |
| White-label Wallet | Included | Not available |
| Integrated BNPL | Native (CRIF scoring) | Only via third parties |
| Unified POS + E-commerce | Single omnichannel dashboard | Separate systems |
| Support | Dedicated Local Support | English tickets |
What Makes RoxPay Different
IC++ Model: Real Savings, Not Promises
While competitors apply flat rates that mask margins, RoxPay separates bank interchange from the markup. For an e-commerce with €100k/month, the average saving is €8,000+ per year.
Discover our pricing →E-Invoicing Without Plugins
Every transaction automatically generates an e-invoice and sends it to the SDI. Zero external software, zero delays. No international competitor offers this native feature.
Online Payments →Bank-Level Security, Without Bank Costs
PCI DSS Level 1, Network Tokenization, PCI Proxy, and AI-driven anti-fraud. The same security as major European banks, without the fixed costs and bureaucracy.
Security & Anti-fraud →Omnichannel: POS + Online in a Single Flow
Physical and digital payments converge in the same dashboard. Automatic reconciliation with ERP, CRM, and management software. No competitor offers this depth of integration.
Smart POS →Frequently Asked Questions
Answers to the most common questions about gateway comparisons.
Why is RoxPay more affordable than Stripe or SumUp?
RoxPay uses the IC++ model which separates the bank interchange from the markup. This guarantees real transparent fees starting from 0.45%, compared to flat rates that can exceed 2.9% from international competitors.
Does RoxPay handle e-invoicing?
Yes, natively. Every transaction automatically generates an e-invoice and sends it to the Revenue Agency. No external software, no additional costs.
Can I migrate from another gateway without interruptions?
Yes. The RoxPay technical team manages end-to-end migration: payment flow mapping, API integration, and assisted go-live. The transition is transparent for your customers.
Does RoxPay support in-store and online payments together?
Yes. RoxPay unifies physical POS, e-commerce, apps, and cash registers in a single omnichannel dashboard. Every transaction is automatically reconciled with your software, without manual checks.
Ready to Compare the Results?
Request a personalized demo and discover how much you can save with RoxPay's IC++ model.