Payment solution for coffeeshops: card payments at the counter
Yes, you can take card payments in your coffeeshop. LunaPay arranges card acceptance at the counter for coffeeshops, with payment terminals connected to your till and multiple licensed acquirers behind the scenes, so you are not dependent on a single party. If a bank or payment service refuses or terminates you, that is exactly what we are built for.
Why coffeeshops get refused
Coffeeshops operate under the Netherlands’ tolerance policy, and yet many banks and payment service providers refuse the sector outright. Regular banks often do not offer the card service directly, and providers terminate coffeeshops with some regularity. Just how real that risk is became clear when a major payment service provider cancelled the contracts of dozens of coffeeshops and the trade association successfully went to court to keep the service. The lesson is simple: if you depend on one party, you are stuck the moment they pull out. That is why we work with multiple licensed acquirers, and decide together whether a second one stands ready as a backup from the start.
Terminated by your payment provider? How to switchCard terminal, POS integration and settlement: what we arrange
A payment solution for your coffeeshop is more than a card machine on the counter. We arrange the whole chain, from the terminal to the money on your account, and set it up so your counter keeps running.
Payment terminals that just work
A countertop terminal at the counter, with mobile terminals added if your shop calls for them. Contactless, chip and PIN, and phone payments, all as standard, matched to how busy your shop gets.
POS integration in a couple of hours
Through LunaPay Bridge your till talks directly to the terminal: the amount appears automatically, the payment status comes straight back. No typing errors, no till discrepancies at closing. And where such an integration used to be a whole project, with Bridge it is live in a couple of hours.
Multiple licensed acquirers
LunaPay works with multiple licensed European acquirers. We decide together whether a second one stands ready as a backup from the start, and if an acquirer stops serving coffeeshops, we move you to another licensed partner. That way your counter does not hang on one party's decision.
Fast settlement, live insight
Your revenue is settled to your business account, depending on your package in some cases the next business day. And in the LunaPay Insights dashboard you follow live how your shop is doing: your revenue, your busy hours and how your customers pay.
Your own contact person who knows your shop
No rotating call centre, but one contact person who knows your shop and the sector. If something comes up, you call someone who knows who you are.
Curious what this means for your coffeeshop? Calculate your rate estimate or request your personal proposal.
Also for
Coffeeshops with a single location or multiple branches, and owners who want to take payments at the counter and online. Do you also sell smartshop or CBD items? Then take a look at our smartshop and CBD page too.
| A single provider | LunaPay with multi-acquiring | |
|---|---|---|
| Termination by one party | You can no longer take card payments | We move you to another licensed partner |
| Outage | The counter grinds to a halt | A second acquirer as backup, if we choose one |
| Dependency | Total | Spread |
Your payments keep running.
Most providers rely on a single acquirer, the party that processes your card transactions. If that one goes down or refuses your sector, your payments stop. LunaPay works with multiple licensed European acquirers. For each sector we decide together whether a second acquirer stands ready as a backup from the start, and if an acquirer stops serving your sector, we move you to another licensed partner. That is what we call multi-acquiring. For a coffeeshop, this means a termination by one party is not the end of the road: we move you to another licensed partner that accepts coffeeshops.
Read how multi-acquiring worksWhere are you now?
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Read how we handle safety and continuityLive in three steps.
Call us or get a call back
In a short phone call we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and multiple licensed acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions about card payments in your coffeeshop
Can I take card payments in my coffeeshop?
Yes. We arrange card acceptance at the counter for coffeeshops, with multiple licensed acquirers behind LunaPay, so your acceptance does not depend on a single party.
What if my payment provider terminates my coffeeshop?
Call us or get a call back. We sign you up with a licensed acquirer that accepts coffeeshops and take care of the registration. A termination elsewhere is not the end of the road.
Which payment solution fits a coffeeshop?
Card payments at the counter with a terminal linked to your till, multiple acquirers behind the scenes, fast settlement and one contact person who knows the sector.
Can I link my till to the card terminal?
Yes, through LunaPay Bridge we connect terminal and till, so the amount transfers automatically and your books add up. The integration is live in a couple of hours.
Can I also accept online payments?
Yes. If you run a webshop or ordering page alongside your shop, we add online payments without the hassle, with everything in one overview.
How fast do I get settled?
Depending on your package, in some cases the next business day. We discuss upfront what fits your shop.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for coffeeshops.