Card payments at the counter
Card present means taking payments in your shop: your customer pays at the counter with a physical card or phone on a payment terminal. LunaPay provides that card acceptance for high-risk businesses too, with terminals linked to your point of sale and multiple licensed acquirers behind the scenes. If one backs out, we move you to another. Contactless or with chip and pin.
What card present is
Card present is a payment where the card is physically there, at the counter, through a terminal. That is the opposite of card not present, where payment happens online without a physical card. For a shop, coffeeshop or club, card present is the core: you want every customer to be able to pay at the till, quickly and without hiccups.
What you get
Payment terminals
Countertop terminals for the till and mobile terminals for at the table or on the move, matched to your business.
POS integration
Through LunaPay Bridge we link your terminal to your point of sale, so amounts come through automatically and your staff never type anything twice.
Contactless and chip
Tap, chip and pin, and phone payments, all as standard.
Multiple licensed acquirers
For each sector we decide together whether a second acquirer stands ready as a backup from the start. If one stops serving your sector, we move you to another.
Settlement to your account
Your revenue is settled to your business account, depending on your package. We discuss upfront what fits your business.
Your own contact person
Someone who knows your business, not a rotating call center.
Your payments keep running
For a physical shop, depending on a single party is the biggest risk: if that party drops you or goes down, you cannot take card payments. That is why we work with multiple licensed acquirers. For each sector we decide together whether a second one stands ready as a backup from the start, and if one stops serving your sector, we move you to another.
For which businesses
Card present is for anyone who sells at the counter and struggles to get card acceptance elsewhere: coffeeshops, smartshops and CBD stores, and cannabis social clubs. Combine your counter with a webshop and we add card not present without the hassle.
Where 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
Can I take card payments as a high-risk business?
Yes. We arrange card acceptance at the counter, even if you have been refused or dropped elsewhere, through licensed European acquirers that accept your sector.
Which payment terminals can I get?
Countertop terminals for the till and mobile terminals for at the table or on the move, matched to your business.
Can I link my till to the card terminal?
Yes, through LunaPay Bridge we connect terminal and point of sale, so amounts come through automatically.
Do you support contactless payments?
Yes, tap, chip and pin, and phone payments are standard.
When do I get settled?
Your revenue is settled to your business account, depending on your package. We discuss upfront what fits your business.
What if my current provider drops me?
We sign you up with a licensed acquirer that accepts your sector and take care of the registration. Whether a second acquirer joins as a backup from the start, we decide together.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for card payments at the counter.