Coffeeshop terminated? You can keep accepting card payments.
Many coffeeshops have been terminated by their payment provider, not for anything they did wrong, but because an entire sector was excluded at once. We are built for this sector. We arrange your card payments through licensed European partners, include the terminal, and keep your switch as short as possible so your till keeps running.
It was not about you
The termination feels like a verdict on your business. It almost never is. What happened is structural, and it hit an entire sector at once.
In early 2026 Worldline decided to stop serving coffeeshops as a category. Not based on your numbers, your chargebacks or how you operate, but on the sector you are in. Hundreds of owners received the same letter, regardless of how well their business was doing.
In March 2026 the court ruled that a categorical exclusion, refusing an entire sector without individual assessment, is not simply permitted. That confirms what you already sensed: it was not about you, it was about a decision covering the whole category.
That does not change your immediate problem. You have a business that runs, guests who want to pay by card, and you need this sorted now. That is what we are here for.
Why we do serve this sector
The difference is not in better negotiation, but in how we are set up. We are built for sectors most providers leave alone.
Licensed European partners that know the sector.
Your card payments run through acquirers that accept coffeeshops, instead of a party that excludes your category in advance. That is the whole difference between being accepted and being refused.
Spreading across multiple acquirers.
Your payments do not hang on one party that may decide differently tomorrow. LunaPay works with multiple licensed European acquirers, and we decide together whether a second one stands ready as a backup from the start. If one stops serving coffeeshops, we move you to another.
A terminal that suits your counter.
At the bar, at the till, contactless and chip. The terminal is included with your switch, so there is nothing separate to buy.
The right category code.
You get an MCC code that matches what you do. We never present your business as something it is not; that is exactly what keeps you out of trouble long-term.
How the switch works
Mostly you want to know how fast and how much hassle. Short, and as little as possible. Here is what it involves.
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Apply.
You let us know you want to switch and supply the usual details: your registration, your identification and what is needed for acceptance. You get a clear checklist up front, not an open question.
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Assessment and registration.
We register you with an acquirer that serves coffeeshops and handle the registration. This is exactly the step standard providers drop.
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Terminal and setup.
Your terminal is delivered and set up, matched to how your business works. You can accept cards again.
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What your guest sees.
On your guest's bank statement a recognisable description appears, without surprises.
We keep the lead time as short as possible, because every day without card payments costs you turnover. What is possible for your business and how fast depends on your situation, and we discuss that clearly up front.
What you can expect from us
You have just been terminated by a party that did not even give you a reason. That is not how we work.
- Clarity up front. You hear what is possible, what it costs and what you need to supply before anything is set in motion.
- One fixed contact who knows the sector. Someone who knows what a coffeeshop is and why you are asking what you are asking, not a rotating call center.
- Continuity as the starting point. Multiple licensed acquirers behind LunaPay. If one stops serving coffeeshops, we move you to another, so you are not left searching on your own again.
Want to know how soon you can accept cards again? Arrange your switch or calculate your rate indication first.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for coffeeshops.