How does Satispay work for online payments?
Satispay is a stored-value wallet. Shoppers sign up with their phone number, link an IBAN and choose a weekly budget; no credit card is needed. Payments are made from the money held in the app, which is e-money issued by Satispay Europe S.A., registered with the Commission de Surveillance du Secteur Financier in Luxembourg. Satispay says each payment is authorised with a PIN or biometrics.
Online, the usual flow is a redirect. The merchant creates a payment and sends the shopper to a Satispay page, where they scan a dynamic QR code with the app or type their phone number and confirm the payment in the app. On a mobile browser the Satispay app picks up the payment automatically and returns the shopper to the shop once it is confirmed. Stripe says the result is confirmed immediately. Satispay’s developer documentation says shoppers complete e-commerce purchases without passwords, codes or 3-D Secure PINs.
The API offers more than one-off payments. Automatic Payments let a shopper authorise a merchant once and be charged later for recurring payments. Funds Lock reserves money for late capture. By default a one-off payment request is valid for two hours, a funds lock for ten days and an automatic funds lock for five days. Satispay supports only the euro. Stripe supports recurring Satispay payments, manual and partial capture, and saving Satispay for future charges under a mandate the shopper can revoke at any time.
Where and how do shoppers use Satispay?
Satispay is mainly an Italian method. It has been on the market since 2015 and, in June 2026, reported 6.5 million users and more than 450,000 merchants, both physical shops and online. Its French website gives the same figure as active users in Italy. Satispay also runs French and Luxembourg editions of its website, while Stripe lists only Italian customers as able to pay with Satispay through Stripe, so availability outside Italy depends on the provider.
Beyond payments, the app includes a cashback points programme, Paga in 3 for splitting everyday purchases into three interest-free instalments, workplace meal vouchers and benefits, top-ups and bill payments. Satispay also lets shoppers complete a payment with deferred debit when their balance is too low, a feature it launched by early 2025.
Italian rules now favour wallets. Satispay reported that the conversion into law of decree 63/2026 on 24 June 2026 strengthened Italian merchants’ obligation to accept electronic money, including through digital wallets and payment apps.
What rules and costs should merchants know?
Refunds go back to the wallet. Stripe allows full and partial refunds within 180 days and says they complete within about five minutes and always return to the shopper’s Satispay balance, never as a reversal. Satispay’s own API allows refunds of e-money payments for 365 days, in several partial refunds up to the full amount. Payments made with meal vouchers can only be refunded in full and in the same month.
Disputes exist but follow Satispay’s process. On Stripe, shoppers have up to 120 calendar days from purchase to open a dispute. The merchant then has 15 calendar days to submit evidence such as tracking details or proof of delivery, and Satispay decides within 25 days of the dispute being opened.
Stripe offers Satispay for consumer sales only, with a minimum of 0.50 EUR, and excludes a long list of categories, including package travel, software, direct marketing, adult content, dating services, cryptocurrency exchanges, money transfers and several financial services.
Satispay’s own pricing for the merchants it serves directly has changed twice. From 7 April 2025 it charged a single 1% fee on all payments in physical shops. In June 2026 it announced that from September it would charge nothing on transactions under 10 euros and 0.95% from 10 euros. Merchants that take Satispay through a provider pay that provider’s price.
How would Omno handle Satispay?
- One checkout: Satispay would appear in the Omno hosted checkout next to cards, wallets, other local methods and crypto. Merchants with their own payment screens would use Direct Links on their own buttons.
- Routing rules: The merchant would set rules by country, currency or amount that send Satispay payments to a connected provider that supports the method. Omno connects through those providers; it is not an acquirer and does not hold funds.
- Cascading: In the hosted checkout, if the chosen provider is unavailable or rejects the request before the shopper reaches the Satispay page, the payment would move to the next provider in the rule until one accepts.
- Status: The final result would reach the merchant by webhook.
What should merchants plan for?
Target Italian shoppers first. Satispay’s users are concentrated in Italy, and Stripe accepts Satispay only from Italian customers.
Check the category. Many sectors are excluded on Stripe, so confirm eligibility before building the checkout around it.
Use the right flow for subscriptions. Automatic Payments, or a saved Satispay mandate on Stripe, cover recurring charges; a one-off payment does not.
Explain refunds. Refunds land in the shopper’s Satispay balance, not their bank account, which is worth stating in the returns policy.
Keep evidence for disputes. Shoppers have 120 days to dispute and merchants only 15 days to answer.