Top 8 Payment Gateways In Central & Eastern Europe (2027)

Selling online across Central and Eastern Europe means selling into a dozen payment cultures at once. Polish shoppers reach for BLIK, Baltic shoppers expect a bank link from their own bank, Hungarians still pay with SZÉP cards, and Romanian and Bulgarian buyers increasingly expect Apple Pay, Google Pay and a fast card checkout. A gateway that works well in Germany can leave a CEE checkout half empty.

We reviewed the payment gateways that actually serve this region, focusing on local payment method coverage, licensing, pricing transparency, payout currencies and how easily each one plugs into common e-commerce platforms. Here are the eight worth shortlisting for 2027.

CEE Payment Gateways At A Glance

Gateway	Home Market	CEE Coverage	Standout Feature	Best For
Paypercut	Europe	Selling across 29+ European countries	Checkout, payment links and QR codes in one account	SMBs selling across several CEE markets
PayU	Poland	Poland, Czechia, Hungary, Romania	Deep local methods including BLIK and pay-by-link	Larger merchants focused on Poland
Comgate	Czechia	Czechia, Slovakia, Poland	Visa and Mastercard principal member with tiered plans	Czech and Slovak e-shops
Montonio	Estonia	Estonia, Latvia, Lithuania, Poland, Finland	Payments and parcel shipping in one dashboard	Baltic retailers
Barion	Hungary	Hungary, Slovakia, Czechia, Slovenia	Smart Gateway with built-in wallet	Hungarian merchants
NETOPIA Payments	Romania	Romania	Over 30% of Romanian online card transactions	Romania-first merchants
Paysera	Lithuania	Baltics and wider EU	Broad bank link coverage plus free plugins	Baltic e-shops wanting bank payments
myPOS	Bulgaria	EEA, UK and Switzerland	Instant settlement across online and in-store	Omnichannel small businesses

Best Payment Gateways In Central & Eastern Europe

1. Paypercut — One Checkout And Payment Links For Selling Across CEE

Paypercut is a European payment platform built for online stores in Central and Eastern Europe. One integration covers online checkout, payment links and QR codes, with cards, Apple Pay and Google Pay in local currencies, so a shop in Sofia, Bucharest, Budapest, Warsaw or Athens can sell across Europe without a new contract in every market.

Merchants choose hosted, embedded or express online checkout. The embedded option keeps buyers on the store’s own page, with no redirect to a bank page. Ready plugins cover Shopify, WooCommerce, PrestaShop, Magento and OpenCart, and recurring payments run through the same integration.

Pricing is pay-as-you-go, from 1.29% + €0.05 per transaction depending on the market, with no setup fee, monthly fee, FX fee or long-term contract. Apple Pay and Google Pay cost the same as cards. Each currency (EUR, RON, HUF, PLN, CZK and more) is settled in that same currency and paid out to the bank account the merchant already uses.

Onboarding is fully online, and most merchants are live within 48 hours, with human support in Bulgarian, Greek, Hungarian, Polish, Romanian and English. Payments run in a secure, PCI DSS-certified environment, with regulated payment services provided by licensed partners in the EU.

2. PayU — The Default Choice For Polish Checkouts

PayU is one of the most established names in CEE e-commerce, with local operations in Poland, Czechia, Hungary and Romania. Its strength is depth in each market: in Poland it covers BLIK, pay-by-link bank transfers, cards and digital wallets, while in Hungary it supports SZÉP recreational cards alongside cards and quick transfers.

The platform suits mid-sized and enterprise merchants who want one well-known processor with local acquiring, credit payment options and the operational maturity to handle high volumes. Smaller merchants should compare onboarding requirements and contract terms, which tend to be more involved than newer self-serve platforms.

3. Comgate — Czech-Licensed, Card-Scheme Principal, Plugin-Ready

Comgate is based in Hradec Králové and holds a European payment institution licence from the Czech National Bank. It is a principal member of both Visa and Mastercard and holds PCI DSS Level 1 certification, which gives it more control over card acceptance than resellers further down the chain.

Its checkout covers cards, Apple Pay, Google Pay, PayPal, bank payment buttons for Czechia, Slovakia and Poland, BLIK, QR payments and instalment options, with settlement in nine currencies. Pricing runs on tiered plans (Start, Easy, Profi and custom) so merchants can move up as volume grows, and plugins connect it to more than 100 platforms including Shoptet, Upgates, WooCommerce, Shopify and PrestaShop.

4. Montonio — Payments And Parcel Shipping For The Baltics

Montonio combines a checkout and a shipping platform for merchants in Estonia, Latvia, Lithuania and Poland, with Finland recently added. It connects to every major bank in those markets for bank-link payments, alongside cards, Apple Pay, Google Pay, pay-later and financing options, and payment links for invoices.

The shipping side is what sets it apart: merchants print labels, book pickups and send branded tracking pages through carriers such as Omniva, DPD, Venipak, InPost and Orlen Paczka from the same dashboard. Montonio Finance UAB is licensed as a payment institution by the Bank of Lithuania.

5. Barion — Hungary’s Wallet-Backed Smart Gateway

Barion is a Budapest-based e-money institution authorised by the Central Bank of Hungary, founded in 2015. Its Smart Gateway supports both redirect and inline checkout, accepting Visa, Mastercard, Apple Pay, Google Pay and payments from the Barion Wallet, which also handles instant peer-to-peer transfers.

Barion settles in HUF, EUR, USD and CZK and lists Hungary, Slovakia, Czechia, Slovenia, Austria and Germany among its markets. Developers get a REST API, sandbox and webhooks, and the pricing model is a simple flat percentage per transaction.

6. NETOPIA Payments — Romania’s Largest Online Card Processor

NETOPIA Payments has been part of Romanian e-commerce since 2003 and processes more than 30% of online card transactions in the country each year for over 25,000 merchants. In July 2026 it received a payment institution licence from the National Bank of Romania, adding safeguarding of merchant funds and direct central bank reporting.

Owned by Innova Capital since 2023 and now led by CEO Raluca Micu, a former central bank official, NETOPIA is the natural pick for merchants whose revenue is mostly Romanian and who want a processor with long local track record and broad platform integrations.

7. Paysera — Bank Links Across The Baltics With Free Plugins

Paysera has operated as an electronic money institution supervised by the Bank of Lithuania since 2012. Paysera Checkout gives shoppers bank-link and payment initiation options with banks such as SEB, Swedbank, Luminor, Citadele, Artea and Revolut, along with Visa, Mastercard, Apple Pay and Google Pay.

More than 13,000 e-shops use the gateway, helped by free plugins for around 20 platforms including WooCommerce, PrestaShop, Magento, Shopify and OpenCart. Recurring payments and donations are supported out of the box.

8. myPOS — Instant Settlement Online And In Store

myPOS was founded in 2012 with Bulgarian roots and now serves more than 200,000 merchants across the EEA, the UK and Switzerland. Alongside its card terminals, it offers an online checkout, payment links and a virtual terminal, all settling instantly into a myPOS business account.

It is best suited to small businesses that sell both in person and online and want one provider, one account and real-time access to their money, rather than merchants who need a broad set of local CEE payment methods.

How To Choose A Payment Gateway In Central & Eastern Europe

Which Local Payment Methods Do Your Customers Expect?

Card coverage alone is not enough in CEE. Poland runs on BLIK and pay-by-link, the Baltics on bank links, Czechia and Slovakia on bank buttons and QR payments, and Hungary still sees SZÉP card use. Map your top three markets first, then check that each shortlisted gateway supports the methods those shoppers use most.

Do You Also Need Payment Links And QR Codes?

Not every sale happens in a checkout. Payment links and QR codes let you get paid by email, chat, invoice or in person, with no website needed. Choosing a provider that offers them from the same account as your online checkout keeps pricing, reporting and payouts in one place.

How Is The Provider Licensed?

Check whether the gateway holds its own licence or works through regulated partners, which central bank supervises it, and whether that authorisation is passported to the countries you sell into. Either model can be sound; what matters is that the regulated entity is named clearly.

How Does Pricing Really Work?

Look past headline rates. Compare consumer versus business card pricing, fees on non-EEA cards, local method fees, BNPL charges, and any setup, monthly or minimum fees. Promotional rates that expire after a few months should be modelled at their standard level.

Where Do Payouts Land, And In Which Currency?

If you sell in PLN, HUF, CZK or RON but report in EUR, currency conversion can quietly eat margin. Ask whether payouts go to your existing bank account, how quickly they settle, and which currencies are supported without forced conversion.

Does It Plug Into Your Store?

Ready-made plugins for Shopify, WooCommerce, PrestaShop, Magento or regional platforms like Shoptet can save weeks of development. Confirm the plugin is maintained and supports the payment methods you need, not just cards.

Conclusion

The right CEE payment gateway depends on where your customers are. Single-market merchants can do well with a strong local specialist such as NETOPIA in Romania, Barion in Hungary, Comgate in Czechia or Montonio and Paysera in the Baltics, while PayU remains a heavyweight for Poland. Merchants selling across several CEE countries who want cards, Apple Pay, Google Pay and payment links through one integration, with transparent pay-as-you-go pricing and local-currency payouts, should start with Paypercut.