zahlo.
Get started
Customer using Zahlo online checkout on a laptop

Payments for businesses

Lower payment costs.
Smarter checkout.

Zahlo combines transparent payment rates with AI Checkout that adapts the payment experience to each purchase.

Get started See the rates
Three contactless payment cards on a yellow background
01CardsOnline · In person
Apple Pay confirmation displayed on an iPhone
02Apple PayOnline · In person
Google Pay displayed on a mobile phone
03Google PayOnline · In person
Customer choosing a bank for an Open Banking payment
04Open BankingDirect bank payment
Zahlo SEPA Direct Debit checkout and IBAN form
05SEPA Direct DebitOnline
Customer holding a phone with a Klarna checkout
06KlarnaPay later
Bitcoin coins beside a leather wallet
07CryptoOnline
Two Zahlo recurring-payment screens on mobile phones
08RecurringOnline
Zahlo Payment Links dashboard on a laptop
09Payment LinksOnline

What businesses get from Zahlo.

01
Online payments

Online Checkout

View product

Let every customer pay their way—and let your business keep more of every sale.

Zahlo brings cards, wallets, Open Banking, Klarna, crypto, deposits, and repeat billing into one checkout, with transparent rates built to lower the cost of getting paid.

Customer using Zahlo online checkout on a mobile phone at home
02
Checkout intelligence

AI Checkout

View product

Let customers buy from your store through the AI assistants they already use.

Zahlo makes your store ready for agentic commerce, so AI assistants and MCP-connected services can discover products and move a purchase through checkout automatically, within rules you control.

Customer using conversational AI shopping on a laptop
03
Point of sale

In-Person Payments

View product

A card machine built to stay connected when the counter gets busy.

Zahlo combines resilient-connectivity payment terminals with an app that keeps the amount, payment status, and confirmation visible—giving merchants a fast, dependable way to take cards and wallets in person.

Customer tapping a phone on a Zahlo payment terminal in a café

Why Zahlo

Why businesses
choose Zahlo.

Better checkout.
Lower payment costs.

01Pay less to get paid.
02Make checkout more relevant.
03Give customers more ways to pay.
Merchant accepting a Zahlo payment with a card terminal and mobile wallet
01

Pay less to get paid.

Open Banking is €0.25 per payment, crypto is 1%, and EEA consumer cards are 1.00% + €0.05.

Online card pricing

Simple rates.
Nothing to decode.

Two clear consumer-card rates for the markets most Zahlo businesses ask about.

01European Economic Area

EEA consumer cards

1.00%+ €0.05
per successful online payment

Stripe1.5% + €0.25

You save with Zahlo€0.20 + 0.5% of the sale

Consumer Visa and Mastercard cards issued in the EEA.

02United Kingdom

UK consumer cards

2.40%+ €0.05
per successful online payment

Stripe2.5% + €0.25

You save with Zahlo€0.20 + 0.1% of the sale

Consumer Visa and Mastercard cards issued in the UK.

Zahlo

Give customers a smarter checkout. Pay less to get paid.

Choose the Zahlo products and payment methods that fit your business.

Get started Talk to Zahlo