Three taps.
SEPA Instant. Done.
Customers pay with their banking app — the same app they already trust. Money lands in your account in under 10 seconds. No cards, no terminals, no chargebacks.
Choose Zahlo at checkout
Online: customer picks Zahlo on your checkout page. In store: they scan your EPC QR code. Either way, their banking app opens with the amount and your business name pre-filled.
Authorise in their banking app
The customer confirms with Face ID, fingerprint, or PIN — whatever their bank already uses. No new passwords, no new app to download, no card details typed.
Money lands. Instantly.
SEPA Instant settles in under 10 seconds, 24/7. You see the green check. The order ships. Cashback is automatically applied to the customer's account.
Works wherever your customers are
Same payment rail, same 1% fee, same instant settlement — whether you sell online, in store, or both.
In your shop
A QR code at the counter
- Print or display an EPC QR code with the amount
- Customer scans with their phone — no app needed
- No card terminal, no rental, no contracts
- Confirmation chime on your phone in seconds
On your website
A button at checkout
- Drop-in plugins for Shopify, WooCommerce, Shopware
- Custom checkout? One REST API call
- Payment links for invoices, WhatsApp, email
- Same 1% + €0.25 — online and in store
Behind the scenes
The boring infrastructure choices that make 1% fees possible.
Open banking auth
Customers authenticate with the bank they already use. We never see their credentials.
SEPA Instant rail
Account-to-account transfers settle in under 10 seconds, every day of the year.
No card networks
No acquirer fees, no interchange, no scheme fees. The money goes directly from bank to bank.
Nothing stored
No card numbers on your servers. No PCI scope to worry about. No breach risk.
Ready to switch on Zahlo?
Two minutes to sign up. We review your details and email a private onboarding link.