Payments that don't lose orders at checkout.
We integrate Netopia, EuPlatesc, PayU, Stripe, and direct APIs with ING, BT, or Raiffeisen. Card tokenization, 3-D Secure, subscriptions, refunds, and automatic ANAF e-Invoice billing. From RON 2,500.
Why how you integrate payments matters
Checkout is the final gate between purchase intent and real revenue. Every extra second, every needless redirect, every unexplained 3-D Secure error pulls money directly out of your pocket. Payment integration isn't just 'add the Stripe button'; it's the UX that decides whether your conversion rate is 1.2% or 3.5%.
We work with all major processors for the RO market: Netopia, EuPlatesc, PayU for local market (1.5-2.5% processing fees), Stripe for international + RO via Stripe RO (premium UX, 1.4% + 1 EUR for EU cards). For high-volume B2B clients, we integrate bank APIs directly (ING Open Banking, BT Pay, Raiffeisen Smart Mobile) — cut the middleman and reduce fees.
Regardless of processor, we deliver the same baseline: card tokenization for recurring charges (subscriptions, saved cards), 3-D Secure 2 with graceful fallback, partial and full refunds from admin panel, secured webhooks, retry logic for transient failures, transaction monitoring dashboard.
What you get
A payments system ready to process the first transaction on launch day.
- Integration of chosen gateway (Netopia, EuPlatesc, PayU, Stripe, or combination)
- Optional: direct bank API (ING, BT, Raiffeisen) for high volume
- Optimized checkout: single page, under 30 seconds, mobile-first
- Card tokenization for subscriptions or recurring payments
- 3-D Secure 2 with graceful fallback for non-3DS cards
- Partial and full refunds from admin panel, with configurable policy
- Secured webhooks (signature verification, idempotency)
- Automatic retry logic for transient failures (timeout, network)
- Automatic invoicing with ANAF e-Invoice via SmartBill, Oblio, or direct API
- Transactions dashboard: filtering, CSV export, monthly reporting
- Full logging + alerting for failed transactions (Sentry, Discord, email)
- Technical documentation + operation guide for staff
Good fit if...
- You have an online shop or platform processing payments and want premium checkout UX
- You are migrating from an old processor (MobilPay, Romcard) to a modern one (Stripe, Netopia)
- You sell subscriptions or recurring services and need card tokenization
- Your volume justifies direct bank API (over EUR 50,000/month processed)
- You have a checkout with problems: failing 3-D Secure, manual refunds, no reporting
Not a fit if...
- You sell under 10 orders/month — any pre-built gateway (Stripe Checkout, PayU Plug & Play) solves it cheaper
- You want 'one-click' integration without understanding the flow — your checkout is a critical system, not a checkbox
- Budget under RON 2,500 — serious integrations with webhooks and e-Invoice don't happen in 4 hours
How it unfolds
Four stages, focus on real testing before production.
- 01
Discovery (3-5 days)
We pick the right processor based on your volume, market, and flow. We map checkout, refund, subscription, dispute flows.
- 02
Account setup (1 wk)
We configure processor accounts, KYC, contracts. We set up sandbox for testing.
- 03
Integration + testing (1-2 wk)
Backend + frontend code, webhooks, e-Invoice. Extensive testing with real test cards, failure scenarios, refunds.
- 04
Go-live + monitoring (3-5 days)
Switch to production with first small real transaction. Active monitoring during first 7 days, adjustments based on real values.
Technologies
- Netopia, EuPlatesc, PayU for RO market at competitive rates
- Stripe (Payment Intents API + Subscriptions) for premium UX
- Direct API ING Open Banking, BT Pay, Raiffeisen Smart Mobile
- SmartBill, Oblio, or ANAF SPV direct for e-Invoice
- Webhook signature verification + idempotency keys
- Sentry for error tracking + alerting
Indicative pricing
Varies with number of processors integrated and flow complexity.
From RON 2,500 for a single gateway (Stripe or Netopia) with refunds and e-Invoice. RON 4,000-6,000 for 2-3 gateways with subscriptions and secured webhooks. RON 6,000+ for direct bank API with automatic reconciliation.
Frequently asked questions
Which processor fits me best?
Stripe for international clients or premium UX (higher fee). Netopia for RO market at medium volume. EuPlatesc for similar profile at slightly lower cost. PayU for flexibility. We recommend based on estimated volume and target market.
What are processor fees?
Netopia: 1.5-2% + 0.5 RON/transaction. EuPlatesc: similar. Stripe RO: 1.4% + 1 EUR EU / 2.9% + 1 EUR non-EU. PayU: 1.6-2.2%. Direct bank API drops to 0.5-1% but has bigger setup. We integrate — you pay fees directly to processor.
How does it work with ANAF e-Invoice?
We integrate SmartBill or Oblio (~30-50 EUR/month, handles everything) or direct ANAF SPV API if you want zero middleman. Invoice generates and submits automatically on each successful paid order.
Do you handle recurring subscriptions?
Yes. Card tokenization on first payment, automatic monthly/annual recharge, retry logic on failure, email notifications before card expiry, one-click cancellation from customer account.
What happens if there is a dispute (chargeback)?
We integrate webhooks for immediate notification. For Stripe, we offer dashboard with evidence collection. For RO gateways, we map the response flow. Tip: document everything — won chargebacks depend on evidence quality.
Do you also integrate with BNR (card blacklist)?
Not directly, but we set AVS and CVV checks plus fraud rules at processor. For high fraud risk, we also integrate Stripe Radar or third-party (Riskified, Sift).
Want a checkout that actually converts?
Tell us what you sell, estimated volume, and what processor you use now. We come back with a clear recommendation and estimate.