Europe · On request
Payment methods in Italy
Italy pays online with Visa and Mastercard, with prepaid and debit cards more common than in the north of Europe, and with bank transfers that SEPA Instant and Open Banking (EU, PIS) now make instant at the checkout. Banca d'Italia supervises payment institutions; Tranzify's clients work through authorised providers from the catalogue.
Market facts
- Currency
- EUR · Euro
- Region
- Europe
- Payments regulator
- Banca d'Italia
Payment methods
| Type | Payment methods | share of e-commerce payments |
|---|---|---|
| Cards | Visa | — |
| Cards | Mastercard | — |
| Open Banking | Open Banking (EU, PIS) | — |
| Bank transfers & instant payments | SEPA Instant | — |
| Wallets | Apple Pay | — |
| Wallets | Google Pay | — |
| Wallets | PayPal | — |
| Buy now, pay later | Klarna | — |
| Wallets | Satispay | — |
| Bank transfers & instant payments | MyBank | — |
The market
Italy came to e-commerce later than its neighbours and still has many payers who prefer not to type card data: prepaid and debit cards are widespread, and a transfer from the account feels natural. Visa and Mastercard carry most online spend, while SEPA Instant, live since 2017 and mandatory for euro-area banks since 2025, and Open Banking (EU, PIS) turn the bank transfer into a checkout method with instant confirmation and no chargeback. Card recurring payments stay the rail for subscriptions and travel. The Italian set of the catalogue is cards and pay-by-bank, and together they cover the checkout without a wallet.
How Tranzify clients launch
Italy is in the catalogue on request: a client asks for the Italian integrations and enables Adyen or Nuvei for cards and TrueLayer for Open Banking and SEPA Instant, under its own contracts and licence. Routing by amount, BIN and scheme sends a large ticket to pay-by-bank and a subscription to the acquirer; a declined bank payment cascades to cards on the same page, and two acquirers share card volume by BIN or scheme, with fallback from one to the other when a route degrades. Every payment is journaled for five years, and the final status reaches the client’s system by webhook.
SEPA Instant and pay-by-bank
SEPA Instant is the payout rail as well as a checkout method: a client pays out to Italian and other euro accounts through TrueLayer in seconds on any day of the year, with no cut-off times. Open Banking pay-by-bank is deposit-only, and the provider refunds by credit transfer to the paying account; prepaid cards are refunded to the card like any other.
Providers active in Italy
How to launch here via Tranzify
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Frequently asked questions
Which methods must an Italian checkout have?+
Does Tranzify need a Banca d'Italia licence?+
How do payouts and settlement work in Italy?+
Other countries in the region
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- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements