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If you are launching a webshop or switching payment provider, you quickly realise that the Hungarian market has dozens of online payment providers competing for your store. Banks, local payment gateways and international fintechs all promise something different, with different fee structures, integrations and settlement logic.
In this article we present the most important online payment providers active in Hungary in 2026, plus the bank VPOS solutions. We objectively summarise what each offers, what to watch for, and we show the fresh, real-calculation cost ranking from the POSnavigator Starter Webshop Arena.
If you want an immediate steer, the key is not which provider advertises itself as the cheapest, but the total cost at your own turnover. POSnavigator therefore looks at the transaction fee, monthly fee, connection cost, contract lock-in and the estimated 4-year cost together.
If you are already looking for a provider: the online payment comparison page for webshops gives a pre-filtered route through gateways and online acceptance options.
Lowest calculated webshop cost: in the Starter Webshop Arena model refreshed on 26 June 2026, among publicly priced packages the Barion Smart Gateway Advanced packages lead, followed by Raiffeisen's promotional online payment and MBH bank VPOS. Important: in this article we can only list costs for providers that make their pricing public. A significant share of payment providers only quote on individual request — in many cases this is not only possible but necessary, and often well worth doing. POSnavigator helps here too: through us you can request quotes from several providers at once and make them compete.
For buyer trust and innovation: SimplePay is a strong choice because shoppers recognise and trust it — and it is one of Europe's most innovative providers, almost always first to market with new payment methods.
For developer flexibility and cross-border sales: Stripe, Mollie or Revolut can be advantageous.
For a fast, low-entry start: Barion offers fast online onboarding, while Stripe and PayPal can be launched within days via online registration alone — but at higher turnover the fees may not deliver the lowest total cost.
For qvik and instant payment: if you also want to offer qvik instant payment, pick a gateway that already supports it — its transaction fee is typically lower than card.
In short: at low turnover a fast, no-monthly-fee solution is often convenient; at steadier turnover a fixed or interchange++ based offer can be cheaper. It is worth recalculating the order with your own data in the POSnavigator calculator.
Before looking at specific providers, it helps to review which payment methods Hungarian shoppers expect from a webshop.
The most common online method: the shopper enters their Visa or Mastercard details and the transaction completes instantly. In Hungary these two schemes cover close to 100% of the market. To accept card payments you need a payment gateway.
An increasingly popular alternative is qvik instant payment, built on the MNB instant payment system. The shopper approves the payment in their bank's mobile app and the amount arrives within seconds. More and more gateways offer it alongside cards, usually at a lower transaction fee.
Apple Pay and Google Pay are especially convenient on mobile: the shopper pays with a fingerprint or Face ID without typing card details. These typically work through the gateway's card acceptance, so if you accept cards they are usually available automatically.
Mastercard Click to Pay and Visa Click to Pay are the card schemes' own password-free, simplified checkout — read more here.
Although not online payment methods in the strict sense, cash on delivery and prepayment remain popular in Hungary. They require no gateway integration, but real-time online payment is far better for conversion and cash flow.
Instalment payment (Buy Now, Pay Later) is available in more and more webshops: the shopper receives the product immediately but pays in 3-4 instalments. In Hungary Klarna and others offer this.
Before the provider profiles, it helps to clarify the main decision factors:
1. Fees and costs: Do not look only at the transaction fee! Check the connection fee, monthly minimum, payout fee and currency conversion costs. Understanding the interchange fee and the interchange++ pricing model helps you see the real costs.
2. Supported payment methods: Beyond cards, qvik, digital wallets, Pay-by-Link and one-click tokenised payment can all increase conversion.
3. Webshop engine compatibility: Check that the gateway is compatible with your engine (WooCommerce, Shoprenter, UNAS, etc.).
4. Payout time: When does the money reach your account? Barion can offer daily payout, others take 3-7 working days.
5. Support and documentation: Hungarian-language support, developer docs and a test environment — especially important if you have no in-house developer.
6. Security and compliance: The gateway must hold PCI DSS certification and comply with strong customer authentication (SCA) under PSD2. The providers listed on POSnavigator naturally meet these requirements.
Many starter webshops look for "no monthly fee" or "free" online payment. The good news: several gateways (such as Barion or Stripe) genuinely have no monthly base fee or connection fee — you only pay a percentage per transaction. The bad news: "no monthly fee" is not the same as the lowest total cost.
At higher turnover a fixed or interchange++ based construction can deliver a lower 4-year total cost even with a monthly fee. So even with a no-fee offer, calculate the total cost rather than just the convenience of starting. SimplePay, for example, charges a one-off connection fee but brings strong buyer trust and a bank background.
A bank-independent gateway (Barion, SimplePay, Stripe, Revolut, Mollie) can be advantageous if you want fast online onboarding, simple webshop integration and a flexible contract. These players can usually go live in a few days and do not tie payment to opening a new bank account.
Bank VPOS solutions (K&H, MBH, CIB, Raiffeisen) can be strong at higher turnover, for custom fee negotiation, or if you already bank with the provider. Decide based on your own turnover, integration needs and settlement expectations rather than on principle.
If you run a webshop across multiple channels, a Nevogate-style integration layer can help: manage several PSPs in one place, have a backup payment channel, and optimise cost by country or card type. This is not extreme — it is risk management, especially if you sell beyond Hungary.
In practice, integration looks like this:
1. Registration and contracting: Most providers start online. You will need company data, a bank account number and the webshop URL. At Barion this can take 1-2 days; SimplePay and bank solutions may take longer.
2. Technical integration: Depending on the engine, this can be a simple plugin install (WooCommerce, Shoprenter, UNAS) or a more complex API integration. Larger gateways provide detailed developer documentation.
3. Test transactions: Always test before going live! Most providers offer a sandbox where you can try the flow without real money movement.
4. Go-live and monitoring: After launch, watch the transaction success rate, declined payments and the regularity of payouts.
The providers below each approach online payment from a different angle. Read the list not as a classic ranking but as a decision map: which solution fits which webshop situation.
Barion is one of the leading Hungarian online payment gateways, with its own payment institution licence. It offers fast online onboarding, a low entry barrier and competitive, even no-monthly-fee packages. It supports card payment, digital wallets and tokenised saved-card checkout.
Best for: starting and growing Hungarian webshops that want a quick start and transparent, low entry cost. In the fresh Arena calculation, Barion delivers the lowest estimated cost among publicly priced packages.
SimplePay is OTP Mobil's service and one of the best-known payment solutions among Hungarian webshops. Its biggest advantage is buyer trust: the familiar background on the payment page reassures many shoppers, which can help conversion. SimplePay is also one of Europe's most innovative payment providers: they are almost always first to bring new payment methods to market. Another strong advantage is the Simple mobile app, through which they make very convenient payment options available to their many app users. It supports qvik instant payment and saved-card (recurring) payment.
Best for: webshops where buyer trust, domestic recognition and an innovative, convenient payment experience matter most. In return, a one-off connection fee is common and pricing is typically custom.
Stripe is one of the most advanced international payment platforms, favoured by developers for its excellent API and documentation. It is strong in recurring (subscription) payments, international card acceptance and flexible customisation. A big advantage is that it can be launched within days: no physical contract is needed, the whole process starts with online registration alone.
Best for: webshops with developer resources and openness to cross-border sales, and those who need a live payment solution fast. It is a less familiar brand to Hungarian shoppers, and HUF-EUR conversion can add cost.
Revolut's online payment is a fast-starting international alternative that fits well if you already use a Revolut Business account. It offers a simple interface and fast settlement. A particularly exciting development is that Revolut now has a Hungarian branch and a Hungarian bank account can be opened with them — this could further energise the local competition and bring more valuable service to merchants. With a huge Revolut user base in Hungary, many shoppers would gladly use this payment method at checkout too.
Best for: internationally minded, fintech-friendly webshops that are not specifically after a bank model — and worth watching given their local expansion.
PayPal is a globally recognised brand, strong among international and buyer-protection-conscious shoppers. It is important to know that PayPal is not only for PayPal users: it is also suitable for accepting classic online card payments, so shoppers can pay with a regular bank card in your webshop. Like Stripe, PayPal can be launched quickly via online registration — no waiting for a bank offer or contract. In return, it charges significantly: PayPal payments are typically not the cheapest.
Best for: webshops serving international buyers, and those who need to introduce a payment method urgently and value international recognition — accepting the higher fee in return.
viva.com has grown into an emerging international bank that provides not only payment but increasingly broad banking services. The advantage is that the merchant can use other banking services in one place; the disadvantage is that beyond pure payment, additional costs can arise, which you should watch for. Its card pricing looks notably high at first, but viva.com runs a special cashback program: the merchant receives a refund on purchases made with the bank card linked to their account. So if the merchant spends the money received from customers by card (for example, procurement by card), the significant refund can even reduce their card payment costs to zero. This is not worthwhile for every merchant, but for those who can use it, it can be one of the most favourable offers on the market.
Best for: webshops selling across several European markets and seeking an integrated financial solution, and especially those who can take advantage of the cashback program.
Mollie is a Dutch PSP popular across Europe for its many local payment methods and easy integration. It is relevant if you want to open up to other European countries alongside Hungary.
Best for: export-oriented webshops planning European expansion.
Global Payments is present in Hungary with the GP webpay online payment solution. It is also one of Europe's very old, reliable, multi-service payment players. Its online strength is the advanced feature set: one-click and recurring payment, dynamic currency conversion (DCC) and card tokenisation.
Best for: webshops that need advanced online payment features and an international processor background.
Raiffeisen Bank is one of the few bank players that also makes public pricing available for online payment — which is why it appears in the fresh, priced public Arena list, in a favourable position. Its disadvantage is that the solution requires opening a bank account; its advantages are the favourable pricing and the strong, stable international bank background.
Best for: webshops that want a bank background and predictable, favourable pricing, and for whom opening a bank account is not an obstacle.
Among the large Hungarian banks, K&H, MBH and CIB also offer VPOS (virtual POS) online payment, typically with a bank background and a classic contract. (Note: OTP today generally does not offer its own e-commerce gateway, but serves webshops through its subsidiary, SimplePay.) Consider bank VPOS if you already bank with the provider, have higher turnover, or can negotiate custom pricing. In the fresh Arena calculation, Raiffeisen's promotional online payment and MBH bank VPOS both made the publicly priced top tier.
Data refresh: we updated this cost and ranking block on 26 June 2026 based on POSnavigator's current Starter Webshop Arena preset and offer engine. The data is based on real-time POSnavigator calculation; the order and fees may have changed since.
According to the Arena, the Starter Webshop models an average new Hungarian webshop: roughly HUF 5 million monthly online turnover and a HUF 15,000 average basket, dominated by Visa and Mastercard volume. The order below is ranked by estimated average monthly cost (the 4-year total cost averaged over 48 months); if a provider has several public packages, it may appear in multiple rows. Only publicly priced packages are listed.
1st
Barion — Smart Gateway Fixed fee package 2 (Advanced)
Estimated average monthly cost: HUF 49,500
2nd
Barion — Smart Gateway IC++ fee package 2 (Advanced)
Estimated average monthly cost: HUF 54,285
3rd
Barion — Smart Gateway Fixed fee package 2 (Standard)
Estimated average monthly cost: HUF 64,500
4th
Raiffeisen Bank — online payment for high-volume businesses (PROMOTIONAL)
Estimated average monthly cost: HUF 68,046
5th
Barion — Smart Gateway IC++ fee package 2 (Standard)
Estimated average monthly cost: HUF 69,285
6th
MBH Bank — VPOS payment, interchange++ pricing
Estimated average monthly cost: HUF 104,656
7th
Revolut — online payment
Estimated average monthly cost: HUF 107,674
8th
Stripe — Standard package
Estimated average monthly cost: HUF 107,675
9th
MBH Bank — VPOS payment, single-type pricing
Estimated average monthly cost: HUF 116,266
10th
PayPal — online card payment
Estimated average monthly cost: HUF 127,050
11th
viva.com — online payment
Estimated average monthly cost: HUF 144,658
Several strong players — including SimplePay, myPOS, PayU and Global Payments — currently appear with custom pricing in the public Arena view, so no monthly figure is shown. That does not mean they are more expensive — only that their price is revealed after a sales discussion. POSnavigator helps here too: through us you can request quotes from several providers at once and make them compete.
The list above is especially useful for a starting webshop because, for these packages, POSnavigator shows not only that the provider exists on the Hungarian market but also a calculated cost for this specific webshop situation. So it is not a classic brand ranking: the same provider may appear with several packages.
Note, however, that not every offer can be compared in a single row the same way: there are fixed packages, interchange++ pricing, bank VPOS and constructions with different transaction logic. Beyond the publicly priced packages, many providers only give a custom quote — worth requesting directly, including through POSnavigator. So read the list as a strong starting point. If your basket value, turnover or webshop engine differs from the model, the order can easily shift — in that case recalculate with your own data in the POSnavigator calculator.
Based on online reviews and forums, a few recurring experiences emerge among Hungarian webshop operators:
Barion is praised for the fast start and low entry barrier — many smaller webshop owners note that registration and integration can be done in a few hours, and the fees are competitive.
For SimplePay, buyer trust is the most frequently mentioned advantage: shoppers recognise and trust it, which helps conversion. At the same time, the connection fee and occasionally slower payout lead some merchants to look at alternatives.
Stripe is loved by developers for its excellent API documentation and flexible integration, but it is a less familiar brand to Hungarian shoppers, and HUF-EUR conversion can add cost.
Note: these are other merchants' experiences, not POSnavigator's opinion. Individual experiences may differ.
To choose, think through:
What is your monthly online turnover? At low turnover, no-fixed-fee solutions; at higher turnover, fixed or interchange++ pricing may give a lower total cost.
How important is buyer trust? A familiar domestic brand (SimplePay) can lift conversion; for international buyers, PayPal or Stripe can help.
What is your webshop engine? WooCommerce, Shoprenter, UNAS — check which gateway has a ready plugin.
How important is payout speed? Barion can offer daily payout; others take 3-7 working days.
Do you need qvik or tokenised payment? If so, check that the gateway supports it.
On POSnavigator.eu you can compare providers by your own criteria and calculate the expected costs with our fee calculator — so you do not have to choose blindly.
As a starting or growing Hungarian webshop looking at the public, priced Arena list, in the 26 June 2026 order Barion came first, followed by Raiffeisen's promotional online payment and MBH bank VPOS, then Revolut and Stripe. But if buyer recognition, recurring payment or qvik matter more than a fast start, SimplePay remains a strong player — it just shows as custom pricing in the public Arena view. And remember: most providers only give a custom quote, which is worth requesting directly, including through POSnavigator.
Do not decide on a single snapshot: always make the final choice based on your own turnover, basket value, integration needs and webshop engine. To compare gateways in detail, see our Payment Gateway for Your Webshop — Which One to Choose? article, the payment provider selection guide, the Pay-by-Link without a webshop, or calculate with the POSnavigator cost calculator.
There is no single best online payment provider for every webshop. On the Starter Webshop Arena list refreshed on 26 June 2026, Barion delivered the lowest estimated monthly cost among publicly priced packages, but buyer trust and innovation (SimplePay), developer flexibility (Stripe) or international sales (PayPal, Mollie) can bring a different provider to the front. The order depends on your turnover and basket value, and many providers only give a custom quote.
Most gateways have no monthly base fee, and transaction fees are typically around 1-2%. SimplePay also charges a one-off connection fee; Barion and Stripe have no connection fee. For exact costs we recommend the POSnavigator calculator. The data reflects June 2026.
Barion, SimplePay and several bank providers offer a plugin or direct integration for these engines. In the POSnavigator filters it is worth checking which provider is most compatible with your specific webshop engine.
qvik is increasingly popular in Hungary and can be a competitive advantage. If your gateway supports it, it is worth enabling — some shoppers specifically look for it, and the transaction fee can be lower than card.
Yes. Payment gateways available in Hungary comply with the PCI DSS security standard and the PSD2 strong customer authentication (SCA) requirements. Shoppers' card data is handled by the payment provider, not the webshop — so the merchant does not need to store card data.
(The image is for illustration only.)
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