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If you run an online store — or are planning to launch one — one of the most important decisions you'll make is which payment methods to offer your customers. The payment experience directly affects your conversion rate: if a customer can't find their preferred payment method, they'll simply abandon their cart.
Market research shows that for approximately 70% of Hungarian online shoppers, the available payment methods significantly influence their purchasing decision. At the same time, hidden costs and opaque fee structures make choosing the right provider a complex task.
When you are ready to compare providers: the online payments for webshops landing page gives you a pre-filtered route for reviewing payment gateways and online acceptance options.
Before looking at specific providers, let's review what payment methods Hungarian customers expect from a webshop.
The most common online payment method: the customer enters their Visa or Mastercard details, and the transaction is processed instantly. In Hungary, these two card networks cover nearly 100% of the market. Accepting card payments requires a payment gateway.
An increasingly popular alternative is qvik instant payment, built on the Hungarian central bank's instant payment infrastructure. The customer approves the payment in their banking app, and the funds arrive within seconds. More and more payment gateways now offer this alongside traditional card payments.
Apple Pay and Google Pay are especially convenient on mobile: customers can pay with a fingerprint or Face ID without typing card details. These methods typically work through the payment gateway's card acceptance, so they're usually available automatically.
Mastercard Click to Pay and Visa Click to Pay are card networks' own passwordless, simplified payment solutions — read more about them here.
While not online payment methods in the strict sense, cash on delivery and advance bank transfer remain popular in Hungary. These don't require payment gateway integration, but real-time online payment is far more favorable for conversion rates and cash flow.
Installment payment options are available in more and more webshops. The customer receives the product immediately but pays in 3-4 installments. In Hungary, Klarna and other providers offer such solutions.
If you want to know who offers the best deals, check out the current ranking of the POSnavigator Arena Beginner Webstore Arena (or search for a personalized offer on POSnavigator!) In the Arena (and everywhere on POSnavigator), we calculate the total cost over 4 years, and the score represents the range of available features, with each of the top-10 list able to meet the needs of a beginner webstore.
This models an average startup Hungarian webshop, with a monthly turnover of approximately 5 million HUF and an average cart value of 15,000 HUF:
Barion — Barion Smart Gateway Fixed Package 2 - Advanced, HUF 2,376,000 over 4 years. Among publicly priced packages, this is currently the strongest visible entry offer for a starter webshop.
Raiffeisen Bank — online payments for high-volume businesses - promotional, HUF 3,269,725 over 4 years. Relevant if you prefer a bank-led setup and a more traditional contract structure.
MBH Bank — VPOS payment, interchange++ pricing, HUF 5,023,472 over 4 years. This is the first deduplicated MBH offer in the current snapshot.
Revolut — online payment, HUF 5,168,338 over 4 years. A fast-moving international option if you are not committed to a bank-led model.
Stripe — Standard package, HUF 5,168,338 over 4 years. Excellent developer tooling and international flexibility.
Mollie — online payment, HUF 5,366,919 over 4 years. A European PSP that may become more relevant if you plan to expand beyond Hungary.
SumUp — online payment, ad-hoc payment package / base package, HUF 6,000,000 over 4 years. Easy to enter, but not one of the cheapest webshop options in this current snapshot.
PayPal — online card payment, HUF 6,098,400 over 4 years. Strong brand recognition, but usually not the cheapest first choice for a Hungarian starter webshop.
viva.com — viva.com online payment, HUF 7,810,839 over 4 years. A fintech alternative that may fit some setups, but looks more expensive in this specific Arena sample.
SimplePay — online payment, custom pricing. It scores very strongly, but no public four-year cost is shown in the Arena table right now, which pushes it to the end of the ranking.
This top 10 is not an all-time universal ranking. It is a deduplicated snapshot for one specific webshop profile. If your turnover, basket size, platform, or payment mix is different, the order can change quickly. That is why the Arena view should be treated as a fast market scan, not the final decision.
Platform compatibility still matters, especially with Shoprenter and UNAS, and most merchants now reasonably expect support for qvik instant payment, Apple Pay, and Google Pay.
Tokenization means that after the first payment, the customer can save their card and does not have to type the details again on the next purchase. This is not just a convenience feature: fewer fields, fewer errors, lower cart abandonment, and faster mobile checkout.
If your webshop works with repeat orders, subscriptions, or loyal returning customers, this is one of the strongest conversion tools you can have. On the banking side, OneClick-style flows, and on the provider side, saved-card checkout, all push in the same direction: make payment a single action.
In practice, you want a provider that supports saved cards, recurring charging, and secure token handling. SimplePay, Barion, CIB-style online payments, and several large bank-led solutions all move in this direction.
Consider these factors when making your decision:
1. Fees and costs: Don't just look at the transaction fee! Check the joining fee, monthly minimum, payout fee, and currency conversion costs. Understanding the interchange fee and the interchange++ pricing model can help you see the real costs.
2. Supported payment methods: Beyond card payments, qvik, PayPal, Apple Pay, Google Pay, and one-click tokenized payments can all increase your conversion rate.
3. Webshop platform compatibility: Check that the chosen payment gateway is compatible with your webshop platform (WooCommerce, Shoprenter, UNAS, etc.). In POSnavigator you can filter this explicitly.
4. Payout time: When does the money arrive in your bank account? Barion can offer daily payouts, while other providers may take 3-7 business days.
5. Support and documentation: Hungarian-language support, developer documentation, and a sandbox environment all matter, especially if you do not have an in-house developer.
6. Security and compliance: The payment gateway must have PCI DSS certification and comply with PSD2 Strong Customer Authentication (SCA) rules.
If you run a webshop with multiple channels, a Nevogate-style integration layer can be useful: you can manage several PSPs in one place, have fallback options, and optimize costs by country or card type.
This becomes especially valuable if you do not sell only in Hungary, or if one PSP delivers weaker acceptance rates at times. In that case, a multi-PSP strategy is not exotic engineering, but risk management.
Nevogate-style setups make it possible to run several payment providers under one integration layer so you are not dependent on a single PSP.
Once you've chosen your payment gateway, here are the next steps:
1. Registration and contracting: Most providers allow you to start the process online. You'll need company details, a bank account number, and your webshop URL. With Barion, this can be completed in 1-2 days; with SimplePay and bank-linked solutions, it may take longer.
2. Technical integration: Depending on your webshop platform, this could be a simple plugin installation (for example WooCommerce, Shoprenter, or UNAS) or more complex API integration. Major payment gateways provide detailed developer documentation.
3. Test transactions: Always test before going live! Most providers offer a sandbox environment where you can try the payment flow without real money movement.
4. Going live and monitoring: After launch, monitor transaction success rates, declined payments, and payout regularity. Contact the provider's support team if you encounter issues.
Based on online reviews and forums, several recurring themes emerge among Hungarian webshop operators:
Barion is praised for quick setup and low barrier to entry — many small webshop owners highlight that registration and integration can be completed in hours, with competitive fees.
SimplePay is most often praised for customer trust: shoppers recognize the OTP name, which helps conversion. However, some merchants seek alternatives due to the joining fee and sometimes slower payouts.
Stripe is favored by developers for its excellent API documentation and flexible integration, but it's a less familiar brand for Hungarian customers, and forint-euro conversion may add costs.
Note: these are other merchants' experiences, not POSnavigator's opinion. Individual experiences may vary.
If you are a Hungarian starter webshop looking only at publicly priced Arena offers, the deduplicated top 10 on April 21, 2026 was led by Barion, followed by Raiffeisen and MBH Bank. Among international players, Revolut and Mollie still look like reasonable entry options in this sample.
If buyer familiarity, recurring payments, or qvik matter more than visible public pricing, SimplePay remains a serious option, but it currently appears with custom pricing in the public Arena view. That is exactly why one snapshot should not decide the whole project: the final choice still depends on your own turnover, basket size, integration needs, and webshop platform.
For a deeper comparison, read our Which online payment gateway should you choose for your webshop? article, the payment-provider selection guide, or run your own numbers in the POSnavigator cost calculator.
Most payment gateways have no monthly fee, and transaction fees are around 1-2%. SimplePay also charges a one-time joining fee (tens of thousands of forints). Barion and Stripe have no joining fees. For precise costs, we recommend the POSnavigator calculator. Prices reflect April 2026 data.
Barion, SimplePay, and several bank-led providers offer plugins or direct integrations for these platforms. In POSnavigator, it is worth checking the filters to see which provider matches your webshop engine best.
Plugin-based integration (e.g., WooCommerce + Barion) can be done in 1-2 hours. API-based custom development may take 1-2 weeks depending on complexity. Contracting requires additional time: 1-2 days with Barion, up to 1-2 weeks with SimplePay.
Qvik is growing in popularity in Hungary, and offering it can be a competitive advantage. If your payment gateway supports it (e.g., Simple), it's worth activating — some customers actively look for this option, and transaction fees may be lower than card payments.
Yes. Payment gateways available in Hungary all comply with PCI DSS security standards and PSD2 Strong Customer Authentication (SCA) requirements. Card data is handled by the payment provider, not the webshop — so merchants don't need to store card data.
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