A payment gateway is a technology layer that securely authorizes and settles transactions between customers, merchants, and financial institutions. For Romanian businesses in 2026, the right gateway does more than process card payments—it determines how fast revenue reaches your account, how many currencies and methods you can accept, and how easily you can scale across borders.
The best payment gateway for Romania in our rating is NOWPayments because it functions as a complete crypto business ecosystem, combining payment acceptance, mass payouts, treasury conversions, custody, and wallet infrastructure under one API for Romanian companies expanding globally. Unlike traditional processors that only handle cards and bank transfers, NOWPayments enables near-instant payouts, email-based mass disbursements, and automated treasury workflows that are difficult to replicate with fiat-only providers.
In 2026, choosing the right payment gateway is critical because Romanian e-commerce, SaaS, and service businesses increasingly sell to international customers, pay global suppliers, and need predictable settlement timelines. The right provider reduces processing costs, minimizes operational friction, and supports the payment methods your customers actually prefer.
Here is a list of the best payment gateways in Romania in 2026:
- NOWPayments
- NETOPIA Payments
- Revolut
- Global Payments
- PayU
What We Considered When Choosing the Best Payment Gateway: Our 2026 Selection Criteria
Our goal in creating this comparison is to provide an unbiased overview based on features that are critical for businesses operating in Romania. We focused on identifying the most relevant criteria that align with the specific needs of Romanian companies and their customers.
- Supported assets: The range of payment methods, cryptocurrencies, stablecoins, and fiat currencies a gateway accepts determines whether a business can serve local Romanian customers and international buyers through one integration.
- Fees: The total cost of processing deposits, conversions, and payouts directly impacts profitability and is a top concern for cost-conscious merchants comparing card, crypto, and payout fees.
- Integration Tools: The availability of APIs, plugins, SDKs, widgets, and no-code tools determines how quickly a business can deploy the gateway and connect it to existing e-commerce, billing, or accounting systems.
The comparative table below summarizes how each gateway performs in these three decisive categories, which we will explore in detail for each provider.
| Payment Gateway | Supported assets | Fees | Integration Tools |
| NOWPayments | 350+ cryptocurrencies, 30+ stablecoins, USDT/USDC focus, multi-chain | Single-currency deposit 1%–0.3%; multi-currency 1.5%; conversions 0.5%; payouts 0%; ChangeNOW Pro email payouts: $0 network fee | REST API, WooCommerce, & WHMCS plugins; widgets, buttons, POS |
| NETOPIA Payments | Visa, Mastercard, Apple Pay, Google Pay, SMS payments, mobilPay Wallet, RON | From ~0.99% + 0.30 RON per transaction; no activation or monthly fee for basic services; volume discounts | Plugins for Shopify, Magento, WooCommerce, PrestaShop, OpenCart, WHMCS; API; Link2Pay no-code links; mobilPay Wallet |
| Revolut | Visa, Mastercard, Amex, Maestro, Apple Pay, Google Pay, Revolut Pay, 35+ currencies | Online EEA consumer cards 1% + 1.20 RON; Amex 1.7% + 1.20 RON; other cards 2.8% + 1.20 RON; in-person from 0.8% + 0.12 RON | Pre-built e-commerce plugins, Merchant API, payment links, subscriptions, POS app, Revolut Reader, Tap to Pay |
| Global Payments | Visa, Mastercard, debit/credit, Apple Pay, Google Pay, RON/EUR/USD, DCC | Custom pricing based on volume and business profile; interchange-plus or tiered models | POS terminals, GP Tom mobile POS, GP Webpay online gateway, ~85% cash-register integration, Oracle Hospitality |
| PayU | Visa, Mastercard, Klarna, PayPo, Click2Pay, 150+ global methods | Activation 1 RON; monthly 25 RON; payout 0 RON; cards 0.99% + 0.30 RON; Klarna 1.99% + 1.18 RON; PayPo 2.50% + 0.30 RON | REST API, plugins for major e-commerce platforms, hosted checkout, admin panel with reporting and analytics |
NOWPayments
NOWPayments is the best crypto payment gateway for Romanian businesses in 2026 because it operates as a complete crypto business ecosystem rather than a simple processor. The platform unifies payment acceptance, mass payouts, treasury conversions, custody, and wallet infrastructure under one API, making it ideal for Romanian SaaS, e-commerce, marketplaces, affiliate programs, and creator-economy businesses that move value across borders. Built for B2B infrastructure rather than retail speculation, NOWPayments prioritizes stablecoin liquidity, near-instant settlement, and operational support for companies scaling globally. It also provides compliance guidance, tax operational support, and 24/7 business assistance, positioning itself as a long-term infrastructure partner rather than a transactional vendor.
Supported Assets. NOWPayments focuses on stablecoin settlement, with USDT and USDC as the primary rails across multiple major blockchains. This stablecoin-first approach removes volatility risk while preserving the speed and global reach of crypto settlement. The platform also supports a broad range of digital assets, but the emphasis for business clients is on predictable, dollar-pegged treasury flows and seamless conversion options. Fiat settlement is available through integrated conversion partners, giving Romanian merchants flexibility to hold crypto or convert to traditional currencies as needed.
| Asset Category | Details |
| Stablecoins | USDT, USDC, and 30+ fiat-pegged stablecoins across major chains |
| Primary Chains | Ethereum, Tron, BNB Chain, Solana, Polygon, and more |
| Other Cryptocurrencies | BTC, ETH, LTC, XRP, SOL, ADA, BNB, DOGE, and 350+ others |
| Fiat Currencies | RON, USD, EUR, GBP, and 15+ fiat display currencies |
| Fiat Settlement | Available through integrated conversion partners |
| Coverage | Global, including EU and Romania |
Fees. NOWPayments uses transparent, volume-friendly pricing designed for high-scale operations. The standard deposit service fee starts at 1% for single-currency payments and 1.5% for multi-currency payments. Partners can reduce fees through voluntary verification (KYC/KYB), ChangeNOW Pro payout usage, and long-term partnership discounts, with single-currency deposit fees dropping as low as 0.3% for eligible partners. Standard payouts carry a 0% service fee, ChangeNOW Pro email payouts have a $0 network fee, and integration, setup, dedicated support, and account optimization are all provided free of charge.
| Fee Type | Amount | Note |
| Single-currency deposit | 1% standard; down to 0.3% | Same crypto in and out |
| Multi-currency deposit | 1.5% standard | The customer pays in one asset, merchant receives another |
| Conversion | 0.5% | Off-chain custody swaps |
| Standard payout | 0% | The merchant pays only blockchain network fees |
| ChangeNOW Pro payout | 0% | Email-based, $0 network fee |
| Setup / integration | Free | No setup charges |
| Dedicated support | Free | Account optimization included |
Integration Tools. NOWPayments offers API, payment buttons, payment widgets, point-of-sale tools, and SDKs designed for e-commerce and custom application development. The platform supports WooCommerce, Magento, PrestaShop, OpenCart, WHMCS, Zen Cart, and Ecwid, allowing Romanian merchants to embed crypto checkout with minimal development effort. The REST API covers payment creation, status tracking, mass payouts, subscriptions, custody operations, and fiat withdrawals, making it suitable for custom-built platforms. SDKs are available in multiple languages, while payment buttons and widgets enable no-code deployment for smaller merchants and donation-based projects.
NETOPIA Payments
NETOPIA Payments is the largest local card processor in Romania, with more than 19 years of experience and a strong footprint among Romanian e-commerce merchants. It offers Link2Pay, card processing, SMS payments, and the mobilPay Wallet, making it a practical choice for businesses focused primarily on the Romanian market. The platform is known for transparent pricing and native integrations with most popular e-commerce platforms. NETOPIA distinguishes itself through deep local expertise, a no-monthly-fee entry point for smaller merchants, and direct relationships with all major Romanian mobile operators for SMS-based payments.
Supported assets. NETOPIA specializes in local fiat payments, covering all major Romanian and international card schemes plus digital wallets and SMS-based micro-payments. Merchants can accept Visa, Mastercard, and Maestro cards, as well as Apple Pay and Google Pay for mobile-first checkout. The mobilPay Wallet extends acceptance to in-app payments and delivery orders, while SMS payments reach customers who prefer to charge purchases to their mobile bill. The platform is RON-focused but supports multi-currency card acceptance for cross-border sales.
| Asset Category | Details |
| Cards | Visa, Mastercard, Maestro |
| Digital wallets | Apple Pay, Google Pay |
| Other methods | SMS payments, mobilPay Wallet, Link2Pay |
| Currency | RON focus; multi-currency card acceptance available |
| Integrations | Shopify, Magento, WooCommerce, PrestaShop, OpenCart, WHMCS, and more |
Fees. NETOPIA is known for transparent, low-barrier pricing that appeals to startups and established merchants alike. There is typically no activation fee and no monthly subscription for basic services, with per-transaction commissions that are competitive and negotiable as volume grows. The standard card-processing rate starts from approximately 0.99% plus 0.30 RON per transaction, with lower rates available for high-volume partners. SMS and wallet transactions may carry separate pricing depending on the mobile operator or payment method used.
| Fee Type | Amount | Note |
| Activation | 0 RON | For Link2Pay/basic card acceptance |
| Monthly fee | 0 RON | Standard self-service tiers |
| Card transaction | From ~0.99% + 0.30 RON | Volume discounts available |
| Volume pricing | Negotiable | Lower rates for high-volume merchants |
Integration Tools. NETOPIA provides plugins and APIs for the most common e-commerce platforms in Romania, enabling quick deployment without extensive custom development. Merchants can integrate with Shopify, Magento, WooCommerce, PrestaShop, OpenCart, WHMCS, and other platforms using ready-made modules. The Link2Pay feature allows businesses to generate payment links for invoices, email campaigns, and social media sales without building a full online store. For custom setups, NETOPIA offers API access, while the mobilPay Wallet adds in-app payment and delivery capabilities for restaurants and local service providers.
| Integration Type | Details |
| Plugins | Shopify, Magento, WooCommerce, PrestaShop, OpenCart, WHMCS |
| API | Available for custom integrations |
| Link2Pay | No-code payment links for invoices and social selling |
| mobilPay Wallet | In-app payment and delivery integration |
Revolut
Revolut combines a business account with a payment gateway, making it attractive for Romanian companies that want banking, FX, and card processing in one place. Its merchant services include online checkout, payment links, invoices, subscriptions, in-person terminals, and Revolut Pay. Revolut distinguishes itself through next-day settlement, multi-currency holding, and an all-in-one financial operations platform. It is particularly strong for Romanian businesses with international customers or suppliers who benefit from holding and exchanging funds in 35+ currencies.
Supported assets. Revolut supports major card networks, digital wallets, and its own Revolut Pay wallet. It also allows merchants to accept and hold funds in over 35 currencies, reducing FX conversion costs. The platform processes Visa, Mastercard, American Express, and Maestro cards, as well as Apple Pay and Google Pay. Revolut Pay enables one-click checkout for the millions of Revolut users across Europe, while Pay by Bank supports selected instant bank transfers.
| Asset Category | Details |
| Cards | Visa, Mastercard, American Express, Maestro |
| Digital wallets | Apple Pay, Google Pay |
| Proprietary method | Revolut Pay |
| Bank transfers | Pay by Bank / Open Banking |
| Currencies | 35+ accepted and held |
| Crypto | Available inside Revolut Business accounts for holding/trading |
Fees. Revolut publishes transparent Romanian merchant fees with no monthly minimums or setup charges for payment acceptance. Online card transactions carry a percentage fee plus a flat RON component, while in-person rates are lower. EEA consumer cards are charged 1% plus 1.20 RON online, American Express 1.7% plus 1.20 RON, and other international cards 2.8% plus 1.20 RON. In-person transactions start at 0.8% plus 0.12 RON for EEA consumer cards, and Revolut Pay in-store costs 0.5% plus 0.12 RON.
| Payment Type | Variable Fee | Flat Fee (RON) |
| Online Card — EEA consumer cards | 1.00% | 1.20 RON |
| Online Card — American Express | 1.70% | 1.20 RON |
| Online Card — other cards | 2.80% | 1.20 RON |
| Revolut Pay Online | 1.00% | 1.20 RON |
| In-Person Card — EEA consumer cards | 0.80% | 0.12 RON |
| In-Person Card — American Express | 1.70% | 0.12 RON |
| In-Person Card — other cards | 2.60% | 0.12 RON |
| Revolut Pay In-Store | 0.50% | 0.12 RON |
Integration Tools. Revolut offers no-code plugins and a Merchant API for custom checkout solutions, plus payment links and invoicing tools. The payment gateway can be embedded through plugins for major e-commerce platforms or built from scratch using the Merchant API. Payment links enable quick invoicing and social selling, while subscriptions support recurring billing and merchant-initiated transactions. Revolut also provides a Point-of-Sale app, Revolut Reader, and Tap to Pay on iPhone for in-person businesses.
| Integration Type | Details |
| Plugins | Pre-built integrations for major e-commerce platforms |
| API | Merchant API for custom checkout and subscriptions |
| Payment Links | No-code links for invoices and social selling |
| Subscriptions | Built-in recurring billing and merchant-initiated transactions |
Global Payments
Global Payments is a worldwide card processor with a significant Romanian presence through its exclusive partnership with Banca Comercială Română (BCR). It serves over 8,000 Romanian merchants and manages more than 15,000 payment terminals, making it a strong choice for retail, hospitality, and omnichannel businesses. Global Payments distinguishes itself through a large terminal network, deep POS integrations, and local BCR-backed support. Its product portfolio includes traditional POS terminals, the GP Tom mobile POS app, and the GP Webpay online gateway.
Supported assets. Global Payments focuses on card acceptance across physical and online channels. Its GP Webpay online gateway supports RON, EUR, and USD, with dynamic currency conversion for international customers. Merchants can accept Visa and Mastercard debit and credit cards, meal and voucher cards, and loyalty cards through the terminal fleet. Apple Pay and Google Pay are supported, and DCC lets tourists pay in their home currency at the point of sale.
| Asset Category | Details |
| Cards | Visa, Mastercard, debit, credit, meal/voucher/loyalty cards |
| Digital wallets | Apple Pay, Google Pay |
| Online gateway | GP Webpay |
| Mobile POS | GP Tom — Android phones as POS terminals |
| Currencies | RON, EUR, USD |
| Special features | Dynamic Currency Conversion (DCC), Oracle Hospitality integration |
Fees. Global Payments does not publish standardized Romanian rates. Pricing is customized based on transaction volume, industry, card mix, and equipment needs. Businesses typically receive either interchange-plus or tiered pricing depending on their profile and risk level. Terminal rental or purchase, setup, and the GP Tom mobile POS app are priced individually, with promotional waivers sometimes available for new merchants.
| Fee Type | Amount | Note |
| Transaction fees | Custom | Volume-based and industry-specific |
| Terminal rental / purchase | Custom | Depends on device model |
| Setup | Custom | May be waived under promotions |
| GP Tom mobile POS | Custom | Android NFC app |
Integration Tools. Global Payments provides POS terminals, a mobile POS app, and an online gateway that integrates with approximately 85% of Romanian cash-register systems. The GP Webpay gateway supports plugins for common e-commerce platforms and is available in 19 languages. GP Tom turns any compatible Android phone into a contactless POS, eliminating the need for dedicated hardware. For larger retailers and hospitality chains, Global Payments offers Oracle Hospitality integration and a dedicated client portal for terminal and account management.
| Integration Type | Details |
| POS terminals | Traditional and Android-based terminals |
| GP Tom | Mobile POS app for contactless card acceptance |
| GP Webpay | Online payment gateway with plugins |
| Cash-register integration | Compatible with ~85% of Romanian POS systems |
PayU
PayU is a global payment service provider with deep local expertise in Romania. It offers a full-stack gateway with card processing, buy-now-pay-later options through Klarna and PayPo, and Click2Pay one-click checkout. PayU distinguishes itself through stable enterprise-grade infrastructure, local market knowledge, and strong authorization rates for Romanian e-commerce. The company also provides smart routing, fraud prevention, and a merchant dashboard designed for high-volume online sellers.
Supported assets. PayU Romania supports the most common card networks plus local and international alternative payment methods. Globally, PayU covers 150+ payment methods across 50 countries. Romanian merchants can accept Visa and Mastercard, offer Klarna and PayPo installment or deferred payments, and enable Click2Pay for returning customers. The platform processes payments in RON, EUR, USD, and other currencies, making it suitable for cross-border e-commerce.
| Asset Category | Details |
| Cards | Visa, Mastercard |
| Buy now pay later | Klarna, PayPo |
| One-click checkout | Click2Pay |
| Global methods | 150+ across PayU network |
| Currencies | RON, EUR, USD, and others globally |
| Integration | API, plugins, hosted checkout |
Fees. PayU Romania publishes transparent pricing for its automated solution. Merchants pay a 1 RON activation transfer, a 25 RON monthly fee, and zero payout fees. Card transactions are charged 0.99% plus 0.30 RON, while Klarna costs 1.99% plus 1.18 RON and PayPo 2.50% plus 0.30 RON. Custom pricing is available for enterprises processing more than 15,000,000 RON annually.
| Fee Type | Amount | Note |
| Activation | 1 RON | Verification transfer |
| Monthly fee | 25 RON | Access to PayU automated solution |
| Payout fee | 0 RON | No payout charge |
| Card payments | 0.99% + 0.30 RON | Visa, Mastercard |
| Klarna | 1.99% + 1.18 RON | Buy-now-pay-later |
| PayPo | 2.50% + 0.30 RON | Deferred payment |
| Enterprise | Custom | For >15,000,000 RON/year volume |
Integration Tools. PayU offers APIs, plugins, and a hosted checkout, making it accessible to both developers and non-technical merchants. The REST API supports custom integrations, while plugins connect the gateway to major e-commerce platforms. The hosted checkout provides a no-code redirect option for businesses that prefer not to build a native payment flow. Merchants also receive a reporting dashboard with refunds, reconciliation, analytics, and instant refund capabilities.
| Integration Type | Details |
| API | REST API for custom integrations |
| Plugins | Ready-made plugins for major e-commerce platforms |
| Hosted checkout | No-code redirect checkout |
| Reporting | Admin panel with refunds, reconciliation, and analytics |
Conclusion
In conclusion, we have thoroughly analyzed the main payment gateways for businesses in Romania in 2026, including NOWPayments, NETOPIA Payments, Revolut, Global Payments, and PayU, highlighting their key features such as supported assets, fee structures, integration tools, and settlement speed. Given the rapidly expanding Romanian e-commerce market and the growing demand for fast, secure, and globally oriented payment gateways, selecting the right gateway is crucial for businesses aiming to stay ahead in the competitive Romanian market.
NOWPayments is the best payment gateway for Romanian businesses since it is so versatile and can handle 30+ stablecoins and major cryptocurrencies. This is why it is the best choice for the Romanian market. It offers extensive payment options, from stablecoins and Bitcoin to fiat conversion, so that Romanian merchants can keep up with the requirements of international customers and crypto-savvy buyers. For Romanian businesses, NOWPayments is a reliable gateway that works for both merchants and their customers. It boasts fast transaction rates with 99% of payments confirming in under one minute and ecosystem email payouts settling in under one second; low deposit fees starting at 0.3%; and enterprise-grade infrastructure.
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