01 / ACQUIRING
Online card acquiring
Accept Visa and Mastercard online through a checkout built for approval rates, not for the demo.
- E-commerce and subscription flows
- Approval-rate monitoring
- Settlement reporting you can reconcile
Licensed payment institution · Warsaw
Payments are complicated.
Your half doesn't have to be.
Card acquiring, local payment methods, merchant banking and gateway services from one European provider — so your team can ship product instead of stitching together four vendors.
◆KNF licensed
◆PSD2 aligned
◆EU infrastructure
◆3-D Secure 2
◆Warsaw, Poland
Products
Four products. No catalogue.
Most providers hand you a menu and let you work out which items actually exist. We'd rather do a short list properly and tell you plainly where the edges are.
02 / METHODS
Local and alternative methods
Every market has a method people reach for first. Miss it and the sale doesn't argue — it just leaves.
- Local favourites, wallets and bank redirects
- Method mix chosen per market
- New countries without a rebuild
03 / BANKING
Banking for merchants
Settlement accounts through our network of banks, for merchants that fit our risk appetite.
- Introduction to the right bank
- Settlement, not retail banking
- Reconciliation in the same dashboard
04 / GATEWAY
Gateway services
One integration for the methods your customers already trust — and the routing logic behind them.
- Cards, wallets, bank redirects
- Multi-acquirer routing
- Hosted or fully embedded checkout
Online card acquiring
The boring part, taken seriously
Authorisation is where revenue quietly disappears. We treat approval rates as an operational metric to be watched and argued about — not a number you discover at the end of the quarter.
- Checkout flows tuned for card-not-present traffic
- Recurring and subscription patterns supported from day one
- Chargeback and dispute handling with named owners
Authorisation snapshot
0%
CardsVisa · Mastercard
Auth model3-D Secure 2
SettlementT+3
Local and alternative payment methods
The revenue that leaves without saying goodbye
A missing payment method never shows up as a complaint. The customer simply closes the tab, and the loss lands in a number nobody attributes correctly. Adding the methods a market already trusts is the shortest distance between being available in a country and actually selling there.
- Local favourites, wallets and bank redirects, market by market
- Method mix built from your traffic rather than from a catalogue
- New markets opened without a replatforming project
- One reconciliation view across every method you switch on
Every market has one
1 default
PolandBLIK · Przelewy24
NetherlandsiDEAL
GermanyBank redirect
Banking for merchants
We don't run a bank. We know the ones that say yes.
Opening a settlement account as a payments-heavy business is a documentation exercise most banks would rather decline than understand. We've already had that conversation with the banks in our network — and we only open it for merchants who fit our risk appetite anyway.
- Settlement accounts through our partner bank network
- Eligibility assessed in the same onboarding review
- Settlement matched to transactions in one dashboard
Settlement accounts
Merchants
Held withPartner banks
PurposeSettlement
OnboardingKYB led
Gateway services
One integration. Fewer opinions to manage.
Your customers already decided how they want to pay. The gateway's job is to get out of the way — route the transaction to the right place, fail loudly when something breaks, and never make your engineers guess.
- Cards, wallets and local bank redirects behind one API
- Routing rules across multiple acquirers
- Hosted checkout or a fully embedded flow
Integration
0
MethodsCards · wallets · A2A
RoutingMulti-acquirer
DeliveryHosted or embedded
Why BergoPay
We're small enough to answer the phone
That's not a slogan about scale. It's the actual difference between a payment partner and a payment vendor.
Licensed, not improvising
Authorised and supervised in Poland, with the operating discipline that supervision requires.
Answers, not tickets
Escalation goes to a person who knows your account, in a timeframe you can plan around.
Pricing you can defend
A structure your CFO can read once and explain to the board without a decoder ring.
Built for growth spurts
Volume arrives unevenly. The platform absorbs it without a migration project every year.
Integration on your calendar
Composable pieces and honest documentation, so go-live fits your roadmap instead of ours.
Reporting finance can close
Settlement files and reconciliation views designed for month-end, not for screenshots.
How it works
From first call to first live transaction
01
Talk and qualify
We look at your volumes, markets and business model, and tell you early whether we're the right fit. Sometimes the answer is no.
02
Integrate and test
Connect through the API and sandbox. We validate flows, webhooks and reconciliation before anything touches production.
03
Go live and grow
Launch with monitoring, reporting and a partner who stays involved while you tune checkout and expand.
Before anything goes live, we complete KYB. Getting in touch starts a conversation, not an account — access to regulated services follows a successful onboarding review. Availability and terms vary by jurisdiction and business model.
Payment services
A payment service provider for e-commerce
BergoPay helps merchants and platforms run online payments that look simple on the surface and stay disciplined underneath. Card acquiring, local and alternative payment methods, banking and gateway services sit in one place, so you can match how your customers pay without stitching together providers that were never designed to meet.
Card acquiring remains the backbone of e-commerce for most brands. We focus on reliable authorisation paths, transparent operational practice and checkout components that support higher completion — the unglamorous work that decides whether a payment stack is worth having.
Banking that sits beside your payments
Separating the money you take from the account it lands in creates friction nobody asked for. Settlement accounts arranged alongside acquiring keep processing, payouts and reconciliation in one conversation.
Local methods and expansion
Shoppers abandon carts when the method they trust is missing. Wallets, bank redirects and regional favourites are among the most direct levers available in European digital payments, where preferences differ sharply between markets — and where an unsupported default quietly caps how far a brand can grow.
Where we operate
We are based in Poland and licensed there. If your model sits outside what we can support today, we will say so at the first call rather than the fifth.
Get started
Tell us the volumes. We'll tell you the truth.
Send us your markets, your monthly turnover and your timeline. You'll get a straight answer about fit, a pragmatic implementation plan, and no discovery call that turns out to be a pitch.