Satispay

Paying at a shop

Scan the shop's QR code and enter the amount, scan a dynamic checkout code with the amount already filled, or choose the shop from the app's list. After sending, check the payment status on the app's Home screen. At an online partner, select Satispay and use the account's mobile number or scan the checkout QR code to approve the payment.

Funding the balance

Budget sets the target for automatic top-ups; Disponibilità is the money currently available to spend. Registration asks for a phone, email, identity document and IBAN, plus an Italian tax code for Italian residents. Account verification follows. Satispay accepts SEPA-area IBANs for adult account funding.

Costs for the Italian service

Store payments and transfers to contacts are free. Standard and Budget-based top-ups have no Satispay fee; an instant top-up costs EUR 1. An insufficient-balance payment costs EUR 0.25 when the missing amount exceeds EUR 1. Bank or third-party charges may still apply to funding or transfers. Optional card plans have separate prices.

For new Italian physical-store merchants registering from September 2026, payments below EUR 10 have no Satispay commission. The standard rate for payments of EUR 10 or more is 0.95%; tobacconists and newsagents pay 0.5% when that is their primary registered business activity. Existing merchants receive their own update information. Online stores and additional services have separate conditions, so this physical-store rate does not cover every transaction.