40M+
Active Bancomat cardholders — nearly every Italian adult has one in their wallet.
Source: Bancomat SpA, 2024
Accept Bancomat Pay. Convert more in Italy.
Over 40 million Italians hold a Bancomat card. Cross-border merchants who don't support Bancomat Pay lose conversions at every checkout — to local competitors who do.
11M+ | #1 | +21% |
| bancomat cardholders | local payment method in Italy | Average conversion uplift |
The Italian market in numbers
Key data points that explain why Bancomat Pay is non-negotiable for any merchant selling in Italy.
+34%
Year-over-year growth in Bancomat Pay online transactions in 2024.
Source: Bancomat SpA Annual Report
72%
Of Italian shoppers prefer a local payment method when checking out online.
Source: Osservatorio Innovative Payments
500+
Italian banks issuing Bancomat-compatible cards — near-total market coverage.
How does BancomatPay work?
Bancomat Pay is Italy's national debit payment network the online/mobile extension of the physical Bancomat card (Italy's equivalent of a domestic debit scheme). It enables Italian consumers to pay online with their bancomat card directly from their bank account and is therefore the preferred payment method for Italian consumers.
STEP 01
Add to cart
Consumer adds their products in the shopping cart and continues to checkout
STEP 02
Select BancomatPay
During checkout the client will select their preferred payment methods: "BancomatPay"
STEP 03
Bancomat QR code
Hipay generates and returns a QR code wich the client will scan with their smartphone.
STEP 04
Scan and Authorization
After having scanned the QR code in their bancomat app, the client will be prompted to authorize the payment
STEP 05
BancomatPay authorized
The payment is authorized succesfully and the client will be notified on the device they are making the purchase from
QR code & deep link checkout
Bancomat Pay works natively via QR scan and app deep link — optimised for Italian mobile checkout flows.
Full & partial refunds
Issue full or partial refunds directly from the HiPay dashboard or via API with automatic reconciliation.
Recurring & subscription billing
Tokenise Bancomat Pay mandates for subscriptions and repeat purchases — fully compliant with Italian banking regulations.
Built for cross-border merchants
Multi-currency reconciliation alongside all your other markets. One dashboard for your finance team.
Localised fraud management
Italian market risk rules configured automatically. Full protection from day one, no manual tuning needed.
Full sandbox & testing env
Complete staging environment mirroring production — test all flows, edge cases, and webhooks before go-live.
Check out our developer portal >
Why HiPay is the right partner for Bancomat Pay
What sets HiPay apart for cross-border merchants activating Bancomat Pay in Italy.
Single API — no new contract, no extra dev work
Bancomat Pay is activated via the same HiPay API your team already uses. No separate agreement with the Italian banking circuit, no additional integration overhead, no new dashboard to manage.
PCI DSS Level 1 certified — all compliance handled
HiPay is a licensed Payment Institution under ACPR supervision. We handle SCA, 3DS2, and every Italian regulatory requirement. Your team focuses on product, not compliance paperwork.
Unified reporting across all your markets
Italy reconciles alongside France, Germany, Spain, and the rest of your markets. One settlement report, one dashboard, one finance workflow — no matter how many countries you operate in.
Common questions
Is Bancomat Pay available for non-Italian businesses?
Yes. Any merchant using HiPay can offer Bancomat Pay regardless of where incorporated. HiPay handles the local acquiring and settlement on your behalf.
How long does integration take?
For supported CMS (PrestaShop, Magento, WooCommerce, Cegid), under 48 hours. Custom API integration typically 3–5 business days with dedicated HiPay support.
Does Bancomat Pay support recurring payments?
Yes. HiPay supports tokenisation for Bancomat Pay, enabling one-click and recurring payments for subscriptions — fully compliant with Italian banking regulations.
What are the transaction fees?
Pricing is tailored to your volume and vertical. Contact our team for a personalised quote. Transparent, competitive rates with no hidden setup fees.
Is Strong Customer Authentication (3DS2) required?
Talk to a payments specialist for Italy
Our team reviews your current setup and explains how to activate Bancomat Pay in less than a week. No commitment required.
Free diagnostic call, no commitment
Technical team available to review your existing integration
Enterprise SLA with support in Italian, English, and French
Dedicated onboarding for cross-border merchants