LunaPay

LunaPay is a Netherlands-based payment service provider (PSP) that positions itself around merchants in sectors that conventional banks and payment providers frequently turn away. Its own website frames the proposition bluntly: "Where banks and providers drop out, we stay" — listing online casinos, coffeeshops, dating and dropshipping as examples of the high-risk verticals it serves. Rather than acting as a single-acquirer gateway, LunaPay routes transactions through multiple licensed acquirers so that if one declines a merchant's industry or suffers an outage, another can take over the flow without the merchant noticing. The company offers an integrated stack that covers both physical and online acceptance. On the physical side it supplies payment terminals and cash-register integrations for in-store card acceptance, with fast settlement. On the online side it provides a hosted checkout, payment links and webshop plugins, plus API and checkout integration for developers. It advertises support for more than 100 payment methods and a broad set of currencies including EUR, USD, GBP, CHF, PLN, SEK, DKK and NOK, alongside cards, wallets and local payment methods. Beyond acquiring, LunaPay offers business IBANs and accounts through licensed European partners, including for the Spanish market. This lets merchants combine collections and payouts in one relationship. The company emphasises a single point of contact rather than a call-centre model, marketing itself as a fixed account manager who knows the merchant's business. LunaPay's target market is therefore not the general SME mainstream but specifically operators in gambling, adult, nutraceuticals, dropshipping and similar categories where chargeback risk, regulatory scrutiny or reputational policy leads mainstream providers to decline. Its multi-acquirer architecture is the core differentiator it promotes, framed as continuity insurance against acquirer refusals or downtime. The company presents itself as a Dutch provider with European reach, including a stated focus on the Spanish market for IBAN services. Because LunaPay is a privately held and relatively young entrant, public information is limited mainly to its own website and a Wikidata entry describing it as a "Dutch payment service provider for high-risk businesses." Details such as founding year, founders, ownership structure and licensing specifics are not established in the available evidence and should be verified directly with the company or Dutch regulatory registers before being relied upon.

LunaPay is a Dutch payment service provider that has built its business around serving merchants in high-risk verticals. The available evidence does not establish a founding date, founders or corporate history timeline; the company's public presence is centred on its website lunapay.nl and a Wikidata entry (Q140548063) that describes it as a "Dutch payment service provider for high-risk businesses." From its own marketing, LunaPay's model is defined by two structural choices. First, it targets sectors that mainstream banks and PSPs typically decline — online casinos, coffeeshops, dating and dropshipping are named explicitly on its homepage. Second, it operates a multi-acquirer architecture: instead of relying on a single acquiring bank, it routes each transaction through multiple licensed acquirers so that a refusal or outage at one does not stop the merchant's payments. This is presented as the core answer to the problem of account termination and payment downtime that high-risk merchants face. The product set spans physical and online acceptance. In-store, LunaPay provides payment terminals and cash-register integrations with fast settlement. Online, it offers a hosted checkout, payment links and webshop plugins, plus API and checkout integration. It advertises 100+ payment methods and multi-currency support including EUR, USD, GBP, CHF, PLN, SEK, DKK and NOK. It also offers business IBANs and accounts through licensed European partners, with a stated focus on the Spanish market. Service-wise, the company markets a single dedicated point of contact rather than a call-centre model. Its stated operating markets are the Netherlands and Europe, with Spain highlighted for IBAN services. Because the company is privately held and public documentation is sparse, further corporate history — incorporation, ownership, licensing and expansion — is not documented in the supplied evidence and would require verification through Dutch regulatory registers or direct company disclosure.

Payment service provider for high-risk merchants that mainstream banks and processors decline, differentiated by multi-acquirer redundancy and a single dedicated account contact.

• Payment terminals

  In-store card acceptance terminals connected to the merchant's cash register.

• Cash register integration

  Integration of card acceptance with the point-of-sale cash register.

• Hosted checkout

  Online checkout page for webshops.

• Payment links

  Shareable links for collecting online payments.

• Webshop plugins

  Ready-made plugins to connect webshops to LunaPay.

• Payment API

  API and checkout integration for developers.

• Business IBANs and accounts

  Business IBANs and accounts via licensed European partners, including for the Spanish market.

• Multi-acquiring

  Routing transactions through multiple licensed acquirers so a refusal or outage at one does not stop payments.

1. 1LunaPay | Betaaloplossingen voor high-risk ondernemerslunapay.nl
2. 2LunaPaywikidata.org