37M+
Italians holding a PagoBancomat debit card, each eligible to pay with Bancomat Pay online
Mordor Intelligence, 2025
Accept Bancomat Pay. Convert more in Italy.
Over 37 million Italians hold a PagoBancomat debit card, yet most cross-border merchants still do not offer Bancomat Pay at checkout. Every missing local payment option is a conversion handed to a domestic competitor.
37M+ | +45% | 35M+ |
| Italians with a PagoBancomat card | YoY growth in Bancomat Pay transactions | Italian online shoppers in 2025 |
Key data for Bancomat Pay
THE ITALIAN MARKET IN NUMBERS
+45.4%
Year-on-year growth in Bancomat Pay transactions, the fastest-growing domestic payment method in Italy
BANCOMAT S.p.A., 2025
35M+
Italian online shoppers in 2025, growing by 1.2 million new buyers per year
Netcomm, 2025
40.1B €
Italian B2C ecommerce market value in 2025, up 6% year on year
Netcomm / Pagamenti Digitali, 2025
How does Bancomat Pay work?
Bancomat Pay is Italy's domestic mobile payment service. Consumers pay directly from their bank account using their banking app. No card details are entered and no separate account is required. Authentication happens via PIN or biometrics inside the Bancomat Pay-enabled banking app, making it fast and familiar for Italian shoppers.
STEP 01
Customer adds to cart
The shopper browses your store and adds items to their cart, ready to check out.
STEP 02
Selects Bancomat Pay at checkout
Bancomat Pay appears as a payment option alongside cards. The customer selects it and enters their phone number.
STEP 03
Push notification sent to banking app
The customer's bank sends a push notification to their Bancomat Pay-enabled banking app with the transaction details.
STEP 04
Customer authenticates in their app
The customer confirms the payment using PIN or biometrics inside their banking app. No card data is shared with the merchant.
STEP 05
Order confirmed instantly
Payment is authorised in real time. Your system receives the webhook confirmation and the order is processed immediately.
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
Bancomat Pay activates through your existing HiPay integration. No separate agreement and no additional contract to negotiate. Your technical team works with the same API already in production and can go live in under a week.
Compliance and onboarding handled
HiPay manages the full onboarding process including application form and KYC/AML documentation. The integration is PCI DSS Level 1 certified, with SCA handled natively. Your team does not need to engage the acquiring chain directly.
Unified reporting across all markets
Italian Bancomat Pay transactions reconcile alongside your other markets in a single HiPay dashboard. Daily settlement in EUR with a 5-working-day delay. Your finance team manages Italy from the same interface as France, Germany, and Spain.
Full and partial refunds
Bancomat Pay supports both full and partial refunds, processed through HiPay's standard refund flow. No separate process is required for your operations team.
Payment guaranteed
Once authorised, Bancomat Pay transactions are guaranteed. This reduces revenue exposure from failed payments on the Italian market.
App-based authentication
Customers authenticate via their own banking app using PIN or biometrics. No card data is exchanged and there is no redirect friction, so checkout completion rates stay high.
Built for cross-border merchants
EUR authorisation and settlement, daily payout frequency, and unified reconciliation with your other HiPay markets. Italy fits directly into your existing finance workflow.
Localised fraud management
Risk rules specific to the Italian market are configured automatically through HiPay. Your risk team does not need to build Italy-specific fraud logic from scratch.
Full sandbox and testing
Test Bancomat Pay end-to-end in HiPay's sandbox before going live. Your integration team can validate the full payment flow without touching production.
Common questions
Is Bancomat Pay available for non-Italian businesses?
Yes. Bancomat Pay is available to any merchant processing payments in Italy, regardless of where your company is headquartered. HiPay handles the onboarding on your behalf, including KYC/AML documentation, so cross-border merchants can activate without engaging the Italian acquiring chain directly.
How long does integration take?
For existing HiPay merchants, Bancomat Pay activates through your current API integration with no new technical work required. Onboarding typically completes in under a week, subject to KYC review. New merchants should allow 1 to 2 weeks for full setup.
Does Bancomat Pay support recurring payments?
No. Bancomat Pay does not currently support recurring or subscription billing. Each transaction requires the customer to authenticate individually via their banking app. If your business model requires recurring payments in Italy, HiPay can advise on complementary options.
What is the chargeback and dispute policy?
Bancomat Pay transactions carry chargeback risk. The dispute timeframe is 60 days. HiPay's localised fraud management rules help reduce dispute exposure, and our risk team can advise on thresholds specific to the Italian market.
Is Strong Customer Authentication (SCA) required?
Yes. Bancomat Pay uses app-based strong authentication. Customers confirm each transaction in their banking app via PIN or biometrics. This satisfies PSD2 SCA requirements natively, with no additional 3DS2 step required on the merchant side.
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