PayCek: обзор

Free to the merchant, and where that money comes from#

The FAQ is unambiguous: no fee for creating an account, none for maintaining it, and the transaction fee is not paid by the merchant. In a category where one percent is the going rate and two percent is common, a stated zero is worth reading twice.

It is worth reading twice because the money has to come from somewhere, and the pages we checked do not say where. The conversion from cryptocurrency into euros happens inside this provider's wallet, and the spread taken at that moment is not published anywhere we could find.

The unpublished spread is the whole question#

Every payment is converted the instant it is detected, so every merchant pays the spread on every transaction whether or not they think about it. A zero headline with an unpublished spread can cost more than one percent with a published one, and a reader cannot tell which from the pricing page.

That is recorded here as a checked absence rather than left blank. The conversion guide sets out how to measure a spread from a live quote, which is the only way to price this card properly before signing up.

Fifty-nine assets, counted exactly#

The FAQ gives a precise number rather than a rounded one with a plus sign, which is a small thing that says something. Fifty-nine is a broad list by the standards of this index, wide enough to cover the long tail a general checkout actually meets.

The breadth sits oddly next to a zero merchant fee, since supporting an obscure asset costs real money in liquidity and monitoring. Whatever else is true of the economics here, they are not the economics of a processor trying to look cheap by supporting three coins.

Euros in an IBAN, on a threshold you set#

Payouts run automatically once the balance passes a figure the merchant chooses between thirty and a thousand euros. That is a genuinely useful control: a small shop can take a weekly payment and a busier one can take a daily payment without asking anybody to change a setting.

The cap at a thousand euros is worth noticing at higher volume, because it means frequent transfers rather than large ones. Whether that matters depends entirely on what the merchant's bank charges for an incoming SEPA credit.

An API and no plugin shelf#

Web shop integration is offered and an API is documented, but no named platform plugins appear on the pages we read. For a shop on WooCommerce or Shopify that is the difference between an afternoon and a project with a budget.

The free web point of sale partly offsets it for a physical business, which needs no integration work at all. This card fits a counter better than it fits a checkout, and the retail page is where its strengths line up.

The operator behind the brand#

PayCek is run by Electrocoin, a Croatian company established in 2014 and holding authorisation under the European crypto-asset regulation. That is a longer track record than most cards in this index and a clearer regulatory position than nearly all of them.

Being inside the EU framework does not make a provider cheap or good, and it is not scored as if it did. It does mean a merchant can find out who they are contracting with, which is not true everywhere here.

Who should shortlist this#

A Croatian or wider European merchant, especially a physical one, who wants euros in a bank account and does not want a percentage on the invoice. For a cafe or a shop with a till, the free web point of sale and the automatic IBAN payout are most of the job done.

It suits anyone allergic to fee tables, provided they check the spread first. Ask for a live quote against a public exchange rate, compare the gap to a one percent card elsewhere in the index, and the answer takes ten minutes.

Where PayCek sits in the index#

Cost scores near the top on a stated zero and is held back from the maximum by the unpublished spread behind it. Integrations are the weakest line and drag the total, because an API is not a plugin however good the documentation.

Everything above came from the provider's own pages on 2026-09-02. Verification requirements are the field this provider is quietest about, and a merchant in a sensitive vertical should settle that question before anything else on this card.