Quickpay Review

Quickpay is a Danish payment gateway based in Aarhus that connects webshops to card acquirers, wallets and other payment methods. It launched in December 2004 and has been part of the German payments group Unzer since 2021, but it is still sold under its own name. Quickpay says more than 30,000 webshops use it and it handles more than 4 million transactions a month. Pricing is published. As of November 2026 the European price list is EUR 7 a month plus EUR 0.10 per transaction, with Visa and Mastercard acquiring through Quickpay from 1.35% (minimum EUR 0.10) + EUR 0.03. The Danish list is DKK 99 a month plus DKK 0.25 per transaction. All prices exclude VAT. Card acquiring is not done by Quickpay itself. Its standard terms say the merchant contracts separately with an acquirer, and its default acquirer is Clearhaus, a Danish-licensed acquirer that Unzer bought at the same time. There is no contract term: you can cancel at the end of any month. Merchants can also connect their own agreements with Nets, PayPal, Klarna, ViaBill, Trustly and others for an extra EUR 4 a month. Trustpilot reviews are mostly positive, but about one in eight is one-star, mainly about integration, onboarding checks and slow support.

Estimated annual cost at three realistic processing volumes, using Quickpay’s published online rate plus monthly fees. Real costs vary with average transaction size, chargeback rate, and any negotiated terms.

What Quickpay is

Quickpay is a Danish payment service provider: a gateway that sits between a webshop and the companies that actually move the money. It provides the payment window, the API and the plugins, then passes each payment to a card acquirer, a wallet such as MobilePay or Vipps, or a payment method such as Klarna or PayPal. On its About page Quickpay says it serves more than 30,000 webshops and handles more than 4 million transactions a month. Unzer gave the same figures in a July 2024 release, so they are not independently checked.

Lineage and ownership

Quickpay says it launched in December 2004 in Aarhus, and Unzer's 2021 acquisition announcements also give 2004 as the founding year. The operating company is Quickpay ApS, P. O. Pedersens Vej 2, 8200 Aarhus N, VAT number DK-21822434. Danish company-register (CVR) data, as republished by a register mirror, show that this legal entity was registered in June 1999 under an earlier name, PIL - Professionelle Internet Løsninger ApS, so the company is older than the product. In January 2021 Unzer, the German payments group formerly called heidelpay, announced that it would buy Quickpay together with the Danish acquirer Clearhaus, which had worked with Quickpay since 2014. Unzer completed the deal in September 2021 after regulators approved it. The purchase price was not disclosed, and Unzer said the founders would stay co-invested. Quickpay's own site says it still operates under the Quickpay name as part of Unzer. In a July 2024 release Unzer, which we review separately, described Quickpay as fully integrated into the group. Quickpay's complaints page gives the company name as Quickpay A/S, while its About page says Quickpay ApS. We use the registered ApS name.

Why we list Quickpay as a payment gateway

Quickpay's terms of service say the merchant must make its own agreements with acquirers, that those agreements are exclusively between the merchant and the acquirer, and that Quickpay is not a party to them. Its help centre is equally direct: a Quickpay account on its own does not let you accept payments. What has changed is the sign-up. The price list now offers a "Quickpay merchant account" with Visa and Mastercard "through Quickpay", and a June 2024 Quickpay guide says a new account automatically includes an agreement with Clearhaus. Clearhaus A/S holds the acquiring licence from the Danish Financial Supervisory Authority and settles the money, so the merchant agreement for cards sits with Clearhaus, not Quickpay. That makes Quickpay a gateway with a bundled sister acquirer, not a payment facilitator.

What it costs

Quickpay publishes four price lists: Europe in euros, and Denmark, Norway and Sweden in local currency. Every list says all prices exclude VAT. The figures below are from the European list as of November 2026, with Danish equivalents where they matter.

• Subscription: EUR 7 a month plus a gateway fee of EUR 0.10 per transaction (Denmark: DKK 99 a month plus DKK 0.25; Norway: NOK 99 plus NOK 0.50; Sweden: SEK 99 plus SEK 0.50). No set-up fee, and no fees until you start taking transactions.
• Visa and Mastercard through Quickpay: no extra gateway fee, plus an acquirer fee from 1.35% (minimum EUR 0.10) + EUR 0.03 (Denmark: from 1.35%, minimum DKK 0.75, + DKK 0.22). Apple Pay and Google Pay carry no extra gateway fee and cost whatever the underlying card costs.
• Card extras: EUR 0.25 per refund, EUR 35 per chargeback, EUR 0.04 per 3-D Secure check and 0.90% for currency conversion (Denmark: DKK 1.75, DKK 240 and DKK 0.30).
• Wallets on the Danish list: Vipps MobilePay single payments DKK 1.00 per payment; MobilePay Online DKK 49 a month plus DKK 1.00 per payment; Vipps MobilePay recurring payments and Swish carry no extra gateway fee.
• Additional payment methods: EUR 4 a month (DKK 30) plus EUR 0.04 (DKK 0.25) per transaction to use your own agreements for Dankort, Visa and Mastercard through other acquirers, Amex, JCB, Diners, PayPal, Klarna, ViaBill, Anyday, Trustly, iDEAL | Wero and Paysafecard. Each provider then charges its own fees.
• Optional extras: branding the payment window EUR 3 a month and each additional domain EUR 7 a month. Shopify shops pay an integration fee of EUR 0.13, which Quickpay says is added to the invoice; the page does not say whether that is per transaction or per month.
• Enterprise: merchants processing more than EUR 35,000 a month (DKK 250,000 in Denmark) can ask for custom pricing.

The card rate is a starting point, not a flat rate. Quickpay writes "from 1,35%" and does not say which cards qualify. Clearhaus's own price list charges a separate, higher band for business cards and cards issued abroad, so expect a blended rate above 1.35%. As an illustration, a shop on the European list taking EUR 20,000 a month in 400 card payments of EUR 50, all at the lowest rate, would pay EUR 7 subscription, EUR 40 in gateway fees and EUR 282 in acquirer fees: EUR 329, or about 1.6% of sales. If every payment also went through a charged 3-D Secure check, that adds EUR 16. Billing counts successful authorisations, successful and failed recurring charges and successful payouts as transactions; captures, refunds and failed authorisations do not count.

How it works

Merchants sign up online, choose a plan and add a card or other payment method for Quickpay's own monthly invoice. Card acceptance starts once the acquirer approves the merchant. Quickpay's help centre says a Clearhaus agreement applied for through the Quickpay Manager is typically approved from one day to the next, and Clearhaus then registers the merchant for 3-D Secure. The checkout is a hosted payment window that can be branded, or an embedded flow through the REST API. Quickpay lists plugins or hosted integrations for Shopify, WooCommerce, Magento, PrestaShop, OpenCart, Shopware, nopCommerce, Drupal, Dandomain, Shoporama, SmartWeb, Dynamicweb and a long tail of Danish shop and booking systems. The Manager also has payment links, a virtual terminal, subscriptions and recurring billing, a rules-based Fraud Filter, CSV exports and dispute handling. If a merchant connects more than one card acquirer, Quickpay routes each payment to the cheapest one for that amount and fails over to the other if one has an outage. Quickpay says it is certified to PCI DSS Level 1.

In-store payments are new and not yet priced publicly. Quickpay's POS page describes Verifone terminals and an Android SoftPOS option, aimed mainly at its partners, and Unzer announced in February 2026 that it had launched in-store payments in Denmark with Verifone and planned to add POS acquiring under the Clearhaus brand.

Contracts and terms

Quickpay's side of the deal is unusually light. The terms of service, valid from 1 June 2016, say the merchant can terminate at any time and is not bound at all, and the pricing page promises no notice period. The subscription renews monthly; cancelling before the next billing period avoids the next month's fee, and an account can be paused to stop the monthly fee. The same terms are thin on protections for the merchant. Quickpay accepts no responsibility for malfunctions, can suspend the service for maintenance, and says a merchant may not make any claims against it for interruptions, whatever the cause. It can change prices on three months' notice and assign its obligations under the terms to a third party without notice. Danish law applies, with disputes at the Maritime and Commercial Court in Copenhagen. The acquiring side is governed by Clearhaus's general terms (version 2026-02). The merchant can end that agreement immediately; Clearhaus needs three months' notice unless there is gross or repeated misconduct. Clearhaus can change terms on 30 days' notice, or less after a new risk assessment. Payouts are made net of fees, fines, refunds, disputes and reserves set in the merchant agreement. If the card schemes fine Clearhaus because of a merchant's breach, the merchant pays the fine plus a 25% administration fee.

Payouts and settlement

Quickpay does not settle card sales; the acquirer does, so payout timing depends on the acquirer. With Clearhaus the default is weekly: payments captured between Monday 21:00 CET and the following Monday 21:00 CET are paid on the following Thursday. Daily settlement, available on request, uses three bank delay days (Clearhaus's example: captures between Monday and Tuesday 21:00 CET are paid the following Friday), and monthly settlement pays on the fifth of the next month. Clearhaus says a non-Danish bank account may receive funds a few days later. It settles in DKK, EUR, GBP, NOK, SEK, USD, CZK, HUF, PLN, RON and CHF, and a merchant can add a separate Clearhaus account for each settlement currency to avoid conversion. Under Clearhaus's terms a payment may not be captured until the goods or services have been delivered or sent, and a merchant changing company form must capture everything first, because authorisations on the old agreement cannot be captured once it closes.

Surcharging, refunds and disputes

Quickpay has an autofee feature that adds the card fee to the customer's total. Its help centre notes that since 1 January 2018 surcharges on consumer cards issued in the EU are not allowed. Autofee therefore only applies to business cards and consumer cards issued outside the EU, and not to Apple Pay or Google Pay. Disputes on Clearhaus payments are handled in the Quickpay Manager: the merchant uploads evidence as a single PDF, and the acquirer team decides whether to contest the chargeback with the issuer. Missing the deadline usually means losing the case.

Reputation and complaints

As of 14 November 2026, Quickpay ApS has a TrustScore of 4.4 from 379 reviews on Trustpilot. 79% of reviews are five-star and 13% are one-star. The profile is claimed. Trustpilot says Quickpay has not recently invited customers to review it, and that it has replied to all of its negative reviews. Recent five-star reviews, two of them from October 2026, praise fast help, including help stopping card-testing attacks on a webshop. The one-star reviews mainly concern difficult API integrations and documentation, onboarding and identity checks (one reviewer objected to being passed to Clearhaus), payments failing at checkout, slow support, and one outage in September 2026. We found no lawsuit or regulatory enforcement action naming Quickpay. The parent group's own regulatory history is covered in our Unzer review.

Support

Support is by phone and email, Monday to Thursday 09:00 to 16:00 and Friday 09:00 to 15:30 Danish time, with separate addresses for sales and accounting, a help centre, developer documentation on learn.quickpay.net and a public status page. There is no published evening or weekend cover, which matters for a webshop whose busiest hours are outside the working day. Formal complaints go to a complaints officer in Quickpay's legal department, by post or email.

Who Quickpay suits

Quickpay suits a small or mid-size webshop in Denmark, Norway or Sweden that runs on a common shop system and wants cards, MobilePay or Vipps, Swish and the usual local methods behind one checkout at a price it can read before signing up. The no-contract terms make it cheap to try. Businesses outside Europe cannot use it for card acquiring, and merchants who need in-store terminals should ask for a written POS quote. Before you start, read the Clearhaus acquiring agreement as carefully as the Quickpay price list: that is where your rate band, reserves and payout schedule are set.