# CloudCart Pay: cards, Apple Pay and Google Pay with a 0% fee through Dec 31, 2026 Accept Visa, Mastercard, Apple Pay and Google Pay in your online store with no fee through Dec 31, 2026. No bank agreement, no monthly fee. Source: https://cloudcart.com/en/offer/cloudcart-pay · CloudCart CloudCart Pay · 0% fee through Dec 31, 2026 ## Accept cardswith no fee until the end of the year Visa, Mastercard, Apple Pay and Google Pay in your store. Through Dec 31, 2026, you pay no fee on any card payment. No bank agreement. [Create a store for €1](https://my.cloudcart.com/register) 0% fee through Dec 31, 2026No bank agreementNo monthly fee Already on CloudCart? Turn it on in your admin: Settings → Payment methods → CloudCart Pay. /admin/payment-providers/cloudcart_pay/onboarding[Open CloudCart Pay in your admin →](https://my.cloudcart.com/login) 0% fee through Dec 31, 2026 ✓Paid · €11.60 2 ways to pay Pay Pay 9:41●●● 5G Payment · 1 productBrazil by DABOV200.8 g · specialty coffee€11.60 Pay CardVisa ···· 4242Storedabov.coffee TOTAL€11.60Pay with Face ID Pay CardMastercard ···· 5555Storedabov.coffee TOTAL€11.60Confirm with your fingerprint ## From order to money in your account The customer never leaves your store, and you pay no fee until the end of the year. The customer ordersThey pick products and reach payment in your store.They pay in your storeBy card, Apple Pay or Google Pay. The form is built in, with no redirect.The bank confirmsThe customer's bank verifies the payment right in the form. The order is paid.The money reaches youIn your account, usually within 2 to 5 business days. No fee through Dec 31, 2026. Do the math ## How much in fees you won't pay through Dec 31, 2026 Enter how much you sell by card each month and what you pay today. The result is approximate. Card sales per month €20 000 Average order €60 What you pay per card payment today The fee you won't pay through Dec 31, 2026 - Fee today, per month- With CloudCart Pay, per month€0 Months until Dec 31, 2026- 1.9% + €0.25 is the Shopify Payments rate on the Basic plan (shopify.com/pricing, Sep 29, 2026). Choose the rate you pay. More paid orders, less waiting ## Why pay a cash on delivery fee Many customers choose cash on delivery (COD), then pay the courier by card or at the parcel locker. You pay the COD fee and wait for the money. When they pay by card on the site, the order is paid right away. 38% of payments in the first hours of Black Friday 2025 at eMAG were by card, up from 33% a year earlier (eMAG, Nov 14, 2025). Cash on delivery- ✕ Cash on delivery fee - ✕ Money arrives after delivery - ✕ The customer can refuse the parcel CloudCart Pay- €0.00 fee through Dec 31, 2026 - Money in your account in 2 to 5 days - The order is paid on the site The cash on delivery fee depends on your courier agreement. Cash on delivery and bank transfer stay if you want them. ## What you get with CloudCart Pay One-touch payment, a zero fee until the end of the year and the money in your own account. ### Apple Pay and Google Pay straight from the product The customer taps Apple Pay or Google Pay on the product page and pays with one touch. They don't type card details or go through the cart. The address and shipping details come from the phone. - Express button next to “Add to cart” - Signed-in customers save their card for next time - Works on phone and on desktop How: in the CloudCart Pay settings, turn on Apple Pay, Google Pay and fast payment from the product page. ### Transaction fee: €0 Through Dec 31, 2026, the transaction fee is 0%, whatever the card. No monthly fee. - Visa and Mastercard - Apple Pay and Google Pay - You see the fee on every payment in your admin Sample figures on the screen. From Jan 1, 2027 the standard rates below apply. ### Straight to your bank Payouts by SEPA to the account you enter at registration. You see transactions and payouts in the same admin panel. - Usually 2 to 5 business days - Payouts in 11 currencies: EUR, USD, GBP, CHF, PLN, RON, CZK, HUF, DKK, SEK, NOK - Refund a payment from the order, in full or in part ### Turn it on from your admin, no bank needed You don't sign an agreement with a bank. Registration is in the admin itself, in seven steps: account, business, representative, documents, consent, bank account and status. - No office visit: documents are uploaded as files - Stop and continue from the same step - The method turns on once you're approved Who can: businesses, including sole traders, and non-profit organizations. The account must be in the name of the business or the representative. ## No transaction fees through the end of 2026 Through Dec 31, 2026, the transaction fee is 0%, whatever the card. From Jan 1, 2027 the two rates below apply, depending on the customer's card. No monthly fee and no separate bank agreement. Consumer cards from the EEA0%through Dec 31, 2026From Jan 1, 2027: 1.29% + €0.05 per transaction, excl. VATConsumer Visa and Mastercard cards issued in the European Economic Area Business cards and cards from outside the EEA0%through Dec 31, 2026From Jan 1, 2027: 2.69% + €0.05 per transaction, excl. VATBusiness cards from the EEA and all cards issued outside the European Economic Area ## CloudCart Pay, Shopify Payments and a bank agreement Only verifiable facts, with a source and a date. | | CloudCart Pay | Shopify Payments | Bank agreement | | Card payment fee | 0% through Dec 31, 2026 | 1.9% + €0.25 (Basic plan) | Per the bank agreement | | Bank agreement | No | No | Yes | | Apple Pay and Google Pay | Yes, with one button | Yes | Depends on the bank | | The customer stays in the store | Yes, the form is built in | Yes | Depends on the bank | Shopify: shopify.com/pricing, checked on Sep 29, 2026. Bank agreements differ, which is why it says “per the agreement”. ## Secure for the customer, calm for you The card isn't stored with usCloudCart never stores card details, only a secure token for the card.Bank verificationThe customer's bank verifies the payment right in the form, without opening another page.Verified merchantsEvery business is checked before it accepts payments. That protects you and your customers. ## CloudCart Pay in your store Create your store€1/month for the first 3 months. Already a customer? Go to step 2.Register in your adminSettings → Payment methods → CloudCart Pay: business, documents and account.Turn on Apple Pay and Google PayAnd fast payment from the product page, with one button.Accept cards with no feeThrough Dec 31, 2026, and the money arrives in your account. Already on CloudCart? Turn it on in your admin: Settings → Payment methods → CloudCart Pay. /admin/payment-providers/cloudcart_pay/onboarding[Open CloudCart Pay in your admin →](https://my.cloudcart.com/login) ## Everything you need to sell, in one place Your store is €1/month for the first 3 months. CloudCart gives you more tools to help you sell alongside it. [Aura Chat An AI salesperson that answers around the clock and sells from your catalog. See more →](https://cloudcart.com/en/offer/aura-chat)[Aura Search AI search that finds the product even with a typo. From €9/month. See more →](https://cloudcart.com/en/offer/aura-search)[CloudCart Pay Cards, Apple Pay and Google Pay with a 0% fee through Dec 31, 2026. This page](https://cloudcart.com/en/offer/cloudcart-pay)[AI assistant Claude, ChatGPT and others manage your store with a single sentence. See more →](https://cloudcart.com/en/offer/ai)[CloudCart Admin Orders from your phone: statuses, shipping labels and notifications. €0. See more →](https://cloudcart.com/en/offer/admin-app)[Migration From another platform for €0 with a 24-month contract. See more →](https://cloudcart.com/en/offer/online-store-migration) ## Have a store on another platform? We migrate it for €0 with a 24-month contract: your products, customers and Google rankings, within 45 days, without interrupting sales. [Explore migration](https://cloudcart.com/en/offer/online-store-migration) ## Or build your store with your AI assistant Claude Code, ChatGPT Codex, Cursor, VS Code or Gemini CLI build your store step by step: products, categories, descriptions and settings. Write in English. - Register your store Registration takes a minute, with the same offer. - Get an access key In the admin: bottom-left menu → “PAT tokens” → new key. - Paste the sentence into your assistant It asks about your goal and guides you step by step. Give it the key and your store’s address. [How it works with each assistant →](https://cloudcart.com/en/offer/ai) The sentence for your AI assistant Fetch and follow the instructions at https://raw.githubusercontent.com/cloudcart/ai-toolkit/main/prompt.md to set up my AI agent for CloudCartThe assistant will talk to you in your language. ## Merchants who have already made the move A retail chain, a sports brand, a football club, a pastry shop. See what they say and what their stores look like. 4,4★★★★★on Google from 158 reviews Hear from the owners themselves. Click a story to watch it. Real stores. Open them and browse as a customer. [fanshop.levski.bg](https://fanshop.levski.bg/)[sportbox.bg](https://sportbox.bg/)[dabov.coffee](https://dabov.coffee/)[zora.bg](https://zora.bg/)[vinoimeze.bg](https://vinoimeze.bg/)[serendipity.jewelry](https://serendipity.jewelry/)[aurabody.bg](https://aurabody.bg/)[eandm.bg](https://eandm.bg/)[myhomeandgarden.bg](https://myhomeandgarden.bg/)[visvitalis.bg](https://visvitalis.bg/)[owllee.com](https://owllee.com/)1,500+stores sell with CloudCart. Yours could be next. Some of the brands selling with CloudCart. ## A Bulgarian team with 10 years of ecommerce experience Stores on CloudCart sold €550 million over the last 12 months. The team is based in Sofia, knows the market and stays with you after launch. A team in SofiaA dedicated point of contact10 years of experienceHonest recommendations Questions ## Questions about CloudCart Pay 01 / 09 ### How much does CloudCart Pay cost? Through Dec 31, 2026, the fee on card payments is 0%, whatever the card. From Jan 1, 2027: 1.29% + €0.05 for consumer Visa and Mastercard cards from the EEA and 2.69% + €0.05 for all other cards, excluding VAT. There is no monthly fee. 02 / 09 ### Do I need an agreement with a bank? No. You register from your store admin, go through seven steps and, once approved, turn the method on. There are no keys to enter and no separate integration. 03 / 09 ### Who can use CloudCart Pay? Businesses, including sole traders, and non-profit organizations. You need the representative's ID, the business registration document and a bank account in the name of the business or the representative. 04 / 09 ### When does the money arrive? In your bank account via SEPA, usually 2 to 5 business days after the payment. You can also add an account for another currency. 05 / 09 ### What can customers pay with? Visa, Mastercard, Apple Pay and Google Pay. The form is built into checkout, and Apple Pay and Google Pay can also appear on the product page. 06 / 09 ### Is it secure? Yes. CloudCart does not store card details, only a secure token for the card. The customer's bank verifies the payment right in the form. 07 / 09 ### Can I refund a payment? Yes. From the order page, in full or in part. The money goes back to the customer's card, and the payment status updates on its own. 08 / 09 ### Do cash on delivery and bank transfer stay? Yes. CloudCart Pay is one more way to pay, alongside cash on delivery (COD), bank transfer or installments. You decide what to offer. If you prefer a bank agreement, card payments through DSK Bank and Borica stay available too. 09 / 09 ### Which plan is it on? On all CloudCart plans. ## 0% fee on cards through Dec 31, 2026 Create your store for €1 per month for the first 3 months and turn on CloudCart Pay from day one. [Create a store for €1](https://my.cloudcart.com/register)