1.7%. Not 2.9%. The math is the product.

1.7% + EUR 0.15 per successful transaction. This applies to all major cards including Visa, Mastercard, and Amex. No monthly fee, no setup fee, no hidden charges.

Standard payout schedule is T+2 business days. EU bank accounts (SEPA) settle in EUR. Faster payouts available on Pro and Scale plans.

Nokumo Pay is available for properties in Croatia, Slovenia, Austria, Germany, Italy, and the Netherlands. Additional markets are being added throughout 2026.

No. Nokumo Pay works through a digital payment link or the built-in checkout in the direct booking engine. No hardware required.

Yes. Card data is tokenised via Stripe's PCI DSS Level 1 certified infrastructure and never touches Nokumo servers. Your property has zero PCI compliance burden.

Most PMS payment integrations route through a middleware layer that adds its own markup. Nokumo Pay connects directly to Stripe, so you pay 1.7% + EUR 0.15 per transaction with no middleware fee, no monthly fee, and no setup fee — the rate you see is the rate you pay.

Yes. Every successful payment triggers an automatically fiscalised receipt via ePorezna in Croatia or FURS in Slovenia, where fiscalisation applies. Your guest gets a compliant receipt immediately and your fiscal records stay complete without any manual issuing step at the desk.

All major cards — Visa, Mastercard, and American Express — are covered by the same flat 1.7% + EUR 0.15 rate, with no higher-tier card surcharges. Payment links are generated from any reservation, so guests can pay online before arrival or at checkout.

EU bank accounts settle in EUR via SEPA on a standard T+2 business-day schedule. Multi-currency billing is supported for cross-border properties, and faster payout cycles are available on Pro and Scale plans if cash flow matters to your operation. Confirm your settlement currency during onboarding so the first payout already matches your accounting setup.

Nokumo Pay is a product inside the Nokumo platform, which is what makes the fiscal receipt automatic — the payment event and the fiscalisation event are the same system. It is not sold as a standalone gateway, and there is no separate gateway subscription to stack on top.

The reservation stays intact and the payment is flagged for retry or an alternative payment method — the guest can complete payment through a fresh link. Front-desk staff see the outstanding amount clearly on the reservation, so declined cards never silently become no-shows or unpaid folios.