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A Hungarian webshop needs HUF + SimplePay. A Hungarian fintech with EU ambitions needs Stripe + SCA. An experiment wants Revolut Business (zero-integration speed). This is the real-money breakdown of how each plays in production.

SimplePay (OTP)

The default for any Hungarian consumer webshop. Native HUF, BankKártya support, integrates with every ShopRenter / Shopify theme. Fee: ~1.5% + 30 HUF per successful transaction. Integration: a day if you've done it before; four days if not.

SimplePay 3DS handling is finicky · the v2.1 API requires server-signed IPN, not client confirmation. If your framework defaults to client-side POST, you'll get silent failures.

Stripe

The EU default for scale. Native SCA + 3DS 2.x, Stripe Billing for subscriptions, Stripe Connect for marketplaces. HUF supported but not first-class · reconciliation to Hungarian accounting takes extra lift. Fee: 1.4% + €0.25 for EEA cards, 2.9% + €0.25 for non-EEA.

Barion

Hungarian alternative to SimplePay, with e-wallet + card. Better developer docs than SimplePay, cleaner API. Not as ubiquitous in consumer trust · users see SimplePay more often and trust it reflexively. Fee: ~1.1% + 15 HUF per card tx.

Revolut Business

Zero-integration option: generate a payment link, send via email, no embed. Good for B2B invoicing, coaching, consulting. Not appropriate for consumer checkout.

Fee math · €50 HUF webshop tx

  • SimplePay: ~80 HUF fee (0.4%)
  • Barion: ~65 HUF fee (0.32%)
  • Stripe EEA card: ~345 HUF fee (1.72%)
  • Revolut Business link: ~100 HUF (2% + 35 HUF)

Which we recommend

  • Hungarian consumer webshop < 50M Ft/mo: SimplePay default, Barion for B2B alternative.
  • Hungarian fintech targeting EU: Stripe primary + SimplePay for HUF-first retail tier.
  • SaaS subscription: Stripe Billing end-to-end.
  • Marketplace with sellers: Stripe Connect (no Hungarian alternative at scale).
  • One-off B2B / invoice: Revolut Business payment links · 2-minute setup.

Always dual-wire SimplePay + Stripe on Hungarian retail. When one gateway has an outage (it happens 2-3× a year with SimplePay), Stripe catches the traffic. 3-5% revenue saved per incident.

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Dezső Mező

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Dezső Mező

Founder, DField Solutions

I've shipped production products from fintech to creator-tooling · for startups and enterprises, from Budapest to San Francisco.

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