Payment gateways
for Malta websites.

If your shop runs on Shopify, start with Shopify Payments. It is available to businesses in Malta, it is built into the checkout, and using another card gateway on Shopify adds an extra Shopify transaction fee on each order.

If your website runs on WordPress, WooCommerce or a custom build, Stripe is the usual first choice: no setup or monthly fee, clear fees per payment, Apple Pay and Google Pay, and it works with almost every platform. Add PayPal as a second button if many of your buyers are abroad or prefer it.

If you want everything with your bank, a Maltese bank gateway such as BOV SmartPay, or Revolut Business if you already bank with Revolut, keeps payments and your account in one place. Bank gateways are quoted and approved per business, so ask early, because the approval takes longer than signing up to Stripe.

If you only need to send the odd invoice or deposit request, you may not need a gateway on your website at all: a payment link from Stripe, PayPal or your bank, sent on WhatsApp or email, is enough.

The fees below are the standard rates listed on each provider’s Malta pages when we checked them on 28 October 2026, before VAT where it applies. Providers change their prices, can offer custom rates to larger businesses, and charge more for some cards, so check the current page before you decide. What matters most for a small shop is the fee on a normal EU card, because that is what most customers in Malta pay with.

1. Your platform. Make sure the gateway has an official plugin or built-in support for your website platform, including Apple Pay and Google Pay. On Shopify, check the extra fee for third-party gateways on your plan.

2. The fee on a normal EU card. Compare the fee most of your customers will actually pay, then look at premium, business and non-EU cards if you sell to tourists or abroad.

3. Payout time and currency. How many days until the money is in your account, and whether you are paid in euro without a conversion.

4. Refunds and disputes. How refunds work, whether the original fee is returned, and the fee for a dispute. Keep proof of delivery for every order.

5. Who owns the account. Open the account in the business’s name, with an email you control, and add your web designer as a user, never the other way round.

6. What the bank or provider requires on your website. Gateways check your website before approving you. Expect to need clear prices with VAT, delivery and refund policies, terms and conditions, a privacy policy and your business details. Payment links from some banks also have their own rules, such as sending each link only to the intended customer.

7. Accounting. Check that payouts can be matched to orders, or that the gateway connects to your accounting software, so your accountant is not reconciling lump sums by hand.

We start with how you sell: what you sell, the average order, whether customers are in Malta, abroad or both, and whether you need deposits, payment links or a full checkout. Then we recommend the gateway or the pair of gateways that fits, help you open the account in your business’s name, and connect it to the website with Apple Pay and Google Pay, order emails and proper refund handling.

Before launch we test real payments on a phone, including the bank confirmation step, a refund and a failed card, and we make sure the website has the policies the gateway and EU rules ask for. We can also connect the Meta Pixel and Conversions API so you see which ads bring paid orders. Online stores are quoted after a short call; our ready-to-launch websites start from €990, excluding VAT, and do not include a shop or a payment gateway.