Merchant acquiring in Ukraine in 2026: comparison, rates, API, documents, and reviews

Online acquiring in Ukraine in 2026 is a competitive market with a base fee of 1.3-3% for card acceptance. The main players are: plata by mono (1.3% / 2% for foreign cards, one-day setup for sole proprietors), WayForPay (a universal solution for businesses, powerful API, anti-fraud), LiqPay by PrivatBank (the king of e-commerce, Apple/Google Pay), Rozetka Pay (low rates, installment payments, payouts at Rozetka locations), NovaPay (acquiring + Nova Poshta logistics in one flow), Portmone (the first with PCI DSS, a market veteran), Fondy (for businesses in the EU).

Important: Fondy no longer operates in the Ukrainian market — the main alternative has become plata by mono. Almost all providers support euro cards issued by foreign banks (at a rate of ~2%). This article provides a detailed comparison of fees, verification complexity, required document packages, API/CMS integrations, and real user reviews for each provider.

Disclaimer: This material is for informational purposes only. Fees, terms, and the list of required documents may change — please verify the latest details on the providers’ official websites. For large transaction volumes, fees are usually negotiated individually.

What You Need to Know About Acquiring in Ukraine in 2026

• Base fee: 1.3-3% per transaction (for high volumes — custom rates)
• Cards from Ukrainian banks: usually ~1.3-2%
• Cards from foreign banks (euro cards): usually ~2-3% — almost all providers accept them
• Connection speed: from 1 day (plata by mono for sole proprietors) to 5-15 days (classic aggregators)
• Fondy no longer operates in the Ukrainian market — most have switched to plata by mono
• NovaPay leads in transfers (22.7% market share, 3,600 branches), launched acquiring + logistics
• Rozetka Pay — acquiring from Ukraine’s largest marketplace with installment payments
• Fiscalization (PRRO) is required by law — keep this in mind when connecting
• API + ready-made plugins for WordPress/WooCommerce, OpenCart, Shopify, etc.

The key shift of 2026: after Fondy’s exit, the market was reshaped. plata by mono became the go-to choice for small businesses, NovaPay and Rozetka Pay added unique “ecosystem” features (logistics, installment payments), while WayForPay and LiqPay remain powerful all-rounders.

What acquiring is

Acquiring is a banking service that allows businesses to accept cashless payments by card (Visa, Mastercard, PROSTIR), via Apple Pay, Google Pay, QR codes, and payment links.

Types of acquiring

Type	What it is	Who it is for
Internet acquiring	Accepting payments on a website/in an app	Online stores, SaaS, services
Merchant (POS)	Physical terminal in a store	Retail, cafés, offline locations
Mobile	Acceptance via smartphone/tablet	Couriers, mobile trade
QR acquiring	Payment by scanning a QR code	Small businesses, markets

This article focuses on internet acquiring — the most in-demand option for online businesses.

How it works (simplified)

1. The customer on the website clicks “Pay by card”
2. The card details are sent to the payment gateway (securely, in compliance with PCI DSS)
3. The issuing bank (the bank that issued the card) confirms the payment via 3D Secure
4. The funds are credited to the business account (minus the fee)
5. A fiscal receipt is generated (PRRO)

Acquiring ≠ bank

Many people confuse the two. A payment system (acquirer) is an intermediary that enables the movement of money. This can be a bank (Monobank, PrivatBank) or a non-bank financial institution (NovaPay, WayForPay).

Quick comparison

Main table — all providers with key parameters for 2026:

Provider	Fee (UA cards)	Foreign cards	Connection speed	Best suited for
plata by mono	~1.3%	~2%	1 day (sole proprietor)	Small business, Shopify
WayForPay	~1.5-2.75%	~2.75%+	1-5 days	Universal, MID/large business
LiqPay	~1.5%	~2.75%	1-3 days	E-commerce, PrivatBank
Rozetka Pay	low	yes	3-7 days	Stores, installment payments
NovaPay	negotiable	⚠️ limited*	3-7 days	Businesses with Nova Poshta delivery
Portmone	~2-2.75%	yes	3-7 days	Subscriptions, utility payments, B2B
EasyPay	cost-effective	yes	3-7 days	Offline + online

Important: exact fees depend on turnover, business type, and individual negotiations. The listed rates are approximate public rates. For turnover from UAH 500K/month, you can almost always get an individual rate lower than the base one.

*About NovaPay and foreign cards: according to user reviews, NovaPay is focused primarily on the domestic Ukrainian market (its ecosystem is built around Nova Poshta delivery). Acceptance of foreign bank cards on NovaPay works inconsistently: there are real cases where payment with a European card was declined with an error, while the same card went through on Rozetka Pay or LiqPay without any issues. If a significant share of your customers are from abroad, do not rely on NovaPay alone to accept foreign cards: check current support with their manager and always keep backup acquiring in place (Rozetka Pay, LiqPay, plata by mono).

plata by mono

plata by mono (formerly MonoPay) is an internet acquiring service from Monobank. After Fondy’s exit, it became the people’s number one choice for small businesses and Shopify stores.

Fees

• 1.3% when paying with cards from Ukrainian banks
• 2% when paying with cards from foreign banks (from December 1, 2022)
• Accepts Visa and Mastercard from any banks (not just Monobank!)
• Apple Pay, Google Pay — included

Who it is suitable for

✅ Small and medium-sized businesses — simplicity and speed
✅ Shopify stores — the main alternative to Fondy
✅ Sole proprietors — connection directly in the Monobank app
✅ Startups — minimal bureaucracy

How to connect

For sole proprietors (the fastest way):

1. Open a sole proprietor account in the Monobank app
2. In the app: “Add tool” → “Website payments”
3. Fill in your business details
4. Create an API token
5. Integrate it into your website — setup in 1 day

For companies: via the official website, with a manager.

API and integrations

• REST API (documentation: api.monobank.ua/docs/acquiring.html)
• Ready-made libraries on GitHub (PHP and others)
• Plugins for popular CMS platforms
• Integration with Horoshop, Shopify, WordPress

Pros and Cons

Pros:

• The fastest setup (1 day for sole proprietors)
• Low fee of 1.3%
• Minimal bureaucracy
• Monobank reliability

Cons:

• Fewer “corporate” features than WayForPay
• A sole proprietor/business account with Monobank is required (for the faster route)

WayForPay

WayForPay is a universal solution for accepting payments online and offline, aimed at small and medium-sized businesses. One of the most functional acquiring services with a Czech license and powerful anti-fraud protection.

Fees

• From ~1.5% (depends on turnover and business type)
• Foreign cards — higher
• For large volumes — individual rates

Key Features 2026

• Anti-fraud system — protection against fraudulent transactions
• Recurring payments (subscriptions) — the first payment at the specified price, followed by automatic charges
• Product variations with separate images
• WayForPay_Bot — payment notifications in Telegram (to multiple recipients)
• Fiscalization (PRRO) — support for product barcodes
• Apple Pay, Google Pay, installment payments

API and integrations

• Powerful REST API — one of the best on the market
• Ready-made modules: WordPress/WooCommerce, OpenCart, PrestaShop, Magento, Tilda, and others.
• One-day integration for standard CMS platforms
• Detailed analytics and reporting

Who it is suitable for

✅ Medium and large businesses that need flexibility
✅ Subscription-based businesses (SaaS, services)
✅ Stores with a large product range
✅ Those for whom anti-fraud is important at high volumes

Pros and cons

Pros:

• Powerful API and extensive integrations
• Anti-fraud, recurring payments
• Versatility (online + offline)
• Czech license (trust)

Cons:

• Setup takes longer than with plata by mono
• Fees may be higher for small businesses
• The interface is more complex for beginners

LiqPay

LiqPay is a payment service from PrivatBank, known for its ease of integration and extremely widespread use among Ukrainian online stores. The “king” of online acquiring in Ukraine.

Fees

• ~1.5% for cards issued by Ukrainian banks
• ~2.75% for foreign cards
• Visa, Mastercard, PROSTIR
• Apple Pay, Google Pay

Key Features

• Simplest integration — button/widget in minutes
• Recurring payments and subscriptions
• Invoices by email and payment links
• Ready-made plugins for all popular CMS platforms
• Deep integration with the PrivatBank ecosystem

Who it is suitable for

✅ Online stores of any size
✅ Businesses with an account at PrivatBank — convenient fund withdrawals
✅ Beginners — simple “button” integration
✅ Those who want a time-tested solution

Pros and cons

Pros:

• Very simple integration
• Widespread adoption (buyer trust)
• PrivatBank reliability
• Good support for Apple/Google Pay

Cons:

• The fee for foreign cards is above average (~2.75%)
• Occasional complaints about support response speed
• Tied to the Privat ecosystem

Rozetka Pay

Rozetka Pay is an internet acquiring service from Rozetka, Ukraine’s largest marketplace. It stands out for its integration with the Rozetka ecosystem and low fees.

Fees and features

• Acceptance of Visa, Mastercard, PROSTIR cards
• Apple Pay, Google Pay, payment links
• Installment payments from leading banks in Ukraine
• Cash on delivery when delivered to Rozetka pickup points
• Low commission rate (one of the advantages)
• Subscription billing, QR payments, electronic invoices

API and integrations

Rozetka Pay offers flexible integration options:

• API
• PHP SDK
• Plugins for CMS: WordPress+WooCommerce, PrestaShop, OpenCart, OkayCMS, Weblium, Magento 1&2, Joomla, Drupal Commerce 2, MODX

Who It’s Suitable For

✅ Online stores, especially those working with Rozetka
✅ Businesses for which installment payments are important (this increases conversion)
✅ Those who want low fees
✅ Stores with delivery through Rozetka pickup points

Pros and Cons

Pros:

• Low fees
• Installment payments are a powerful conversion tool
• A wide range of ready-made CMS plugins
• The Rozetka ecosystem (trust, delivery)

Cons:

• According to reviews, buyers sometimes have issues linking their cards
• Support may respond slowly
• Less mature than LiqPay/WayForPay

NovaPay

NovaPay is a payment service from the Nova Poshta group. The first non-bank financial institution in Ukraine to issue payment cards. A market leader in money transfers (22.7%, 3,600 branches), and now also a major player in acquiring.

Unique feature: payments + logistics

NovaPay Checkout is a service that combines payment and logistics functionality in one solution. The client can:

• Pay for the product
• Arrange Nova Poshta delivery right away
• Choose a branch directly on the store’s website

This is a killer feature for Ukrainian e-commerce, where Nova Poshta is the standard for delivery.

Opportunities 2026

• CRM integration (new for 2026) — payment processing directly from the CRM, statements without manual uploads, payment link generation
• “Comfortable” product — mass payouts to individuals without opening an account (for marketplaces, partner payouts)
• ~2.5 million transactions per day
• Issuance of virtual cards

API and integrations

• Two APIs: Internet acquiring + “Comfortable” (mass payouts)
• Documentation: novapay.readme.io
• Integrations with CRM systems
• Connection to online stores

Who it is suitable for

✅ Online stores with Nova Poshta delivery (most of them in Ukraine!)
✅ Marketplaces — mass payouts to sellers
✅ B2B businesses with a high volume of transactions
✅ Businesses that need a single payment+delivery flow

Pros and cons

Pros:

• Unique payment + logistics bundle
• Huge network (3,600 branches)
• Mass payouts (“Comfortable”)
• CRM integration

Cons:

• Works best specifically in combination with Nova Poshta
• Rates are negotiated individually (there is no simple public rate)
• Setup takes time
• Unstable acceptance of foreign cards

Portmone

Portmone is one of the oldest and most recognizable brands on the market. The first in Ukraine to receive PCI DSS certification. Focused on utility payments, subscriptions, and apps.

Features

• A wide range of payment services (individuals + businesses)
• Recurring payments and subscriptions
• BankPay — a new payment method
• Strong in utility bill payments
• PCI DSS Level 1 (the highest security level)

Who It’s Suitable For

✅ Businesses with recurring payments/subscriptions
✅ Service companies (utilities, services)
✅ B2B with invoicing
✅ Those who value proven reliability

Pros and Cons

Pros:

• Market veteran (trust)
• First PCI DSS — high security
• Strong in subscriptions and bills

Cons:

• The interface looks outdated
• The fees are not the lowest
• Fewer “trendy” integrations

Fondy and EasyPay

Fondy — important warning

Fondy NO longer works for accepting payments in Ukraine (as of 2026). It used to be a popular choice for Shopify stores with Apple/Google Pay support, but the service has ceased operations in the Ukrainian market.

If you see Fondy recommended for Ukraine in older guides, that information is outdated. The alternative is plata by mono.

Fondy may still be relevant for businesses registered in the EU and working with Western clients — it has a high payment approval rate in Europe.

EasyPay

EasyPay is a system focused on offline payments (19,000 terminals, 1 million users, cashback), but it also offers internet acquiring.

• Visa, Mastercard, PROSTIR
• Apple Pay, Google Pay, payment links
• Strong offline
• Cost-effective rates (according to their statement)

Suitable for businesses that operate both online and offline.

Euro cards

This is an essential section for those who work with foreign clients (for example, if your audience is Ukrainians in the EU or freelancers with overseas buyers).

Who accepts foreign cards

Almost all Ukrainian acquiring providers accept cards from foreign banks (Visa/Mastercard issued abroad, including euro cards). The difference is in the fee:

Provider	Fee for foreign cards
plata by mono	~2%
LiqPay	~2.75%
WayForPay	~2.75%+
Fondy (for EU businesses)	high approval rate for Europe

Important nuances with foreign cards

⚠️ Approval rate — foreign banks are more likely to decline payments to Ukrainian acquiring providers (due to risk policy). If you have many overseas clients, this is a problem.

⚠️ Settlement currency — most Ukrainian acquiring providers credit funds in hryvnia (with conversion at the exchange rate). If you want to receive funds in euros, you need a solution with a multi-currency account.

What to do if you have many euro clients

If your business is focused on Western clients and accepts many euro cards:

1. Fondy (for EU-registered businesses) — high approval rate
2. Stripe / PayPal — but they require a company in a supported country (not Ukraine directly)
3. Setup with a European business — UK Ltd or EU company + Stripe
4. Crypto acquiring (stablecoins) — for certain niches

For accepting payments from Western clients, a European company + Stripe is often the best option rather than Ukrainian acquiring. Learn more about related tools in the articles on KAST and SWIFT transfers.

Documents

What set of documents is required to connect internet acquiring in Ukraine.

Basic package (for everyone)

• Sole proprietor or legal entity documents (extract from the Unified State Register, certificate)
• Passport + TIN of the director/sole proprietor
• Bank account details (IBAN)
• Working website (with required pages — see below)
• KVED (business activity types must correspond to the goods/services)

Required pages on the website

Acquirers check whether the website complies with the requirements. The following must be included:

• ✅ Public Offer / Terms of Use
• ✅ Privacy Policy (Privacy Policy)
• ✅ Refund and Exchange Policy (Refund Policy)
• ✅ Delivery Terms (Delivery)
• ✅ Contact Information (sole proprietor/legal entity details, phone, email)
• ✅ Description of goods/services with prices
• ✅ Payment system logos (Visa, Mastercard)

Common reason for rejection: the absence of these pages or a mismatch between the business activity codes and the actual goods. Prepare everything in advance.

Additionally (they may request)

• Lease agreement/right to the goods
• Financial statements (for large turnover)
• Product certificates (for regulated niches)
• Description of the business model (for unusual niches)

Features by provider

• plata by mono: minimal paperwork, everything through the app (a sole proprietor account with Monobank is required)
• WayForPay/LiqPay: standard package + website review
• NovaPay/Rozetka Pay: standard package + review may be required for their ecosystem

Verification

The complexity of the review and verification procedure is one of the main factors when choosing.

Verification complexity comparison

Provider	Complexity	Timeframe	Features
plata by mono	⭐ Very easy	1 day	Through the app, minimal bureaucracy
LiqPay	⭐⭐ Easy	1-3 days	Especially easy for PrivatBank clients
WayForPay	⭐⭐⭐ Moderate	1-5 days	Thorough website review + anti-fraud setup
Rozetka Pay	⭐⭐⭐ Moderate	3-7 days	Review for ecosystem compatibility
NovaPay	⭐⭐⭐ Moderate	3-7 days	Contract-based terms
Portmone	⭐⭐⭐ Moderate	3-7 days	Standard procedure

What acquirers check

1. Business legality — registration of a sole proprietorship/legal entity, KVED
2. Website compliance — all required pages, real products
3. Prohibited niches — gambling, weapons, illegal goods (rejection)
4. Risk scoring — assessment of the likelihood of chargebacks and fraud
5. Projected turnover — to determine the pricing plan

Prohibited/high-risk niches

Most acquirers will refuse or require special terms for:

• Gambling, betting
• Pharmaceuticals, dietary supplements (partially)
• 18+ content
• Currency/crypto exchange (special requirements)
• Tobacco, alcohol (regulated)
• Financial services, forex

How to speed up verification

✅ Prepare all website pages in advance
✅ Check the KVED code against the actual products
✅ Fill out the application form without errors
✅ Stay available — managers often call to clarify details
✅ Have documents ready (passport scans, TIN, statements)

API and integrations

Technical capabilities are essential for developers and stores.

API and integration comparison

Provider	API	SDK	CMS plugins	Features
plata by mono	REST API	PHP and others (GitHub)	Main CMS platforms	Simple documentation
WayForPay	Powerful REST API	Several languages	WP, OpenCart, PrestaShop, Magento, Tilda	Best for developers
LiqPay	REST API	All popular ones	All major CMS platforms	Simplest “button”
Rozetka Pay	API	PHP SDK	WP, PrestaShop, OpenCart, OkayCMS, Weblium, Magento, Joomla, Drupal, MODX	Most plugins
NovaPay	2 APIs (acquiring + payouts)	—	CRM integrations	Payments + logistics
Portmone	API	—	Main CMS platforms	BankPay

Integration with popular platforms

WordPress + WooCommerce: All providers have ready-made plugins. Installation: install the plugin → enter the API keys → done (no programmer needed).

Shopify:

• plata by mono is the main choice for Ukraine (after Fondy’s exit)
• LiqPay, WayForPay
• Shopify Payments does not work in Ukraine directly

OpenCart, PrestaShop, Magento:

• WayForPay, LiqPay, Rozetka Pay — ready-made modules

Tilda:

• LiqPay, WayForPay — built-in integration

Custom-built websites:

• REST APIs of all providers (plata by mono and WayForPay have the most user-friendly documentation)

What matters for a developer

• Webhooks — payment status notifications (available with all providers)
• Request signing — security (HMAC, signature)
• Sandbox/test mode — for development
• Reporting API — transaction export
• Recurring payments — for subscriptions (WayForPay, LiqPay, Portmone)

Reviews

Real user reviews — what people say in practice (summarized from open sources).

plata by mono

👍 Praised for:

• Fast setup, low fees
• Reliability, convenience in the Monobank app
• The main alternative to Fondy for Shopify

👎 Criticized:

• Fewer corporate features
• Integration with Monobank

WayForPay

👍 Praised for:

• Powerful functionality, anti-fraud
• Good API, many integrations
• Recurring payments work reliably

👎 Criticized:

• More difficult for beginners
• Fees may be higher for small businesses

LiqPay

👍 Praised for:

• Simplest integration
• High customer trust (brand recognition)
• Stability

👎 Criticized:

• The fee for foreign cards is high
• Support response times are sometimes slow

Rozetka Pay

👍 Praised for:

• Low fees
• “Installment payments” increase sales
• Many CMS plugins

👎 Criticized for:

• Some buyers experience issues linking their cards
• Support responds slowly
• Lower product maturity

NovaPay

👍 Praised for:

• Payment + delivery bundle
• Huge network, strong brand recognition
• Convenient for stores using NP

👎 Criticized for:

• Works best only in combination with Nova Poshta
• Contract-based rates (lack of transparency)
• Unstable acceptance of foreign cards

Overall conclusion based on reviews: for small businesses, the leaders are plata by mono (simplicity) and LiqPay (widespread adoption). For medium-sized and large businesses — WayForPay (functionality). For stores with Nova Poshta delivery — NovaPay. Rozetka Pay offers good rates, but still feels somewhat raw.

How to Choose

Final recommendations for different types of businesses.

By business type

Your business	Recommendation
Startup/small store	plata by mono (fast, cheap)
Online store (all-purpose)	LiqPay or WayForPay
Store with Nova Poshta delivery	NovaPay (payments + logistics)
I want installment payments	Rozetka Pay
Subscriptions/SaaS	WayForPay or Portmone
Medium/large business	WayForPay (API, anti-fraud)
Western customers (euro)	EU company + Stripe / Fondy
Online + offline	EasyPay or WayForPay

Main selection criteria

1. Commission — for low turnover, the difference is not significant; for high turnover, negotiate an individual rate
2. Connection speed — plata by mono is the leader
3. API/integrations — WayForPay and Rozetka Pay (more plugins)
4. Security — PCI DSS, anti-fraud, 3D Secure (available with all top providers)
5. Foreign cards — if you have international clients
6. Support — essential when payment issues arise

Pro strategy: multiple acquiring providers

The best approach is to connect 2–3 providers at the same time:

• Primary (plata by mono or LiqPay)
• Backup (WayForPay)
• Special (NovaPay for delivery / Rozetka Pay for installment payments)

This provides fault tolerance (if one is not working, another one processes the payment) and a higher approval rate (different banks approve differently).

Frequently Asked Questions FAQ

Which acquiring service is the best in Ukraine in 2026?

There is no universal answer — it depends on the business. For small businesses and Shopify, the best choice is plata by mono (1.3%, setup in one day). For online stores — LiqPay (simplicity, widespread use) or WayForPay (features, API). For stores with Nova Poshta delivery — NovaPay (payments + logistics). For installment payments — Rozetka Pay. Professionals often connect 2–3 providers for fault tolerance.

What is the commission for internet acquiring in Ukraine?

The base commission is 1.3-3% per transaction. plata by mono: 1.3% (Ukrainian cards) / 2% (foreign cards). LiqPay: ~1.5% / 2.75%. WayForPay: from ~1.5%. For turnover from UAH 500K/month, you can negotiate an individual rate below the base one. The commission is always paid by the seller (business); the buyer pays only the purchase amount.

Which acquiring services accept foreign (euro) cards?

Almost all Ukrainian acquiring services accept cards from foreign banks: plata by mono (~2%), LiqPay (~2.75%), WayForPay (~2.75%+). But there are nuances: foreign banks more often decline payments to Ukrainian acquirers (risk policy, lower approval rate), and funds are usually settled in hryvnia. If the business is aimed at Western clients, an EU company + Stripe or Fondy for the EU is a better option.

Does Fondy operate in Ukraine in 2026?

No, Fondy no longer works for accepting payments in Ukraine. It used to be a popular choice for Shopify stores, but the service has stopped operating in the Ukrainian market. The main alternative is plata by mono from Monobank. Fondy may still be relevant for businesses registered in the EU and working with Western clients.

How quickly can acquiring be connected?

It depends on the provider. The fastest is plata by mono: for sole proprietors, setup takes 1 day directly through the Monobank app. LiqPay — 1-3 days. WayForPay — 1-5 days. Rozetka Pay, NovaPay, Portmone — 3-7 days. The speed depends on document readiness and whether the website meets the requirements (presence of terms of offer, privacy policy, return terms).

What documents are needed to connect acquiring?

The basic package: sole proprietor/legal entity documents (extract from the Unified State Register), passport + tax ID, bank account details (IBAN), a working website with required pages (terms of offer, privacy policy, return and delivery terms, contacts), and the relevant KVED code. For plata by mono, everything is simpler — through the Monobank app. For large turnover, financial statements may be requested.

Which pages are required on a website for acquiring?

Acquirers check for the presence of: a public offer/terms of use, privacy policy, return and exchange terms, delivery terms, contact information (business details, phone, email), product descriptions with prices, and payment system logos. The absence of these pages is a common reason for rejection during setup. Prepare them in advance.

What is NovaPay Checkout?

NovaPay Checkout is a service from Nova Poshta that combines payment and logistics in one flow. On the store’s website, the customer can pay for the product and immediately arrange Nova Poshta delivery by selecting a branch directly on the payment page. This is a killer feature for Ukrainian e-commerce, where Nova Poshta is the standard delivery option. NovaPay also offers the “Comfortable” product for mass payouts to individuals.

Can acquiring be connected without a programmer?

Yes. All major providers (plata by mono, LiqPay, WayForPay, Rozetka Pay) have ready-made plugins for popular CMS platforms (WordPress/WooCommerce, OpenCart, PrestaShop, Tilda, Shopify). Installation: install the plugin → enter the API keys → done. A programmer is not required. For custom-built websites, a developer and REST API integration are needed.

Which acquiring service is the best for Shopify in Ukraine?

After Fondy’s exit, the main choice for Shopify in Ukraine is plata by mono from Monobank. It allows you to accept cards from any banks (Visa, Mastercard), not just Monobank. LiqPay and WayForPay can also be used. Important: Shopify Payments does not officially operate in Ukraine — it can only be used if you have a company in a supported country (EU, USA).

What is fiscalization (PRRO), and is it needed?

PRRO (software registrar of settlement transactions) is the legally required fiscalization of payments under Ukrainian law. When accepting payment, a fiscal receipt is generated, and its data is transmitted to the tax authorities. Most acquiring services (WayForPay and others) support integration with PRRO. If you accept payments legally as a sole proprietor/legal entity, fiscalization is required, so take this into account during setup.

What is PCI DSS, and why is it important?

PCI DSS (Payment Card Industry Data Security Standard) is an international security standard for payment card data. PCI DSS certification means that the provider securely processes and stores card data. Portmone was the first in Ukraine with PCI DSS. All top acquiring services comply with this standard. This matters for businesses because you do not store card data yourself (the certified acquirer does), reducing your risks and liability.

Can several acquiring services be used at the same time?

Yes, and this is the recommended strategy for serious businesses. Connecting 2-3 providers gives you: fault tolerance (if one is not working, another one processes the payment), a higher overall approval rate (different banks approve payments differently), and flexibility (special features of each one — for example, NovaPay for delivery, Rozetka Pay for installment payments). The downside is more setup and support.

Conclusion

The internet acquiring market in Ukraine in 2026 is mature and competitive. After Fondy’s exit, it has been reshaped: plata by mono became the popular choice, ecosystem players (NovaPay, Rozetka Pay) added unique features, while WayForPay and LiqPay remain powerful all-rounders.

Main takeaways:

✅ plata by mono — best for getting started (1.3%, setup in one day, Shopify)
✅ LiqPay — the king of e-commerce, simple integration, high trust
✅ WayForPay — a powerful all-rounder with the best API and anti-fraud
✅ NovaPay — a unique combination of payment + Nova Poshta delivery
✅ Rozetka Pay — low rates + installment payments
✅ Portmone — a veteran for subscriptions and B2B
⚠️ Fondy does not operate in Ukraine — use plata by mono
🌍 Euro cards are accepted by almost everyone (~2-2.75%), but for Western clients, EU + Stripe is better

Recommendation for most businesses:

1. For beginners: plata by mono (fast and cheap)
2. For stores: LiqPay or WayForPay + NovaPay for delivery
3. For established businesses: WayForPay (primary) + a backup provider
4. For businesses working with the EU: a European company + Stripe

The main thing when choosing is to prepare your website (all required pages), verify your business activity codes, and not be afraid to connect multiple providers for reliability. Acquiring is the foundation of online sales, and the right choice directly affects your conversion rate and the stability of your business.