OuiPay by Lenbox is a European payment platform that lets businesses accept Wero, SEPA Instant transfers, and bank cards at a single 0.99% rate, with zero chargebacks on Wero and SEPA Instant payments.
What is OuiPay?
OuiPay is a payment acceptance solution for merchants across Europe, developed by Lenbox (ACPR-approved). It takes customer payments via Wero (the instant payment system from major French/European banks), SEPA Instant transfers, and standard card payments—all through one integration. The platform outputs funds credited to your professional IBAN in under 10 seconds for Wero and SEPA Instant, with instant settlement and no settlement delay. It works online (WooCommerce, PrestaShop, REST API), in-store (via a PWA with QR codes, no terminal needed), and for remote billing (payment links by email or QR).
Key Features
- Single rate across all payment methods — 0.99% + €0.20 excl. VAT per successful transaction for standard industries; same rate for Wero, SEPA Instant, and cards.
- Zero chargebacks on Wero & SEPA Instant — payments are irrevocable once confirmed; card payments remain subject to standard scheme rules.
- Automatic fallback from Wero to SEPA Instant — if a customer's bank doesn't support Wero, the payment seamlessly switches to SEPA Instant transfer, maintaining the same speed and irrevocability.
- Instant settlement — funds credited to your pro IBAN in under 10 seconds for Wero and SEPA Instant transfers; no settlement delay.
- No hardware required — in-store collection via QR code displayed on your smartphone using the OuiPay PWA (iPhone & Android); no terminal or POS device needed.
- E-commerce plugins & REST API — ready integrations for WooCommerce and PrestaShop, plus a REST API for custom checkout implementations.
- Monthly subscription only active when you collect — €19 excl. VAT/month but charged only on months with at least one transaction; otherwise €0.
- Regulated industries supported — separate pricing (2.9% + €0.20 excl. VAT) for sectors like CBD, legal adult, vaping, supplements; SEPA Instant only (no Wero or card).
Who is it for?
- Online merchants — add OuiPay as an alternative payment method to reduce cart abandonment when cards are declined, capped, or expired.
- Tradespeople and professional services — collect deposits, quotes, and final payments on-site or remotely without a terminal, using just a QR code from a smartphone.
- Regulated businesses — CBD stores, vape shops, legal adult products, and supplement sellers that are often rejected by traditional PSPs can accept payments via SEPA Instant transfer.
- Healthcare professionals — dentists, vets, opticians can accept fees, uncovered care, and equipment payments instantly in-clinic or via a secure link.
What can you do with OuiPay?
- Recover lost card sales online: When a customer's card is declined at checkout, OuiPay appears as an alternative; they pay via Wero or SEPA Instant and you receive funds in 10 seconds.
- Accept in-store payments with your phone: Show a QR code on your smartphone (no hardware), customer scans with their banking app, validates via biometric authentication, and funds arrive instantly.
- Send remote payment requests: From your dashboard, create a payment link or QR code, share it by email, and get paid the moment the customer validates—no chasing IBANs.
How does it work?
- You sign up (free until first payment, setup in 24h). 2. Integrate OuiPay via plugins, API, or use the PWA on your phone. 3. Customer pays – the system automatically chooses the best journey: Wero first, then SEPA Instant fallback if needed. 4. Funds arrive in under 10 seconds to your professional IBAN. No rejection fees, no volume commitment.
