Xootle Pay
Your Integrated Payment Solution
for Hospitality
Simple from day one!
Xootle Pay, the transaction service by Xootle B.V., operates on a DNB-licensed payment platform. Manage on-site and online payments from a single account without scattered reports or technical hassle.
Quick setup · Works on all browser-enabled devices · Flexible pricing
Xootle Pay
- 75+
- Payment Methods
- 35,000+
- Companies affiliated with the PAY. network
- 24/7
- Emergency Support
- 0
- Surprises
All Payment Methods, One Environment
Paying in hospitality requires more than just a card machine at the counter. Your guests want to settle the bill in the way that suits them: at the table, at the counter, via a QR code, or online. And all of this without separate contracts, segregated reports, and fragmented administration.
Xootle Pay solves this with a complete payment solution that merges in-person and online payments into one account, one dashboard, and one integrated environment, specifically designed for the hospitality market and small businesses.
Xootle Pay supports all common payment methods, both on-site and online. Your guests can pay with PIN, contactless, via QR code, iDEAL/Wero, credit card, or digital wallets like Apple Pay and Google Pay. Payment methods that are predominantly used in certain countries are also supported. No need to activate or switch by method; everything works directly within the same payment environment, without separate PSP integrations.
In addition to standard transactions, Xootle Pay supports:
Xootle Pay solves this with a complete payment solution that merges in-person and online payments into one account, one dashboard, and one integrated environment, specifically designed for the hospitality market and small businesses.
Xootle Pay supports all common payment methods, both on-site and online. Your guests can pay with PIN, contactless, via QR code, iDEAL/Wero, credit card, or digital wallets like Apple Pay and Google Pay. Payment methods that are predominantly used in certain countries are also supported. No need to activate or switch by method; everything works directly within the same payment environment, without separate PSP integrations.
In addition to standard transactions, Xootle Pay supports:
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Payment requests and payment links for deposits, no-shows, additional shipments, and quote payments.
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Split payments, multiple guests at a table pay their own share.
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Tips, integrated into the checkout process.
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Refunds and partial refunds, processed swiftly, visible immediately to your guest.
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Subscriptions and recurring payments for memberships, fixed services, and periodic expenses.
In-Person Payments: Flexible and Reliable on the Floor
Payment Terminals Suitable for Every Work Situation
Xootle Pay works with all customary payment hardware. Choose a fixed counter terminal, a wireless handheld terminal for table payments, or a mobile terminal for outdoor terraces and events. With SoftPOS (Tap to Pay), you can turn an enabled device into a payment terminal.
Xootle can supply the necessary hardware. Alternatively, you can use your own equipment via Tap to Pay.
Terminals support multiple connection options and automatically switch between WiFi and 4G/5G. To ensure full security, additional offline payment processing is available as a contingency.
Xootle Pay works with all customary payment hardware. Choose a fixed counter terminal, a wireless handheld terminal for table payments, or a mobile terminal for outdoor terraces and events. With SoftPOS (Tap to Pay), you can turn an enabled device into a payment terminal.
Xootle can supply the necessary hardware. Alternatively, you can use your own equipment via Tap to Pay.
Terminals support multiple connection options and automatically switch between WiFi and 4G/5G. To ensure full security, additional offline payment processing is available as a contingency.
Tap to Pay: Turn Your Phone into a Payment Terminal
Tap to Pay allows contactless payments using just a smartphone. Customers simply hold a payment card, credit card, smartwatch, or mobile wallet against your phone, and the transaction is processed immediately. There's no longer always a need for a separate card machine.
This is especially beneficial for small businesses, couriers, market vendors, hospitality venues, hairdressers, coaches, and mobile service providers. Those who work on-site or have limited counter space can settle payments quickly and professionally with Tap to Pay.
How does Tap to Pay work?
Tap to Pay uses NFC technology—the same technology customers use to make contactless payments in stores. As a business owner, you install a payment app from a bank or payment service provider. Then, activate Tap to Pay, enter the amount, and allow the customer to pay by holding their card or phone against your device.
Depending on the provider, Tap to Pay is available on iPhone, Android, or both. Known companies in the Netherlands focus mainly on entrepreneurs who want to accept payments via an app, without any extra payment devices.
Benefits for Entrepreneurs
The primary advantage is convenience. You don't need to purchase or carry around a separate card device. This lowers the barrier to accept card payments. Plus, it's easy and quick to start since setup is generally via an app.
Additionally, Tap to Pay looks professional. Customers increasingly expect to pay contactlessly, especially for small amounts, at events, for deliveries, or appointments on-site, which can speed up the payment process.
Is Tap to Pay safe?
Yes, Tap to Pay is designed for secure contactless transactions. Card details are encrypted, and transactions go through the payment provider. The business does not see the complete card details. It is important, however, to use only official apps from reputable providers and to keep your phone secure with updates, PIN, or biometric access.
This is especially beneficial for small businesses, couriers, market vendors, hospitality venues, hairdressers, coaches, and mobile service providers. Those who work on-site or have limited counter space can settle payments quickly and professionally with Tap to Pay.
How does Tap to Pay work?
Tap to Pay uses NFC technology—the same technology customers use to make contactless payments in stores. As a business owner, you install a payment app from a bank or payment service provider. Then, activate Tap to Pay, enter the amount, and allow the customer to pay by holding their card or phone against your device.
Depending on the provider, Tap to Pay is available on iPhone, Android, or both. Known companies in the Netherlands focus mainly on entrepreneurs who want to accept payments via an app, without any extra payment devices.
Benefits for Entrepreneurs
The primary advantage is convenience. You don't need to purchase or carry around a separate card device. This lowers the barrier to accept card payments. Plus, it's easy and quick to start since setup is generally via an app.
Additionally, Tap to Pay looks professional. Customers increasingly expect to pay contactlessly, especially for small amounts, at events, for deliveries, or appointments on-site, which can speed up the payment process.
Is Tap to Pay safe?
Yes, Tap to Pay is designed for secure contactless transactions. Card details are encrypted, and transactions go through the payment provider. The business does not see the complete card details. It is important, however, to use only official apps from reputable providers and to keep your phone secure with updates, PIN, or biometric access.
Online Payments: Let Guests Pay How and When It Suits Them
Whether guests pay upfront via your website, receive a payment request via WhatsApp, or are automatically charged for a subscription, Xootle Pay takes care of it. No separate systems, no loose integrations.
Choose the method that suits your situation:
Choose the method that suits your situation:
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Pay via your website; guests settle on a secure payment page matching your brand.
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Send a payment link; email, WhatsApp, or SMS payment requests. Ideal for deposits, no-shows, or delayed payments without needing a webshop.
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Automatic recurring payments for regular guests, memberships, or repeat services.
Fully Integrated Payments
Xootle Pay isn't just a standalone payment system; it's integrated within the Xootle platform. This means payments seamlessly work with the POS, property management system, reservations, e-commerce, and bookkeeping. There are no external integrations or manual synchronizations needed.
How the Payment Flow Works in Practice
- Create an order in Xootle
- Your staff chooses when to settle the bill
- Select a payment method: terminal, Tap to Pay, QR code, or payment link
- Your guest pays
- Print or digitally send the receipt
- The payment is immediately and accurately recorded in receipt, reports, and administration
The entire flow proceeds without separate systems or manual input.
Automatic Synchronization of Payment Data
All payment data, including transactions, refunds, tips, fees, chargebacks, and disputes, are automatically synchronized. You only need to set the payout schedule to align with your cash flow.
One Dashboard for All Transactions
Xootle Pay provides a single central dashboard where all your transactions are consolidated, regardless of channel. Transactions can be filtered by location, employee, terminal, channel (in-person or online), and time frame. This way, you can see daily turnover per location, identify peaks, and spot deviations.
Revenue Control and End of Day
Daily turnover and bank payouts typically differ by at least one day; a transaction is considered complete at the time of successful processing, not upon receiving the bank credit. The following day, an automatic synchronization with the bank can occur to match payouts with the corresponding transactions. You can link one IBAN per location to keep turnover for each location clear.
Transparent Pricing at Xootle Pay
Transparent Payment Rates
Xootle Pay offers a fixed monthly subscription with a low per-transaction fee. No hidden fees, no start-up costs.
- In-Person €19.95
- Online €9.95
- In-Person and Online (combined) €27.95
You decide how often payouts occur. Daily, weekly, or another rhythm. The fastest option is the next business day after the transaction (D+1). You automatically receive an invoice per payout, ensuring your bookkeeping is immediately correct.
All rates are excluding VAT and apply with Xootle Software. View the rates in a downloadable PDF which is easy to print, including several practical examples of all monthly costs.
Security and Compliance
PCI DSS
Xootle Pay provides a PCI-compliant payment solution. Transaction processing, verifications, and security infrastructure are handled by a certified payment platform licensed by the Dutch Central Bank, valid across Europe. Sensitive transactions do not occur within the Xootle environment itself; Xootle relays payment instructions and receives the results.
Additional Security Layer
Beyond standard PSD2 and SCA controls, Xootle adds its own control layer. Data streams are delivered via secure connections and checked against an internal algorithm that verifies data consistency and logic. If anomalies are detected, the transaction is blocked before processing.
Fraud, Chargebacks, and Dispute Management
Fraud handling, chargebacks, and disputes are processed in accordance with the guidelines of the Dutch banking sector, relevant regulators, card companies, and payment partners. Every step is documented and verifiable.
GDPR and Data Storage
All data is stored in compliance with GDPR. Only data with a legitimate purpose is retained. Payment card information such as card numbers and CVC codes are never stored by Xootle Pay.
Xootle Pay provides a PCI-compliant payment solution. Transaction processing, verifications, and security infrastructure are handled by a certified payment platform licensed by the Dutch Central Bank, valid across Europe. Sensitive transactions do not occur within the Xootle environment itself; Xootle relays payment instructions and receives the results.
Additional Security Layer
Beyond standard PSD2 and SCA controls, Xootle adds its own control layer. Data streams are delivered via secure connections and checked against an internal algorithm that verifies data consistency and logic. If anomalies are detected, the transaction is blocked before processing.
Fraud, Chargebacks, and Dispute Management
Fraud handling, chargebacks, and disputes are processed in accordance with the guidelines of the Dutch banking sector, relevant regulators, card companies, and payment partners. Every step is documented and verifiable.
GDPR and Data Storage
All data is stored in compliance with GDPR. Only data with a legitimate purpose is retained. Payment card information such as card numbers and CVC codes are never stored by Xootle Pay.
Payouts and Cash Flow
Onboarding and Implementation
Go Live Quickly, No Technical Hassle
You can start as soon as onboarding is completed. During onboarding, you can already set up your environment, prepare connections and settings, and test payment flows in a sandbox environment. This way, everything is validated before going live.
Standard verification details are required for onboarding: KYC, Chamber of Commerce registration, UBO statement, and a bank account.
Rolling Out Multiple Locations
If your locations are registered under the same responsible person or entity, one onboarding suffices to roll out all locations. You link one IBAN per location, making expansion quick and straightforward, without repeated administrative processes.
24/7 for Emergencies
Uptime and Support
Xootle Pay aims for 99.9% uptime. Outages and status information are communicated via a separate status website, hosted outside the Xootle infrastructure, ensuring information remains available, even if there is an issue elsewhere in the chain.
Support is accessible via phone, a ticket system, and a support desk with chat. In case of outages, the response is immediate. A 24/7 emergency phone service is available for emergencies, including evenings and weekends.
Suitable for
Support is accessible via phone, a ticket system, and a support desk with chat. In case of outages, the response is immediate. A 24/7 emergency phone service is available for emergencies, including evenings and weekends.
Suitable for
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Restaurants and cafes
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Hotels and other accommodation providers
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Pop-up locations and events
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Small businesses with both physical and online sales channels
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Entrepreneurs with multiple locations
Frequently Asked Questions
FAQ Xootle Pay
Are there any start-up costs?
Are there any start-up costs?
No. You only pay the monthly subscription and transaction fees. There are no one-time connection or onboarding fees.
What is the monthly cost of Xootle Pay?
What is the monthly cost of Xootle Pay?
Xootle Pay is available in three options: In-Person for €19.95/month, Online for €9.95/month, or the combination for €27.95/month. In addition, a low fee per transaction applies, for example, €0.19 for iDEAL/Wero, €0.085 for PIN (Maestro/VPAY), and €0.15 + 1.75% for Mastercard or Visa credit card. View the full rate list for all methods and practical examples.
Are there any hidden costs?
Are there any hidden costs?
No. The monthly rate and transaction fees are fixed and transparent. You pay no installation, onboarding, or per location rollout fees when locations are registered under the same entity.
Which payment methods are supported?
Which payment methods are supported?
Xootle Pay supports all common payment methods, on-site and online. In-person, your guests can pay using PIN, contactless, Maestro, Visa, Mastercard, American Express, Bancontact, Apple Pay, and Google Pay. Online, iDEAL, Wero, credit card, payment link, and QR payment are available. All methods work directly within the same environment; activation per method is not necessary but possible.
Are foreign payment cards supported?
Are foreign payment cards supported?
Yes, as standard. Guests with foreign Visa, Mastercard, or other common cards can pay directly. If you wish to disable specific payment methods or card types, you can do so in the settings.
Can guests split the bill at the table?
Can guests split the bill at the table?
Yes. Your staff can split the bill directly from the POS system. Each guest pays their share with a different payment method if needed. The split is automatically processed in the reports. No manual input is required.
Can my employees receive tips via the terminal?
Can my employees receive tips via the terminal?
Yes. Tips are integrated into the checkout process. The guest chooses the tip amount on the terminal, and it is automatically processed in the reports and accounting. No separate registration is needed.
How do I send a payment request for a deposit or no-show?
How do I send a payment request for a deposit or no-show?
With the payment link function, you send a request via email, WhatsApp, or SMS. The guest pays via a secure payment page with your branding. Handy for deposits for reservations, no-show fees later, or additional shipments. All without needing a webshop.
Does Xootle Pay work separately from the POS system or software?
Does Xootle Pay work separately from the POS system or software?
Xootle Pay is designed to work seamlessly with Xootle POS, PMS, Booking Engine, and CMS, leveraging its full integration advantage. Separate use alongside existing software depends on your situation; the rates apply in conjunction with Xootle Software.
What happens if my internet connection drops?
What happens if my internet connection drops?
Xootle Pay automatically switches between WiFi and 4G/5G. For situations where mobile data is also unavailable, an offline payment mode is available as a contingency (custom package). Once the connection is restored, transactions are automatically synchronized.
Do I need to purchase new hardware?
Do I need to purchase new hardware?
Not necessarily. There are three options. If you already have a suitable terminal, Xootle can convert it to Xootle Pay in many cases. This conversion occurs at net-net, without additional costs. The conversion costs are approximately €150.00, depending on the terminal type. If you prefer to work without separate hardware, you can use a suitable device as a payment terminal via Tap to Pay. For new fixed or mobile terminals, Xootle provides the necessary hardware. Contact us to check if your current terminal is fit for conversion.
How quickly is my revenue paid out?
How quickly is my revenue paid out?
You decide the payout schedule: daily, weekly, or another timeline. The fastest option is the next business day after the transaction (D+1). For each payout, you automatically receive an invoice, ensuring your accounting is immediately accurate. One IBAN is linked per location.
Is the Xootle Pay network PCI DSS certified?
Is the Xootle Pay network PCI DSS certified?
Yes. Transaction processing and security infrastructure are handled by a PCI DSS-certified payment platform with a license from the Dutch Central Bank, valid across Europe. Sensitive card details, such as card numbers and CVC codes, are never stored by Xootle Pay.
How are chargebacks and fraud handled?
How are chargebacks and fraud handled?
Fraud handling, chargebacks, and disputes are processed according to the guidelines of the Dutch banking sector, relevant regulators, and involved card companies. Each step is documented and verifiable. Beyond standard PSD2 and SCA controls, Xootle adds an extra control layer that blocks anomalous transactions before processing.
How soon can I start?
How soon can I start?
As soon as your onboarding is complete, you can start accepting payments. During onboarding, you can set up the environment and test payment flows in a sandbox environment, ensuring you're fully prepared to go live. For onboarding, you need: KYC verification, Chamber of Commerce registration, UBO statement, and a bank account.
Can I connect multiple locations with one onboarding?
Can I connect multiple locations with one onboarding?
Yes. If your locations are registered under the same responsible person or entity, one onboarding is sufficient to roll out all locations. One IBAN is linked per location. This makes expansion quick and straightforward, without repetitive administrative processes.
What is Tap to Pay and can I use my phone as a card machine?
What is Tap to Pay and can I use my phone as a card machine?
With Tap to Pay (SoftPOS), you can turn a suitable device into a payment terminal: the guest holds their card or phone against your device and the payment is processed immediately. You do not need a separate card machine. Xootle Pay supports Tap to Pay on a suitable own device, alongside fixed, wireless, and mobile terminals.
Do I need a mobile card machine for payments at the table or on the terrace?
Do I need a mobile card machine for payments at the table or on the terrace?
For payments at the table, on the terrace, or at events, you can use a wireless handheld or mobile terminal that automatically switches between WiFi and 4G/5G. If you want to work without separate hardware, a suitable device can serve as a payment terminal via Tap to Pay.
What is the transaction fee for card payments with Xootle Pay?
What is the transaction fee for card payments with Xootle Pay?
You pay a low fee per transaction in addition to the monthly subscription: €0.085 for PIN (Maestro/VPAY), €0.19 for iDEAL/Wero, and €0.15 + 1.75% for Mastercard or Visa credit card. All rates are excluding VAT. The full rate list with practical examples is available in the downloadable PDF.
Do I need a mobile card machine for payments at the table or on the terrace?
Do I need a mobile card machine for payments at the table or on the terrace?
For payments at the table, on the terrace, or at events, you can use a wireless handheld or mobile terminal that automatically switches between WiFi and 4G/5G. If you want to work without separate hardware, a suitable device can serve as a payment terminal via Tap to Pay.