Payments · E-com
Payment processing in Cyprus: Stripe vs JCC vs Revolut
On Cyprus, there are three main ways to accept card payments: Stripe (international), JCC (local Cypriot), Revolut Business (multi-currency). Each has its strengths and weaknesses, let's consider which one to choose in what cases.
Stripe - international standard
- Registration: 1-2 days, CY-legal entity required
- Commission: 1.5% + €0.25 for EU cards, 2.5% + €0.25 for non-EU.
- Support: 135+ currencies, 50+ payment methods, recurring
- Native Apple Pay, Google Pay, Klarna, SEPA
- Stripe Connect for marketplace models
- Best for: international audience, SaaS, e-com
JCC - Cypriot underwriting
- Local - Optimised for CY cards (Bank of Cyprus, Hellenic, Eurobank)
- Commission: 1.2-1.8% for CY cards, 2.5%+ for non-EU
- Registration: 5-10 working days via bank
- Best suitability for the Cypriot audience
- Best for: businesses with CY customers, retail, restaurants
Revolut Business — multi-currency
- Low fee: 1% + £0.20 for UK/EU cards
- Multi-currency without forex fees between EUR/GBP/USD
- Registration: within 1-2 days online
- Native support for SEPA, Apple/Google Pay
- Limit: $300k-1M/year without additional checks
- Best for: small business, B2B invoicing
When to choose each one.
- Stripe - for international audience or SaaS product
- JCC - if 70%+ of clients in Cyprus, retail business
- Revolut Business - for small businesses with low volumes
- Stripe + JCC — standard combo for serious e-com
- PayPal - add if there is a UK/US audience
- UKassa / CloudPayments - for RU audience via RF partner
Apple Pay + Google Pay setup
- Stripe: domain verification → auto-include in Checkout
- JCC: web-payments API via Stripe → Apple Pay method
- Conversion uplift: +30-50% on mobile checkout
- Domain verification file is placed in /.well-known/apple-developer-merchantid-domain-association
- We test on real devices (Safari iOS, Chrome Android)
Recurring billing
- Stripe Subscriptions — the standard for SaaS
- Customer Portal - the customer manages their subscription themselves
- Smart Retries — Stripe can retry failed payments
- Dunning emails — automatic upon failure
- Prorations - proportionally with upgrade/downgrade
- EU VAT MOSS - Stripe Tax automatically
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