Sepa-incasso: single or standing authorisation
SEPA Direct Debit is a single or standing authorisation. This is the ideal and easiest way to have your customers make single or periodic payments. This payment method is especially suitable for subscriptions. SEPA Direct Debit is available in all 34 countries* that are part of SEPA.
Customers authorize you to debit amounts from their account. That can be either a single or standing authorization. With a standing authorization, customers give you permission to debit an amount daily, weekly, monthly or annually. A standing authorization can be used, for example, for paying in installments or subscriptions, but also for collecting the contribution from members of clubs and associations.
How does online payment with SEPA Direct Debit work?
The consumer places in order for a product service or subscription with a webshop and selects single or periodic payment by means of SEPA Direct Debit. This calls up an on-screen form that the customer can easily complete.
In case of a single authorization, the customer grants permission for the one-time debiting of an amount from his or her bank account. In case of a standing authorization, the customer grants permission for a first (down) payment using a different payment method, such as iDEAL, Mister Cash or credit card. Once this first payment has been made, subsequent direct debits can be performed automatically.
Permission granted by the customer is communicated directly to the webshop by email or the feedback functionality.
Who can pay with SEPA Direct Debit?
All consumers with a bank account in one of the 34 SEPA countries can pay online with SEPA Direct Debit.
* Belgium, Bulgaria, Cyprus, Denmark, Estonia, Finland, France (including French Guiana, Guadeloupe, Martinique, Reunion), Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta , Monaco, Netherlands, Norway, Poland, Portugal (including Azores and Madeira), Romania, San Marino, Slovakia, Slovenia, Spain (including the Canary Islands, Ceuta and Melilla), Czech Republic, United Kingdom (England, Scotland, Wales, Northern Ireland), Sweden and Switzerland.
iDEAL: the most used payment method in the Netherlands
iDEAL is a Dutch standard for Internet payment. Dutch consumers use iDEAL to pay for their online purchases on internet through their own online banking environment. It is the most popular online payment method in the Netherlands. Payments with iDeal are 100% guaranteed and cannot be unilaterally reversed.
DEAL was founded in 2005 by Currence to meet the need in the Netherlands for a universally accepted online payment method without high transaction costs. Transactions with iDEAL are free of charge for consumers.
How does iDEAL work?
The consumer places an order on a webshop and chooses to pay with iDEAL. After selecting the own bank, the consumer is redirected to the Internet banking environment of the own bank, where the payment order has been prepared. The consumer authorizes the payment, the amount is deducted and the consumer and the webshop are informed that the order has been paid.
Who can pay with iDEAL?
All Dutch consumers with an Internet banking account with ABN AMRO, ASN Bank, Rabobank, SNS Bank, RegioBank, ING, KNAB, Friesland Bank, Triodos Bank, and Van Lanschot Bankiers can pay for their online purchases with iDEAL.
Klarna: the convenience of payment in arrears
Klarna is the European market leader in invoice-based payments to webshops. Customers first have the order delivered and then pay in arrears, and possibly in instalments, to Klarna. They are not required to provide any confidential details. Klarna makes direct payment to workshops. Payments are 100% guaranteed.
Klarna has since 2005 being a specialist in providing user-friendly payment solutions for webshops and is active in 9 countries*. As 33% of consumers prefer payment in arrears on the basis of an invoice, this payment method can significantly raise the conversion of your webshop.
Your customers need not register and are only required to provide limited details. That makes this a very simple and low-threshold payment method. Klarna will increase the turnover and conversion of your webshop, with guaranteed payment directly from Klarna.
How does Klarna work?
The consumer places an order on a webshop and chooses to pay with Klarna. The consumer is then redirected to Klarna and asked to enter some basic particulars. The consumer can choose from two options: payment within 14 days or payment in installments. Klarna needs only a few seconds to check the consumer’s creditworthiness. If that is in order, the purchase is approved and an immediate message is sent to the webshop.
Who can pay with Klarna?
All consumers in any of the 9 countries in which Klarna is active can pay their online purchaser in arrears, and possibly in installments.
* Sweden, Finland, Norway, Denmark, Germany, Austria, The Netherlands, UK, and the United States.
VISA en Mastercard: the world’s most popular credit cards
VISA and MasterCard are the global credit card leaders. Consumers from all over the world can use these cards to make online purchases on your webshop. You will be surprised how many international consumers will find your webshop when you offer them the possibility of paying with VISA and MasterCard.
ISA and MasterCard were introduced in the 1960s and have become the world’s largest credit card providers. VISA International owns around 21,000 financial institutions worldwide but is best known for its credit card services. MasterCard grants worldwide licenses for credit cards and is one of the largest companies in its field. Billions of people in more than 200 countries have a VISA or MasterCard credit card.
How does online payment with VISA or MasterCard work?
The consumer places an order on a webshop and chooses to pay with a VISA or MasterCard credit card. The consumer is then asked to enter the credit card number and the so-called CVC code. For safety reasons, it is becoming ever more common to also ask a PIN or other code for (online) payment with a credit card. By entering the requested particulars, the consumer authorizes the payment. The webshop is then informed that the order has been paid.
Who can pay online with a VISA of MasterCard credit card?
Billions of people from more than 200 countries who have a VISA or MasterCard credit card can use it for making online purchases.
SprayPay: spread payments made easy
SprayPay is an innovative spread payment solution, which allows your private customer to pay in installments up to 36 months. This allows your customer to make a more expensive purchase for a relatively low monthly fee. The webshop owner will receive the purchase amount within 30 days.
The customer can choose to pay the purchase amount in 12, 18, 24 or 36 months. Payment in installments is possible from €250 to €5000. Your customer can always repay without penalty and therefore determines her own term. The webshop is guaranteed to receive the purchase amount within 30 days. SprayPay assumes the risk of default. SprayPay is only available in the Netherlands.
How does SprayPay work?
When the customer chooses SprayPay, an online credit check follows. This check is done in no time so you will not miss a conversion. When the customer is approved, conversion turns into an order. After 30 days you will receive the full purchase amount and the customer will only pay the first installment amount by direct debit.
Who can pay with SprayPay?
All Dutch consumers who are older than 23 years and who do not have a negative BKR registration.
Bancontact: the most usedpayment method in Belgium
With Bancontact Belgian consumers can pay with their own bank card or Bancontact app. This is the most used online payment method in Belgium. Payments are 100% guaranteed and cannot be unilaterally reversed.
Bancontact is the market leader in Belgium when comes to electronic payments. Bancontact ensures that the amount due is transferred from the account of the payer to that of the payee. For a cardholder, this takes place via the bank that issued the card, for a webshop via the supplier of the online payment method.
How does Bancontact work?
The consumer places an order on a webshop and chooses to pay with Bancontact/Mister Cash. The payment order is prepared and the consumer authorizes payment by entering the card details and a PIN. The amount is deducted from the consumer’s current account and the webshop is informed that the order has been paid. Consumers can also make mobile payments with the Bancontact-app. This uses a QR that automatically appears on the screen.
Who can pay with Bancontact
All Belgian consumers who have a Bancontact/Mister Cash bank bank card from ABK Bank, Argenta, AXA Bank, Bank J. van Breda, Belfius, Beobank, BNP Paribas Fortis, bpost bank, CBC Banque, CPH Banque, Crelan, Deutsche Bank, Fintro, Hello Bank, ING Belgium, KBC Bank, Keytrade Bank, Record Bank and VDK Spaarbank can pay their online purchases with Bancontact/Mister Cash.
Carte Bancaire and Carte Bleue: a must have for payments from France
Carte Bancaire en Carte Bleue zijn debet- en creditcards die voornamelijk binnen de landsgrenzen van Frankrijk worden gebruikt. Wanneer je ook Franse consumenten wilt laten afrekenen op je webshop, dan mag deze betaalmethode niet ontbreken op je betaalpagina.
Carte Bancaire is in 1984 opgericht en Carte Bleue bestaat al sinds 1967 en is tegenwoordig onderdeel van Carte Bancaire. Het zijn de bekendste en meest gebruikte debet- en creditcards in Frankrijk. Er zijn in Frankrijk meer dan 33 miljoen van deze kaarten in omloop
How do Carte Bancaire and Carte Bleue work?
The consumer places an order on a webshop and chooses to pay with Carte Bancaire or Carte Bleue. The consumer is then asked to enter the card details. A PIN or other code is also requested for security reasons. By entering the details and code, the consumer authorizes the payment. The webshop is then informed that the order has been paid.
Who can pay with Carte Bancaire and Carte Bleue?
CardGate supports payments by all debit and credit cards of Carte Bancaire or Carte Bleue rather than, like many other providers, only Carte Bleue VISA credit cards, for example. With CardGate over 33 million French cardholders can make a purchase from your webshop.
Giropay: the most used online payment methodin Germany
Giropay is the most used online payment method in Germany. With many German banks supporting Giropay, 85% of all German consumers can pay with Giropay. Payments with Giropay are 100% guaranteed and cannot be unilaterally reversed.
Giropay was founded by the German Postbank and the German companies Star Finanz, Fiductia IT and GAD. Giropay is based on the German Internet banking system and was specially developed for online payment. Giropay is very similar to the Dutch iDEAL.
How does Giropay work?
The consumer places an order on a webshop and chooses to pay with Giropay. After selecting the own bank, the consumer is redirected to the Internet banking environment of the own bank, where the payment order has been prepared. The consumer authorizes payment the same manner as with Internet banking. The amount is deducted from the consumer’s current account and the consumer and webshop are informed that the order has been paid.
Who can pay with Giropay?
All German consumers who have Internet banking with one of the many German banks or Sparkassen that support Giropay can use Giropay.
V PAY en eMaestro: online payment with your debit card
V PAY en eMaestro are the best-known debit card services in Europe. eMaestro is owned by MasterCard, while V PAY belongs to VISA. These cards are especially popular in Great Britain, Spain, Austria and Belgium. Payments are 100% guaranteed.
You can use V PAY en eMaestro for online payment with your debit card in the same manner as with a credit card. eMaestro and V-PAY are the first steps towards a European standard for online payment. In time every European will be able to use the own debit card for online payment both in the own country and any other European country.
How doe V PAY and eMaestro work?
The consumer places an order on a webshop and chooses to pay with V PAY and eMaestro. The card number and due dates must then be entered in the payment screen. A digipass or random-reader then generates a transaction code, which must also be entered. The consumer can then confirm payment. If sufficient balance is available, the amount due is deducted from the bank account. The webshop is then informed that the order has been paid.
Who can pay with V PAY en eMaestro?
While payment with eMaestro and V-PAY is at present only available to consumers in the United Kingdom, Spain, France, Turkey and Belgium, this payment method is becoming ever more popular could well become the most used online payment method in Europe.
Przelewy24: the Polish payment solution
Przelewy24 is a local Polish payment service that facilitates the transfer of funds for payments between consumers and sellers. Prezelewy24 guarantees the payment to the merchant without chargeback risk and is the most used Internet payment method in Poland. Poland is in the 8th position of the top 10 European internet countries with a user penetration of 57% of the population (22.6 million people).
How does Przelewy24 work?
When making an online payment with a participating merchant, the consumer chooses Przelewy24 as the payment method and authorizes the transfer. The transaction amount is then immediately retrieved from the consumer’s bank account or if the balance is not sufficient, the consumer will have to top up the balance with one of the available charging methods. After the successful processing of a payment CardGate will inform the merchant directly about the payment and transfer the amount.
Who can pay with Przelewy24?
Anyone who is affiliated with a Polish bank.