Offer debit cards in your online shop

Despite the increasing standardisation of payment transactions in Europe, almost every country still maintains its own national debit cards. Local debit cards, such as the so-called "EC-Karte" in Germany, are very widely accepted for e-commerce. The PAYONE Platform can process all relevant debit cards in Europe for you, helping you to build additional confidence in your customers.


Let your customers pay with the world's leading debit card. With Maestro and MasterCard Secure Code, online payments are as quick and easy as using a credit card. The acceptance of Maestro for payments in e-commerce is particularly high in the UK, Austria and Spain.

International debit cards

The PAYONE Platform supports all relevant debit cards worldwide, such as VPAY, Visa Debit / Visa Delta, Visa Electron or Debit MasterCard. The settlement for these payments is as convenient as with credit cards.

PostFinance Card

Let your Swiss customers pay with their PostFinance Card. With more than three million account holders, PostFinance is the market leader in Switzerland.

Carte Bleue

In France, more than 30 million card holders have an international Carte Bleue and about three million use a national Carte Bleue debit card. The PAYONE Platform opens up this market potential for you.

Local, national debit cards

Whether in the UK, Scandinavia, Southern or Eastern Europe – with the PAYONE Platform you have access to all relevant national debit card systems within Europe.

Debit card payment process

The PAYONE Platform processes debit card payments within a few milliseconds in a fully automated manner. Highest security standards and state-of-the-art technologies ensure maximum security, performance and availability.

Transactional operations for every type of business transaction

The PAYONE Platform supports all relevant transaction operations and provides these across all payment methods (booking, reservation collection, partial collection, recurring payment, refund, cancellation, chargeback).

Protection against chargebacks and fraud

Card holder authentication using 3-D Secure (Verified by Visa and MasterCard SecureCode) or comparable procedures employed for debit cards offer a high level of protection against chargebacks and fraud. Some agreements even include payment guarantees. However, the risk for you as an online trader varies with the debit card used by the customer. That is why the Protect module in our PAYONE Platform includes comprehensive security mechanisms to guard you against chargebacks and fraud.


The PAYONE Platform supports virtually all leading international currencies. The only prerequisite is that the currency is supported by the respective debit card provider.

More options

The PAYONE Platform offers you further proven options for processing debit card payments:

3-D Secure: Verified by Visa and MasterCard SecureCode

The security procedures Verified by Visa and MasterCard SecureCode help to guard yourself against fraud and chargebacks. Employing 3-D Secure may even be a prerequisite for using a number of debit cards, including Maestro. The benefit for you as a merchant is the liability shift provided by the system. Learn more about 3-D Secure.

SecureCard Storage

To avoid the costly certification according to the Payment Card Industry Data Security Standard (PCI DSS), you have the simple and secure option to store card information on the certified PAYONE Platform while the transaction is processed. The real card number is replaced by a tokenised card number (tokenisation). The tokenised card number has the same structure as the real card number which allows you to process the payment in your systems without requiring PCI DSS certification. Learn more about PCI DSS.

Dynamic Transaction Reference

By default, the information that is printed on the credit card statement of the card holder is static. In e-commerce, these are the amount, the shop URL as well as the city in which your company is located. Dynamic Transaction Reference allows you to transfer individual texts such as a customer-specific order number for each transaction. This will be included on the card statement.

Connection & integration

For connecting to existing e-commerce systems, the PAYONE Platform is equipped with comprehensive interfaces. You can use PAYONE's standardised extensions for an easy connection with leading shop and enterprise resource planning systems.

Optimised accounting

The Accounting module within the PAYONE Platform seamlessly monitors all payment movements and posts them automatically in the debtor management for your accounting. Received payments and collective credits are automatically assigned to the open items. In order to do this, the system collects and processes settlement files such as bank statements or EPA files (Electronic Payment Advice) for credit card payments. This guarantees an automatic detection of chargebacks which can then be processed according to your individual specifications. Learn more about the Accounting module or request a quote now.

Seamless checkout process

Let your customers enjoy maximum comfort during checkout and see your conversion rates grow. The Client API of the PAYONE Platform provides you with a unique integration option for your checkout process: Thanks to our state-of-the-art Ajax technology, the customer is not redirected to any other site at any point in time. For you as a merchant, this means that you can act without a cost-intensive certification according to the Payment Card Industry Data Security Standard (PCI DSS). Learn more about the Client API or request a quote now.

One-click checkout

Design your checkout like Amazon or Apple, and let your regular customers pay without re-entering their payment data for each purchase. When using our Client API, sensitive payment data are stored in the background on the certified PAYONE Platform. Once a customer has made a purchase on your site and entered his or her payment data, they can simply re-select this information for all subsequent purchase processes and pay without any inconveniences. As a merchant you benefit in two ways: You can grow your conversion rate and act without the cost-intensive certification according to the Payment Card Industry Data Security Standard (PCI DSS). Learn more about the Client API or request a quote now.

Efficient fraud prevention

The ProtectEngine of the Protect module on the PAYONE Platform provides you with extensive range of options to detect fraud patterns and avoid payment defaults. Comprehensive checks are used to analyse the information available during a payment process in real-time. Editable sets of rules allow to customise and combine all fraud prevention checks as required. If a risk indicator or a fraud pattern is detected during a check, the transaction in question may be either rejected or subjected to a follow-up check to further limit the risk potential. Learn more about the Protect module or request a quote now.

Automatic returning and credit procedure

Returns are an inevitable part of the mail-order business and require sophisticated credit procedures – after all, your clients expect their money back quickly and without any inconveniences. However, not all payment methods offer the option to refund payments. There are also a number of special characteristics of the payment types which need to be taken into consideration: What is the procedure, if the customer's credit card has expired in the meantime and your efforts to refund the amount fail? The Accounting module provides solutions for these challenges and allows you to refund payments by bank transfer for all payment methods. Across the whole of Europe and fully automated. Learn more about the Accounting module or request a quote now.

Dynamic payment method control

The higher the number of payment methods offered to your customers, the higher the conversion rate. Studies clearly demonstrate that customers tend to cancel the payment process if they are not offered their preferred payment method. Should there be any risk indicators or doubts about a customer's capacity to pay, however, it is indispensable to restrict this customer's choice to secure payment methods only. Ideally, this type of preselection is carried out in the background based on intelligent sets of rules which are tailored to your particular business and can be adapted at any time. The Protect module of the PAYONE Platform provides an integrated risk management system and a variety of checks to efficiently minimise payment defaults and fraud. Learn more about the Protect module or request a quote now.

Standardised processes for all payment methods

Each payment method has its own logic and supports various different transactions. The higher the number of payment methods offered, the larger the number of processes and distinctive features you need to consider. The PAYONE Platform is designed to take care of this complexity. Our platform offers consistent, perfectly harmonised processes across all payment methods. One of the benefits for you as a merchant is the simple integration via an interface which allows you to implement new features with little effort. Learn more about our Integration options or request a quote now.

Couldn't find the right solution?

You did not find the right solution? Then use our professional services to let us know what your challenges are. Our consultants can draw from the know-how and best practice solutions acquired during many years of experience in a variety of client projects. We will be happy to advise you and to find the right solution for your project.

Maestro (worldwide)

  • Maestro is the leading debit card around the globe and already has a leading position in brick and mortar retail stores.
  • There are about 653 million Maestro cards in the world, roughly 311 million of which are issued in Europe.
  • Some of the cards are e-commerce enabled and can only be processed using the 3-D Secure procedure "MasterCard Secure Code".
  • Maestro (formerly Maestro UK) is used for a large part of all online payments in the UK.
  • Also in other European countries, such as Austria or Spain, a significant portion of the Maestro cards are enabled for e-commerce. In Germany and other countries in Europe and the whole world, e-commerce-enabled cards are becoming more common, too (for example: The PAYBACK Maestro card).
  • Today, MasterCard acceptance agreements govern the acceptance of Maestro cards.

Debit MasterCard (worldwide)

  • Debit MasterCard is an international debit card that builds on the classic MasterCard credit card.
  • The Debit MasterCard is issued by a variety of banks worldwide.
  • Payments via Debit MasterCard can be handled through MasterCard acceptance contracts.
  • The 3-D Secure procedure "MasterCard SecureCode" is used for these transactions.

VPAY (Europe)

  • VPAY is Visa's European debit card with around 18 million issued cards. About 12 million of these cards were issued in Germany (as of 2011).
  • The number of VPAY cards in use shows a strong upward trend.
  • In e-commerce, VPAY can only be accepted, if the respective card is enabled for the 3-D Secure procedure "Verified by Visa".
  • A VPAY acceptance contract is required.

Visa Debit / Visa Delta (worldwide)

  • Until 2004 Visa Debit cards were issued under the name of Visa Delta.
  • Visa Delta was the first debit card in the UK.
  • A multitude of banks worldwide and UK banks in particular issue their debit cards as Visa Debit.
  • Visa Debit payments can be processed via Visa acceptance contracts.
  • The 3-D Secure procedure "Verified by Visa" is used for these transactions.

Visa Electron (worldwide)

  • Visa Electron is a prepaid card that is issued by banks around the globe (exception: USA, Canada, Ireland and Australia).
  • The main target group are young people, students and travellers without credit cards who still wish to use cards for international payments.
  • Visa Electron payments can be processed via Visa acceptance contracts.
  • The 3-D Secure procedure "Verified by Visa" is used for these transactions.

Local credit and debit cards

Carte Bleue (France)

  • Carte Bleue cards are issued as Carte Bleue nationale as well as Carte Bleue internationale with Visa co-branding by the Groupement Carte Bleue.
  • The approximately 30 million Cartes Bleue internationales allow their card holders to pay at all national Carte Bleue acceptance points and internationally at all credit card (Visa) acceptance points.
  • For the approximately three million Cartes Bleue nationales the acceptance is limited to national Carte Bleue acceptance contracts with local acquirers.

Switch / Solo (UK)

  • Switch and Solo debit cards are no longer issued.
  • While all Switch cards were exchanged for Maestro cards, Solo cards may still be found in circulation occasionally. Those, too, are migrated and re-issued as Visa Debit cards.

Laser (Ireland)

  • The debit card was launched in 1996 In 2010, almost 3 million Laser cards were in circulation.
  • All Laser cards issued after 1 January 2008 are co-branded cards provided with an international payment option (i.e., MasterCard, nder the "Maestro" brand name).
  • The co-branded cards are cards using chip and PIN both with Laser (used in Irland) and Maestro (international use) functions.

Bancontact / Mister Cash (Belgium)

  • With more than 15 million debit cards Bancontact / Mister Cash is the most popular payment instrument in Belgium.
  • Almost all Bancontact / Mister Cash cards are co-branded Maestro and allow the processing as Maestro payments.

Carte Postepay / Carta Si (Italy)

  • The Carta Si cards are issued as Visa, MasterCard or Maestro cards and are accepted within the respective networks (Visa, MasterCard, Maestro acceptance contracts).
  • Carte Postepay is the debit card of the Italian Postal Services (Poste Italiane), which is issued as a Visa Electron or MasterCard. The Carte Postepay can be used internationally for payment at all Visa and MasterCard acceptance points.

ServiRed / Sistema 4B / Euro 6000 (Spain)

  • ServiRed is the most widely used national payment system in Spain. 36.5 million credit and debit cards are in circulation, which are also issued with Visa or MasterCard co-branding.
  • There are 20 million Sistema 4B credit and debit cards on the Spanish market. Each card can be issued with a Visa or MasterCard co-branding and therefore qualifies for international use.
  • With 13.7 million issued debit (Maestro & Visa Electron) and co-branded credit cards (Visa and MasterCard), Euro 6000 is another national payment system which enjoys a wider distribution in Spain.

Dankort (Denmark)

  • With 3.5 million card holders, the Danish Dankort debit card is very widely used in Denmark.
  • Today, it is usually issued with Visa co-branding and can therefore also be used abroad. 
  • 3.5 million Danes conduct 535 million payment transactions with their Dankort each year in Denmark alone.

PostFinance Card (Switzerland)

  • The PostFinance Card is the debit card of the Swiss "Die Post" group's PostFinance division.
  • With over  3 million accounts and issued debit cards, PostFinance is Switzerland's market leader.
  • Merchants enjoy a payment guarantee for e-commerce payments effected with this debit card and are thus protected against payment defaults.

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Mobile payment

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In-app payment

Simple integration

Use our standardised extensions for an easy and seamless integration of all leading e-commerce systems to the PAYONE platform.