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.
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.
Let your Swiss customers pay with their PostFinance Card. With more than three million account holders, PostFinance is the market leader in Switzerland.
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.
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.
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.
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).
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.
The PAYONE Platform offers you further proven options for processing debit card payments:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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