1. Overview

PAY. always has the most suitable payment solutions for you: no matter what product or service you choose to offer online. PAY. has a wide range of different (international) payment methods per bank, phone and credit or prepaid cards.

1.1. Terms and definitions

You can use the payment option if your webshop / sales location sells one of the product categories below.

ID	Name
20	Subscriptions (Member service)
52	Consumer purchases (average order value)
21	Babies & Kids
22	Beauty & Wellness
23	Presents & Cards
49	Gift cards, vouchers, calling credit
24	Health
4	Electronics
25	Food & Beverages
26	Fashion, Clothing & Shoes
27	Gadgets
28	Charity (ANBI status)
30	Watches & Jewelry
29	Home & Deco
6	Reading, DVDs & CDs
31	Music, Movies & Games
55	Digital products (software, downloads)
32	Education & Training
5	Jewelry & Accessoires
34	Toys
35	Sports & Leisure
7	Tickets
33	Garden & Tools
36	Travel
37	Shopping
9	Other business services
79	Tobacco & E-cigarettes
85	Deal websites (daily offers and specials)
73	Car and Motor (parts)
61	Retailers in precious metals and diamonds
43	Pets and accessoires
11	Digital services (dating)

1.2. Available Payment Options

The available payment methods depend on the chosen package and the category the webshop or website belongs to.

Per package

The Pioneer package includes all payment methods with the exception of collection and credit cards. In this case the Professional package is required.

Per category

iDEAL and Bancontact are popular payment methods that can be used in all product categories. However, certain payment methods are only available to specific webshop categories. For instance, Fashioncheque is only available to webshops that sell clothing-related items. The overview below shows the available categories per payment method.

Overview

Payment option ID	Name	Icon	Type
739	Riverty		Pay Later
2080	Alipay		Wallet Payments
1903	Amazon Pay		Wallet Payments
1705	American Express (AMEX)		Credit cards
2277	Apple Pay		Wallet Payments
436	Bancontact		Internet Banking
2622	Biercheque		Vouchers & Prepaid
1672	Billink (Transaction value up to € 100,-)		Pay Later
1675	Billink (Transaction value from € 100,-)		Pay Later
2607	Bloemen Cadeau		Vouchers & Prepaid
710	Carte Bancaire		Credit cards
711	Carte Bleue (High risk)		Credit cards
2107	CreditClick		Payment by Instalment
1939	Dankort		Credit cards
1942	Dankort (High risk)		Credit cards
2601	DE Cadeaukaart		Vouchers & Prepaid
2670	Dinerbon		Vouchers & Prepaid
2062	EPS Überweisung		Internet Banking
815	Fashioncheque		Vouchers & Prepaid
1669	Fashion Giftcard		Vouchers & Prepaid
2511	Festival Cadeaukaart		Vouchers & Prepaid
812	Gezondheidsbon		Vouchers & Prepaid
694	Giropay		Internet Banking
2628	Good4Fun		Vouchers & Prepaid
2558	Google Pay		Wallet Payments
1657	GivaCard		Vouchers & Prepaid
10	iDEAL		Internet Banking
137	Incasso		Bank Payments
1813	iDEAL in3		Payment by Instalment
1717	Klarna		Pay Later
712	Maestro		Internet Banking
715	Maestro (High risk)		Internet Banking
706	Mastercard		Credit cards
709	Mastercard (High risk)		Credit cards
2271	Multibanco		Bank Payments
2133	Nationale Bioscoopbon		Vouchers & Prepaid
1945	Nexi		Credit cards
1948	Nexi (High risk)		Credit cards
136	Overboeking		Bank Payments
2682	Parfum Cadeau		Vouchers & Prepaid
2379	Payconiq		Wallet Payments
138	PayPal		Wallet Payments
553	Paysafecard		Vouchers & Prepaid
1927	Pinnen		In-store payments (Terminal payments)
1729	Instore (starting a pin transaction in a website)		In-store payments (Terminal payments)
1723	Pin eigen contract (VISA/Mastercard)		In-store payments (Terminal payments)
1630	Pin (Maestro)		In-store payments (Terminal payments)
1633	Pin (V PAY)		In-store payments (Terminal payments)
816	Podium Cadeaukaart		Vouchers & Prepaid
707	Postepay		Credit cards
708	Postepay (High risk)		Credit cards
2151	Przelewy24		Internet Banking
2351	Retourpinnen		In-store payments (Terminal payments)
559	SOFORT Banking (E-commerce)		Internet Banking
574	SOFORT Banking (Digital services)		Internet Banking
595	SOFORT Banking (High risk)		Internet Banking
1987	SprayPay		Payment by Instalment
1600	Telefonisch betalen		Telefonische betalingen
2718	Trustly		Internet Banking
706	VISA		Credit cards
709	VISA (High risk)		Credit cards
1714	VVV Cadeaukaart		Vouchers & Prepaid
1978	WeChat		Wallet Payments
1666	Wijncadeau		Vouchers & Prepaid
2616	Winkel Cheque		Vouchers & Prepaid
1645	YourGift Card		Vouchers & Prepaid

1.3. Payout speed

The speed of the payout depends on your partnership with PAY. The speed will increase automatically in time or when you're receiving more payments. Read here about instant payments and the payout speed per payment method.

1.4. Implementing payment methods

You can create a sales location in the Admin Panel for your webshop / website. In this sales location you can indicate which payment methods you want to offer to your customers.

To implement the selected payment methods in your webshop / website the following options can be used:

• Plugins
• PAY. links
• Donation Links
• SDK developers
• API's developers

2. Alipay

Alipay is a semi-wallet which means that, in contrast to other wallet payments, funds can be easily transfered to other payment methods such as a bank account number or credit card.

PAY: a short introduction Via PAY WeChat and AliPay payments can be accepted easily in your webshop in the check-out section or through the PAY app

2.1. Information

Facts
Category	Wallet Payments
Market	China
Market share	900 million users
Currency	All (automatic conversion to EUR)
Payout	Guaranteed
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	Fullservice (payment and invoicing via PAY.)
Payout speed	After 5 days
Status	Active
Expire time	4 hours
Payment option ID	1978Alipay
Rate ID	1978 Alipay
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Allowed (outside the Euro zone)

Alipay is a Chinese payment method that is available through PAY. This payment option has more than 520 million active users and responds to the increasing group of Chinese consumers in The Netherlands.

Alipay is a semi-wallet developed by tech giant Alibaba. 80% of the Chinese population uses this payment method together with WeChat to make online or physical payments.

2.2. Alipay via QR

Your customers can pay in physical stores with the Alipay Barcode Payments in their Alipay wallet. You start the Alipay transaction in the cash register. The customer opens the Alipay app and selects Alipay as a payment option. The request is then forwarded to a HPP (Hosted Payment Page) with a QR-code displayed. As soon as this code is scanned, the transaction details show up on the display (i.e. company / trade name, the amount and the description of the payment order). In most cases, pressing the ''PAY NOW'' button will do. Sometimes the app requires additional verification with a password, pincode, Face ID or Touch ID.

2.3. Alipay via online

Paying with Alipay is easy. The customer must create an account with Alipay and link their Chinese bank account or credit card. In the online checkout process, the customer chooses Alipay as the payment method. The customer can then scan the QR-code with their smartphone via the Alipay app.

2.4. Alipay scanner

QuickPAY assists in making payments in physical stores. The easiest way to do so, is for a customer to click on the MONEY button in the app. After clicking on this setting, a QR-code will show up. This unique code is valid for as long as the Alipay app is open. If a hand scanner is not present in the store, you can also choose to display the payment code on the screen. With this option a 18-digit code will show up, starting with either the number 10, 11, 12, 13 or 14. The number can be entered manually by the staff member. As soon as the code has been entered, your customer will receive the confirmation via their mobile phone. Sometimes the amount is paid immediately while you can use the PAY NOW button for payments with higher amounts. The app might ask for the pincode before the PAY NOW button can be pressed.

The user's phone must be connected to the internet while making a payment with the app. The speed of the payment depends on the connection. The app usually receives the payment request from the cash register within less than one second.

2.5. Alipay via the PAY. app

The PAY. app easily helps you accept payments through a quick scan. Simply enter the payment information with your mobile phone. The customer can then scan the code with their own mobile phone to accept the payment.

2.6. Activation and payout

You can easily activate payments with Alipay in your webshop via PAY. You can do this by activating Alipay in the Admin Panel. PAY. performs a couple of checks which will take up to a maximum of 48 hours. Once you get through the check, we will register your account in our system. You will automatically receive an e-mail that confirms that your specific payment method has been activated.

Stichting Pay.nl receives and processes Alipay transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Alipay.

3. Amazon Pay

3.1. Information

Facts
Category	Wallet Payments
Market	100+ countries
Market share	33 million Amazon Pay accounts
Currency	10+ different currencies
Payout	Not guaranteed, chargeback is possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount
Clearing	via Amazon Pay
Status	Active
Expire time	4 hours
Payment option ID	1903
Package	Available in the following packages: Professional, Business and Corporate package
Surcharging	Not allowed

Amazon Pay is a payment method developed by Amazon.com. Amazon Pay enables to order products with their Amazon account on external websites. This payment method is quite similar to PayPal.

Amazon Pay is only available for digital services and not for physical goods.

3.2. Payout

PAY. has a distributing role in the transaction process. The end user receives credits via Amazon Pay while the costs for the financial collection are deducted.

Amazon Pay account

To use the Amazon Pay payment method you need an activated Amazon Pay account.

3.3. Refunds

You can perform multiple refunds per transaction. The maximum amount that can be reimbursed to an end user is 100% of the original order amount.

External refund

Starting from the Professional package, it is also possible to create an external refund. The external refund is not linked to the original transaction but will appear as a separate refund in the Admin Panel. To create the external refund, you must have the IBAN number and the name of the account holder.

3.4. Categories

You can use the payment option Amazon Pay if your webshop / sales location sells one of the product categories below.

ID	Name
20	Subscriptions (member service)
6	Reading, DVDs & CDs
49	Gift cards, vouchers, calling credit
52	Consumer purchases (average order value)
85	Deal websites (daily offers and specials)
10	Digital entertainment (gaming & mediums)
55	Digital products (software, downloads)
32	Education & Training
46	Only based on PAY. advice: special consumer products
25	Food & Beverages
24	Health
28	Charity (ANBI status)
31	Music, Films & Games
76	Parking & Reservations
35	Leisure
7	Tickets
9	Business services

3.5. Images

You can use one of the images below, if you want to display the Amazon Pay logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/22.png SVG https://static.pay.nl/payment_profile_brands/100x100/22.svg

3.6. Video

Video	Description
	Amazon Pay: how does it work? Instruction video about the Amazon Pay transaction process.

4. Apple Pay

4.1. Information

Facts
Categories	Wallet Payments
Market	Available in 50+ countries. In the Netherlands through ABN AMRO, ASN Bank, bunq, ING, Knab, Rabobank, Regiobank, Revolut, SNS Bank and Van Lanschot
Market share	Unknown
Currency	EUR
Payout	Not guaranteed, chargeback is possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount
Clearing	via PAY.
Status	Active
Expire time	4 hours
Payment option ID	2277
Package	Available in the following packages: Professional, Business and Corporate package
Surcharging	Allowed in case of an AMEX transaction. If the transaction relates to a credit card or debit card, charging transaction costs is not permitted

Apple Pay offers your customers the possibility to complete transactions with the help of a wallet. This wallet can be connected to multiple Apple devices (i.e. MacBook, iPhone, Apple Watch or iPad). When a payment is made, the card data is retrieved from the Apple device and confirmed with a Touch ID, Face ID or the access code. PAY. then processes the payment(s) made through either a linked debit card (Maestro) or credit card (VISA / Mastercard).

4.2. Activation

To activate Apple Pay in your webshop follow the steps below:

1. Activate package options

• In the Admin Panel select Merchant » Company Information https://admin.pay.nl/my_merchant

• Click on ''Change Package Options''

• Search ''Credit Cards'' in the pop-up window of the Professional Package tab and ensure that the checkbox is checked

• Click on the ''Save'' button on the bottom right corner of the pop-up to save changes

2. Activating Apple Pay

Apple Pay is now available as a payment option in your webshop and / or sales location. To activate the payment option, follow the steps below:

• In the Admin Panel navigate to the tab Sales Locations https://admin.pay.nl/programs/programs

• Select the sales location where you want to activate Apple Pay by clicking on the ''Edit'' button in the options column

• Check the checkbox for the Apple Pay payment option
  

• Click on the ''Submit Changes'' button at the bottom of the page

3. Starting the Boarding Process

Apple Pay is not immediately available for use. First the boarding process is started. After the boarding is succesfully completed, you will receive an e-mail notification. After this notification Apple Pay will be available for use in your webshop or sales location.

In-store payments

There's no need for additional action if you have a PAY. terminal in your physical store you. Your customers can easily pay with Apple Pay via their iPhone or Apple Watch.

4.3. Clearing

E-commerce payment

Apple Pay e-commerce transactions are processed and received through PAY. When making a transaction, money from the specific linked debit (Maestro) or credit card (VISA / MasterCard) is withdrawn. Specific rates and release dates of the relevant debit or credit card will then be applied.

In-store payment

You receive Apple Pay pin transactions via VPAY or Maestro payment cards directly through PAY. You will not receive these payments via PAY. through VISA or Mastercard; this will take place via the supplier with whom you have signed a credit card / PIN contract.

4.4. Costs

Debit and credit card rates are charged differently for in-store and e-commerce transactions.

	payment option	rate	rate charged via
E-commerce payment	Maestro	% per transaction	PAY.
	VISA / MasterCard	% per transaction	PAY.
Instore payment	VPAY and Maestro	0,0x per transaction	PAY.
	VISA / MasterCard	% per transaction	Wordline

4.5. Refunds

E-commerce payment

From the Admin Panel you can transfer an e-commerce Apple Pay payment back to your customer. You can perform multiple refunds per transaction. The maximum amount that can be reimbursed to an end user is 100% of the original order amount.

In-store payment

A PIN transaction via Apple Pay cannot be refunded immediately. For this process it is important to have the IBAN number and the name of the account holder.

4.6. Categories

You can use the payment option Apple Pay if your webshop / sales location sells one of the product categories below.

ID	Name
20	Subscriptions (Member service)
73	Car & Motor (parts)
21	Babies & Kids
22	Beauty & Wellness
6	Reading, DVDs & CDs
49	Gift cards, vouchers, calling credit
23	Gifts & Cards
52	Consumer purchases (average order value less than € 100,-)
85	Deal websites (daily offers and specials)
43	Pets & Accessoires
10	Digital entertainment (Gaming & Mediums)
55	Digital products (sofware, downloads)
11	Digital services(dating)
32	Education & Training
4	Electronics
25	Food & Beverages
70	Invoicing
26	Fashion, Clothes & Shoes
27	Gadgets
24	Health
61	Retailers in precious metals and diamonds
30	Watches & Jewelry
29	Home & Interior
88	Medical supplies
31	Music, Movies & Games
76	Parking & Reservations
5	Jewelry & Accessoires
34	Toys
35	Sports & Leisure
7	Tickets
33	Garden & Tools
36	Travel
37	Deparment stores
9	Business services

4.7. Images

You can use one of the images below, if you want to display the Apple Pay logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/114.png SVG https://static.pay.nl/payment_profile_brands/100x100/114.svg

4.8. Video

Apple Pay Information video about receiving payments via Apple Pay.

5. Bancontact

5.1. Information

Facts
Category	Internet banking
Market	Belgium
Market share	35% of the Belgian population uses Bancontact for their online payments
Currency	Euro
Payout	Guaranteed, reversing a payment is not possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	1 to 7 days
Status	Active
Expire time	4 hours
Payment option ID	436
Package	Available in the following packages: Pioneer, Professional, Business and Corporate package
Surcharging	Not allowed

Bancontact is a Belgian bank payment method that allows your customers to pay with the help of their own familiar banking environment. Bancontact is the Belgian equivalent of iDEAL. It is an extremely popular payment method in Belgium, which makes it a perfect payment option if you target Belgian customers.

Customers obtain a payment card with a card number and expiration date. Data must be entered on the payment screen. The ''digipas'' enables customers to approve a payment through their own banking system.

5.2. Payout

Stichting Pay.nl receives and processes Bancontact transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Bancontact.

5.3. Refunds

It is possible to refund a payment to a Bancontact card.

The maximum amount that can be reimbursed to an end user is 100% of the original order amount + € 30,-.

External refunds

Starting from the Professional package, it is also possible to create an external refund. The external refund is not linked to the original transaction but will appear as a separate refund in the Admin Panel. To create the external refund, you must have the IBAN number and the name of the account holder.

5.4. Customer reference

When a Bancontact payment is successfully authorized, Pay. receives a CustomerID. We put the value of this ID in the CustomerKEY field. By default, the value consists of the PAN. This is the (partly anonymized) card number.

Because the PAN is partially anonymized, you cannot use this to establish relationships with other SEPA transactions such as Sofortbanking & Payment Initiation. Therefore, the value of the CustomerKEY field changes from the PAN to the full IBAN account number.

Current processing of the CustomerID

Route	customerID	customerKEY
A: Standard until 31-11-2022	PAN (670431 ******** 123)	Tokenized PAN
B: Optimisation	IBAN (BE2349399887723)	Tokenized PAN
C: Optimisation	IBAN (BE2349399887723)	Tokenized IBAN

Future processing of the CustomerID

Route	CustomerID	CustomerKEY
C: Standard from 1-12-2022	IBAN (BE2349399887723)	Tokenized IBAN
B: Optimisation	IBAN (BE2349399887723)	Tokenized PAN
A: Optimisation	PAN (670431 ******** 123	Tokenized PAN

5.5. Checkout screen

The Bancontact checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• French
• English

Demo

• View the Bancontact checkout screen

5.6. Participating banks

The following Belgian banks are affiliated with Bancontact:

Name of bank
Argenta Spaarbank NV
AXA Bank Belgium NV
Bank J. Van Breda & Cie NV/SA
Banque CPH SCRL
Banque Nagelmackers SA/NV
Belfius Bank SA/NV
Beobank NV/SA
BNP Paribas Fortis bank SA/NV
CBC Banque SA/NV
Crelan SA/NV
Deutsche Bank AG
Europabank NV
ING Belgium NV/SA
KBC Bank NV/SA
Keytrade Bank SA
VDK Bank NV

5.7. Categories

You can use use the payment option Bancontact if your webshop / sales location sells one of the product categories below.

ID	Name
20	Subscriptions (Member service)
73	Car & Motor (parts)
21	Babies & Kids
22	Beauty & Wellness
28	Charity (ANBI status)
40	Crypto Currency
6	Reading, DVDs & CDs
49	Gift cards, vouchers, calling credit
23	Gifts & Cards
52	Consumer purchases (average order value less than € 100,-)
64	Crowdfunding, peer-to-peer platforms for loans or payments
85	Deal websites (daily offers and specials)
43	Pets & Accessoires
1	Digital entertainment (Adults)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (sofware, downloads)
11	Digital services(dating)
32	Education & Training
4	Electronics
46	Only based on PAY. advice: Special consumer products
25	Food & Beverages
70	Invoicing
26	Fashion, Clothes & Shoes
27	Gadgets
82	Legal psychotropic substances
24	Health
61	Retailers in precious metals and diamonds
30	Watches & Jewelry
29	Home & Interior
88	Medical supplies
31	Music, Movies & Games
76	Parking & reservations
5	Jewelry & Accessoires
34	Toys
35	Sports & Leisure
79	Tobacco & E-cigarettes
7	Tickets
33	Garden & Tools
36	Travel
37	Deparment stores
9	Business services

5.8. Images

You can use one of the images below, if you want to display the Bancontact logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/2.png SVG https://static.pay.nl/payment_profile_brands/100x100/2.svg

5.9. Video

Video	Description
	Bancontact app How to use Bancontact to make a payment via the app.

6. BLIK

BLIK is een betaalmethode die in Polen is ontwikkeld en veel gebruikt wordt voor online betalingen. Het is een wallet die gekoppeld is aan een bankrekening.

Deze betaaloptie is erg populair in Polen omdat het snel, veilig en gemakkelijk te gebruiken is. Op dit moment ondersteunt meer dan 90% van de Poolse financiële instellingen BLIK Payments in hun apps.

6.1. BLIK

Facts
Categorie	Internetbankieren
Markt	Polen
Aandeel	2.5 miljoen gebruikers
Valuta	PLN (automatische conversie naar EUR) of EUR
Betaling	Gegarandeerd, storneren niet mogelijk
Restitutie	Meerdere restituties per transactie mogelijk tot 100%
Clearing	via PAY.
Uitbetaalsnelheid	Tussen 1 en 7 dag(en)
Status	Actief
Expiretijd	4 uren
Betaaloptie ID	2856BLIK
Pakket	Beschikbaar in het Pioneer, Professional, Business en Corporate pakket
Surcharging	Niet toegestaan

6.2. Participating banks

De meeste banken in Polen hebben de BLIK betaaloptie geïntegreerd in hun mobiele bank-apps, waardoor het voor klanten gemakkelijk is om BLIK te gebruiken voor betalingen.

ID	Bankname
1.	Alior Bank
2.	Bank Millennium
3.	Bank Pekao
4.	Bank Polska Kasa Opieki (PKO Bank Polski)
5.	BNP Paribas Bank Polska
6.	Credit Agricole Bank Polska
7.	Getin Bank
8.	ING Bank Śląski
9.	mBank
10.	Nest Bank
11.	Poczta Polska Bank
12.	Raiffeisen Bank Polska
13.	Santander Bank Polska
14.	T-Mobile Usługi Bankowe

6.3. Activation and payout

Een gebruiker kan een betalingen verrichten door een unieke zescijferige code in te voeren die door de app wordt gegenereerd. Als betaling succesvol geautoriseerd wordt roept Pay. de exchange url van uw webshopsysteem aan en zetten we de order op betaald.

Activatie

Met de (gratis) kant-en-klare plugins van PAY. kan jij BLIK simpel en snel aan jouw website of webshop toevoegen. De plugins kan je downloaden via ons Admin Panel. Ga naar Beheren. Vervolgens klik je op Verkooplocaties en dan op Wijzigen. Scroll naar betaalopties en vink Blik aan. Klik vervolgens op Wijzigen. De betaaloptie is direct actief.

Ook activeer je BLIK eenvoudig in onze Plugins. Als je meer flexibiliteit wil, kan je aan de slag met onze geavanceerde API's. Met de API’s kan de betaalmethode gemakkelijk opgehaald worden via onze SDK of Transaction API.

7. Billink

7.1. Information

Facts
Category	Pay Later
Market	The Netherlands
Market share	Unknown
Currency	Euro
Payout	If accepted by Billink, payment is guaranteed
Limit	B2C: between € 250,- and € 500,-. B2B: between € 250,- and € 2.500,- (to increase the limit, contact the PAY. support desk first)
Refund	Multiple refunds per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	18 to 28 days
Status	Active
Expire time	4 hours
Payment option ID	1672 (until € 100,-) and 1675 (from € 100,-)
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not Allowed

Billink is a fast growing payment option that enables your customers to pay for their ordered products and services afterwards. With the help of PAY.'s seamless integration platform, offering Billink in your webshop is done within seconds. Logging into an external system is not necessary.

7.2. Contact details

Please contact Billink's sales department if you have any questions about Billink or if you would like to know how you can offer this payment method in your webshop. For specific questions about an order via Billink, you can ask your customers to contact Billink's customer service.

Contact	Merchants	Consumers
Telephone number:	010 - 414 14 73	010 - 414 14 73
E-mail:	sales@billink.nl	info@billink.nl

7.3. Limit and check

You can pay up to € 250,- (B2C / B2B) with the Billink payment method. Depending on your product and the package that you purchase from PAY. the limit for both B2C (up to € 500,-) and B2B (up to € 2.500,-) can be increased.

Please contact the Billink sales department if you want to receive payments with a higher order amount (more than € 2.500,-):

Phone number:	010-4141473	Opening hours: 08:30 - 17:30
E-mail:	sales@billink.nl	Opening hours: 08:30 - 17:30

7.4. Payout

Stichting Pay.nl receives and processes Billink transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Billink.

7.5. Checkout screen

The Billink checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English
• French

Demo

• View the Billink checkout screen

7.6. Optimize settings

Below you will find an overview of the payment settings for Billink and the packages that enable the activation of these payment settings.

Settings	Pioneer	Professional	Business
Capture moment
Data share

Overview	Decription
	Can be changed by the merchant.
	Can be changed by PAY. or Billink.
	Cannot be changed.

Delayed capturing

The status of a transaction will change to PAID whenever a transaction is accepted by Billink’s credit check. We use the capturing setting for every new connection via PAY. It is set from default to ''immediately after the credit check''. If you do not want to capture automatically, please contact the PAY support desk or change this within the PAY. portal under: Sales locations -> Change -> Billink -> Settings

• Direct (after the credit check)
  

  This is a standard setting for all accounts.

• Through separate promotion (API or Admin)

  Important Disclaimer: If a transaction is accepted by Billink’s credit check, the status changes to AUTHORIZE. You must manually capture or release (cancel) transactions yourself via the Admin Panel (Transactions > Reservations). If you want to deliver delayed with the guarantee that the transaction will be captured, request a change to one of the settings below.

• Automatically after 1 day
• Automatically after 2 days
• Automatically after 3 days
• Automatically after … days
• Automatically after 88 day
• Automatically after 89 days
• Automatically after 90 days

Datashare

Via the data share, with the payment option, you share previous payment experiences of your customer based on an anonymous indicator (-10 to +10) so that you reduce fraud and increase the acceptance rate.

Within the data share there are 3 options:

• No data sharing
• SIMPLE (customerReference + Trust)
• FULL_EXTENDED (data from the related transactions)

7.7. Categories

You can use use the payment option Billink if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
6	Reading, DVDs & CDs
49	Gift cards, vouchers, calling credit
23	Gifts & Cards
52	Consumer purchases (average order value less than € 100,-)
85	Deal websites (daily offers and specials)
43	Pets & Accessoires
32	Education & Training
4	Electronics
46	Only based on PAY. advice: Special consumer products
25	Food & Beverages
26	Fashion, Clothes & Shoes
27	Gadgets
24	Health
61	Retailers in precious metals and diamonds
30	Watches & Jewelry
29	Home & Interior
88	Medical supplies
31	Music, Movies & Games
76	Parking & reservations
5	Jewelry & Accessoires
34	Toys
79	Tobacco & E-cigarettes
35	Sports & Leisure
33	Garden & Tools
36	Travel
37	Deparment stores

7.8. Images

You can use one of the images below, if you want to display the Billink logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/16.png SVG https://static.pay.nl/payment_profile_brands/100x100/16.svg

7.9. General terms and conditions

Document	Description
Billink conditions	The general conditions for the use of Billink

8. EPS Überweisung

8.1. Information

Facts
Category	Internet banking
Market	Austria
Market share	2.5 million users
Currency	All (Automatic conversion to EUR)
Outpayment	Guaranteed, reversing a payment is not possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	1 to 7 days
Status	Active
Expire time	4 hours
Payment option ID	2062EPS Überweisung
Rate ID	2062 EPS Überweisung
Package	Available in the Pioneer, Professional, Business and Corporate package
Surcharging	Not allowed

EPS Überweisung (Electronic Payment Standard) is the Austrian equivalent of iDEAL in The Netherlands. This online payment option was developed by a number of Austrian banks in 2001 and targets Austrian consumers. EPS Überweisung has more than two million card and account holders

EPS Überweisung is a guaranteed online bank transfer. This means that the payment can be tracked in real-time and the funds are guaranteed and collected immediately.

8.2. Activation and payout

When your customer opts to pay via EPS Überweisung and has selected one of the affiliated Austrian banks, our system will redirect them to their own bank’s payment screen. The customer then completes the payment by following the usual steps for internet banking. Once a payment has been completed successfully (or fails), our management system will notify you. You can then immediately proceed with the delivery of the ordered products, if applicable.

Activation

With the (free) and ready-made plugins from PAY. you can quickly add EPS Überweisung to your website or webshop via the Admin Panel. Navigate to "manage", click on services and then on "change service". Scroll to the payment options and then check EPS Überweisung. Lastly, click on "change". You will be able to use this payment option within 24 hours.

EPS Überweisung is also easy to download for various popular systems such as Magento, OpenCart, WooCommerce and more. If you want more flexibility, you can get started with our advanced APIs. With the APIs, the payment method can be easily retrieved via our SDK or Transaction API.

8.3. Participating banks

The following banks are affiliated with EPS Überweisung:

ID	Banknaam
1	Bank Austria
3	Ärztebank
4	Bankhaus
5	Carl Spängler
6	Bankhaus Schelhammer
7	BAWAG
8	Die österreichischen Volksbanken
9	easybank
10	Erste Bank und Sparkassen
11	Gärtnerbank
12	Hypo Alpe Adria
13	Invest
14	Hypo Tirol
15	Immobank
16	Investkreditbank
17	Niederösterreichische Landesbank
18	Oberbank AG
19	Österreichische Apothekerbank
20	PSK Bank
21	Raiffeisen
21	Schoellerbank AG
22	Sparda Bank
23	Sparda-Bank Linz
24	Sparda-Bank Villach
25	Hypo Oberösterreich
26	Hypo Salzburg
27	Hypo Steiermark
28	Vorarlberger Landes-Hypo
29	VR-Bank Brunau

8.4. Checkout screen

The EPS Überweisung checkout screen is responsive, accepts payments in euros and is available in the following languages:

• English
• German

Demo

• View the EPS Überweisung checkout screen

8.5. Images

You can use one of the images below, if you want to display the EPS Überweisung logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/79.png SVG https://static.pay.nl/payment_profile_brands/100x100/79.svg

9. Gift cards

Brand icon	Payment ID	Name	Type	Activation	Open/Closed-loop	Provider
	2622	Biercheque	Vouchers & Prepaid	Upon request, please contact the provider*	Open-loop	Biercheque B.V.
	2607	Bloemen Cadeau	Vouchers & Prepaid	Upon request, please contact the provider*	Open-loop	Bloemen Cadeaukaart B.V.
	2601	DE Cadeaukaart	Vouchers & Prepaid	Upon request, please contact the provider*	Open-loop	Wonderbox NL B.V.
	2670	Dinerbon	Vouchers & Prepaid	Upon request, please contact the provider*	Open-loop	Bon Apetit Internet Services
	815	Fashioncheque	Vouchers & Prepaid	Immediate activation	Open-loop	Fashioncheque
	1669	Fashion Giftcard	Vouchers & Prepaid	Immediate activation	Open-loop	Fashion Giftcard
	2511	Festival Cadeaukaart	Vouchers & Prepaid	Immediate activation	Closed-loop	Festival Cadeau
	812	Gezondheidsbon	Vouchers & Prepaid	Immediate activation	Closed-loop	Gezondheidsbon
	1657	GivaCard	Vouchers & Prepaid	Immediate activation	Closed-loop	GivaCard
	2628	Good4fun	Vouchers & Prepaid	Upon request, please contact the provider*	Open-loop	GOOD4FUN
	2283	Huis & Tuin	Vouchers & Prepaid	Upon request, please contact the provider*	Closed-loop	Huis & Tuin Cadeau B.V.
	2133	Nationale Bioscoopbon	Vouchers & Prepaid	Immediate activation	Closed-loop	Cadeaukaarten Nederland
	2682	Parfum Cadeaukaart	Vouchers & Prepaid	Upon request, please contact the provider*	Open-loop	Parfum Cadeaukaart
	816	Podium Cadeaukaart	Vouchers & Prepaid	Immediate activation	Closed-loop	Stichting Promotie Theater- en Concertbezoek
	1714	VVV Cadeaukaart	Vouchers & Prepaid	Immediate activation	Open-loop	VVV Nederland
	1666	Wijncadeau	Vouchers & Prepaid	Immediate activation	Closed-loop	Wijncadeau
	2616	Winkel Cheque	Vouchers & Prepaid	Upon request, please contact the provider*	Open-loop	Winkelcheque B.V.
	1645	YourGift Card	Vouchers & Prepaid	Immediate activation	Open-loop	YourGift Cards B.V.

*To activate a gift card, please contact the gift card supplier first. PAY. will then receive a signal from the supplier that the card can be activated in your PAY. account.

*The Webshop Giftcard can no longer be connected and is no longer active from 1 May 2021.

9.1. Information

Facts
Categorie	Vouchers & Prepaid
Market	The Netherlands
Market share	Unknown
Currency	Euro
Payments	Guaranteed, no cancellation possible
Refund	One-time refund of 100% of the redeemed value. Up to 14 days after payment.
Clearing	via PAY.
Payout	Between 7 and 21 day(s)
Package	Available in the following packages: Pioneer, Professional, Business en Corporate
Surcharging	Not allowed

Customers can pay online by choosing a gift card of their choice at the check-out. After this step, they will be taken to the payment screen. Here the (19-digit) card number can be entered together with the PIN code that can be found on the back of the card (you can also find the PIN code under a scratch layer or it has been send to you by e-mail). Paying in the physical store is also easy: the gift cards contain a barcode that you can scan with the hand scanner. If your customer wants to pay with a gift card, he/she only needs to scan the barcode.

9.2. Payout

Stichting Pay.nl receives and processes the gift card transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement.

• You need to sign an agreement to use Fashioncheque. You can download the agreement in the Admin Panel once you have activated Fashioncheque as a payment method.

• To use the Webshop Giftcard, you must have a Webshop Giftcard account.

9.3. Refunds

It is possible to refund the amount via PAY. on the Fashioncheque, GivaCard and Webshop Giftcard gift cards. This is possible up to 14 days after the original payment. The credit will then be credited back onto the gift card. This does not apply to the Fashion Gift Card, Festivalcadeau, the Gezondheidsbon, the Nationale Bioscoopbon and the Podium Cadeaukaart.

It is not possible to refund the amount via PAY on the Wijncadeau gift card. To carry out the refund, you must have the customer's IBAN details.

For Fashioncheque and YourGift Card, you can make multiple refunds per transaction. The maximum amount that can be refunded to an end user is 100% of the original order amount + € 30,-.

External Refund

From the Professional package it is also possible to request an external refund. This is not linked to the original transaction, but will appear in the Admin Panel as a separate refund. To carry out an external refund, you must have the IBAN number and the name of the account holder.

9.4. Payments screens

The payment screens are responsive and accept payments in euros.

10. Credit cards

10.1. Rulebooks

When activating the payment method credit card, make sure that:

• You have provided all documentation for a compliant file
• Your file has been checked and accepted
• Your contact details and your Chamber of Commerce number (CoC) are visible on the website
• You have provided an e-mailaddress and telephone number for consumer questions in your merchant connection
• You have placed general terms and conditions on your website that comply with the legislation and regulations

Make sure that you register every sales location at PAY. Use the correct category and a clear description of your entered offer. PAY. will then categorize your request in one of the ''Merchant Category Codes'' (MCC). An incorrectly used MCC code will result in a faulty description on your customer's statement. This can lead to a lower success rate (since more payments are rejected) or it can lead to fines that can potentially be imposed by credit card companies.

If you registered the payment method ''credit card'' on a sales location and the payment method gets rejected in the process (because your website does not comply with the above rules), then you will receive a review fee of € 50,-. This review fee will be charged every time the above situation occurs.

Document	Description
Visa rules and regulations	Rules for using a Visa credit card.
Mastercard rules and regulations	Rules for using a Mastercard credit card.
Mastercard security rules & procedures	Security rules for using a Mastercard credit card.

10.2. PCI-DSS obligations

Offering credit cards as payment method means that you have to meet additional security requirements and guidelines as determined by the credit card companies. Guidelines and requirements are set in order to prevent customer or card details and / or data being stolen or misused. If card data comes into the wrong hands, it can be used by third parties to make purchases on legitimate websites. In some cases, an additional 3D secure (3DS) verification is required, which may result in unauthorized payments.

Document	Description
VISA merchant levels on PCI-DSS	Visa's view on PCI-DSS requirements.
Mastercard merchant levels on PCI-DSS	Mastercard's view on PCI-DSS requirements.

The PAY. checkout screen

If you use the standard PAY. checkout screen, you must also comply with the PCI-DSS rules as determined by the credit card companies. If your technology is not sufficiently secured, card data can still be stolen (i.e. because your customer is redirected to a page of an external party and not to a PAY. page). If you follow the steps, you will learn what measures to take. Naturally, the efforts required when using our payment screen are smaller. This is in contrast to processing the card details on / via your own platform.

Self assesment & ASV

For most entrepreneurs, relatively little extra effort is required. Usually a Self Assessment Questionnaire (SAQ) (which you periodically fill in yourself) and a check of your systems by an approved Scanning Vendor (ASV) is sufficient enough.

Documents	Description
SAQ Guidlines V3.2	Self Assesment Guidelines.
PCI security standards ASV List	Overview of approved Scanning Vendors.

Non-compliance

Credit card companies can hold you liable or impose fines if you proof to be non-compliant. Being non-compliant means that you do not comply with the rules as stated by the credit card companies. This also applies to violations of the PCI-DSS standards. In most cases, an investigation is started as soon as reports are received. However, random checks can also be carried out. There is a viable chance that you will be investigated if, for example, the map data that has been misused can be traced back to your company. You will receive a fine if you are unable to provide proof that you are PCI-DSS compliant.

10.3. Checkout screen

All payment screens are responsive, accept payments in various currencies and are available in the following languages:

• Dutch
• German
• English
• French
• Italian
• Spanish
• Turkish

Demo

• View the Mastercard / VISA checkout screen
• View the Carte Bleue checkout screen
• View the Postepay checkout screen

10.4. Client Side Encryption

If you use the Business package and your own implementation and if you want to activate Client Side Encryption (CSE), please send an email with the following information:

Subject	Request Client Side Encryption
Merchant code	M-....-....
Total number of credit card transactions (this year)	for example 5.000

Merchant code

Navigate to the Admin Panel. Click on the "Merchant" tab. Then press "Company details". The Merchant code can be found at the top of the page.

A total number of credit card transactions

Navigate to the Admin Panel. Click on the "Reports" tab. Then press "Credit card". The total number of your credit card transactions can be found in the second table on the bottom green line.

How we process your request

A boarding employee will process your application based on the total number of processed credit card transactions. Based on that number, you will be ranked in a PCI DSS Compliance Level. This level determines what additional documentation you have to submit for approval. You will receive the request to submit these documents when your application has been processed by a boarding employee.

10.5. 3D Secure

Frauduleuze transacties leiden tot extra kosten. Met de 3D Secure technologie bieden creditcardaanbieders beveiliging voor online creditcardbetalingen door de identiteit van klanten extra te controleren. Met deze verificatiemethode bevestigen kaarthouders een online creditcardbetaling met een speciale code, een wachtwoord of met een biometrische oplossing zoals een vingerafdruk of gezichtsherkenning. 3D Secure is een standaard voor American Express, Mastercard en Visa creditcards om veilig betalen via internet mogelijk te maken.

SafeKey van American Express

Creditcards van American Expres zijn standaard voorzien van SafeKey, een extra beveiligingsmaatregel die door middel van 3D Secure technologie zowel kaarthouders als (web)winkeliers beschermt tegen fraude.

Het authenticatieproces via SafeKey start zodra de kaarthouder online een aankoop doet. Dankzij de technologie wordt een SafeKey-transactie verzoek verstuurd naar de American Express Directory Server (DS) die het verzoek doorstuurt naar de server van de kaartuitgever. Vervolgens hanteert de kaartuitgever geavanceerde risicomodeltechnieken om de identiteit van de kaarthouder te bevestigen. Zodra de identiteit is gecheckt en bevestigd, wordt de kaarthouder gevraagd om zich te identificeren via een eenmalige verificatiecode (e-mail of SMS).

Mastercard Identity Check

Als (web)winkelier accepteer je steeds meer online betalingen. Daarom moet je er verzekerd van zijn dat elke transactie veilig is wanneer deze met een creditcard wordt betaald. Mastercard gebruikt hiervoor de Mastercard Identity Check. Deze extra beveiliging maakt online creditcardbetalingen veiliger voor jouw klanten en jou.

Bij het voltooien van een aankoop in jouw webshop met een Mastercard creditcard wordt de kaarthouder gevraagd om zijn/haar identiteit via de app van Mastercard vast te stellen door middel van een vingerafdruk of biometrische oplossing. Op het moment dat de online identificatie wordt bevestigd, wordt de transactie geaccepteerd.

Visa Secure

Om veilige online betalingen via creditcards mogelijk te maken, zijn alle creditcards van Visa standaard voorzien van Visa Secure (voorheen Verified by Visa).

Met behulp van Visa Secure kunnen kaarthouders op twee manieren online betalen, namelijk via een SMS-code of door de transactie te bevestigen in de app. Heeft de kaarthouder biometrie aangezet in de app? Dan kan hij via zijn smartphone, die gebruik maakt van iOS als besturingssysteem, de betaling in de app afronden met een vingerafdruk of met gezichtsherkenning. Maakt de kaarthouder gebruik van een smartphone met Android als besturingssysteem? Dan kan de betaling met een vingerafdruk worden voltooid.

LVP exemption

Een betaling tot 30 euro, mag zonder verplichte SCA worden verwerkt. Indien je hiervoor kiest en er komt een chargeback met een fraude reden, dan ben je aansprakelijk voor de kosten. Uiteraard kun je tegen de chargeback in verweer als je voldoende zekerheid hebt dat de kaarthouder echt zelf de betaling heeft uitgevoerd.

Challenge & Frictionless

Een authenticatie kan worden uitgevoerd op de challenger of frictionless flow. Bij Frictionless wordt er data vanuit de browser naar de bank verzonden om zo te proberen de betaler als 'bekend' aan te merken. Indien er voldoende data is, kan de bank beslissen om de betaling te bevestigen zonder extra vragen (challenging). Indien dit niet lukt, volgt de challenger flow. Er wordt in de meeste gevallen een popup getoont, met het verzoek om in een APP een bevestiging uit te voeren, of een pinconde in te voeren. Uiteraard zorgt de frictionless flow voor een hogere conversie.

Challenge afdwingen

Via de optimize setting kun je proberen te beinvloeden hoe een betaling wordt geautoriseerd, de uiteindelijke beslissing ligt altijd bij de issuing bank.

• 01 - Standaard: Bank bepaald
• 02- Voorkeur tot frictionless: Merchant wil liever frictionless
• 03- Voorkeur tot challanger: Merchant wil liever de challanger flow, maar als de bank dit niet biedt, mag er worden teruggevallen op frictionless
• 04 -Challenger verplicht: Indien de bank geen challenger aanbiedt, wordt de authenticatie afgebroken

10.6. Fraud prevention

In the field of online payments, credit cards carry a certain risk. PAY.'s advanced fraud detection and prevention system ensures that the number of fraud cases is kept to a minimum, so that safe and fast online payments can take place for both the customer as the merchant.

How does it work?

In case of a credit card transaction a risk analysis - which is based on a large number of factors - is automatically conducted. Deviating transactions are monitored in real-time and checked by the Risk department. Based on these factors, PAY. can estimate whether a transaction should and / or can be continued.

Conducting the risk assessment is very precise work, which is why PAY. will gladly do it for you. This means that you will always be assured that your transactions are carefully looked after.

Creditcard status: VERIFY

Creditcard status: verify

If our fraud prevention system identifies a credit card transaction as 'increased risk', the transaction will be given the temporary status VERIFY (see Figure: Creditcard status: verify). Our team of specialists then performs an additional check and if necessary, contacts the merchant and then approves the payment to PAID or changes it to CANCEL. Until then, the status in your webshop will still be PENDING; the end user will not take any notice of the process as explained above.

Video	Description
	Fraud prevention Fraud prevention instruction video: how does the PAY. credit card control process work?

10.7. Chargebacks

The burden of proof lies with the entrepreneurs when a consumer or their bank questions a credit card payment. The entrepreneur will then have the opportunity to demonstrate that the consumer has in fact executed the transaction and that the products or services have been received.

PAY. is happy to help you in such matters. If we fail to convince the supplier with the burden of proof, the transaction amount will be retained. The consumer will get their money back and the following chargeback costs will be calculated:

A chargeback can be requested by the consumer up to 180 days after the appointment for delivery of the product or service. If fraud is involved, a longer period can be applied.

A chargeback always costs money. Even if you are fully in your right, costs will be charged. Please ensure good communication with your customers and support with any complaints from their side.

Charge costs from the customer

If a customer carries out a chargeback without a valid reason, the chargeback still needs to be handled by you. If you include in your terms and conditions that the buyer is liable for costs in case of a faulty chargeback, then you can try to charge these costs onto the account of your customer.

10.8. Authorization

It is possible to make a credit card reservation. Once the customer has successfully completed the payment process, the transaction will receive the status AUTHORIZE and not the status PAID . You then have 14 days to convert this reservation into a payment (capture). If you do not take any action, the transaction will be canceled automatically (void).

10.9. Refund autorisation

Visa Mastercard has changed the way refunds are processed. Previously, a processed refund was deposited after a few working days into the credit card balance of the cardholder. The cardholder was usually unaware of the current refund status during this time and only saw the refund in the balance when it was received by the bank.

In order to give cardholders insight into their current refund status, the issuer (the consumer's bank) makes an authorization/reservation on the balance with a refund (as they are used to with a credit card purchase). As long as this reservation is visible, the consumer knows that the refund has not yet been received by the bank.

This authorization contains the same amount as the refund. If an AF is shown on the credit card balance it could lead to questions. You can reassure the cardholder that this authorization will automatically disappear once the refund has been received by the issuer and once it has been deposited into the credit card balance.

10.10. Images

You can use one of the images below, if you want to display the credit card logo on your website or webshop.

40x26	50x32	20x20	25x25	50x50	75x75	100x100
HTTP Request https://static.pay.nl/payment_profiles / dimension / 706.png

Replace dimension in the URL above with one of the available dimensions.

10.11. Payout

Stichting Pay.nl receives and processes credit card transactions from various acquirers to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement. If you obtain more than € 1.000.000,- per credit card company per year, then we must set up additional agreements for you.

10.12. American Express

Facts
Category	Credit cards
Market	Worldwide, higher segment consumers
Market share	In the Netherlands, 15% of the purchases are made through AMEX credit cards
Currency	All
Payout	Not guaranteed, chargeback is possible
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	Fullservice (payment and invoicing via PAY.)
Payout speed	5 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	1705
Package	Available in the following packages: Business and Corporate
Surcharging	Allowed

American Express (AMEX) belongs to one of the three largest credit card companies in the world. AMEX is a widely used payment option, both for online and offline payments.

Every American Express card is equipped with the extra ''Safe Key'' security measure. Cardholders can only make payments with this security check if the bank or card issuer actually adds the specific service to the card. In some cases, when paying with American Express (and in addition to the card details), you will be asked to enter additional details. In most cases this concerns a password or a number of code digits on the back of the card.

Activating American Express

American Express (AMEX) activation

• In the Admin Panel, go to the tab Merchant » Company details https://admin.pay.nl/my_merchant.

• In the agreement you will find the tab Package.

• Click on ''Change package options'' and click on the Business (M) or Corporate (L) package at the top.

• If you scroll to the package options for the Business (M) package you will see the ''AMEX'' option Figure: Activating American Express.

• Select ''AMEX'' and click on the ''Add'' button.

Images

You can use one of the images below, if you want to display the American Express logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/9.png SVG https://static.pay.nl/payment_profile_brands/100x100/9.svg

10.13. Mastercard

Facts
Category	Credit cards
Market	Worldwide
Market share	960 million card holders
Currency	All
Payout	Not guaranteed, chargeback is possible
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	5 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	706 and 709 (High risk)
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

Mastercard is the second largest credit card provider in the world next to Visa that has a larger market share with 1.3 billion cardholders. Mastercard and Visa cover 95% of the international market and are therefore indispensable if you want to offer your products or services internationally.

Mastercard transactions are handled in 95% of cases based on the additional security check ''Mastercard SecureCode''. This is a 3D secure technology that ensures an additional security check is performed during the transaction process.

Images

You can use one of the images below, if you want to display the Mastercard logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/8.png SVG https://static.pay.nl/payment_profile_brands/100x100/8.svg

Company logo

Mastercard advises merchants to upload their company logo on the Mastercard logo microsite via this link.

Issuers (card issuing banks) can download these logos and display them in their banking apps. Ultimately, this can prevent chargebacks that result from cardholders not recognizing their transaction or transactions on their payment statement.

Mastercard Monitoring Programs

Mastercard has several programs for reviewing merchants. The credit card company has obtained its own method for reviewing fraud numbers (Sales2Fraud) and (Chargeback2TRX) ratios. Mastercard's method differs from Visa, AMEX and from PAY.'s Fair Use policy.

• Fraud and chargebacks ratios are calculated and based on the volume of a month against the fraud and chargebacks reported in the following month.
• Tressholds are determined by both the ratio and the effective volume.
• There is no time for Low risk merchants to recover via the standard route without financial consequences. Merchants with High risk are placed directly in a program.
• The programs start as soon as tressholds are exceeded for two consecutive months.

Global Merchant Audit Program (GMAP)

You will undergo the Mastercard's GMAP program if you have too many frauds or chargebacks for two consecutive months.

TIER	Minimum	Volume	Percentage fraud2sales
TIER 1	3 transactions	€ 3.000,-	3,0% to 4,99%
TIER 2	4 transactions	€ 4.000,-	5,0% to 7,99%
TIER 3	3 transactions	€ 5.000,-	> 8,0%

Chargeback Merchant Monitoring (CMM)

Takes effect after you have exceeded the charge back limits.

• From 100 Chargebacks
• From 1.0% chargeback to sales ratio

Mastercard's Excessive Chargeback Merchant (ECM)

Takes effect after you have exceeded the batch back limits for two consecutive months.

• From 100 Chargebacks
• From 1,5% chargeback to sales ratio

Excessive Chargeback Program (ECP) If you reach the status of Excessive Chargeback Merchant (ECM), you could be placed in the Excessive Chargeback Program (ECP). Watch the video for more information.

Fraud monitoring strategy (EFM)

Mastercard uses an Excessive Fraud Merchant (EFM) compliance program in the United States. The program started in October 2019. It is likely that the EFM program will also be rolled out to other regions. The EMF program will start as soon as the limits are exceeded. The following conditions will apply:

• At least 1,000 e-commerce transactions
• At least $ 50.000,- monthly net fraud revenue reported
• At least 0.50% monthly fraud ratio
• 3D secure and / or data-only transactions are less than 10% of the total card-not-present volume

Mastercard calculates this on a monthly basis. If you have 1001 transactions and 100 of these transactions are considered to be fraudulent (due to your preferences, Merchant Initiation or Customer Initiated) because you have executed more than 10% without 3D secure.

10.14. Carte Bleue

Facts
Category	Credit cards
Market	France
Market share	60 million cardholders
Currency	Euro
Payout	Not guaranteed, chargeback is possible
Restitutie	One refund per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	5 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	710 and 711 (High risk)
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

Carte Bleue is the most popular online payment method in France. This should come as no surprise as Carte Bleue has more than 60 million cardholders. A big part of these cards are supported by Visa and can therefore be used for online payments. All Carte Bleue cards that are supported by Visa can be used to make payments via the payment system of PAY. in your online webshop. With its tremendous reach, Carte Bleue is a must for the e-commerce entrepreneur who targets French customers.

Carte Bleue transactions are in many cases handled with an extra security check called ''Verified by Visa'' and its 3D secure technology that ensures an additional security check is performed in the transaction process.

Images

You can use one of the images below, if you want to display the Carte Bleue logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/11.png SVG https://static.pay.nl/payment_profile_brands/100x100/11.svg

10.15. Visa

Facts
Category	Credit cards
Market	Worldwide
Market	1.3 billion cardholders
Currency	All
Payout	Not guaranteed, chargeback is possible
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	5 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	706 and 709 (High risk)
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

Visa is the largest credit card provider which makes it a widely used payment option, both online and offline. In Europe alone Visa has nearly 250 million cardholders. As with other credit card companies, the consumer can purchase products or services with Visa in your webshop or physical store and pay for it afterwards. The amount is not directly debited from the account, but later billed by the card company to the consumer.

Visa transactions are handled in 95% of cases based on the additional security check ''Verified By Visa'', a 3D secure technology that ensures an additional security check is performed during the transaction process.

Images

You can use one of the images below, if you want to display the Visa logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/34.png SVG https://static.pay.nl/payment_profile_brands/100x100/34.svg

Visa Monitoring Programs

Visa has several programs for reviewing merchants. The credit card company has obtained its own method for reviewing fraud numbers (Sales2Fraud) and (Chargeback2TRX) ratios. Visa's method differs from Masteracrd, AMEX and from PAY.'s Fair Use policy.

• Fraud and Chargebacks ratios are calculated and based on the basis of the processed payment transactions of a month, compared to the reported chargebacks and fraud reports in the same month
• Only the first 10 fraud reports or chargebacks from the same cardholder count.
• Tressholds are determined whether they affect both the ratio and the minimum effective value.
• Visa sends an early warning (without consequences) if there is a slight violation, but if you directly touch Standard or Excessive, the program starts immediately.
• For Low risk merchants there is time for recovery via the standard route without financial consequences. Merchants with High risk are placed directly in a program
• Visa can still judge a merchant as High Risk on an individual basis.
• Domestic transactions (the merchant's country is the same as the cardholder's country) are excluded within Europe.

Visa Fraud Monitoring Program (VFMP)

The Visa fraud prevention program starts if a month exceeds the following limits:

Program	Sales2Fraud ratio (before oct-19)	Sales2Fraud ratio (from oct-19)	Net fraud value
Early warning	0,75%	0,65%	€ 50.000,-
Standard	1,0%	0,9%	€ 75.000,-
Excessive	2,0%	1,8%	€ 250.000,-

Visa Chargeback Monitoring Program (VCMP)

The Visa chargeback prevention program starts if a month exceeds the following limits. You serve both the number as the percentage to be achieved before you sign up for the program:

Program	Chargeback2TRX ratio (before oct-19)	Chargeback2TRX ratio (from oct-19)	Number of chargebacks
Early warning	0,75%	0,65%	75
Standard	1,0%	0,9%	100
Excessive	2,0%	1,8%	1000

If you are classified as High Risk, you will be placed in the program directly from the standard.

10.16. Postepay

Facts
Category	Credit cards
Market	Italian
Market share	8,8 million cardholders
Currency	Euro
Payout	Not guaranteed, chargeback is possible
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	5 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	707 and 708 (High risk)
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

The Postepay payment card was developed by a major Italian mailorder company. With the increase in e-commerce and the lack of one simple payment method for Italy, the organization took the chance to create one of the most popular national payment methods called Postepay.

Every Italian customer can purchase a Postepay payment card via the website or at the postal offices. A bank account is not required for this payment method. The user can top up the card at any time. During the payment process, an extra security check is performed with the 3D secure technology.

Images

You can use one of the images below, if you want to display the Postepay logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/10.png SVG https://static.pay.nl/payment_profile_brands/100x100/10.svg

10.17. Nexi

Facts
Category	Credit cards
Market	Italy
Market share	53%
Currency	Euro
Payout	Not guaranteed, chargeback is possible
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	5 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	1945 and 1948 (High risk)
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

If you focus on the Italian market, Nexi is an indispensable payment option. 53% of the credit card payments in Italy are made with Nexi.

Images

You can use one of the images below, if you want to display the Nexi logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/76.png SVG https://static.pay.nl/payment_profile_brands/100x100/76.svg

-->

10.18. Dankort

Facts
Category	Credit cards
Market	Denmark
Market share	5,6 million cardholders
Currency	Euro
Payout	Not guaranteed, chargeback is possible
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	5 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	1939 and 1942 (High risk)
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

Dankort is Denmark's national payment card. More than 80% of the Danish population (5,6 million cardholders) has access to this payment card. Dankort is an indispensable payment option if you are targeting the Danish consumer market.

Images

You can use one of the images below, if you want to display the Dankort logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/58.png SVG https://static.pay.nl/payment_profile_brands/100x100/58.svg

10.19. Error codes

In general the code 00 is being used for successful transactions.

There are different error codes. 05 is the most common error code. For a complete overview, please view the table below:

Code	Description
01	Declined - Call issuer
04	Declined - Pick up card
05	Declined - Do not honor
10	Declined - Partial approval
12	Declined - Invalid transaction
13	Declined - Card amount invalid
14	Declined - Card number is invalid
15	Declined - No such issuer
19	Declined - Re-enter
51	Declined - Insufficient funds
54	Declined - Card expired
57	Declined - Service not allowed
61	Declined - Customer exceeds withdrawal limit
62	Declined - Restricted SIC code
63	Declined - Restricted
65	Declined - Customer exceeds activity limit
78	Declined - No accounts
97	Declined - CVV mismatch

11. CreditClick

11.1. Information

Facts
Category	Payment by instalment
Market	The Netherlands, Germany
Market share	Unknown
Currency	Euro
Payout	After accepting the transaction, CreditClick takes over the entire credit risk
Limit	From € 250,- to € 1.000,-
Refund	Multiple refunds per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	2 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	2107
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

CreditClick offers consumers the opportunity to pay for their online pruchases in instalments. CreditClick has obtained an AFM license. This allows consumers to pay for their online purchases that are priced from € 250,- to € 1.000,- in monthly instalments.

11.2. Contact details

Please contact CreditClick if you have any questions about CreditClick or if you would like to know how you can offer this payment method in your webshop. For specific questions about an order via CreditClick, you can ask your customers to contact the customer service of CreditClick.

Contact	Merchants	Consumers
Telephone number:	020 - 299 81 64	020 - 299 81 64
E-mail:	info@creditclick.com	info@creditclick.com

11.3. Limit and check

CreditClick performs realtime credit checks after a started transaction to determine whether the transaction is eligible for payment by instalments. After approval, CreditClick takes over the entire credit risk. By default you can pay between € 250,- and € 1.000,-.

11.4. Clearing

Stichting Pay.nl receives and processes CreditClick transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with CreditClick.

11.5. Categories

You can use the payment option CreditClick if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
28	Charity (ANBI status)
64	Crowdfunding, peer-to-peer platforms for loans or payments
85	Deal websites (daily offers and specials)
55	Digital products (software, downloads)
32	Education & Training
4	Electronics
26	Fashion, Clothes & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
29	Home & Deco
70	Invoicing
5	Jewelry & Accessoires
88	Medical supplies
31	Music, Movies & Games
46	Only based on PAY. advice: Special consumer products
9	Other business services
76	Parking & Reservations
43	Pets & Accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
34	Toys
36	Travel
30	Watches & Jewelry

11.6. Images

You can use one of the images below, if you want to display the CreditClick logo on your website or webshop.

PNG icoon	SVG icoon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/99.png SVG https://static.pay.nl/payment_profile_brands/100x100/99.svg

11.7. Documents

Document	Description
CreditClick rules and regulations	CreditClick rules and regulations

12. Giropay

12.1. Informatie

Facts
Category	Internet banking
Market	Germany and Austria
Market share	40 million accounts (80% of the German market)
Currency	Euro
Payout	Guaranteed, reversing a payment is not possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	1 to 7 days
Status	Active
Expire time	4 hours
Payment option ID	694
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

Giropay is a popular online payment method in Germany which is why it's also an interesting payment method to target the German consumer market. The payment process is very similar to that of iDEAL. It is safe and trusted and runs entirely through the consumer's internet banking environment.

Almost 80% of German consumers have the option to pay via Giropay, which makes it an indispensable payment option for the German market. Recently Giropay has also become available in Austria where the number of users is growing steadily.

12.2. Payout

Stichting Pay.nl receives and processes Giropay transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Giropay.

12.3. Refunds

From the Admin Panel you can directly refund a Giropay payment to the end user's account.

You can perform multiple refunds per transaction. The maximum amount that can be reimbursed to an end user is 100% of the original order amount + € 30,-.

External refunds

Starting from the Professional package it is also possible to create an external refund. The external refund is not linked to the original transaction but will appear as a separate refund in the Admin Panel. To create the external refund, you must have the IBAN number and the name of the account holder.

12.4. Checkout screen

The Giropay checkout screen is responsive, accepts payments in euros and is available in the following languages:

• German

Demo

• View the Giropay checkout screen

12.5. Participating banks

The following German banks are affiliated with Giropay:

Name of bank
Sparkasse
Volksbanken Raiffeisenbanken
Postbank
Comdirect
BB Bank
MLP Bank
PSD Bank
Deutsche Kreditbank AG

12.6. Categories

You can use the payment option Giropay if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto Currency
85	Deal websites (daily offers and specials)
1	Digital entertainment (Adults)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digital services (dating)
4	Electronics
32	Education & Training
25	Food & Beverages
26	Fashion, Clothing & Shoes
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
24	Health
29	Home & Deco
5	Jewelry & Accessoires
82	Legal psychotropic substances
31	Music, Movies & Games
46	Only based on PAY advice: Special consumer products
9	Other business services
76	Parking & Reservations
43	Pets & Accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (Member service)
7	Tickets
79	Tobacco & E-cigarettes
34	Toys
36	Travel
30	Watches & Jewelry

12.7. Images

You can use one of the images below, if you want to display the Giropay logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/3.png SVG https://static.pay.nl/payment_profile_brands/100x100/3.svg

12.8. Documents

Document	Description
Giropay rules and regulations	The general terms and conditions for using Giopay.

12.9. Video

Video	Description
	Paying with Giropay Giropay instruction video: how does a Giropay transaction work?

13. Google Pay™

13.1. Information

Facts
Categorie	Wallet Payments
Market	Contactless payments with Google Wallet are available in 25+ countries. Online payments with Google Wallet are available in 50+ countries.
Market share	Unknown
Currency	EUR
Payout	Not guaranteed, chargeback is possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount
Clearing	via PAY.
Status	Active
Expire time	4 hours
Payment option ID	2277
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Allowed in case of an AMEX transaction. If the transaction relates to a credit card or debit card, charging transaction costs is not permitted.

Links to Google Wallet Documentation

Document
Google Wallet Web developer documentation
Google Wallet Web integration checklist
Google Wallet Web Brand Guidelines

Google Wallet offers your customers the opportunity to complete transactions via a linked Android device or a smartwatch. When making a payment, the card details are taken from the Google Wallet account. PAY. then receives this data and processes the payment(s) based on the linked payment method (Visa, Mastercard or PayPal).

13.2. Activation

Activate Google Pay on a service

To activate Google Wallet in your webshop follow the steps below:

1. Activate option: Creditcards

• In the Admin Panel select Merchant » Company information https://admin.pay.nl/my_merchant.

• Click on ''Change Package Options''.

• Search ''Credit Cards'' in the pop-up window of the Professional Package tab and ensure that the checkbox is checked.

• Click on the ''Save'' button on the bottom right corner of the pop-up to save changes.

2. Activating Google Wallet

Google Wallet is now available as a payment option in your webshop and / or sales location. To activate the payment option, follow the steps below:

• In the Admin Panel navigate to the tab Sales Locations https://admin.pay.nl/programs/programs.

• Select the sales location where you want to activate Google Wallet by clicking on the ''Edit'' button in the options column.

• Check the checkbox for the Google Wallet payment option.
  

• Click on the ''Submit Changes'' button at the bottom of the page.

3. Starting the Boarding Process

Google Wallet is not immediately available for use. After activating Google Wallet in the sales location, a boarding process is started. If the boarding is successfully completed, you will receive a notification by e-mail. Google Wallet will then be available for use in your webshop or sales location.

In-store payments

You don’t have to take any further action if you use a PAY. terminal. Your customer can simply pay with Google Wallet via their Android device.

13.3. Clearing

E-commerce payments

You will receive a Google Wallet transaction via PAY. In the process of a transaction, we determine which payment method has been used to complete the transaction. This can be done with either Visa, Mastercard or PayPal. Please keep in mind that the rates and release periods of the relevant payment methods apply.

In-store payments

You will not receive Google Wallet payments via PAY. that have been facilitated with the payment methods Visa or Mastercard. You receive these payments via the supplier with whom you have a PIN contract. You will however receive Google Wallet payments made with PayPal via PAY.

13.4. Costs

Debit and credit card rates are charged differently for in-store and e-commerce transactions.

	Payment option	Rate	Rate charged via
E-commerce payment	Maestro	% per transaction	PAY.
	Visa / Mastercard	% per transaction	PAY.
In-store payment	V PAY en Maestro	0,0x per transaction	PAY.
	Visa / Mastercard	% per transaction	Wordline

13.5. Refunds

E-commerce payment

In the Admin Panel you can transfer a Google Wallet payment back to your customer. You can perform multiple refunds per transaction. The maximum amount that can be reimbursed to an end user is 100% of the original order amount.

In-store payment

A PIN transaction via Google Wallet cannot be refunded immediately. For this process it is important to have the IBAN number and the name of the account holder.

13.6. Categories

You can use the payment option Google Wallet if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
52	Consumer purchases (average order value less than € 100,-)
85	Deal websites (daily offers and specials)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digitale services (dating)
32	Education & Training
4	Electronics
26	Fashion, Clothes & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers & calling credit
24	Health
29	Home & Deco
70	Invoicing
5	Jewelry & Accessoires
88	Medical supplies
31	Music, Movies & Games
9	Other business services
76	Parking & Reservations
43	Pets & Accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
34	Toys
37	Shopping
35	Sports & Leisure
20	Subscriptions (Member service)
7	Tickets
36	Travel
30	Watches & Jewelry

13.7. Images

You can use one of the images below, if you want to display the Google Pay logo on your website or webshop.

PNG icoon	SVG icoon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/176.png SVG https://static.pay.nl/payment_profile_brands/100x100/176.svg

40x26	50x32	20x20	25x25	50x50	75x75	100x100
HTTP Request https://static.pay.nl/payment_profiles / dimension / 2558.png

Replace dimension in the URL above with one of the available dimensions.

Links to Google PAY Brand images

Document
Google Pay Android brand guidelines
Google Pay Web brand guidelines

14. iDEAL

14.1. Information

Facts
Category	Internet banking
Market	The Netherlands
Market share	13 million connections, 55% of Dutch online payments take place via the iDEAL payment method
Currency	Euro
Payout	Guaranteed, reversing a payment is not possible
Transaction limit	Between € 0,01 and € 10.000,- (from Business package to a maximum of € 50,000,-)
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	1 to 7 days
Status	Active
Expire time	30 minutes
Payment option ID	10
Pakket	Available in the following packages: Pioneer, Professional, Business and Corporate package
Subcharging	Not allowed

Your customers can pay safely and easily with iDEAL through their own trusted banking environment. All Dutch banks offer this payment method: it's easy to use, fast and the iDEAL logo is widely known amongst consumers. The low costs per transaction also make iDEAL an appealing payment method for entrepreneurs.

14.2. iDEAL availability

If you receive signals from customers who are unable to pay with iDEAL or if they alert you that they are receiving an error message in the payment screen, please check this information page about the general availability of iDEAL or this item about participating banks.

14.3. Payout

Stichting Pay.nl receives and processes iDEAL transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with iDEAL.

14.4. Checkout screen

The iDEAL checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English

Demo

• View the iDEAL checkout screen

14.5. QR-Code

Your customers can scan a standardized QR-code to make and finalize an iDEAL payment.

iDEAL QR-code

Video	Description
	iDEAL QR-code iDEAL instruction video: how does the QR-code work with iDEAL?

iDEAL QR-code

The iDEAL QR-codes can be scanned with the following apps:

	App	URL image
	Knab	Large image: https://static.pay.nl/app/qr-12.png Icon: https://static.pay.nl/app/qr-icon-12.png
	Rabobank	Large image: https://static.pay.nl/app/qr-2.png Icon: https://static.pay.nl/app/qr-icon-2.png
	ING	Large image: https://static.pay.nl/app/qr-4.png Icon: https://static.pay.nl/app/qr-icon-4.png
	ABN AMRO	Large image: https://static.pay.nl/app/qr-1.png Icon: https://static.pay.nl/app/qr-icon-1.png
	iDEAL	Large image: https://docs.pay.nl/files/shares/qr_ideal.png Icon: https://docs.pay.nl/files/shares/qr_icon_ideal.png
	ASN Bank	Large image: https://static.pay.nl/app/qr-8.png Icon: https://static.pay.nl/app/qr-icon-8.png
	Regio Bank	Large image: https://static.pay.nl/app/qr-9.png Icon: https://static.pay.nl/app/qr-icon-9.png
	SNS Bank	Large image: https://static.pay.nl/app/qr-5.png Icon: https://static.pay.nl/app/qr-icon-5.png
	Reguliere camera's en QR scanners	https://static.pay.nl/app/app-icon-camera.png

14.6. Participating banks

The following Dutch banks are affiliated with iDEAL:

ID	Name of Bank	Icon	Logo	BIC	Status
1	ABN AMRO			ABNANL2A	Active
2	Rabobank			RABONL2U	Active
4	ING Bank			INGBNL2A	Active
5	SNS Bank			SNSBNL2A	Active
8	ASN Bank			ASNBNL21	Active
9	RegioBank			RBRBNL21	Active
10	Triodos Bank			TRIONL2U	Active
11	Van Lanschot Bankiers			FVLBNL22	Active
12	Knab			KNABNL2H	Active
5080	bunq			BUNQNL2A	Active
5084	Revolut			REVONL2A	Active
23355	N26			NTSBDEB1	Active
23358	Yoursafe			BITSNL2A	Active
23361	Nationale Nederlanden			NNBANL2G	Active

HTTP Request

GET https://rest-api.pay.nl/v5/Transaction/getBanks/json

14.7. Payment settings

The iDEAL backup plan

Even though iDEAL's availability is usually in order, iDEAL bank disruptions cannot be completely prevented. That's why PAY. has developed an innovative feature to ensure that you, as an online entrepreneur, do not miss out on sales. You can read all about our iDEAL backup plan feature here.

End2End

If you do not want to display '' Stichting Pay.nl regarding'' or ''via PAY.nl'' on the customer's statement, you can choose the collecting solution End2End. In this case your customer sees your name and account number as the ''contra account''. You will receive the funds directly into your account. However, this does result in more credits where your bank can charge you costs per credit.

When is End2End interesting for you?

In the table below we compare End2End payments with the standard iDEAL CPSP route (collecting and clearing via a batch payment).

	End2End	Collecting & batch payment
Payment by name	Directly in the name of the account holder	- ''Your company name'' via Pay.nl
iDEAL order reference on statement and caption	Your own order number as reference possible	PAY.'s Order-ID
Entrepreneur account at	All banks, except bunq	All banks
Credit fee	Per payment, determined by your bank	Per batch, determined by your bank
Customer pays	Directly to your account	Account of Stichting Pay.nl
Payment visible to you	Line by line on your bank statement	One batch payment + detail file of PAY.
Payment via	No costs	Free continued payment
Payout speed	Until 2.30 pm the same day	Until midnight the next day
Use	Invoices and receivables	All types of payments
Checks & balances	Via own administration	Automatically by PAY.
Refund	Outgoing IBAN payment	Transaction rollback
Transaction costs	End2end iDEAL rate	All-in iDEAL rate

You can request End2End by e-mailing your request to our support department. Please include the SL-code and payment product.

iDEAL limit

The default limit is € 10.000,-. If you want to receive payments with a higher transaction amount, please contact your account manager or send your motivation to support@pay.nl.

14.8. Categories

You can use the payment option iDEAL if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto Currency
85	Deal websites (daily offers and specials)
1	Digital entertainment (Adults)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digital services (dating)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
24	Health
29	Home & Deco
70	Invoicing
5	Jewelry & Accessoires
82	Legal psychotropic substances
88	Medical supplies
31	Music, Movies & Games
46	Only based on PAY advice: Special consumer products
9	Other business services
76	Parking & Reservations
43	Pets & Accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (Member service)
7	Tickets
34	Toys
36	Travel
79	Tobacco & E-cigarettes
30	Watches & Jewelry

14.9. Images

You can use one of the images below, if you want to display the iDEAL logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/1.png SVG https://static.pay.nl/payment_profile_brands/100x100/1.svg

14.10. Documents

Document	Description
iDEAL eligibility criteria	The minimum eligibility criteria of iDEAL (by Currence).
iDEAL rules and regulations	The supplier has set a number of conditions for the use of iDEAL.
Mobile payments through iDEAL	Information about the use of iDEAL on mobile platforms.

14.11. Video

Video	Description
	Paying with iDEAL iDEAL instruction video: how does a transaction that is paid via iDEAL proceed?

15. iDEAL in3

15.1. Information

Facts
Category	Payment by instalment
Market	The Netherlands
Market share	Unknown
Currency	Euro
Payout	After accepting the transaction, in3 takes over the full (Garant) or partial (Flexibel) credit risk
Limit	Starting from € 50,-
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	Guarantor: In consultation with in3, after receiving direct payment. Flexible: Once the consumer pays in instalments. The first instalment is paid immediately, the second instalment is paid after 30 days and the third instalment is paid after 60 days. If the customer does not pay after 90 days, in3 takes over the claim.
Status	Active
Expire time	4 hours
Payment option ID	1813
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

In3 enables your customers to pay for their online purchases in three equal instalments.

15.2. Contact details

Please contact the support department of iDEAL in3 if you have any questions about iDEAL in3 or if you would like to know how you can offer this payment method in your webshop. For specific questions about an order via iDEAL in3, you can ask your customers to contact the customer service of iDEAL in3.

Contact	Merchants	Consumers
Telephone number:	088 - 39 93 360	088 - 39 93 333
E-mail:	support@payin3.nl	klantenservice@payin3.nl

15.3. Guarantor

If you choose to use iDEAL in3 as a payment method, you will receive 100% of the purchase amount. The time of payment is determined by iDEAL in3. PAY. pays the funds as soon as they are received by iDEAL in3.

15.4. Checkout screen

The iDEAL in3 checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch

15.5. Categories

You can use the payment option iDEAL in3 if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
28	Charity (ANBI status)
52	Consumer purchases (average order value)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
24	Health
29	Home & Deco
5	Jewelry & Accessoires
31	Music, Movies & Games
43	Pets & Accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
37	Shopping
35	Sports & Leisure
34	Toys
36	Travel
30	Watches & Jewelry

15.6. Images

If you want to display the iDEAL In3 logo on your page, you can use the images below.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/19.png SVG https://static.pay.nl/payment_profile_brands/100x100/19.svg

40x26	50x32	20x20	25x25	50x50	75x75	100x100
HTTP Request https://static.pay.nl/payment_profiles / dimension / 1813.png

Replace dimension in the URL above with one of the available dimensions.

16. Direct Debit

16.1. Information

Facts
Category	Bank payments
Market	EU countries, together with Norway, Iceland, Liechtenstein, Switzerland and Monaco
Market share	Unknown
Currency	Euro
Payout	Not guaranteed, cancellation and MOI notification possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Status	Active
Payment option ID	137
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

In The Netherlands, direct debit is a commonly used payment method. It is often used for ongoing periodical payments, but it can also be used for one-off payments. Direct debit is ideal for the payment of subscriptions and contributions.

One-off payments

In this form, an amount is debited from your customer's account once. The customer is notified by means of a pre-announcement, after which the customer has 7 days to refuse the collection.

Periodic payments

In this form, an amount is periodically debited from the customer's account. This can be, for example, once a month or once a quarter. This form of collection is extremely suitable for subscriptions.

16.2. Payment settings

Om gebruik te maken van SEPA Incasso via PAY. moet je een Account toevoegen. Dat doe je door na het activeren op Toevoegen te klikken.

Payment Setting: Wijzigen: Algemene Voorwaarden

Payment Setting: Wijzigen: Payment bank info

Algemene Voorwaarden webshop

URL van de algemene voorwaarden op de betreffende webshop. Deze worden op het betaalscherm weergegeven. Dit moet een direct URL zijn.

Payment bank info

Voer hier maximaal 30 tekens in met informatie, dit kan een URL zijn, klantservice of een e-mailadres welke bij de incasso wordt geplaatst op het bankafschrift van de klant. Zo voorkomt u storneringen.

16.3. Payout

Stichting Pay.nl receives and processes direct debit transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account, to sign an agreement or to request a collection contract through an external party.

16.4. Reversal (chargeback)

Every customer has the right to invoke. This means that your customer can reverse a direct debit transaction within a certain period. This term is set at 56 days and applies to all banks within Europe. The debited amount is then credited back to the customer's bank account.

16.5. Report Unjustified Direct Debit

According to the laws and regulations drawn up for the protection of the consumer, any direct debit transaction without written authorization is an incorrect depreciation. Therefore, it has been determined that customers can reverse direct debit transactions up to a period of 13 months. This is called MOI (Notification Incorrect Direct Debit).

Your customer can make a report through their bank. These reports are processed manually and therefore entail high costs:

	Pioneer	Professional	Business	Corporate
MOI	Not available	€ 115,00	€ 115,00	€ 115,00

16.6. Checkout screen

The direct debit checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English

16.7. Categories

You can use the direct debit payment option if your webshop / sales location sells one of the product categories below.

ID	Naam
21	Babies & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value less than € 100,-)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto Currency
85	Deal websites (daily offers and specials)
1	Digital entertainment (Adults)
11	Digital services (dating)
10	Digital entertainment (Gaming & Mediums)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
24	Health
29	Home & Deco
5	Jewelry & Accessoires
82	Legal psychotropic substances
31	Music, Movies & Games
9	Other business services
76	Parking & Reservations
43	Pets & Accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (Member service)
7	Tickets
79	Tobacco & E-cigarettes
34	Toys
36	Travel
30	Watches & Jewelry

16.8. Images

You can use one of the images below, if you want to display the direct debit logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/13.png SVG https://static.pay.nl/payment_profile_brands/100x100/13.svg

17. Klarna

17.1. Information

Facts
Category	Pay later
Market	The Netherlands, Germany, Sweden, Norway, Finland, Denmark, Austria, Great Britain and the USA.
Market share	Unknown
Currency	Euro
Payout	When accepted by Klarna, payment is guaranteed
Limit	Klarna has no limit regarding the order value
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	7 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	1717
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Allowed but never more than the actual transaction costs

Different Payment Methods

Klarna has three payment options: Pay now, Pay later and Klarna Financing. The availability of these payment methods differs per country. Please view the table below for the availability of Klarna's payment methods:

Country	Currency	Pay now	Pay later	Klarna Financing
The Netherlands	EUR
Belgium	EUR
Germany	EUR
Sweden	Swedish krone (SEK)
Norway	Norwegian krone (NOK)
Denmark	Danish krone (DKK)
Finland	EUR
Austria	EUR
Switserland	Swiss Franc (CHF)
United Kingdom	Pound (GBP)
United States of America	Dollar (USD)

17.2. Contact details

Please contact Klarna's webshop support if you have any questions about Klarna or if you would like to know how you can offer this payment method in your webshop. For specific questions about an order via Klarna, you can ask your customers to contact Klarna's customer service.

Contact	Merchants	Consumers
Telephone number:	020 - 808 28 53	020 - 808 28 52
E-mail:	Klarna's webshop support	klantenservice@klarna.com

17.3. Pay Now

Pay now from Klarna enables your customers from 14 European countries to pay for their online purchases directly. Pay now can be compared to iDEAL. With just one integration, you give millions of customers in 14 European countries access to this payment method. This payment method can be used in your physical store and in your webshop.

The conversion rate of your webshop will increase with 10%, because customers only have to enter top-of-mind data. The realtime credit check that is performed at the time of the customer's purchase ensures that the average acceptance rate is above 90%. You are guaranteed to receive payment because Klarna takes full responsibility of the financial risk.

17.4. Pay Later

Pay Later is a Klarna payment method where your customers can pay for their purchases afterwards. Since customers only have to enter top-of-mind data when placing a purchase, the checkout process works easily and lowers the purchase-threshold. Your customer can place an order with Pay later if the realtime credit check approves the purchase. Klarna does not want customers to make online purchases if their finances don't allow it.

Once the order has been received, customers can decide within 14 days whether they want to keep or return the items. If the customer returns the whole order or a part of the order, Klarna will quickly adjust the invoice. This way your customers only pay for the products that they want to keep. The customer can also snooze the payment for free for 10 days. For a smaller fee, they can extend the payment deadline to 30 days.

Your customers can find all their orders and payments in the Klarna app. As soon as you inform Klarna that you've send out your orders, Klarna will send an e-mail with the payment details to your customer as well as a link to the Klarna app to finalize the payment. Your customers can also log into their Klarna account via www.klarna.nl.

17.5. Limit and check

Klarna does not apply a hard limit on transactions, but uses an extensive risk algorithm with more than 250 parameters with which realtime decisions for acceptance can take place.

When your customer opts for this payment method, a credit check is made in a split-second to determine whether your customer can pay afterwards. If this check is successful, you will immediately receive a signal that the amount has been authorized. From that moment on you can send out the orders.

17.6. Boarding and clearing

You need a Klarna account if you want to accept this payment method in your webshop. Please navigate to Klarna. After you sign an agreement with Klarna, PAY. will receive all necessary data to link the Klarna platform to your webshop.

Klarna can be linked to your webshop in two ways:

Collecting/ Fullservice

PAY. always functions as a collecting payment service provider and pays out your turnover via clearing. Captured Klarna reservations are added to your book balance, after which the payout is made regularly. Your other PAY. clearings will also be included. You can also (partly) refund payments via PAY. without any problems. Search for the specific payment, select the products you wish to refund and PAY. will take care of the rest.

Distributing / Gateway

PAY. can also function as a distributing payment service provider but this is only the case if you use an Alliance Partner. We take care of the processing to Klarna, but we never get a hold of your turnover. It will be paid to you by Klarna.

Important

After we enter the connection details, PAY. will contact Klarna to test the connection. After approval, you will receive a confirmation by e-mail after which you can offer Klarna as a payment method in your checkout. Please allow at least 5 working days for this process to be completed.

17.7. Payment settings

Payment Setting: Wijzigen Extra Merchant Data

Betekenis customerReference en customerTrust variabele

Payment Setting: Factuurwijze

Extra Merchant Data

In sommige gevallen heeft Klarna om een ​​juiste risicobeoordeling te kunnen maken aanvullende informatie nodig over de eindklant en de aankoop. Aan de hand van 3 instellingen kunt je zelf bepalen welke sales en orderdata meegestuurd moet worden naar Klarna:

1. NONE: Er wordt geen klantdata gedeeld.

2. SIMPLE: Indien de customerTrust < 0 sturen wij mee dat de klant reeds eerder betaald heeft.

3. FULLOp basis van de customerReference, bekijken wij of deze klant reeds eerder betaald heeft, wij sturen deze data gegroepeerd mee naar Klarna.

4. FULL EXTENDEDGelijk aan Full, maar wij zoeken de 'gerelateerde betalingen' ook op, op basis van email en afleveradres.

Factuurwijze

Als merchant bepaal je de wijze waarop de factuur van Klarna wordt verzonden. Je kan uit de onderstaande instellingen kiezen:

• By Merchant: de winkelier verzorgt het verzenden van de Klarna factuur
• By Klarna e-mail: Klarna verzendt de factuur per e-mail aan de consument
• By Klarna post: Klarna verzendt via de post de factuur naar de merchant

Auto Confirm

Als je het tussenscherm wil weergeven waarop een bevestiging van Klarna's Algemene Voorwaarden te zien zijn, dan stel je deze instelling in op Nee.

Payment Setting: Algemene voorwaarden

Algemene Voorwaarden webshop

URL van de algemene voorwaarden op de betreffende webshop. Deze worden op het betaalscherm weergegeven. Dit moet een direct URL zijn.

17.8. Disputes

When a customer initiates a dispute with Klarna, the merchant is responsible for resolving this dispute. If the merchant cannot reach an agreement with the customer within the specified period, depending on the reason for the dispute, the dispute will be escalated, and Klarna's customer service team will intervene to help resolve the dispute. In this case, Klarna reserves the right to charge the merchant a dispute fee to compensate for the additional operational costs.

Disputes can be viewed and managed from the Klarna Portal.

Dispute Fee:

Whether a dispute fee is charged is determined by the outcome of the dispute, not by the escalation itself. The fee is charged afterwards once the outcome of the dispute and the liable party have been determined. PAY passes on the costs for this Klarna dispute fee to the merchant. The standard cost for this is 8.25 EUR excluding VAT per dispute.

No dispute fee will be charged if a customer:

• Is found to be at fault.
• Cannot provide the information requested by Klarna to proceed.
• Cancels the dispute voluntarily.

For more information visit Klarna disputes and the dispute fee.

17.9. Checkout screen

The Klarna checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English
• German

17.10. Categories

You can use the payment option Klarna if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
85	Deal websites (daily offers and specials)
4	Electronics
25	Food & Beverages
26	Fashion, Clothing & Shoes
27	Gadgets
33	Garden & Tools
24	Health
29	Home & Deco
5	Jewelry & Accessoires
82	Legal psychotropic substances
31	Music, Movies & Games
43	Pets & Accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
35	Sports & Leisure
36	Travel
34	Toys
37	Shopping
30	Watches & Jewelry

17.11. Images

You can use one of the images below, if you want to display the Klarna logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/15.png SVG https://static.pay.nl/payment_profile_brands/100x100/15.svg

18. Maestro

18.1. Information

Facts
Category	Credit cards
Market	Worldwide in more than 100 countries
Market share	250 million cardholders
Currency	Euro
Payout	Guaranteed, reversing a payment is not possible
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	5 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	712 and 715 (High risk)
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

With the Maestro debit card by Mastercard your customers can pay online using their own debit card. The payment method is 100% guaranteed since the bank account of the payer is charged directly. Debit cards with the Maestro logo are used in more than 100 countries around the world. The vast majority of these debit cards can be used to pay for online purchases. Offering this payment option in your webshop will expand your reach significantly.

18.2. Payout

Stichting Pay.nl receives and processes Maestro transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Maestro.

18.3. Checkout screen

The Maestro checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• German
• English
• French
• Italian
• Spanish

Demo

• View the Maestro checkout screen

18.4. Categories

You can use the payment option Maestro if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto Currency
85	Deal websites (daily offers and specials)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digital services (dating)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
24	Health
29	Home & Deco
5	Jewelry & Accessoires
31	Music, Movies & Games
76	Parking & Reservations
43	Pets & Accessoires
23	Presents & Cards
9	Other business services
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (Member service)
7	Tickets
79	Tobacco & E-cigarettes
34	Toys
36	Travel
30	Watches & Jewelry

18.5. Images

You can use one of the images below, if you want to display the Maestro logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/6.png SVG https://static.pay.nl/payment_profile_brands/100x100/6.svg

19. Multibanco

19.1. Information

Facts
Category	Bank payments
Market	Portugal
Market share	30% market share in the payments market
Currency	Euro (EUR)
Payout	Multibanco is not a guaranteed payment method
Refund	No refund possible
Clearing	via PAY.
Payout speed	The payment status remains pending until PAY. receives the funds. Once the payment has been processed and completed, the status of the transaction changes to ''authorized''. From that moment on, the transaction is guaranteed.
Status	Active
Expire time	4 hours
Payment option ID	2271
Package	Available in the following packages: Professional, Business and Corporate
Surcharging	Not allowed

Multibanco is the most widely used payment method in Portugal. The payment method is offered and used in many places, including supermarkets, airports and museums. Multibanco has a wide range of users in Portugal because the payment method is also a user-friendly way for the Portuguese population to handle tax matters.

More than 11.000 ATMs offer Multibanco as a payment method. Besides withdrawing money, you can also print online bank statements, pay your bills, buy train tickets and top up your transport ticket or mobile phone balance.

The payment method works with all major Portuguese banks that enable merchants internationally to offer payments through Multibanco.

19.2. Payout

Stichting Pay.nl receives and processes Multibanco transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Multibanco.

To enable your customer to make a payment with the payment method Multibanco, you must provide your payment page with an entity number, a reference and the amount of the purchase.

The customer then initiates a payment with the information provided in the online banking environment or at an ATM, and with the necessary Multibanco details.

19.3. How does Multibanco work?

The online process

The ATM process

Multibanco has two payment flows: your customers can either pay online or via an ATM.

The online process

1. Your customer chooses Multibanco as a payment method in the checkout of your webshop.
2. The payment page provides your customer with an entity number, the reference of the purchase and the amount.
3. Your customer then logs in online via internet banking and he / she confirms the payment after agreeing to the known payment details.
4. The customer has paid and you can prepare the purchase for shipping!

Figure: The online process

The ATM process

1. Your customer chooses to pay for their purchase(s) via one of the 11.000 ATMs. To start the payment process your customer clicks on the option ''checkout with Multibanco''.
2. The customer then receives the known payment details via the ATM.
3. If the customer agrees, he / she can confirm the transaction with a payment.

Figure: The ATM process

19.4. Checkout screen

The Multibanco checkout screen is responsive, accepts payments in euros and is available in the following languages:

• English
• Portugese

19.5. Categories

You can use the payment option Multibanco if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car and Motor (parts)
52	Consumer purchases
85	Deal websites (daily offers and specials)
55	Digital products (software, downloads)
11	Digital services (dating)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
24	Health
29	Home & Deco
5	Jewelry & Accessoires
31	Music, Movies & Games
9	Other business services
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (Member service)
7	Tickets
34	Toys
36	Travel
30	Watches & Jewelry

19.6. Images

You can use one of the images below, if you want to display the Multibanco logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/141.png SVG https://static.pay.nl/payment_profile_brands/100x100/141.svg

20. NOTYD

20.1. Information

'

Facts
Categorie	Achteraf betalen
Markt	Nederland (B2B)
Aandeel	Onbekend
Valuta	Euro
Betaling	Gegarandeerd
Limiet	€5.000,00
Restitutie	Meerdere restituties per transactie mogelijk tot 100% van het orderbedrag
Clearing	via PAY.
Uitbetaalsnelheid	21 dagen
Status	Actief
Expiretijd	4 uren
Betaaloptie ID	2931
Pakket	Beschikbaar in het Pioneer, Professional, Business en Corporate pakket
Surcharging	Niet toegestaan

NOTYD is een B2B-betaalmethode, die B2B- en B2C&B-webshops helpt hun checkoutprocessen te verbeteren. De voordelen zijn noemenswaardig, denk aan hogere acceptatie percentages, snellere kredietcontroles, een verbeterde cashflow en flexibele betalingsvoorwaarden voor kopers.

20.2. Categories

Je kan de betaaloptie NOTYD gebruiken als jouw webshop / verkooplocatie in één van de onderstaande categorieën valt.

ID	Naam
43	Dieren & Toebehoren
32	Educatie & Training
4	Elektronica
25	Eten & Drinken
26	Fashion, Kleding & Schoenen
27	Gadgets
24	Gezondheid
29	Huis & Inrichting
88	Medische hulpmiddelen
31	Muziek, Films & Games
76	Parkeren inclusief reserveren
34	Speelgoed
35	Sport & Vrije tijd
33	Tuin & Gereedschap
36	Vakantie & Reizen
37	Warenhuizen

20.3. Contactdetails

Wil je meer informatie over NOTYD die niet op de website van Pay. staat neem dan contact op via:

Contact	Merchants	Consumenten
Telefoonnummer:	+31854011797	+31854011797
E-mail:	support@notyd.com	info@biller.nl

20.4. Activation

Voor de achteraf betaaloptie NOTYD heb je een account nodig. Zonder dit account kunnen wij nog geen transacties voor je verwerken. Stuur daarom een mail naar de Pay. Support. Geef in de e-mail aan dat je gebruik wilt maken van NOTYD.

Geef in de mail de onderstaande informatie door:

Naam	Waarde
Merchant-id:	M-####-####
Bedrijfsnaam	Jouw statutaire bedrijfsnaam
KVK nummer	..
BTW nummer	NL*********B01

Implementatie

Een supportmedewerker van Pay. neemt jouw aanvraag in behandeling. Wij informeren NOTYD dat je gebruik wilt maken van de betaaloptie. De boarding bij NOTYD duurt ongeveer 7 werkdagen. Als de boarding voltooid is controleren we of het webshopsysteem dat je volgens onze administratie gebruikt nog up to date is.

Zo niet dan adviseren we de plugin te updaten naar de meest recente versie. Deze kun je vinden op Github. Als je een eigen implementatie hebt hoef je nadat je van ons toestemming hebt gekregen om de betaaloptie live te zetten enkel het paymentOption 2931 te activeren in jouw script. De images vindt je hier.

Als de testtransactie succesvol is kun je starten met de verwerking van NOTYD betalingen.

20.5. Credit check

Kredietcheck

De kredietcheck van NOTYD bepaalt of jouw klant mag betalen of niet. Wordt de klant niet kredietwaardig bevonden dan tonen wij een melding dat de klant niet in aanmerking komt om te betalen met NOTYD.

Sales en Orderdata

Om de kredietwaardigheid van de betaler te bepalen, is zogenaamde sales -en orderdata nodig. Deze (echte) data moet je meegeven als je een NOTYD transactie wil starten via de API van PAY. Geef je deze data niet of onvolledig door, dan tonen we de betaaloptie niet in het betaalkeuzescherm. Een overzicht van alle verplichte variabelen om een NOTYD transactie te starten, vind je in onze Transactie::start API documentatie.

Zakelijke transacties (B2B)

Voor het starten van een betaling via NOTYD is het KvK-nummer een verplichte variabele. Deze variabele vindt je in de Enduser Company array van onze Transactie::start API documentatie.

20.6. Payout

De NOTYD transacties komen binnen via Stichting Pay.nl en worden middels een clearing naar jou uitgekeerd. Het is niet nodig om een extra account aan te maken of om overeenkomst af te sluiten bij NOTYD.

20.7. Checkout screen

Het NOTYD betaalscherm is responsive, accepteert betalingen in EUR en is beschikbaar in de volgende talen:

• Nederlands
• Engels
• Frans

Demo

• Bekijk het NOTYD betaalscherm

20.8. Images

Indien je het logo van NOTYD op jouw pagina wil weergeven dan kan je gebruik maken van de onderstaande afbeeldingen.

PNG icoon	SVG icoon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/2931.png SVG https://static.pay.nl/payment_profile_brands/100x100/2931.svg

20.9. Biller Terms & Conditions

Document	Omschrijving
Algemene voorwaarden Verkoper	Terms & conditions (Seller)

21. Banktransfer

21.1. Information

Facts
Category	Bank payments
Market	EU countries, together with Norway, Iceland, Liechtenstein, Switzerland and Monaco
Market share	Unknown
Currency	Euro
Payout	Guaranteed, reversing a payment is not possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,00
Clearing	via PAY.
Payout speed	1 to 7 days. The payment is written in your statistics by PAY. at the time of receipt. It can take up to 72 hours before a payment is received. Keep in mind that your order will be ''pending'' until that time.
Status	Active
Expire time	21 days
Payment option ID	136
Pakket	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

When your customers choose the bank transfer payment method, they will automatically directed to our payment screen. The payment screen contains all the information your customers need to finalize the payment of their order(s). When your customer has transferred the payment, it will take at least one working day before the payment arrives in the account of Stichting Pay.nl. Based on the unique payment reference, we can then link the order to the correct merchant and set the status to ''paid''.

Following the introduction of the SEPA standard, the term ''European transfer'' was launched. This is also known as a SEPA transfer or Euro payment. With a European transfer, money can be transferred between European bank accounts throughout Europe. This is made possible by the introduction of a uniform bank account number, also known as IBAN.

21.2. Payout

Stichting Pay.nl receives and processes the bank transfer transactions and pays the received transactions to you through the process of clearing.

21.3. Checkout screen

The bank transfer checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English
• German
• French
• Italian
• Spanish

Demo

• View the bank transfer checkout screen

21.4. Credit

Processing time banktransfers

PAY. continuously checks whether bank transfers have been received into our third-party account. Based on the payment reference, the payment is then linked to the transaction and your book balance is increased by the transaction amount. It usually takes less than an hour for payments to be processed. However, this also depends on the specific bank.

Sofort Banking

In 98% of the cases, PAY. receives payments within 30 minutes, which means that you can often deliver products to your customers on the same day. If you offer SOFORT Banking and high-risk products, we advise you not to deliver the products until you have received the payment. SOFORT Banking is a payment method that does not 100% guarantee payments. We therefore advise you to deliver the products after you have received the payment.

21.5. Non matching payment

PAY. is unable to automatically link a transaction on its third-party account if a payment reference or amount of the payment is incorrect. In accordance with the PSD2 legislation, we will refund this payment to the customer within 24 hours.

We can however link the payment to a transaction manually if your customer contacts you in the meantine.

World payment bank transfer
A different procedure applies to world payment bank transfers. PAY. is unable to link a transaction back to a payment and to refund it to the end user.

If the customer contacts you in the meantime, PAY. can manually link the payment back to the transaction. You then have the option to deliver the product(s) or to make a chargeback via your own bank account.

21.6. Categories

You can use the payment option bank transfer if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car and Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value less than € 100,-)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto Currency
85	Deal websites (daily offers and specials)
1	Digital entertainment (Adults)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digital services (dating)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
23	Presents & Cards
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
24	Health
29	Home & Deco
5	Jewelry & Accessoires
82	Legal psychotropic substances
46	Only on advice from PAY: Special consumer products
9	Other business services
43	Pets and accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (Member service)
7	Tickets
79	Tobacco & E-cigarettes
34	Toys
36	Travel
31	Music, Movies & Games
30	Watches & Jewelry

21.7. Images

You can use one of the images below, if you want to display the bank transfer logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/12.png SVG https://static.pay.nl/payment_profile_brands/100x100/12.svg

22. Payconiq

22.1. Payconiq information

Facts
Category	Wallet payments
Market	The Netherlands, Belgium and Luxembourg
Market share	In 2017 68% of the European population used wallet payments. In 2020 this number will rise to 92%
Currency	Euro
Payout	Guaranteed, reversing a payment is not possible
Transaction limit	The transaction limit depends on your bank. For both ING and Rabobank the transaction limit is € 500,-. The limit can be increased to € 1.000,- per day via the ING or Rabobank app. Account holders with an ASN Bank, Regiobank and SNS account have a payment limit of € 250,- per day. For other banks, the payment limit is € 250,- for the last 7 days (note: during the first 8 working hours after linking the bank account with Payconiq, the limit for the other banks is set at € 25,-. The limit is then automatically increased to € 250,- per 7 days).
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	between 1 to 7 days
Status	Active
Expire time	20 minutes online, 2 minutes in-store
Betaaloptie ID	2379
Pakket	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

Payconiq is the free mobile omnichannel solution that facilitates payments. The online payment method can be offered by merchants located in The Netherlands, Belgium and Luxembourg. The payment method cannot be offered to consumers if the company is registered in another country.

Making mobile payments via Payconiq is easy: your customer only needs to scan a QR-code with an Apple or Android smartphone. Payments are facilitated via the Payconiq app - they are directly linked to the bank account of your customer.

Payconiq was established at the end of 2015 and is a joint initiative of ING, SNS, Rabobank, RegioBank, ASN, Belfius, KBC and BNP. Since the launch, more than 50.000 stores have joined this payment method.

22.2. Clearing

Stichting Pay.nl receives and processes Payconiq transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Payconiq.

22.3. Refund

Payconiq refunds are processed via PAY. In case of a refund, PAY. will transfer the refunds to the IBAN of the account holder. Refunds with Payconiq are processed in the same way as the payment methods iDEAL and SEPA.

22.4. Checkout screen

The Payconiq checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English

22.5. QR-code

Making payments with Payconiq is fast and user-friendly. First, your customer downloads the free Payconiq app for iOS or Android. Then the bank account must be linked to the app. The Payconiq app works with all Dutch banks and linking the app is simple. Once the bank account is linked, your customer can use Payconiq rightaway!

You can easily pay with Payconiq in a webshop or in a physical store by scanning the QR-code:

• The specific QR-code will appear on a display, in the app, on your desktop or on an ATM screen;
• Your customer scans the code with a smartphone. The customer then needs to approve the amount in the Payconiq app with a four digit code, a finger scan or Face ID. The payment is then completed. As a (web)retailer you will see the transaction on your screen. Your customer has paid!

Why Payconiq?

Mobile payments are more than just a nice gadget. The new Payconiq system is guaranteed to be no extra hassle: it is an extension that is easy to integrate with existing systems.

22.6. Categories

You can use the payment option Payconiq if your webshop / sales location sells one of the product categories below.

ID	Name
21	Baby & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
64	Crowdfunding, peer-to-peer platforms for loans or payments
85	Deal websites (daily offers and specials)
10	Digital Entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
23	Gifts & Cards
24	Health
29	Home & Deco
70	Invoicing
5	Jewelry & Accessoires
82	Legal psychotropic substances
88	Medical supplies
31	Music, Movies & Games
76	Parking & Reservations
43	Pets & Accessoires
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
30	Watches & Jewelry
37	Shopping
35	Sports & Leisure
20	Subscriptions (member service)
7	Tickets
79	Tobacco & E-cigarettes
34	Toys
36	Travel

22.7. Images

You can use one of the images below, if you want to display the Payconiq logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/138.png SVG https://static.pay.nl/payment_profile_brands/100x100/138.svg

23. PayPal

23.1. Information

Facts
Category	Wallet payments
Market	Worldwide
Market share	169 million PayPal accounts
Currency	26 different currencies
Payout	Not guaranteed, chargeback & rollback possible when there are fraud reports
Refund	Multiple refunds per transaction possible up to 100% of the order amount
Clearing	via PayPal
Status	Active
Expire time	4 hours
Payment option ID	138
Pakket	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

PayPal is a popular and frequently used online payment method all over the world. With a free personal account, consumers can pay directly for their online purchases via credit card, bank transfer or with their PayPal balance.

With over 169 million users, PayPal is a payment method that your checkout page can't miss.

23.2. Activate Paypal

Voeg nieuwe toe

Login in uw Paypal account

Geef akkoord om uw rekening te koppelen

Ga terug naar jouw Verkooplocatie

Recently, PAY. developed a new API for Paypal. This new API ensures that your payments are processed even better. To use this new route you must give Paypal permission to link your account to PAY. You can easily do this via the PAY. Administration panel. You have to create a new account in your excisting Sales location(s).

Follow the steps below to PAY. to authorize:

1. Go to the Sales Locations tab and scroll to the payment option Paypal
2. Activate the payment option if you are not yet using Paypal and/or click on Add new
3. In the Paypal popup enter your email address and click on Next
4. Enter your password and click on Login
5. If you have enabled 2-step verification on your account, please enter the verification number you received by SMS or authenticate App
6. Allow Paypal to link your account to PAY.
7. Click back to PAY. to exit

Now complete the account creation by setting the PaymentOption settings and finally click on change.

23.3. Cash flow

PAY. has a distributing role in the transaction process. You therefore receive the credits on your own PayPal account. The costs for the financial settlement are deducted. We only invoice you the fee for routing the transactions.

PayPal account

To use the PayPal payment method, you need a PayPal account. PayPal provides you with a standard account and rates. If you process more than € 100.000,- per month in PayPal payments and you have the business package, then your account manager can contact PayPal to obtain a personal offer.

23.4. Payment settings

PayPal is beneficial for your customers because the payment method has a purchase protection and thus protects your customers against scams and fraud. The funds are deducted from the PayPal account. To protect your customers against these costs, PayPal also offers seller protection.

Unauthorized transaction

A customer requests a refund and has stated that the purchase of an object or service was made without his or her consent. If the transaction qualifies for this, you can get the full amount of the payment back with our Seller Protection module.

Item not received

A customer pays for an item and claims that it has never been received and then requests a refund for the physical item or service. If the transaction qualifies for this, you can use our Seller Protection module to get the full amount of the payment back.

PayPal setup

Activation

Seller protection is automatically active if you send the correct information (shipping address and order lines) when creating a transaction within PAY. and at your sales locations with the payment option. For the Seller Protection module it is also necessary that PayPal gives PAY. the permission to forward the information to them. You can set up this setting as specified below:

• Navigate to the Admin Panel. Go to the tab Sales locations https://admin.pay.nl/programs/programs.

• Change the relevant sales location by clicking on the 'Change' button.

• Add PayPal to the 'Payment options' by ticking the payment method. An option to create PayPal settings will appear on the right. Click on 'Add new'.

• Fill in the following settings Figure: PayPal setup:
  
  - Shipping address required: Shipping address required
  - Send shipping address: Yes
  - Send along order lines: Yes
  
  

• Click on 'Change'. Then click on the same button again to save the settings. You can now enjoy PayPal's seller protection module.

23.5. Refunds

''Username access rights for third parties''

''Issue a refund for a specific transaction''

It is possible to make a PayPal transaction directly from the PAY. Admin Panel and to return the transaction to the customer. However, you must set up this setting in your PayPal environment. Please follow the steps below:

• Login the PayPal environment and choose in the menu: Tools » Business setup » Option A » Setup API access » Business setup https://www.paypal.com/businessmanage/credentials/apiAccess.

• Click on the ''Add a new third party'' link.

• Under ''Username access rights for third parties'' enter the following vendor_api1.pay.nl and click on the look up button.
  Figure: ''Username access rights for third parties''

• Select the ''Issue a refund for a specific transaction'' setting and click on the ''Add'' button.
  Figure: ''Issue a refund for a specific transaction''

• Now PayPal transactions can be refunded via the PAY. Admin Panel.

External refunds

Starting from the Professional package it is also possible to create an external refund. This is not linked to the original transaction but will appear as a separate refund in the Admin Panel. To create the external refund, you must have the IBAN number and the name of the account holder.

23.6. Add a currency

Received transaction in the offered currency

Add a currency

Add the currency Złoty

Złoty has been added as currency

The current balance of the payment option is shown in the overview

Through PAY. you can offer transactions in another currency in PayPal. For this option, PAY. provides the paymentOption function ''Receive transaction in offered currency''.

You will find this setting in the Sales location of the PAY. Admin Panel. You can find this function by scrolling to the payment option PayPal in your Sales location. Click on change behind the payment option to view the overview of the PayPal settings. At the bottom of the page, you see the payment option setting Receive transaction in offered currency. This setting ensures that when the transaction is offered in a currency other than Euro, it is received in the currency as offered by PayPal.

In order to receive funds in a different currency, you need an account in the same currency within your PayPal account. If you only have a Euro bankaccount, then a conversion can take place. An example: a conversion from GBP (Pound) to Euro (EUR) takes place, which can lead to undesirable problems. PayPal also charges a fee for the conversion from GBP to EUR.

Add an additional currency to your PayPal account

The steps below explain how to add additional currencies to your PayPal account.

1. Click Money in the menu bar
2. Click Add a currency
3. Choose a currency from the list, click on Add a currency
4. Wait for the currency to be successfully added and click Done
5. You can now receive funds in another currency

23.7. Checkout screen

The PayPal checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English
• German
• French
• Italian

Demo

• View the PayPal checkout screen

23.8. Categories

You can use the payment option PayPal if your webshop / sales location sells one of the product categories below.

ID	Naam
21	Babies & Kids
22	Beauty & Wellness
73	Car and Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto Currency
1	Digital entertainment (Adults)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digital services (dating)
85	Deal websites (daily offers and specials)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
5	Jewelry & Accessoires
24	Health
29	Home & Deco
82	Legal psychotropic substances
31	Music, Movies & Games
46	Only on advice from PAY: Special consumer products
9	Other business services
76	Parking and reservations
43	Pets and accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (member service)
7	Tickets
79	Tobacco & E-cigarettes
34	Toys
36	Travel
30	Watches & Jewelry

23.9. Images

You can use one of the images below, if you want to display the PayPal logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/21.png SVG https://static.pay.nl/payment_profile_brands/100x100/21.svg

23.10. Video

Video	Description
	How to sell online? Instruction video about PayPal's transaction process.

24. Paysafecard

24.1. Information

Facts
Categorie	Vouchers & Prepaid
Market	Used in The Netherlands, Belgium, Germany, Argentina, Australia, Bulgaria, Canada, Cyprus, Denmark, Finland, France, Greece, Hungary, Ireland, Italy, Kuwait, Croatia, Latvia, Lithuania, Luxembourg, Malta, Mexico, Norway, Austria, Peru, Poland, Portugal, Romania, Slovenia, Slovakia, Spain, Czech Republic, Turkey, Uruguay, United States, United Kingdom, Sweden and Switzerland.
Market share	Unknown
Currency	25 different currencies
Payout	Guaranteed, cancellation is not possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	7 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	553
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Contact details	E-mail address: info@paysafecard.com. Phone number: +43 1 720 83 80
Surcharging	Not allowed

Paysafecard is the most popular online prepaid payment method in the world. Paysafecard is available in different values, which are € 10,- € 25,- € 50,- and € 100,-. Customers can easily pay with Paysafecard. The card contains a unique 16-digit code on the back side of the card.

Paysafecard is known as an anonymous payment method. The payment method is mainly used for the payment of digital services.

24.2. Activation

If you activate this payment option within your sales location, your file status is approved and the sales location is linked to the correct category, the payment option will be active immediately. A paysafecard staff member will then check whether your offer complies with the Paysaferd rules.

Non compliance e-mail

If paysafecard does not accept your offer, we will remove the payment option in your sales location. If you do not agree with the rejection, please contact paysafecard.

Age verification

Age verification should be integrated if age verification is required for specific products or services. This is the case with, for example, smoking products or gambling activities. The minimum user age must be taken into account for these products and services.

URL, offer and description

Make sure you have entered the correct data in the sales location of your Admin Panel. Take the time to describe your offer. We will send this information, together with your request, to paysafecard.

Unauthorized Business Cases in the case of a paysafecard

The list below contains products or business models that are not supported by paysafecard:

1. paysafecard is not allowed as a payment option for:
1. Anonymization services
2. Weapons and related products such as pistols, guns, parts, ammunition, knives, etc.
3. Illegal drugs and related items
4. Prescribed medicines and aids
5. Tobacco products
6. Products or services that infringe trademark, copyright, privacy or data protection or any other property rights that are subject to legal provisions or determined by case law
7. Pyramid schemes, ponzis or similar models
8. Gamebots
9. Cryptocurrency exchanges
2. If the Merchant offers games of chance, they must have an official license from the relevant games of chance authority in the country where it actively offers its services.

24.3. Payout

Stichting Pay.nl receives and processes Paysafecard transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Paysafecard.

24.4. Checkout screen

The Paysafecard checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• Arabic
• Danish
• German
• English
• Finnish
• French
• Greek
• Italian
• Hungarian
• Croatian
• Latvian
• Lithuanian
• Norwegian
• Portuguese
• Polish
• Romanian
• Spanish
• Slovenian
• Slovak
• Russian
• Czech
• Turkish
• Swedish

Demo

• View the Paysafecard checkout screen

24.5. Categories

You can use the payment option Paysafecard if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car and Motor (parts)
52	Consumer purchases (average order value)
1	Digital entertainment (Adults)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digital services (dating)
85	Deal websites (daily offers and specials)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
24	Health
29	Home & Deco
5	Jewelry & Accessoires
31	Music, Movies & Games
9	Other business services
76	Parking and reservations
43	Pets and accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
35	Sports & Leisure
7	Tickets
79	Tobacco & E-cigarettes
34	Toys
36	Travel
37	Shopping
20	Subscriptions (member service)
30	Watches & Jewelry

24.6. Images

You can use one of the images below, if you want to display the Paysafecard logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/24.png SVG https://static.pay.nl/payment_profile_brands/100x100/24.svg

24.7. Documents

Document	Description
Paysafecard forbidden business models	Document with unauthorized products and services.

24.8. Video

Video	Description
	Paysafecard This video explains how payments are processed via Paysafecard.

25. Pluxee - Monizze

25.1. Activation

If you want to activate Pluxee and/or Monizze, please send an email with the following information:

Sodexo	NO
	YES	Pluxee Merchant ID:
		Sodexo UID:
Monizze	NO
	YES	Monizze Merchant ID:
		Pluxee Terminal ID:
PAY. Merchant ID	M-....-....
Sale location(s)	ALL / SL-...-.... *

* If you want to activate Pluxee and/or Monizze for specific sales locations, enter the SL codes of the respective sales locations, or choose 'ALL' to activate Pluxee and/or Monizze for all your sales locations.

You can find the merchant ID of your merchant account on the Merchant >> Company information tab. This code starts with M- and is displayed in the top right corner of the screen.

You can find the SL code of your sales locations on the Settings >> Sales locations tab

25.2. Images

If you want to display the iDEAL In3 logo on your page, you can use the images below.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/19.png SVG https://static.pay.nl/payment_profile_brands/100x100/19.svg

26. Przelewy24

26.1. Information

Facts
Category	Internet banking
Market	Poland
Market share	Unknown
Currency	Polish Złoty
Payout	Guaranteed, reversing a payment is not possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	7 to 21 days
Status	Active
Expire time	4 hours
Payment option ID	2151
Pakket	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

Przelewy24 is one of the most popular payment methods in Poland. The payment process is very similar to that of iDEAL. It is safe and trusted and runs entirely through the customer's online banking environment. In addition, the customer can pay in their trusted currency which is the Polish Złoty (PLN) while you receive Euros.

26.2. Payout

Stichting Pay.nl receives and processes Przelewy24 transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Przelewy24.

Conversion from PLN to EUR

If you start the payment in Euros, you will receive the exact amount in your book balance. The amount the consumer pays in PLN is based on the daily rate and the exchange rate.

If you start the payment in PLN, your customer will pay the exact amount. You will receive the amount in Euros based on the daily rate and exchange rate in your book balance.

26.3. Refunds

You can directly transfer a Przelewy24 payment in your Admin Panel to your customer's account.

You can perform multiple refunds per transaction. The maximum amount that can be refunded to your customer is 100% of the original order amount.

26.4. Checkout screen

The Przelewy24 checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Polish
• Dutch

26.5. Categories

You can use the payment option Przelewy24 if your webshop / sales location sells one of the product categories below.

ID	Naam
21	Babies & Kids
22	Beauty & Wellness
73	Car and Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
1	Digital entertainment (Adults)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digital services (dating)
85	Deal websites (daily offers and specials)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
24	Health
29	Home & Deco
70	Invoicing
5	Jewelry & Accessoires
88	Medical supplies
31	Music, Movies & Games
9	Other business services
76	Parking and reservations
43	Pets and accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
7	Tickets
34	Toys
36	Travel
37	Shopping
35	Sports & Leisure
20	Subscriptions (member service)
30	Watches & Jewelry

26.6. Images

You can use one of the images below, if you want to display the Przelewy24 logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/93.png SVG https://static.pay.nl/payment_profile_brands/100x100/93.svg

26.7. Video

Przelewy24 Informational video about receiving payments through Przelewy24

27. Riverty

27.1. Information

Facts
Category	Pay Later
Market	The Netherlands, Belgium, Germany and Austria
Market share	In The Netherlands 2% chooses to use Riverty for making online purchases
Currency	Euro
Payout	Payment is guaranteed, if accepted by Riverty
Limit	First transaction € 150,-. The next transaction is merchant dependent
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	Via PAY.
Payout speed	This will be settled with Riverty
Status	Active
Expire time	4 hours
Payment option ID	739
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Allowed but never more than the actual transaction costs

With Riverty in your online shop, your customers can pay for their products afterwards. In other words: they can first see and experience the products and then decide to pay for them. Riverty's method is quite similar to the giro payment method. However, in this case, you have a payment guarantee and the invoicing process is taken entirely out of your hands. As entrepreneur there is no risk of not receiving your money after shipping the product to your customer(s).

Riverty is rapidly increasing in popularity.

27.2. Contactdetails

Please contact the Riverty support department if you have any questions about Riverty or if you would like to know how you can offer this payment method in your webshop. For specific questions about an order via Riverty, you can ask your customers to contact Riverty customer service.

Contact	Merchants	Consumers
Telephone number:	020 - 7 230 230	020 - 7 230 230
E-mail:	support@afterpay.nl	klantenservice@afterpay.nl

27.3. Limit and check

Consumers who want to pay for their order using Riverty for the first time can only pay a limited amount of € 150,-. For subsequent orders via Riverty, an increased limit applies. The specific limit depends on the merchant.

27.4. Activation and payout

You need to have an account for the payment method Riverty. Transactions without a Riverty account are not supported. Please contact the Riverty support desk. PAY. can process your transactions in two ways:

• Collecting: PAY. always acts as a collecting PSP and pays out the realized turnover through a clearing.
• Distributing: PAY. only acts as a distributing PSP if you make use of an Alliance partner. In this case the Riverty processing is taken care of.

Because processing of transactions via one of the above routes has a major impact on the payment of funds, you cannot activate the Riverty payment option without assistance from our support desk. If you have a (new) account please ask Riverty to inform us by e-mail about your connection details.

Important disclaimer: We can only activate your account once the the e-mail from Riverty has been received by our support desk.

The support desk will set up the connection and ensure a succesful test transaction, once notified. Only then do we transfer the implementation to the Riverty support desk. Riverty will ensure that transactions from your website or webshop will take place according to the terms & conditions of Riverty.

27.5. Switch to PAY.

The process to switch from another PSP to PAY. is as follows:

• The merchant submits a request to Riverty (via sales@afterpay.nl) to switch to PAY.
• For the switch, PAY. will ensure that the merchant signs a new contract.
• Riverty will then create a new contract and have it signed by the merchant.
• Once you have signed and sent the contract, the PAY. implementation team will create a new account and share the necessary data with the merchant.
• The old account will remain active for several months due to the possibility of potential refunds.
• The account will be closed after a final payout has taken place.

27.6. Delayed Capturing (Riverty)

Once a transaction has been accepted by the Riverty credit check, the status will change to PAID. The reason for this is because PAY. registers the capturing setting for every new connection via PAY. to the standard ''Immediately (after the credit check)'' option. If you do not want to capture automatically and you have a Premium package, please contact the PAY. support desk.

If you use a Professional package or higher, the following settings are possible:

• Immediately (after the credit check)
  

  This is a standard setting for both Pioneer and Premium packages.

• Via individual promotion (API or Admin)

  Note: If a transaction has been accepted by the Riverty credit check, the status changes to AUTHORIZE. You must capture or void (cancel) transactions manually (or via our API). If you do not capture this, the authorization will automatically expire after 14 days. If you want to deliver delayed with the guarantee that the transaction will be captured, request a change to one of the settings below.

• Automatically after 1 days
• Automatically after 2 days
• Automatically after 3 days
• Automatically after 4 days
• Automatically after 5 days
• Automatically after 6 days
• Automatically after 7 days
• Automatically after 8 days
• Automatically after 9 days
• Automatically after 10 days
• Automatically after 11 days
• Automatically after 12 days
• Automatically after 13 days

Please note: You can't make the above changes yourself in the PAY. Admin Panel. If you would like to use the capture option while using the Premium package, please contact the PAY. support desk.

27.7. Refunds

It is possible to refund orders directly from PAY. to the Riverty account.

You can perform multiple refunds per transaction. The maximum amount that can be reimbursed to an end user is 100% of the original order amount.

External refund

Starting from the Professional package it is also possible to have an external refund. The external refund is not linked to the original transaction but will appear as a separate refund in the Admin Panel. To create the external refund, you must have the IBAN number and the name of the account holder.

27.8. Checkout screen

The Riverty checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English
• French

27.9. Categories

You can use the payment option Riverty if your webshop / sales location sells one of the product categories below.

ID	Name
20	Subscriptions (member service)
73	Car & Motor (parts)
21	Babies & Kids
22	Beauty & Wellness
6	Reading, DVDs & CDs
23	Presents & Cards
52	Consumer purchases (average order value)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto currency
85	Deal websites (daily offers & specials)
43	Pets & Accessories
1	Digital entertainment (adults)
55	Digital products (software, downloads)
32	Education & Training
4	Electronics
46	Only based on PAY. advice: special consumer products
55	Digital products (software, downloads)
25	Food & Beverages
26	Fashion, Clothing & Accessories
27	Gadgets
82	Legal psychotropic substances
24	Health
28	Charity (ANBI status)
61	Retailers in precious metals and diamonds
30	Watches & Jewelry
29	Home & Deco
31	Music, Films & Games
76	Parking & Reservations
34	Toys
5	Jewelry & Accessories
35	Sports & Leisure
79	Tobacco & E-cigarettes
7	Tickets
33	Garden & Tools
36	Travel
37	Department stores

27.10. Images

You can use one of the images below, if you want to display the Riverty logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/14.png SVG https://static.pay.nl/payment_profile_brands/100x100/14.svg

27.11. Video

Video	Description
	Riverty business Instructional video explaining the transaction procedure, costs and customer acceptance.

28. SOFORT Banking

28.1. Information

Facts
Category	Internet banking
Market	Germany, Austria, Switzerland, Poland, Belgium and Spain
Market share	Unknown
Currency	Euro
Payout	Not guaranteed
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	1 to 7 days
Status	Active
Expire time	4 hours
Payment option ID	559
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

SOFORT Banking is now called Klarna Pay Now. However, information in this documentation has remained the same.

Customers from various European countries can use the payment method SOFORT Banking to make a payment using internet banking in their webshop.

28.2. Clearing

Stichting Pay.nl receives and processes SOFORT Banking transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with SOFORT Banking.

28.3. Checkout screen

The SOFORT Banking checkout screen is responsive, accepts payments in euros and is available in the following languages:

• German
• English

Demo

• View the SOFORT Banking checkout screen

28.4. Not guaranteed

SOFORT Banking is not a guaranteed payment option. In certain cases, you might not receive payments. This is a risk that you should assess when accepting SOFORT Banking as a payment method.

If you want to receive additional information about SOFORT Banking transactions, please send an e-mail to risk.munich@klarna.com with the following information:

• PAY. order ID
• Date and time
• Your description
• Amount
• The payer's IBAN number

PAY. places the turnover in your reports at the time of receipt, after which they are paid.

28.5. Categories

You can use the payment option SOFORT Banking if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car & Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto Currency
1	Digital entertainment (Adults)
10	Digital entertainment (Gaming & Mediums)
55	Digital products (software, downloads)
11	Digital services (dating)
85	Deal websites (daily offers and specials)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
24	Health
29	Home & Deco
5	Jewelry & Accessoires
82	Legal psychotropic substances
31	Music, Movies & Games
46	Only on advice from PAY: Special consumer products
9	Other business services
43	Pets and accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (member service)
7	Tickets
34	Toys
36	Travel
79	Tobacco & E-cigarettes
30	Watches & Jewelry

28.6. Images

You can use one of the images below, if you want to display the SOFORT Banking logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/4.png SVG https://static.pay.nl/payment_profile_brands/100x100/4.svg

29. SprayPay

29.1. Information

Facts
Category	Spread payments
Market	The Netherlands
Market share	Unknown
Currency	Euro
Payout	After the transaction is accepted, SprayPay takes over the entire credit risk
Limit	€ 250,- to € 3.500,-
Refund	Multiple refunds per transaction possible up to 100% of the order amount
Clearing	via PAY.
Payout speed	After 30 days
Status	Active
Expire time	4 hours
Payment option ID	1987
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Allowed but never more than the actual transaction costs

SprayPay offers your customers the option to spread the payment for their purchases on a monthly basis. The amount of the spread payments ranges between € 250,- and € 3.500,-.

29.2. Contact details

Please fill in this contact form if you have any questions about SprayPay or if you would like to know how you can offer this payment method in your webshop. For specific questions about an order via SprayPay please fill in this contact form to contact the SprayPay customer service.

Contact	Merchants	Consumers
Telephone number:	030 - 76 06 540	030 - 76 06 540

29.3. Limit and check

After starting the transaction, SprayPay performs a number of checks in real time to determine whether the transaction is eligible for a spread payment. After approval, SprayPay takes over the entire credit risk.

29.4. Payout

Stichting Pay.nl receives and processes SprayPay transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with SprayPay.

29.5. Checkout screen

The SprayPay checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch

29.6. Categories

You can use the payment option SprayPay if your webshop / sales location sells one of the product categories below.

ID	Name
21	Baby & kids
22	Beauty and wellness
73	Cars and engines (parts)
52	Consumer purchases
37	Department stores
32	Education and trainig
4	Electronics
26	Fashion, clothing and shoes
27	Gadgets
33	Garden & tools
23	Gifts & Cards
24	Health
29	Home & decoration
88	Medical devices
31	Music, films and games
43	Pets and accessories
35	Sports and leisure
34	Toys
30	Watches & Jewels

29.7. Images

You can use one of the images below, if you want to display the SprayPay logo on your website or webshop.

PNG icoon	SVG icoon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/20.png SVG https://static.pay.nl/payment_profile_brands/100x100/20.svg

30. Telephone payments

30.1. Information

Facts
Category	Telephone payments
Market	The Netherlands
Market share	Unknown
Currency	Euro
Payout	Guaranteed, reversing a payment is not possible
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	25 days after the end of the month
Status	Active
Expire time	4 hours
Payment option ID	1600
Package	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

With the telephone payment option telephone payments (also known as Pay Fixed Price (PFP)) you can let your customers pay a fixed amount with their telephone. The visitor of your webshop pays up to the amount of the purchase with his / her mobile phone, after which the connection is automatically disconnected.

Currently, only Dutch customers can use this payment method through an 090X service number with a consumer rate of € 1,- per minute.

30.2. Payout

Stichting Pay.nl receives and processes telephone payment transactions and pays the received transactions to you through the process of clearing. Please be aware of the long release period: 25 days after the end of the month.

Net payout

A big advantage for you as a merchant of this payment method is that the costs are entirely for the user's account. Depending on the telephone line used, the end user pays a surcharge per minute.

Example

You sell a product for € 10,-. Your Dutch customer calls a paid service number of € 1,- per minute. If you suppose that the costs for this payment method are 10%. To settle this amount, the user must remain on the line for 11 minutes. The costs for the user are then € 11,-. The net payout is € 10,-.

30.3. Refunds

In the Admin Panel you can reverse a payment to the end user's account.

You can make multiple IBAN refunds per transaction. The maximum amount that can be refunded to an end user is 100% of the original order amount + € 30,-.

External refunds

From the Professional package it is also possible to create an external refund. The external refund is not linked to the original transaction but will appear as a separate refund in the Admin Panel. To create the external refund, you must have the IBAN number and the name of the account holder.

30.4. Checkout screen

The telephone payment checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Dutch
• English

Demo

• View the telephone payments checkout screen

30.5. Categories

You can use the payment option telephone payments if your webshop / sales location sells one of the product categories below.

ID	Name
21	Babies & Kids
22	Beauty & Wellness
73	Car and Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value)
64	Crowdfunding, peer-to-peer platforms for loans or payments
40	Crypto Currency
1	Digital entertainment (adults)
10	Digital entertainment (Gaming & Mediums)
11	Digital services (dating)
85	Deal websites (daily offers and specials)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
25	Food & Beverages
27	Gadgets
33	Garden & Tools
49	Gift cards, vouchers, calling credit
24	Health
29	Home & Deco
5	Jewelry & Accessoires
82	Legal psychotropic substances
31	Music, Movies & Games
46	Only on advice from PAY: Special consumer products
9	Other business services
76	Parking and reservations
43	Pets and accessoires
23	Presents & Cards
6	Reading, DVDs & CDs
61	Retailers in precious metals and diamonds
37	Shopping
35	Sports & Leisure
20	Subscriptions (member service)
79	Tobacco & E-cigarettes
34	Toys
7	Tickets
36	Travel
30	Watches & Jewelry

30.6. Images

You can use one of the images below, if you want to display the telephone payments logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/49.png SVG https://static.pay.nl/payment_profile_brands/100x100/49.svg

31. Trustly

31.1. Information

Facts
Category	Internet banking
Market	Sweden, Finland, Germany, The Netherlands, United Kingdom, Estonia, Latvia, Lithuania, Denmark, Poland, Norway, Spain, Czech Republic, Belgium, Austria and Slovakia.
Market share	Unknown
Currency	Multiple currencies, not only euros
Payout	Not guaranteed
Refund	Multiple refunds per transaction possible up to 100% of the order amount + € 30,-
Clearing	via PAY.
Payout speed	Depending on the merchant status
Status	Active
Expire time	-
Payment option ID	2718
Pakket	Available in the following packages: Pioneer, Professional, Business and Corporate
Surcharging	Not allowed

Trustly is a Swedish online payment method for bank transfers in Europe. More than 3.300 banks in 29 European countries support this online payment service. Trustly was founded in 2018 and is known as one of the safest payment methods on the market. It is a recognized and authorized payment service that is supervised by the Finansinspektionen, the Swedish financial supervisory authority.

31.2. Contact details

Please contact the Merchant support department if you have any questions about Trustly or if you would like to know how you can offer this payment method in your webshop.

Contact	Merchants
E-mail:	support@trustly.com

31.3. Activation

Your customer does not need to register with Trustly to make a payment. With Trustly, your customers pay safely and quickly online without leaving your webshop. When your customer makes a purchase and chooses Trustly, a pop-up screen appears and the payment can be completed in a few clicks:

1. In the check-out, your customer selects Trustly as payment method.
2. Your customer then selects their own bank and the bank account they want to use for making the purchase. Within the trusted banking environment, the customer pays with an e-reader or QR code.
3. The payment is processed, your customer is redirected to the payment page of your webshop where they can see whether the payment was successful or if it has failed.

31.4. Payout

Stichting PAY. receives and processes Trustly transactions and pays the received transactions to you through the process of clearing. It is not necessary to create an extra account or to sign an agreement with Trustly.

31.5. Checkout screen

The Trustly checkout screen is responsive, accepts payments in euros and is available in the following languages:

• Czech
• Danish
• Dutch
• English
• Estonian
• Finnish
• French
• German
• Latvian
• Lithuanian
• Norwegian
• Polish
• Russian
• Slovak
• Spanish
• Swedish

31.6. Categories

You can use the payment option Trustly if your webshop / sales location sells one of the product categories below.

ID	Naam
21	Baby & Kids
9	Business services
73	Car and Motor (parts)
28	Charity (ANBI status)
52	Consumer purchases (average order value less than € 100,-)
85	Deal websites (daily offers and specials)
1	Digital entertainment (adults)
55	Digital products (software, downloads)
11	Digital services (dating)
32	Education & Training
4	Electronics
26	Fashion, Clothing & Shoes
27	Gadgets
23	Gift cards, vouchers, calling credit
29	Home & Deco
70	Invoicing
5	Jewelry & Accessories
31	Music, Movies & Games
76	Parking & Reservations
43	Pets & Accessoires
6	Reading, DVDs & CDs
37	Shopping
35	Sports & Leisure
20	Subscriptions
7	Ticketing
36	Travel
34	Toys & Games
30	Watches & Jewelry

31.7. Images

You can use one of the images below, if you want to display the Trustly logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/213.png SVG https://static.pay.nl/payment_profile_brands/100x100/213.svg

32. WeChat Pay

WeChat Pay is a semi-wallet. A semi-wallet can transfer money to other payment methods such as a bank account or credit card. The WeChat App was released in 2011 by contract partner Tencent and has been installed by millions of end users for online communication and payments.

In the WeChat App Chinese end users can link their current account or credit card. If an end user has paid, and this has been confirmed by the app, the same amount is then deducted from the WeChat Pay balance or from the linked payment method. WeChat Pay transactions are received in the accounting balance.

PAY: a brief introduction With PAY. you can easily accept WeChat and AliPay payments in your webshop, checkout or via the PAY. app.

32.1. Information

Facts
Category	Wallets
Market	China
Share	800 million users
Currency	All (automatic conversion to Euro)
Payout	Guaranteed
Refund	One refund per transaction possible up to 100% of the order amount
Clearing	Fullservice (payout and invoicing via PAY.)
Payout speed	5 days
Status	Active
Expire time	4 hours
Payment option ID	1978
Rate ID	1978 (WeChat Pay E-commerce) and 2074 (WeChat Quickpay)
Package	Available in the following packages: Pioneer, Professional, Business and Corporate

32.2. E-Commerce by scanner

Payments at the checkout (in the physical store) can be made using the QuickPAY option. The user can select this option by going to MONEY in the app where a QR-code is shown. Both contain a unique code which is valid as long as the app is open. If no hand scanner is available, you can choose to display the payment code on the screen. In that case an 18-digit code starting with the number 10, 11, 12, 13 or 14 can be entered manually by the staff member. Once the code has been entered, your customer will receive a confirmation on their mobile phone. Sometimes, when a payment is made straight away and when it contains a higher amount, the customer can press the ''PAY NOW'' button.

The user’s mobile phone must be connected to the internet during the payment. The speed of the payment depends on the internet connection. In practice, the app receives the payment request from the cash register within one second.

32.3. E-commerce via QR

Online payments can be easily done by your customer with the help of the app. As soon as your customer chooses WeChat as a payment option, he / she is forwarded to a hosted payment page (HPP) where a QR-code is displayed. As soon as this code is scanned, the transaction details such as your company / trade name, the amount and the description of the payment order are shown on the display. In most cases, pressing the ''PAY NOW'' button is important. In certain cases, the app will ask for additional verification (i.e. a password, pin code or a Face ID / Touch ID).

32.4. Images

You can use one of the images below, if you want to display the WeChat logo on your website or webshop.

PNG icon	SVG icon
HTTP Request PNG https://static.pay.nl/payment_profile_brands/100x100/23.png SVG https://static.pay.nl/payment_profile_brands/100x100/23.svg

33.

33.1. Move instore terminal to PAY.

A total of € 150,- is charged for taking over a PIN terminal and for converting the terminal to the PAY.cloudpin platform. You can start the application by following the steps below:

• Check if your terminal has the following type: Yomani ML 2 Base Unit
• Find the POI number
• Send an e-mail to your current provider (or Worldline) that you want to link the terminal to PAY. If you can't find the POI number, you can request it from your current supplier.
• Send an e-mail to support@pay.nl with the following information:

What we need	Explanation
Merchant ID	Please register at PAY. if you don't have a Merchant ID
POI	8 numbers
Serial number	The serial number is on the bottom of the terminal and consists of 3 letters followed by 4 numbers
Digit check	A combination of numbers
CVV TID	The unique identification number of your PIN terminal
The services you would like to activate	Activation: PIN, refunds, credit cards?

Important

Do you also want to receive credit card payments or debit card payments via PAY? To receive these payments on your PIN terminal please read this article. Would you (also) like to make use of the refund option then read this article. Send the requested information per service type to boarding@pay.nl.

33.2. Creditcard activation

Would you like to activate credit card payments on your PIN terminal(s)? Then please send an e-mail with the following information:

Terminal	TH-....-....
Activate card	VISA, Visa electron, Mastercard
Urgen request	YES/ NO*

You can easily find the TH-code in the Admin Panel. Navigate to the Admin Panel. Click on the "Manage" tab. Then press ''PIN terminals''. The TH-code can be found in the orange left bar of the column. In the overview you will also find other information including the status and settings of your PIN terminal.

• Only possible with Yomani terminals.
• You pay a monthly service fee of € 1.50 per terminal and per activated card (free until December 2020!).
• When changing a terminal, the terminal costs of € 13.95 are charged.
• An application takes an average of 5 working days.
• An urgent request can be processed within 48 hours. Additional costs of € 79,- per application will be charged.