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Payment Methods Overview 💳

PayRequest supports a comprehensive range of payment methods to accommodate customers worldwide. From European-focused solutions like iDEAL and SEPA Direct Debit to international options like credit cards and digital wallets, we’ve got you covered.
Multi-Provider Support: PayRequest integrates with multiple payment providers, giving you flexibility and redundancy for your payment processing needs.

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🌍 Payment Method Categories

PayRequest organizes payment methods into logical categories to help you choose the best options for your customers:

🇪🇺 European Methods

Regional Specialists
  • iDEAL (Netherlands)
  • Bancontact (Belgium)
  • SEPA Direct Debit (EU-wide)
  • Sofort (Germany)
  • Giropay (Germany)

🌎 International Methods

Global Solutions
  • Credit/Debit Cards (Visa, Mastercard, Amex)
  • PayPal
  • Revolut Pay
  • Apple Pay
  • Google Pay
  • Bank Transfers

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💳 Credit and Debit Cards

The most universally accepted payment method, perfect for international customers.

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Supported Card Types

Visa
  • Global acceptance
  • Debit and credit variants
  • 3D Secure authentication
  • Instant payment processing
Mastercard
  • Worldwide recognition
  • SecureCode protection
  • Corporate card support
  • Real-time fraud detection
American Express
  • Premium card network
  • Enhanced security features
  • Corporate travel cards
  • Higher interchange fees

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Card Processing Features

Security

  • 3D Secure authentication
  • PCI DSS compliance
  • Fraud detection algorithms
  • Tokenization support

User Experience

  • One-click checkout
  • Saved payment methods
  • Mobile-optimized flow
  • Guest checkout options

Business Tools

  • Real-time processing
  • Automatic retries
  • Chargeback protection
  • Detailed reporting

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🏦 European Bank Payment Methods

Optimized for European customers with local banking preferences and lower processing costs.

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iDEAL (Netherlands)

Market Dominance: Used by 60%+ of Dutch online shoppers Bank Coverage: All major Dutch banks supported Security: Bank-level authentication and authorization Customer Experience: Direct bank-to-bank transfer with instant confirmationHow it Works:
  1. Customer selects iDEAL at checkout
  2. Chooses their bank from a list
  3. Redirected to secure bank environment
  4. Authenticates using bank credentials
  5. Confirms payment amount and details
  6. Returns to merchant with payment confirmation
Business Benefits:
  • Lower transaction fees than cards
  • Guaranteed payment (no chargebacks)
  • Instant payment confirmation
  • High customer trust and adoption
  • No setup fees or monthly costs
Transaction Fees: Typically €0.29 per transaction No Percentage Fee: Fixed cost regardless of amount No Setup Costs: Free to activate through PayRequest Volume Discounts: Available for high-transaction merchantsCost Comparison Example:
  • €100 payment via iDEAL: €0.29 fee (0.29%)
  • €100 payment via credit card: €2.50+ fee (2.5%+)
  • €1000 payment via iDEAL: €0.29 fee (0.029%)

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Bancontact (Belgium)

Market Share: 70%+ of Belgian online payments Bank Integration: All Belgian banks participate Mobile App: Bancontact by Payconiq for mobile payments QR Code Support: In-store and online QR paymentsCustomer Flow:
  1. Select Bancontact at checkout
  2. Enter card number or use mobile app
  3. Authenticate with card reader or mobile PIN
  4. Confirm payment in banking environment
  5. Instant payment confirmation
Advantages:
  • Trusted by Belgian consumers
  • Lower costs than international cards
  • Instant payment processing
  • Mobile-first innovation
  • Fraud protection through bank security

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SEPA Direct Debit

Coverage: All 36 SEPA countries (EU + EEA + others) Use Cases: Perfect for subscriptions and recurring billing Mandate System: Customer authorization for automatic payments Settlement: T+1 settlement (next business day)SEPA Direct Debit Process:
  1. Customer provides mandate authorization
  2. Merchant collects signed mandate
  3. First payment processed with advance notice
  4. Subsequent payments automatically debited
  5. Customer retains refund rights (8 weeks)
Business Benefits:
  • Lowest cost payment method in Europe
  • Automatic recurring billing
  • High success rates
  • Predictable cash flow
  • Reduced payment friction for customers
Requirements:
  • Valid SEPA mandate from customer
  • 14-day advance notice for first payment
  • 5-day notice for subsequent payments
  • Creditor identifier (provided by PayRequest)
Digital Mandates: Electronic signature collection Mandate Storage: Secure, compliant mandate archiving Customer Communication: Automated mandate notifications Compliance: Full SEPA regulation adherenceMandate Types:
  • One-off: Single payment authorization
  • Recurring: Multiple payment authorization
  • Business-to-Business: B2B specific mandates with shorter refund periods
PayRequest Automation:
  • Automatic mandate creation during checkout
  • Digital signature collection
  • Mandate status tracking and management
  • Automatic pre-notification emails
  • Failed payment retry logic

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🌐 International Payment Methods

Reach customers worldwide with globally recognized payment solutions.

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Digital Wallets

PayPal

Global Reach: 400+ million active users Buyer Protection: Built-in fraud protection Express Checkout: Skip form filling Currency Support: 25+ currencies Mobile Optimized: App and mobile web

Apple Pay

iOS Integration: Native iPhone/iPad payments Touch/Face ID: Biometric authentication Privacy Focused: No card details shared Instant Payments: One-touch checkout In-App Support: Mobile app integration

Google Pay

Android Native: Built into Android devices Chrome Integration: Browser-based payments Contactless: NFC payment support Security: Tokenized transactions Global Availability: 40+ countries

Microsoft Pay

Windows Integration: Native Windows 10/11 Edge Browser: Seamless web payments Xbox Support: Gaming platform integration Enterprise Focus: B2B payment solutions Security: Enterprise-grade protection

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Bank Transfers

Zero Fee Payments: Accept bank transfers with no PayRequest transaction fees Automatic Matching: Ponto integration matches incoming payments automatically Unique References: Each payment gets a unique reference code (PAY-12345) Instant Recognition: Payments matched within minutes of arriving in your bankHow It Works:
  1. Customer selects Bank Transfer at checkout
  2. Customer sees your IBAN and unique reference code
  3. Customer transfers exact amount via their bank
  4. Ponto syncs your bank transactions automatically
  5. PayRequest matches the reference and marks invoice as paid
Requirements:
  • Ponto bank connection (Settings → Ponto)
  • Business bank account with Ponto-supported bank
  • Bank Transfer payment method enabled
Use Cases:
  • High-value B2B transactions
  • Cost-conscious customers (0% fees)
  • Customers preferring bank-direct payments
  • Markets with strong bank transfer culture (Netherlands, Belgium, Germany)
PayRequest Features:
  • Automatic bank details display with copy buttons
  • Unique payment reference generation
  • Automatic payment matching via Ponto
  • Real-time bank transaction syncing
  • No manual reconciliation needed
Learn more about Bank Transfer Payments →
SWIFT Network: International bank transfers for global payments Manual Process: Customer-initiated transfers without automatic matching Settlement Time: 3-5 business days for international transfersUse Cases:
  • International customers outside SEPA zone
  • High-value cross-border transactions
  • Customers without access to other payment methods

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🚀 Emerging Payment Methods

Stay ahead with next-generation payment technologies.

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Buy Now, Pay Later (BNPL)

Klarna

Pay Later: 30-day payment terms Installments: Split payments over time No Interest: 0% financing options Consumer Protection: Purchase guarantees Mobile App: Customer account management

Afterpay

4 Installments: Split into equal payments No Interest: Fee-free for on-time payments Instant Approval: Real-time credit decisions Consumer Friendly: Transparent fee structure Merchant Protection: Payment guarantee

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Cryptocurrency

PayRequest supports USDC stablecoin payments on Base (Coinbase’s L2) and Solana — automatic on-chain settlement, near-zero fees, no “I have paid” confirmation required.

Base USDC

Coinbase’s Base L2 — 2-second finality, MetaMask / Coinbase Wallet

Solana USDC

Solana Pay QR codes — sub-cent fees, Phantom / Backpack

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26+ Digital Wallets & P2P Platforms

Accept payments from regional wallets worldwide — Revolut, Wise, Cash App, GCash, UPI, Pix, M-Pesa, WeChat Pay, and 18 more. Customers pay in their own app and confirm with “I have paid.”

See all supported digital wallets →

Europe · Americas · South Asia · SE & East Asia · Africa · Canada

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📊 Payment Method Comparison

Choose the right payment methods for your business model:

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🎯 Choosing the Right Payment Methods

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For European Businesses

1

Start with Local Methods

Enable iDEAL for Netherlands, Bancontact for Belgium, and SEPA for EU-wide coverage
2

Add International Cards

Support Visa and Mastercard for international customers and tourists
3

Consider Digital Wallets

Add PayPal and Apple Pay for mobile-first customers
4

Enable SEPA for Subscriptions

Set up SEPA Direct Debit for recurring billing and subscription models

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For Global Businesses

1

Universal Card Support

Enable all major card networks (Visa, Mastercard, Amex)
2

Digital Wallet Integration

Support PayPal, Apple Pay, and Google Pay for broader reach
3

Regional Specialists

Research and add local payment methods for your target markets
4

Alternative Methods

Consider BNPL and bank transfers for specific customer segments

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🔧 Payment Method Configuration

Configure payment methods through your PayRequest dashboard:
Navigation: Settings → Payment Providers → [Select Provider]Configuration Steps:
  1. Connect your payment provider account
  2. Enable desired payment methods
  3. Configure method-specific settings
  4. Test payment flows
  5. Monitor performance and adjust
Testing Requirements:
  • Process test transactions
  • Verify webhook delivery
  • Test mobile payment flows
  • Validate error handling
  • Confirm settlement processes
Key Metrics:
  • Payment success rates by method
  • Average transaction values
  • Customer preference trends
  • Geographic usage patterns
  • Cost analysis and optimization
PayRequest Analytics:
  • Real-time payment method performance
  • Customer payment preference insights
  • Revenue attribution by payment type
  • Failed payment analysis
  • Conversion rate optimization data

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🚨 Security and Compliance

All payment methods in PayRequest maintain the highest security standards:

PCI Compliance

  • PCI DSS Level 1 certification
  • Secure card data handling
  • Tokenization for stored data
  • Regular security audits

Fraud Protection

  • Real-time fraud detection
  • Machine learning algorithms
  • Risk scoring systems
  • Merchant protection programs

Data Protection

  • GDPR compliance
  • Data encryption in transit
  • Secure data storage
  • Privacy by design

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📞 Need Help with Payment Methods?

Setup Assistance

Get help configuring payment methods for your specific business needs

Provider Support

Direct support for payment provider integration and troubleshooting

Optimization Consulting

Analyze and optimize your payment method mix for better conversion

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🎓 Next Steps

Set Up Payment Providers

Connect Mollie, Stripe, PayPal, Payoneer, or Revolut Pay to start accepting payments

Create Payment Forms

Build custom payment forms for specific use cases and campaigns

QR Code Payments

Enable contactless payments with QR codes for in-person transactions

Handle Chargebacks

Learn to manage and prevent payment disputes effectively
Pro Tip: Start with 2-3 payment methods that match your customer base, then gradually add more based on customer requests and geographic expansion. Monitor performance metrics to optimize your payment method mix for maximum conversion and minimum costs.