Payment Method Guide
Discover the diverse payment methods and options you can offer shoppers globally with Digital River.
Not all countries or territories may be represented. Some may not be available due to embargoes or other restrictions. For further information please contact us.
Bank Transfer
Bank transfers are a popular, cost-efficient payment method leveraged around the world. They allow shoppers to make payments online directly from their bank account to a merchant’s bank account. Bank transfers are typically processed within 3 to 4 business days and are limited to bank accounts within the same country, with the exception of SEPA (Single Euro Payments Area) where shoppers are able to leverage bank transfers across countries in Europe. Most often bank transfer payments are used by shoppers to pay bills.
Processing Currencies
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Customer Experience
The payment flow that the shopper experiences using this payment method.
The payment flow that the shopper experiences using this payment method.
Payment Type
SEPA (Single Euro Payments Area) Direct Debit enables merchants to accept one-time or recurring payments transferred directly from a shoppers bank account. It is a key payment method for expanding into new markets across Europe.
Payment Details
Shopper chooses Direct Debit at checkout and proceeds to enter their bank account number, bank code, and bank name. The shopper then must agree to the SEPA Direct Debit Mandate terms by selecting ‘Continue’. Upon verifying their information and submitting the order, the shopper is directed to a ‘Thank You’ page with a confirmation for their order.
Features- Chargebacks
- Recurring Transactions
- Refunds
SEPA Direct Debit Global Availability
Processing Currencies
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Customer Experience
The payment flow that the shopper experiences using this payment method.
The payment flow that the shopper experiences using this payment method.
Payment Type
Trustly is a high demand bank transfer payment across Europe. This payment method allows shoppers to make or receive payments securely by signing-in from the merchant’s site or app without a card.
Payment Details
Once the shopper selects Trustly at checkout they are redirected to the Trustly interface. From here they choose which bank they want to leverage and login using two-factor authentication. The shopper then chooses the account they want to pay from and verifies payment.
Features- Cross-Border Transactions
- In-Country Transactions
- Multiple Partial Captures
- No Chargeback RIsk
- Non-recurring Transactions
- Refunds
Trustly Global Availability
Processing Currencies
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Customer Experience
The payment flow that the shopper experiences using this payment method.
The payment flow that the shopper experiences using this payment method.
Payment Type
Online banking payments, also known as bank transfers, allow shoppers to pay merchants directly from their bank account. This is a popular payment method in countries where online credit card usage is low. Digital River has established connections to a variety of banks globally along with popular global bank transfer solutions like iDEAL and SOFORT.
Payment Details
Shopper selects Online Banking at checkout, enters billing information, then selects ‘Continue’. Shopper must then verify the billing information and agree to the terms and conditions before submitting the order. Then the shopper receives a ‘Thank You/Confirmation’ page with instructions on how to complete the payment.
Features- Chargebacks
- Multiple Partial Captures
- Refunds
Online Banking Global Availability
Processing Currencies
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Customer Experience
The payment flow that the shopper experiences using this payment method.
The payment flow that the shopper experiences using this payment method.
Payment Type
This app supported mobile payment service uniquely connects banks, payment acquirers, and merchants alike for a seamless and secure checkout experience enabling Polish shoppers to pay directly from their bank accounts. Accounting for almost 60% of all online banking transactions in 2021, BLIK is the leading payment option across eCommerce sites in Poland. BLIK also covers 97% of Polish mobile banking users.
Payment Details
When the shopper chooses BLIK at checkout they are redirected to the BLIK interface and prompted to enter a 6-digit code generated through their mobile banking app. In the app the shopper reviews their transaction and authorizes payment. Once the payment is confirmed the shopper can then choose to save the Merchant for future purchases.
Features- Chargebacks
- Cross-Border Transactions
- In-Country Transactions
- Multiple Partial Captures
- Non-recurring Transactions
- Refunds
BLIK Global Availability
Processing Currencies
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Customer Experience
The payment flow that the shopper experiences using this payment method.
The payment flow that the shopper experiences using this payment method.
Payment Type
Giropay is the leading online banking payment method in Germany. This well known payment option allows shoppers to pay for their purchases (without registering) directly from their bank account. This payment method supports the majority of banks in Germany. Shoppers complete their purchases by using their typical online banking and PIN and TAN.
Payment Details
Upon selecting Giropay at checkout the shopper is redirected to select the bank they wish to pay from. From their they log in to their bank and confirm payment.
Features- Cross-Border Transactions
- In-Country Transactions
- Multiple Partial Captures
- No Chargeback RIsk
- Non-recurring Transactions
- Refunds
GiroPay Global Availability
Processing Currencies
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Available currencies will depend on the payment method provider, as well as any regulatory restrictions. The currency capabilities with restrictions are indicated with an asterisk (*) below.
Customer Experience
The payment flow that the shopper experiences using this payment method.
The payment flow that the shopper experiences using this payment method.
Payment Type
iDEAL is the leading online banking payment method in the Netherlands. This payment option allows shoppers to pay for their online purchases through their banking app or bank account securely, easily, and quickly.
Payment Details
The shopper selects iDEAL as their payment method and is redirected to a payment page where they can select their bank or scan a QR code. Upon logging in to their bank the shopper confirms the transaction and the order is confirmed.
Features- Cross-Border Transactions
- In-Country Transactions
- Multiple Partial Captures
- No Chargeback RIsk
- Non-recurring Transactions
- Refunds
iDEAL Global Availability
Where would you like to sell?
Use our Country Guide to explore the ecommerce markets you’ll unlock with Digital River to fuel and optimize your global expansion.
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