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Payment Method Guide

Discover the diverse payment methods and options you can offer shoppers globally with Digital River.

Payment Method Guide
Country Guide

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.

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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.

SEPA Direct Debit Bank Transfer
Available with Digital River in 27 Countries/Territories

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.

Customer Experience

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

Key Benefits A convenient, secure way to for your shoppers to pay across the European Union. SEPA Direct Debit is used to facilitate over 20 billion transactions annually. How it Works

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

See all available countries/territories
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Trustly Bank Transfer
Available with Digital River in 10 Countries/Territories

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.

Customer Experience

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

Key Benefits Trustly offers payments to and from consumer bank accounts for 6,000+ banks across Europe. Including Trustly at checkout increases shopper loyalty by offering the ease of paying directly from their preferred bank account. Merchants also benefit from an authenticated payment - meaning zero chargeback risk! How it Works

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


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Online Banking Bank Transfer
Available with Digital River in 7 Countries/Territories

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.

Customer Experience

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

Key Benefits Leverage online banking to reach shoppers less likely to leverage credit and credit cards. How it Works

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


Start selling globally today
Available with Digital River in 1 Country/Territory

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.

Customer Experience

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

Key Benefits BLIK boasts an expansive reach of over 10.1 billion active users to date and on average converts at a rate of 93%. Of the top eCommerce players selling to Poland 100% of them make sure to include BLIK as a payment option. How it Works

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


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GiroPay Bank Transfer
Available with Digital River in 1 Country/Territory

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.

Customer Experience

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

Key Benefits Giropay's market share makes this payment method one of the top 5 e-Commerce payment options in Germany with over 1 million transactions per month. With GiroPay you can reach over 45 million online banking shoppers who make up around 54% of the German population. Additionally, with this payment method upon confirmation payment is guaranteed without risk of fraud or chargebacks. How it Works

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


Start selling globally today
Available with Digital River in 1 Country/Territory

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.

Customer Experience

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

Key Benefits Over 98% of Dutch online banking users can pay with iDEAL, making this payment method one of the top 10 strongest brands in the Netherlands. In 2021, for the first half of the year 96% of all Dutch online shoppers used iDEAL. Leverage this payment method to appeal to millions of Dutch shoppers and mitigate chargeback risk. How it Works

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


Start selling globally today
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