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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Payment Method Guide Payment Methods

All Payment Methods for United States of America: Buy Now Pay Later

Buy Now Pay Later (BNPL) payments enable shoppers to purchase goods immediately and pay for them over time. Many BNPL providers offer various pay later options with zero interest or at a low interest rate, including but not limited to, instalments (Pay in 4), financing (Credit) or invoicing (Pay in 30 Days) options. With these options shoppers pay over time, but merchants are paid upfront.

TreviPay Buy Now Pay Later
Available with Digital River in 16 Countries/Territories
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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

Looking to modernize the B2B purchase experience, Digital River enables Merchants to extend a line of credit for business buyers at checkout. This is a branded pay by PO solution facilitating online B2B payments by offering flexible net terms, digital invoice handling, collections, credit approval management, and improving the overall B2B online buying experience.

Payment Details

Key Benefits Offering net terms online for business buyers streamlines the legacy accounts receivable and payable processes, alleviates cash flow constraints for buyers, and leads to increased buyer loyalty and higher average order values. With this payment method Merchants reduce their credit risk, offload collection responsibilities and get paid up front while their buyers pay over time. How it Works

Buyers select TreviPay option at checkout, then they either login to the Merchants profile to complete their purchase or apply for their line of credit. Upon approval the buyer is able to complete their transaction, manage purchases, statements and vendor forms through the buyer portal.

Features
  • Chargebacks
  • Multiple Partial Captures
  • Recurring Transactions
  • Refunds

TreviPay Global Availability

Australia
Austria
Belgium
Canada
Denmark
France
Germany
Ireland
Luxembourg
Netherlands
New Zealand
Poland
Spain
Switzerland
United Kingdom
United States of America
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Klarna Financing Buy Now Pay Later
Available with Digital River in 6 Countries/Territories
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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

Klarna’s Financing option empowers shoppers to buy now and spread the cost of the purchase over time with monthly payments. This payment option can allow your shoppers up to 36 months to pay for their purchases with interest, while Merchants are paid upfront.

Payment Details

Key Benefits On average Merchants offering Klarna Financing have seen up to a 58% boost to their average order values. How it Works

When a shopper selects Klarna at checkout, they are redirected to a Klarna-hosted payment page where they agree to terms and complete their purchase. After completing the purchase, the shopper is redirected back to the merchant’s store where they receive a confirmation page. After reviewing the shopper’s application, Klarna sends an approval notification to the merchant letting them know the order can be shipped. Digital River pays our clients upfront while the shopper pays Klarna the initial payment based on the financing terms the shopper chose.

Features
  • Chargebacks
  • Refunds

Klarna Financing Global Availability

Austria
Finland
Germany
Norway
Sweden
United States of America
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Afterpay Buy Now Pay Later
Available with Digital River in 4 Countries/Territories
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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

Afterpay allows your customers to buy now and pay later in 4 interest-free installments over 6 weeks. No surprises and no fees when paid on time. They’ll love you for it.  

Payment Details

Key Benefits Afterpay increases shopper frequency by up to 50% and average order value by up to 40%. It also increases approval rates and reduces the number of returns. How it Works

After selecting Afterpay at checkout the shopper is redirected to Afterpay where they review the terms and enter their payment information. Upon successful completion of the Afterpay form the shopper is directed back to the merchant site to complete their purchase. The merchant is paid up front while the shopper pays Afterpay over time.

Features
  • Chargebacks
  • Multiple Partial Captures
  • Non-recurring Transactions
  • Refunds

Afterpay Global Availability

Australia
Canada
New Zealand
United States of America
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PayPal Pay in 4 Buy Now Pay Later
Available with Digital River in 3 Countries/Territories
View Details

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

Pay in 4 allows customers to pay for their Australia purchases (between A$50 to A$1500), France purchases (between € 30 to € 2,000), or U.S. purchases (between $30-$600) in four interest-free payments. The first payment is due at checkout with the next 3 payments spread across monthly payments in France and biweekly payments in Australia and the U.S.

Payment Details

Key Benefits Offering a buy now pay later option at checkout has proven to empower shopper purchasing power and increases average order values. Merchants offering Pay in 4 with pay later messaging have seen a 56% increase in overall average order value. How it Works

After the shopper selects PayPal in the shopping cart, they are redirected to PayPal Checkout where they select their preferred option. If the shopper continues with Pay in 4, they see their payment schedule and confirm the terms by selecting “Continue”. After the order is processed, Digital River pays our client up front while the shopper pays over time.

Features
  • Chargebacks
  • Refunds

PayPal Pay in 4 Global Availability

Australia
France
United States of America
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Klarna Pay in 4 Buy Now Pay Later
Available with Digital River in 2 Countries/Territories
View Details

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

Klarna’s Pay in 4 payment option makes online purchasing easier for shoppers by allowing them to pay for their purchases in 4 equal parts. Pay in 4 equips your shoppers with the freedom to pay for their purchases over 3 months without interest or any upfront fees. It’s simple and fast, and Merchants are paid upfront.

Payment Details

Key Benefits Installment payment options are a great way to break up payments for your customers. By offering installments with Klarna some Merchants have seen an increase in their average order value by as much as 68%. How it Works

When a shopper selects Klarna at checkout, they are redirected to a Klarna-hosted payment page where they agree to terms and complete their purchase. After completing the purchase, the shopper is redirected back to the merchant’s store where they receive a confirmation page. After reviewing the shopper’s application, Klarna sends an approval notification to the merchant letting them know the order can be shipped. Digital River pays our clients upfront while the shopper pays Klarna the first installment at checkout and the other three payments in the following three months.

Features
  • Chargebacks
  • Recurring Transactions
  • Refunds

Klarna Pay in 4 Global Availability

Canada
United States of America
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PayPal Credit Buy Now Pay Later
Available with Digital River in 2 Countries/Territories
View Details

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

PayPal Credit allows shoppers to buy now and spread the cost of the purchase over time with monthly payments. PayPal Credit is a standard payment option offered by PayPal allowing shoppers to pay for their purchases over time. UK shoppers can access four months of interest-free financing for purchases between £45 – £2,000*. In the U.S. shoppers can access six months of interest-free financing with a minimum purchase of $99*. As a secure, instant, and reusable credit line, PayPal Credit is a strategic payment option, especially for high-end Merchants.

*PayPal Credit is subject to consumer credit approval.

Payment Details

Key Benefits PayPal Credit is an easy way to offer financing options to your shoppers— credit that lets them buy now and pay over time while you get paid in full, upfront. 56% of PayPal Credit users said they are more likely to shop again at a retailer that offers PayPal Credit. How it Works

After the customer selects PayPal in the shopping cart, they are redirected to PayPal Checkout where they select their preferred option. If the customer continues with PayPal Credit, they see the terms and confirm by selecting Continue. After the order is processed, Digital River pays our client up front while the consumer pays over time.

Features
  • Chargebacks
  • Refunds

PayPal Credit Global Availability

United Kingdom
United States of America
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Explore payment types

Bank Transfer
Bank Transfer
Buy Now Pay Later
Buy Now Pay Later
Cards
Cards
Cash
Cash
Digital Wallets
Digital Wallets
Wire Transfer
Wire Transfer
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