Payment processes – for online shops and mail-order businesses

Online customers are extremely flexible. If their preferred payment process is not available, they will simply break off the shopping process.

Independent studies have confirmed that online shop sales increase almost in proportion to the number of credit cards and payment methods used. When ordering by mail or over the phone, the right selection of payment procedures does your turnover good. Thanks to ConCardis, you can offer all relevant payment procedures, credit cards and debit cards – even to foreign customers, too, by the way.

The PayEngine from ConCardis supports a variety of national and international payment methods and acceptance partners:

Credit cards

Buyers like paying by credit card, because the goods are immediately dispatched, without the money being directly deducted from their bank account.

With MasterCard and VISA, you can cover the major part of the German and European market. If you have lots of business clients or international buyers, you should also accept other credit cards. .

MasterCard: Germany's most popular credit card

MasterCard is one of the world's leading credit cards. It is particularly widespread in Germany and Europe. MasterCard offers online shops the best possible security procedure, the "MasterCard Secure Code".

• For more information, go to the international website of MasterCard.

Visa: available worldwide

Visa is the world's most well-known credit card brand. Visa also offers an optional security procedure for online shops: "Verified by Visa".

• For more information, go to the international website of Visa .

American Express: popular as a company credit card

American Express is the most exclusive credit card brand and is especially popular with business people and travellers..

• For more information, go to the international website of American Express.

JCB - Japan Credit Bureau

JCB is Japan's largest credit card organisation, which is continuing to spread throughout the USA and Asia. If you have lots of clients from this region, you should offer the JCB credit card.

• For more information, go to the international website of JCB.

Diners Club: for business clients and frequent travellers

Just like American Express, the Diners Club credit cards is above all used by business people and travellers.

• For more information, go to the website of Diners Club.

Debit cards

Nearly every German has a debit card. Banks hand them out with every current account and are also known as bank cards or EC cards.

Maestro

Most debit cards in Germany have the Maestro logo on them. Maestro is one of MasterCard's brand. For your own protection, you can only accept Maestro cards in conjunction with the "MasterCard SecureCode" security procedure.

• For more information go to the website of Maestro.
• For more information on the MasterCard Secure Code, go to the website of MasterCard

V PAY

V PAY is the debit card issued by Visa for the European region.

• For more information, go to the website of V PAY.

Online payment procedures

PayPal: a leading service provider of online payments

As one of the leading service providers of online payment solutions (more than 10 million PayPal accounts in Germany alone), PayPal ensures fast and secure payments. With PayPal, you can offer all conventional payment methods in a single process. PayPal also protects you from payment defaults.

• For more information, go to the website of PayPal.

Internet direct debit: popular with buyers

Customers greatly appreciate the electronic direct debit process since they only need to provide their bank account number and bank sort code to make a payment.

Giropay:

giropay works by means of a direct connection to the customer's online banking account.

• Find out more on the website of giropay.

sofortüberweisung.de:

sofortüberweisung.de works by means of a direct connection to the customer's online banking account.

• Find out more on the website of sofortüberweisung.de.

Payment upon receipt of invoice - RatePay:

RatePay allows you to offer your customers payment by instalments and buying on account. This is particularly relevant if you want to sell high-priced products online.

• Find out more on the website of RatePAY.

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