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Unzer

Payment methods

Learn about various features of payment methods and the transactions they support.

Unzer allows you to accept payments both online and in physical shop. Below you will find details on the supported online payment methods, their features and ways to integrate them in your online shop.

Payment flow

This is a way to classify payment methods from the user experience perspective.

There are two possible scenarios: in the first one, the transaction is completed without the customer leaving your (merchant) website. Payment details are collected from the customer and submitted to Unzer by you. Examples of such payment methods are: Unzer Direct Debit and Unzer Invoice. In the second scenario, after collecting payment details from the customer, you redirect them to an external website on which they need to verify/complete the payment. These payment methods are called redirect payment methods. Examples of such payment methods are: Card, PayPal, Sofort.

In case of Unzer Invoice (including Unzer Invoice Secured and Unzer Prepayment), the actual payment (customer transferring the money) happens out of your online checkout but the buying—contract closing is done without the customer leaving your website.

Payment features

On top of the essentials like Refund, Reversal, and Subscription, selected payment methods provided by Unzer enable you to better support B2B transactions (through Pay later feature), insure your payments (through Secured feature).

Unzer Secured

Unzer Secured payment methods guarantee that you (merchant) receive the money for the sold goods or services, no matter if the customer pays or not. We assume the entire customer default risk.

Pay later

Payment methods with Pay later feature allow your customers to pay on account (Unzer Invoice) or in installments (Unzer Installment). In case of Unzer Invoice and Unzer Installment you are also guaranteed to receive the money no matter if the customer pays or not.

Subscription (recurring)

Payment methods supporting subscriptions allow you to store customer payment details and automatically debit their account in regular intervals. Irregular automatic debits are also supported - this could be used for automatic top-ups of paid services, for example.

One-click payment (recurring)

This feature allows you to store customer payment details during the first purchase and provide them during subsequent check-outs, making the experience faster and more convenient for returning customers.

Payout

Payout feature allows you to credit the customer account directly, without any reference to previous transactions. Some use cases include payouts for lottery wins, insurance payments, and online gaming.

Refund

When the customer returns full or parts of the order, you need to return the appropriate amount to their account. This is called refund. This is the most basic payment feature supported by all payment methods.

Reversal

When the customer cancels an order that has not yet been charged (captured), for example when the goods were ordered but not yet shipped or service ordered and not yet delivered, you should cancel the initial authorization - this is called reversal.

Chargeback

Payment methods supporting chargeback enable the customer to request their issuing bank for the return of funds whenever there’s a dispute over a refund between you and the customer or if there is a fraudulent use of the customers card or account and the issuing bank is charging the amount back.

Supported payment methods matrix

Payment methodAvailable for customers inCurrenciesRedirectRefundReversalChargebackRecurringPayoutPay laterUnzer Secured
AlipayAll countriesEUR, GBP, USD, CAD, AUD, HKD, SGDSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
Apple PayAll countriesAllNo supportSupportsSupportsSupportsNo supportNo supportNo supportNo support
BancontactBelgiumEURSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
CardAll countriesAll-SupportsSupportsSupportsSupportsNo supportNo supportNo support
EPSAustriaEURSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
Google PayAll countriesAllSupportsSupportsSupportsSupportsSupportsNo supportNo supportNo support
iDEALNetherlandsEURSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
KlarnaDenmark, Finland, Norway, SwedenEUR, SEK, DKK, NOKSupportsSupportsSupportsSupportsNo supportNo supportSupportsNo support
PaypalInternational (All countries)All major currenciesSupportsSupportsSupportsSupportsSupports *No supportNo supportNo support
PayUCzech Republic, PolandCZK, PLNSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
PostFinance cardSwitzerlandCHFSupportsSupportsNo supportSupportsNo supportNo supportNo supportNo support
PostFinance eFinanceSwitzerlandCHFSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
Przelewy24PolandEUR, PLNSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
SofortAustria, Belgium, Germany, Italy, Netherlands, Poland, Spain, SwitzerlandEUR, CHFSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
TWINTSwitzerlandCHFSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
Unzer Direct Bank TransferGermanyEURSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support
Unzer Direct Debit (Direct Debit)Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, SpainEURNo supportSupportsSupportsSupportsSupportsSupportsNo supportNo support
Direct Debit SecuredAustria, GermanyEURNo supportSupportsSupportsSupportsNo supportNo supportSupportsSupports
Unzer InstallmentAustria, Germany, SwitzerlandEUR, CHFNo supportSupportsSupportsNo supportNo supportNo supportSupportsSupports
Unzer InvoiceAustria, Germany, Switzerland, NetherlandsEUR, CHFNo supportSupportsSupportsNo supportNo supportNo supportSupportsSupports
Unzer PrepaymentAustria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, SpainEURNo supportSupportsSupportsNo supportNo supportSupportsNo supportNo support
WeChat PayAll countriesEUR, GBP, USD, CAD, AUD, HKD, SGDSupportsSupportsNo supportNo supportNo supportNo supportNo supportNo support

*with approval from PayPal

Supported booking modes for various payment methods

Based on the payment flow, the following booking modes are avaiable for the payment methods:

  • Some payment methods support both authorize or charge, this means that you can define if you want to charge after authorization or directly charge the payment, for example, cards or PayPal.
  • Some payment methods support only charge booking mode, this means that the payment is charged when the customer completes the payment, for example, Alipay.
  • Some payment methods support only authorize booking mode, this means that you will have to perform an authorize transaction before you can charge the payment, for example Unzer Invoice, Unzer Installment, Direct Debit Secured, or Klarna.

Supported Unzer API transactions

Below you can see an overview from the Unzer API perspective - how the payment methods are referred to (payment type and the prefix), and what transaction types they support. For more information on each transaction type, go to the relevant server-side integration documentation page: Manage API resources (direct API calls), Manage API resources (PHP SDK), Manage API resources (Java SDK).

Payment methodPayment typePrefixAuthorizeChargeCancel authorizeCancel chargeShipment
Alipay/types/AlipayaliNo supportSupportsNo supportSupportsNo support
Apple Pay/types/ApplePayaplSupportsSupportsSupportsSupportsNo support
Bancontact/types/bancontactbctNo supportSupportsNo supportSupportsNo support
Card/types/cardcrdSupportsSupportsSupportsSupportsNo support
EPS/types/epsepsNo supportSupportsNo supportSupportsNo support
Google Pay/types/cardgopSupportsSupportsSupportsSupportsNo support
iDEAL/types/idealidlNo supportSupportsNo supportSupportsNo support
Klarna/types/klarnaklaSupportsSupportsSupportsSupportsNo support
PayPal/types/paypalpplSupportsSupportsSupportsSupportsNo support
PayU/types/payupyuNo supportSupportsNo supportSupportsNo support
Przelewy24/types/przelewy24p24No supportSupportsNo supportSupportsNo support
PostFinance card/types/post-finance-cardpfcNo supportSupportsNo supportSupportsNo support
PostFinance eFinance/types/post-finance-efinancepfeNo supportSupportsNo supportSupportsNo support
Sofort
Deprecated
/types/sofortsftNo supportSupportsNo supportSupportsNo support
TWINT/types/twinttwtNo supportSupportsNo supportSupportsNo support
Unzer Bank Transfer/types/open-banking-pisopbNo supportSupportsSupportsNo supportNo support
Unzer Direct Debit (Direct Debit)/types/sepa-direct-debitsddNo supportSupportsNo supportSupportsNo support
Direct Debit Secured/types/paylater-direct-debitpddSupportsSupportsSupportsSupportsNo support
Unzer Installment/types/paylater-installmentpitSupportsSupportsSupportsSupportsNo support
Unzer Invoice/types/paylater-invoicepivSupportsSupportsSupportsSupportsNo support
Unzer Prepayment/types/prepaymentppyNo supportautomaticallyNo supportSupportsNo support
WeChat Pay/types/WeChatPaywcpNo supportSupportsNo supportSupportsNo support

Deprecated payment methods

The following payment methods are now deprecated:

Payment methodAvailable for customers inCurrenciesRedirectRefundReversalChargebackRecurringPayoutPay laterUnzer Secured
Unzer Direct Debit SecuredAustria, GermanyEURNo supportSupportsSupportsNo supportNo supportSupportsSupportsSupports
Unzer InvoiceAustria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, SpainEURNo supportSupportsSupportsNo supportNo supportSupportsSupportsNo support
Unzer Invoice SecuredAustria, GermanyEURNo supportSupportsSupportsNo supportNo supportSupportsSupportsSupports
Unzer InstallmentAustria, GermanyEURSupportsSupportsSupportsNo supportNo supportSupportsSupportsSupports

Supported transactions matrix for the deprecated payment methods

Payment methodPayment typePrefixAuthorizeChargeCancel authorizeCancel chargeShipment
[Deprecated] GiropayGermanyEURSupportsSupportsNo supportNo supportNo support
Unzer Direct Debit Secured/types/sepa-direct-debit-securedddsNo supportSupportsNo supportSupportsSupports
Unzer Invoice/types/invoiceivcNo supportautomaticallyNo supportSupportsNo support
Unzer Invoice Secured/types/invoice-securedivsNo supportautomaticallyNo supportSupportsSupports
Unzer Installment/types/installment-securedinsNo supportautomaticallyNo supportSupportsSupports

Integration options

You can integrate online payments in your checkout using: plugins for popular eCommerce shopping solutions, ready-made Payment pages and UI components provided by Unzer, and the Pay by link feature. You can also build your own payment formand connect it to Unzer API. Learn more about online payments integration.

See also

Payment use cases