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Important information

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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 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.

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.

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.

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 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.

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.

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.

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 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 payment methods

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).


PaymentPayment TypeAvailable inSupported currenciesFeaturesIntegrationsAPI endpointAPI prefix
RedirectAll countriesEUR, USD, GBP, CAD, AUD, HKD, SGD
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/alipay
ali
WalletAll countriesAll
Supports Authorize
Supports Charge
Supports Reversal
Supports Refund
Supports Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/ApplePay
apl
RedirectBelgiumEUR
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/bancontact
bct
CardAll countriesAll
Supports Authorize
Supports Charge
Supports Reversal
Supports Refund
Supports Chargeback
Supports Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/card
crd
RedirectAustriaEUR
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/eps
eps
WalletAll countriesAll
Supports Authorize
Supports Charge
Supports Reversal
Supports Refund
Supports Chargeback
Supports Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/card
gop
Bank redirectsNetherlandsEUR
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/ideal
idl
Buy Now, Pay LaterDenmark, Finland, Norway, SwedenEUR, SEK, DKK, NOK
Supports Authorize
No support Charge
Supports Reversal
Supports Refund
Supports Chargeback
No support Recurring
No support Payout
Supports Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/klarna
kla
WalletsAll countriesAll major currencies
Supports Authorize
Supports Charge
Supports Reversal
Supports Refund
Supports Chargeback
Supports Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/paypal
ppl
RedirectCzech Republic, PolandCZK, PLN
No support Authorize
Supports Charge
Supports Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/payu
pyu
RedirectPolandEUR, PLN
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/przelewy24
p24
RedirectSwitzerlandCHF
No support Authorize
Supports Charge
No support Reversal
Supports Refund
Supports Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/post-finance-card
pfc
RedirectSwitzerlandCHF
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/post-finance-efinance
pfe
RedirectSwitzerlandCHF
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/twint
twt
RedirectGermanyEUR
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/open-banking-pis
opb
Bank debitAustria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, SpainEUR
No support Authorize
Supports Charge
Supports Reversal
Supports Refund
Supports Chargeback
Supports Recurring
Supports Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/sepa-direct-debit
sdd
Buy Now, Pay LaterAustria, GermanyEUR
Supports Authorize
No support Charge
Supports Reversal
Supports Refund
Supports Chargeback
No support Recurring
No support Payout
Supports Pay later
Supports Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/paylater-direct-debit
pdd
Buy Now, Pay LaterAustria, Germany, SwitzerlandEUR, CHF
Supports Authorize
No support Charge
Supports Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
Supports Pay later
Supports Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/paylater-installment
pit
Buy Now, Pay LaterAustria, Germany, Switzerland, NetherlandsEUR, CHF
Supports Authorize
No support Charge
Supports Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
Supports Pay later
Supports Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/paylater-invoice
piv
Bank debitAustria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, SpainEUR
No support Authorize
Supports Charge
Supports Reversal
Supports Refund
No support Chargeback
No support Recurring
Supports Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/prepayment
ppy
WalletAll countriesEUR, GBP, USD, CAD, AUD, HKD, SGD
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
No support Payout
No support Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/WeChatPay
wcp

Deprecated payment methods

The following payment methods are now deprecated:


PaymentPayment TypeAvailable inSupported currenciesFeaturesIntegrationsAPI endpointAPI prefix
Buy Now, Pay LaterAustria, GermanyEUR
No support Authorize
Supports Charge
Supports Reversal
Supports Refund
No support Chargeback
No support Recurring
Supports Payout
Supports Pay later
Supports Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/sepa-direct-debit-secured
dds
WalletAustria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, SpainEUR
No support Authorize
Supports Charge
Supports Reversal
Supports Refund
Supports Chargeback
No support Recurring
Supports Payout
Supports Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/invoice
ivc
RedirectAustria, GermanyEUR
No support Authorize
Supports Charge
Supports Reversal
Supports Refund
No support Chargeback
No support Recurring
Supports Payout
Supports Pay later
No support Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/invoice-secured
ivs
RedirectAustria, GermanyEUR
No support Authorize
Supports Charge
No support Reversal
Supports Refund
No support Chargeback
No support Recurring
Supports Payout
Supports Pay later
Supports Unzer Secured
Supports Payment Pages
Supports UI Components
Supports Direct API
Supports PHP SDK
Supports Java SDK
Supports Plugins
/types/installment-secured
ins

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