Payment methods

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

Unzer allows you to accept payments both online and in a 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: SEPA Direct Debit and 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 Invoice (including Invoice Secured and 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 (Invoice) or in installments (Installment). In case of Invoice and 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 available 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 Invoice, Installment, Direct Debit, 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).

Payment	Payment Type	Available in	Supported currencies	Features	Integrations	API endpoint	API prefix
Alipay	Redirect	All countries	EUR, USD, GBP, CAD, AUD, HKD, SGD	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/alipay	ali
Apple Pay	Wallet	All countries	All	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/ApplePay	apl
Bancontact	Redirect	Belgium	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/bancontact	bct
Card	Card	All countries	All	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/card	crd
EPS	Redirect	Austria	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/eps	eps
Google Pay	Wallet	All countries	All	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/card	gop
iDEAL	Bank redirects	Netherlands	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/ideal	idl
Klarna	Buy Now, Pay Later	Denmark, Finland, Norway, Sweden	EUR, SEK, DKK, NOK	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/klarna	kla
PayPal	Wallets	All countries	All major currencies	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/paypal	ppl
PayU	Redirect	Czech Republic, Poland	CZK, PLN	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/payu	pyu
Przelewy24	Redirect	Poland	EUR, PLN	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/przelewy24	p24
PostFinance card	Redirect	Switzerland	CHF	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/post-finance-card	pfc
PostFinance eFinance	Redirect	Switzerland	CHF	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/post-finance-efinance	pfe
TWINT	Redirect	Switzerland	CHF	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/twint	twt
Unzer Bank Transfer	Redirect	Germany	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/open-banking-pis	opb
SEPA Direct Debit	Bank debit	Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, Spain	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/sepa-direct-debit	sdd
Direct Debit	Buy Now, Pay Later	Austria, Germany	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/paylater-direct-debit	pdd
Installment	Buy Now, Pay Later	Austria, Germany, Switzerland	EUR, CHF	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/paylater-installment	pit
Invoice	Buy Now, Pay Later	Austria, Germany, Switzerland, Netherlands	EUR, CHF	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/paylater-invoice	piv
Prepayment	Bank debit	Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, Spain	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/prepayment	ppy
WeChat Pay	Wallet	All countries	EUR, GBP, USD, CAD, AUD, HKD, SGD	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/WeChatPay	wcp

Deprecated payment methods

The following payment methods are now deprecated:

Payment	Payment Type	Available in	Supported currencies	Features	Integrations	API endpoint	API prefix
Direct Debit	Buy Now, Pay Later	Austria, Germany	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/sepa-direct-debit-secured	dds
Invoice	Wallet	Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, Spain	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/invoice	ivc
Invoice Secured	Redirect	Austria, Germany	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/invoice-secured	ivs
Installment	Redirect	Austria, Germany	EUR	Authorize Charge Reversal Refund Chargeback Recurring Payout Pay later Unzer Secured	Payment Pages UI Components Direct API PHP SDK Java SDK 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 the Unzer API. Learn more about online payments integration.

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