alt

Important information

There was an update of Unzer TLS/SSL certificates. Learn more

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 (as well as Unzer Invoice Secured and Unzer Prepayment) the actual payment (customer transferring the money) happens outside your online checkout but the buying - contract closing is done without 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) or pay to the merchants using your marketplace (through Payout 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 method Available for customers in Currencies Redirect Refund Reversal Chargeback Recurring Payout Pay later Unzer Secured
Alipay All countries EUR, GBP, USD, CAD, AUD, HKD, SGD tick tick cross cross cross cross cross cross
Apple Pay All countries All cross tick tick tick cross cross cross cross
Bancontact Belgium EUR tick tick cross cross cross cross cross cross
Card All countries All - tick tick tick tick cross cross
EPS Austria EUR tick tick cross tick cross cross cross cross
Giropay Germany EUR tick tick cross cross cross cross cross cross
iDEAL Netherlands EUR tick tick cross cross cross cross cross cross
Klarna Denmark, Finland, Norway, Sweden EUR, SEK, DKK, NOK tick tick tick tick cross cross tick cross
Paypal International (All countries) All major currencies tick tick tick tick tick * cross cross cross
Postfinance card Switzerland CHF tick tick cross tick cross cross cross cross
Postfinance efinance Switzerland CHF tick tick cross cross cross cross cross cross
Przelewy24 Poland PLN tick tick cross tick cross cross tick cross
Sofort Austria, Belgium, Germany, Italy, Netherlands, Spain EUR tick tick cross tick cross cross cross cross
Unzer Bank Transfer Austria, Germany EUR tick tick cross cross cross cross cross cross
Unzer Direct Debit (SEPA Direct Debit) Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, Spain EUR cross tick tick tick tick tick cross cross
Unzer Direct Debit Secured Austria, Germany EUR cross tick tick tick tick tick cross tick
Unzer Installment Austria, Germany EUR tick tick tick cross cross tick tick tick
Unzer Invoice Austria, Germany, Switzerland, Netherlands EUR, CHF cross tick tick cross cross cross tick tick
Unzer Prepayment Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, Spain EUR cross tick tick cross cross tick cross cross

*with approval from PayPal

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 method Payment type Prefix Authorize Charge Cancel authorize Cancel charge Shipment
Alipay /types/Alipay ali cross tick cross tick cross
Apple Pay /types/ApplePay apl tick tick tick tick cross
Bancontact /types/bancontact bct cross tick cross tick cross
Card /types/card crd tick tick tick tick cross
EPS /types/eps eps cross tick cross tick cross
Klarna /types/klarna kla tick tick tick tick cross
Giropay /types/giropay gro cross tick cross tick cross
iDEAL /types/ideal idl cross tick cross tick cross
PayPal /types/paypal ppl tick tick cross tick cross
Przelewy24 /types/przelewy24 p24 cross tick cross tick cross
Postfinance card /types/post-finance-card pfc cross tick cross tick cross
Postfinance efinance /types/post-finance-efinance pfe cross tick cross tick cross
Sofort /types/sofort sft cross tick cross tick cross
Unzer Direct Debit (SEPA Direct Debit) /types/sepa-direct-debit sdd cross tick cross tick cross
Unzer Direct Debit Secured /types/sepa-direct-debit-secured dds cross tick cross tick tick
Unzer Installment /types/installment-secured ins cross automatically cross tick tick
Unzer Bank Transfer /types/PIS pis cross tick cross tick cross
Unzer Invoice /types/paylater-invoice piv tick tick tick tick cross
Unzer Prepayment /types/prepayment ppy cross automatically cross tick cross
WeChat Pay /types/WeChatPay wcp cross tick cross tick cross

Deprecated payment methods

The following payment methods are now deprecated:

Payment method Available for customers in Currencies Redirect Refund Reversal Chargeback Recurring Payout Pay later Unzer Secured
Unzer Invoice Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Lichtenstein, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovenia, Slovakia, Spain EUR cross tick tick cross cross tick tick cross
Unzer Invoice Secured Austria, Germany EUR cross tick tick cross cross tick tick tick

Supported transactions matrix for the deprecated payment methods

Payment method Payment type Prefix Authorize Charge Cancel authorize Cancel charge Shipment
Unzer Invoice /types/invoice ivc cross automatically cross tick cross
Unzer Invoice Secured /types/invoice-secured ivs cross automatically cross tick tick

Integration options

For online payments there are various ways to integrate them in your checkout: plugins for popular eCommerce shopping solutions, ready-made Payment pages and UI components provided by Unzer as well as 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