For convenient online payments

Online Card Payments-3

Online card payments, made easy

Accept online debit and credit card payments without intermediaries.

As an acquirer and processor for all card networks, we offer merchants a direct solution for online card payments. Secured with our own 3D Secure and compatible with Apple Pay and Google Wallet.

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Three Ways to Integrate Card Payments

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Hosted checkout

Accept card payments online instantly via a hosted payment page. No integration required; go live quickly.

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Buttons & Components

Add card payments to your own checkout with flexible components and custom payment buttons.

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Native API

Build a fully customized payment flow with maximum control and flexibility using our API.

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Full integration

One solution for all card payments

Combine international payment networks, including Visa and Mastercard, with local payment options such as PostePay and Carte Bancaire in a single checkout.

This way, your customers can always pay with their preferred card—online, on mobile, and internationally. With a single integration, you can easily accept card payments across multiple countries, currencies, and sales channels.

  • In-house 3D Secure
  • Apple Pay & Google Wallet
  • Acquirer & Processor
Click to Pay

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Click to Pay

Click to Pay makes online checkout faster and easier than ever. Customers are automatically recognized based on their email address and can pay without having to fill out forms or enter passwords. This results in checkouts that are up to 50% faster, higher authorization rates, and significantly less fraud.

A comprehensive range of online card payment options

Accept online debit and credit card payments with 3D Secure: fully compatible with Apple Pay or Google Pay.

  • Payment Method
  • Available in
  • Explanation
  • View
  • 8
  • Mastercard
Mastercard
  • 228
  • VISA
VISA
  • 10
  • PostePay
PostePay
  • 11
  • Bank Card
Bank Card
  • 8
  • Mastercard Debit
Mastercard Debit
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  • Visa Debit
Visa Debit
  • 36
  • American Express
American Express
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  • Bancontact
Bancontact
  • 58-1
  • Dankort
Dankort
  • 76
  • Nexi
Nexi
Visa card

Debit Cards

Let customers pay with debit cards online as well

A debit card is essentially your regular bank card, but one that’s designed for online payments. Think of Visa Debit or Mastercard Debit. You use it to pay just like a credit card, but there’s one key difference: the money is debited directly from your checking account.

Not every customer has a credit card, but virtually everyone has a debit card. So with debit cards, they can still easily pay online without having to load money onto a credit card first.

Online Payments

Everything for a better payment experience

Get more out of your card payments with smart features. Speed up recurring purchases with tokenization, boost your conversion rate with one-click wallets, and effortlessly meet the latest security requirements.

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Token Service

Store card information securely for faster payments and a smooth checkout experience for returning customers.

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3D Secure

Add an extra layer of security to card payments and comply with PSD2/SCA guidelines.

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Apple Pay & Google Pay

Speed up your checkout process with one-click payments via mobile wallets to boost conversion rates. Customers can pay securely and conveniently using their smartphone, tablet, or browser, without having to manually enter their card information.

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Recurring

Automate recurring payments for subscriptions, memberships, and recurring charges. Securely store payment information and automatically process payments at set intervals to ensure a seamless payment experience and higher retention rates.

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ABU

With Account Billing Updater (ABU), stored card information is automatically updated through the card networks. If a payment card expires, is replaced, or has a new card number, the new information is updated immediately. This helps you avoid unnecessary failed transactions.

Click to Pay

With Click to Pay, you offer customers a fast and secure way to pay online without having to re-enter their card information every time. Customers simply select their saved card and confirm the payment.

Learn more about Click to Pay
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Bank Statement

Acquirer and processor for all major card networks

As an acquirer, we handle card transactions directly between your online store and your customer’s bank, without any intermediaries. That means faster processing, lower costs, and greater control.

As a result, your company name will appear on your customer’s bank statement. This is a key difference from other payment providers.

 

Personal Support

Frequently Asked Questions

Need some no-obligation payment advice?

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What are online card payments?

Online card payments are transactions in which customers pay with a debit or credit card in your online store or app. Through the Pay.nl platform ( ), these payments are securely processed between the customer, the card issuer, and your organization.

With a single integration, you can manage all card payments centrally from one dashboard.

How do I get started with online card payments?

Getting started with card payments through Pay. is easy:

  1. Sign up
  2. Integrate via plugin or API
  3. Enable card payments

What is the difference between debit and credit cards?

  • Debit cards: The amount is debited directly from the customer's bank account.
  • Credit cards: The payment is settled later through the card issuer.

For your organization, this means:

  • Debit: lower transaction costs and immediate processing
  • Credit: higher conversion rates and international coverage

An optimal mix contributes to both reach and return on investment.

Which card networks can I accept?

With Pay., you can accept payments from the world’s leading card networks, including:

  • Visa
  • Mastercard
  • American Express

This allows you to expand your international reach and offer customers the payment methods they expect.

What is 3D Secure, and why is it important?

3D Secure is an additional verification step for online card payments. The customer confirms the payment using, for example, a banking app or biometric authentication.

Well-known programs include:

  • Verified by Visa
  • Mastercard Identity Check

Benefits:

  • Reduced risk of fraud
  • Higher transaction acceptance rate
  • Liability shift: reduced liability in the event of fraud

What is tokenization?

Tokenization replaces card data with a unique, encrypted token. This ensures that sensitive data is not stored in your own systems.

This results in:

  • Enhanced security
  • Reduced compliance burden (PCI DSS)
  • The foundation for recurring and saved payments

What is Account Billing Updater (ABU)?

Account Billing Updater (ABU) ensures that card information is automatically updated when a card expires or is replaced.

This results in:

  • Fewer failed transactions
  • Lower subscription churn
  • Consistent cash flow

Do I need multiple contracts for card acceptance?

No. With Pay., you get:

  • One contract
  • One integration
  • One easy-to-use platform

This gives you full control over your payment flows, without any complexity.

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