In addition to paying by Cards, Cash and PayPal, you can now offer your customers even more ways to pay with alternative payments.
Alternative payments give your customers a different way to pay instead of using traditional debit or credit card and are growing in popularity.
Add alternative payments to your site to:
- Trade worldwide
- Engage shoppers globally
- Offer a smooth payment process
- Reduce basket abandonment
- Increase site conversion
- Generate more sales.
Many alternative payments exist around the world but each work slightly differently. Customers want the freedom to pay how they choose, but integrating each payment method into your site can be time consuming and expensive.
A single implementation to Pay360 is all you need to access a wide variety and growing list of alternative payments.
Available via the Cashier API or Hosted Cashier, you can integrate alternative payments alongside Pay360 card transactions or without. There is no card processing pre-requisite.
Payouts are also possible via alternative payment solutions. More information on payouts can be found on our payout page.
With Pay360, it’s easy to select which alternative payments you want to offer. Decide which ones you want to use at set up, and should you want to add or remove an alternative payment at a later date then call our relationship team and we can turn them on or off for you.
Pay360 takes the many different payment methods, each with their own requirements, and slims the process of collecting and confirming payments into a single simple journey.
An example of this includes identifying and approving a purchase, contacting the customer’s bank, accepting the account details, handling the transaction confirmation, and responding with confirmation of payment to both the customer and you the merchant.
There are two processing models for Alternative Payment Methods; the single transaction model, and the dual transaction model.
- If the transaction is expected to complete within a few hours, then the single transaction model will be used.
- If the transaction would take longer, then the dual transaction model will be used.
Single Transaction Model
The single transaction model consists of a transaction request with status as PENDING and when the payment completes it will be updated to SUCCESS. Affin Bank, Ambank, Bancontact, Bangkok Bank, BitPay, CIMB Clicks, Dragonpay, EPS, Estonian Bank Transfer, Finnish Bank Transfer, FPX, Giropay, Hong Leong Bank, iDeal, Klarna, Krungsri Bank, Krung Thai Bank, Latvian Bank Transfer, Lithuanian Bank Transfer, Maybank2u, MyBank, Pay by Bank app, Paysafecard, Paysera, Poli, Przelewy24, Qiwi, RHB Bank, 7-Eleven, Sofort, UnionPay, WeChat Pay and Zimpler use this model.
Dual Transaction Model
The dual transaction model consists of an initial transaction request of type PAYMENT_INITIALIZE with status as SUCCESS and when the payment is eventually completed a second transaction request of type PAYMENT_COMPLETE will be journalled as a related transaction. Alipay, Banco do Brasil, Banrisul, Boleto, Bradesco, Itau, Maxima, Multibanco, Narvesen, PayPost, Perlas Terminals, Safetypay, Surtimax, Trustpay and Trustly use dual transaction model.
Getting Started
If you’re already integrated into Pay360, then adding alternative payments alongside your existing cards or PayPal journey is simple. If you’re new to Pay360, please read the ‘Getting Started’ section first.
To add new alternative payments please call us on 0333 313 7160.
The available alternative payment methods are shown below. We are continually releasing new options however if there is an alternative payment method that you are interested in but isn’t shown here please let us know and we may be able to add on request. Contact us.
Summary
| Affin Bank is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.01 MYR Maximum: 3.000 MYR/tx to 30.000* MYR *depends on the customer’s individual Internet Banking limit with the bank Testing: MITE Stub Transaction Model: Single |
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| Alipay is an e-wallet payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: no limit Maximum: depends on the consumer’s individual bank account limit Testing: MITE Stub Transaction Model: Dual |
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| Ambank is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.01 MYR Maximum: 3.000 MYR/tx to 30.000* MYR *depends on the customer’s individual Internet Banking limit with the bank Testing: MITE Stub Transaction Model: Single |
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| Bancontact is a debit card payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.00 EUR Maximum: QR code mobile payments: 500 EUR | Standard: no limit Testing: MITE Stub Transaction Model: Single |
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| Banrisul is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: Upon request Maximum: Upon request Testing: MITE Stub Transaction Model: Dual |
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Banco do Brasil is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: Upon request Maximum: Upon request Testing: MITE Stub Transaction Model: Dual |
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| BitPay is a crypto currency payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: N/A Maximum: N/A Testing: MITE Stub Transaction Model: Single |
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| Bangkok Bank is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 20 THB Maximum: 1.000.000 THB (some might depend on owner bank account) Testing: MITE Stub Transaction Model: Single |
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| Boleto Bancario is a bank transfer method / cash payment.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: Upon request Maximum:Upon request Testing: MITE Stub Transaction Model: Dual |
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| Bradesco is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: Upon request Maximum: Upon request Testing: MITE Stub Transaction Model: Single |
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| CIMB Clicks is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.01 MYR Maximum: 3.000 MYR/tx to 30.000* MYR *depends on the customer’s individual Internet Banking limit with the bank Testing: MITE Stub Transaction Model: Single |
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| Dragonpay is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 50.01 PHP Maximum: no limit Testing: MITE Stub Transaction Model: Single |
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| Eps is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.00 EUR Maximum: no limit Testing: MITE Stub Transaction Model: Single |
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| Bank Transfer is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: EST, LVA & LTU: 0.01 EUR | FIN: 0.65 EUR Maximum: EST, LVA & LTU: no limit | FIN: 20.000 EUR Testing: MITE Stub Transaction Model: Single |
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| FPX is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.01 MYR Maximum: 3.000 MYR/tx to 30.000* MYR *depends on the customer’s individual Internet Banking limit with the bank Testing: MITE Stub Transaction Model: Single |
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| Giropay is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.00 EUR Maximum: No limit* *if up to 10.000 EUR/tx =>guaranteed, if higher => not guaranteed Testing: MITE Stub Transaction Model: Single |
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| Hong Leong Bank is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.01 MYR Maximum: 3.000 MYR/tx to 30.000* MYR *depends on the customer’s individual Internet Banking limit with the bank Testing: MITE Stub Transaction Model: Single |
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| iDeal is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.01 EUR Maximum: no limit Testing: MITE Stub Transaction Model: Single |
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| Interac e-Transfer is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 10 CAD Maximum: 3500 CAD (Selected bank may have higher limit) Testing: Interac Sandbox Transaction Model: N/A |
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| ®Trade-mark of Interac Corp. Used Under License. | ||
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Itau is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: Upon request Maximum: Upon request Testing: MITE Stub Transaction Model: Dual |
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| The Klarna payment method supports real-time bank transfer, invoicing, and payment by instalments.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: Upon request (vary by product and country) Maximum: Upon request (vary by product and country) Testing: MITE Stub Transaction Model: Single |
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| Krung Thai Bank is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 20 THB Maximum: 1.000.000 THB (some might depend on owner bank account) Testing: MITE Stub Transaction Model: Single |
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| Krungsri Bank is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 20 THB Maximum: 1.000.000 THB (some might depend on owner bank account) Testing: MITE Stub Transaction Model: Single |
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| Maxima is a cash payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.28 EUR Maximum: no limit Testing: MITE Stub Transaction Model: Dual |
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| Maybank2u is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.01 MYR Maximum: 3.000 MYR/tx to 30.000* MYR *depends on the customer’s individual Internet Banking limit with the bank Testing: MITE Stub Transaction Model: Single |
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| Multibanco is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: no limit Maximum: 99.999,99 EUR/Tx Testing: MITE Stub Transaction Model: Dual |
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| MyBank is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: no limit Maximum: no limit Testing: MITE Stub Transaction Model: Single |
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| Narvesen is a cash payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.28 EUR Maximum: no limit Testing: MITE Stub Transaction Model: Dual |
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| Pay by Bank app is a real-time mobile bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: no limit Maximum: no limit (might depend on owner bank account) Testing: MITE Stub Transaction Model: Single |
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| PayPost is a cash payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.01 EUR Maximum: no limit Testing: MITE Stub Transaction Model: Dual |
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| Paysafecard is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.01 EUR Maximum: DEU = 100 EUR | Elsewhere = 1.000 EUR (or equivalent) Testing: MITE Stub Transaction Model: Single |
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| Paysera is an e-wallet payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.01 EUR Maximum: no limit Testing: MITE Stub Transaction Model: Single |
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| Perlas Terminals is a cash payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.00 EUR Maximum: no limit Testing: MITE Stub Transaction Model: Dual |
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| Poli is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.00 AUD | 1.00 NZD Maximum: 10.000 AUD | 10.000 NZD Testing: MITE Stub Transaction Model: Single |
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| Przelewy24 is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.00 PLN | 1.00 EUR Maximum: 55.000 PLN ( equivalent in EUR at the time of tx ) Testing: MITE Stub Transaction Model: Single |
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Qiwi is a mobile phone payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: tba Maximum: 15.000 RUB | 350 EUR | 74.300 KZT | 500 USD Testing: MITE Stub Transaction Model: Single |
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| RHB Bank is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.01 MYR Maximum: 3.000 MYR/tx to 30.000* MYR *depends on the customer’s individual Internet Banking limit with the bank Testing: MITE Stub Transaction Model: Single |
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| Safetypay is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: CRI = no limit | MEX = 1.00 MXN PER = 10 PEN Maximum: CRI = 3.000 CRC | MEX = 9.999 MXN PER = 15.000 PEN Testing: MITE Stub Transaction Model: Dual |
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| 7-Eleven is a cash payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.01 MYR Maximum: 2.000 MYR Testing: MITE Stub Transaction Model: Single |
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| Sofort banking is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.00 EUR Maximum: Low&medium risk = 5.000 EUR | High risk = 2.500 EUR -> VIP project can be enabled on request. Limits for VIP project: • 5.000,00 EUR / 24h • 10.000,00 EUR / 24h • 15.000,00 EUR / 36h • 25.000,00 EUR / 24h *In case the End Customer’s bank has set a lower payment limit for the end customer’s bank account than the above determined limit(s) for SOFORT Banking, a SOFORTBanking transaction exceeding this bank account limit is not possible. Testing: MITE Stub Transaction Model: Single |
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| Surtimax is a cash payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.01 USD Maximum: 3.000 USD Testing: MITE Stub Transaction Model: Dual |
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| Trustly is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.01 EUR Maximum: SWE & FIN: 2.000 EUR | Rest of countries: 1.000 EUR Standard exposure limit = 200 EUR For optimized bank, depending on the exposure (risk) limit; Testing: MITE Stub Transaction Model: Dual |
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| TrustPay is a real-time bank transfer method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.01 EUR Maximum: EUR: 10.000 | CZK: equivalent of 3.000 EUR Testing: MITE Stub Transaction Model: Dual |
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| UnionPay is a debit card payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 1.00 RMB Maximum: Payment Platform’s Limits: -> Single transaction limit | daily card limit (both debit & credit card) = 20.000 RMB -> Monthly card limit (debit card) = 50.000 RMB -> Monthly card limit (credit card) = 100.000 RMB Testing: MITE Stub Transaction Model: Single |
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| WeChat Pay is an e-wallet payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 0.01 RMB Maximum: 50.000 RMB per day. Limits per shopper: -> 10.000 USD per tx -> 20.000 USD per day -> 50.000 USD per year Testing: MITE Stub Transaction Model: Single |
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| Zimpler is a wallet payment method.
For user journey and market availability, click here. For logo, click here. |
Transaction Limits: Minimum: 3.00 SEK/ 0.30 EUR Maximum: 500 EUR | 5.000 SEK – for gambling (high risk) 15.000 EUR | 150.000 SEK – for low & medium risk Testing: MITE Stub Transaction Model: Single |
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API examples
Summary
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Qiwi is a mobile phone payment method. Countries: KAZ, RUS, UKR Currencies: EUR Timeout: 1 hour Website: https://qiwi.com/ |
Transaction Limits: Minimum: 1.00 EUR Maximum: 350 EUR Testing: MITE Stub Transaction Model: N/A |
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| Bank Transfer is a real-time bank transfer method. Countries: AUT, BEL, BGR, CHE, CYP, CZE, DEU, DNK, ESP, EST, FIN, FRA, GBR, GRC, HRV, HUN, IRL, ISL, ITA, LIE, LTU, LUX, LVA, MCO, MLT, NLD, NOR, POL, PRT, ROU, SMR, SVK, SVN, SWE Currencies: EUR Timeout: Unlimited Note: For countries BRA and CAN please refer to our International Bank Payouts page. Website: N/A |
Transaction Limits: Minimum: no limit Maximum: no limit Testing: MITE Stub Transaction Model: N/A |
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| Interac e-Transfer is a mobile phone payout method. Countries: CAN Currencies: CAD Timeout: 30 Days Website: https://www.interac.ca/en/ |
Transaction Limits: Minimum: 10 CAD Maximum: 9999.99 CAD Testing: Interac Sandbox Transaction Model: N/A |
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| ®Trade-mark of Interac Corp. Used Under License. | ||
API examples
parameters:
Skin Versions
Alternative payments are only available using a version 2 skin. If you are using a custom hosted skin, and you wish to use APMS, check your skin is built as described at Customise look and feel. Find advice for upgrading a skin at Upgrading from skinning version 1 to version 2.
Please be aware that:
- If you try to initialise a hosted session with a Version 1 skin, and you try to include alternative payments, your request will be rejected.
- If you request alternative payments on EmailPay, the specified APMs will be ignored if the skin is version 1.
- If you choose to display APMs which you are not currently configured for, these will not show, only enabled APMs will display.
- By default, any APMs that support the transaction currency will be shown. We do however offer a configuration option whereby only APMs available in the customer’s country are shown – to see any APMs with this configuration enabled, you must either:
- include a customer with a supported country code in the hosted initialization request
- reference a saved customer with an address including a supported country code
Displaying Payment Methods
The default behaviour is to display Cards, PayPal then all enabled APMs in alphabetical order. Alternatively, you can choose the order of payment methods.
{
"session" : {
"returnUrl" : {
"url" : "http://example.com/transactionResult?ref=merchantRef"
}
},
"transaction": {
"merchantReference": "merchantRef",
"money": {
"currency": "EUR",
"amount": { }
},
"description": "TransactionDescriptionFor-merchantRef"
},
"features" : {
"paymentMethods": ["alipay", "bancontact", "bitpay", "card", "eps", "estonianbanks", "finnishbanks", "giropay", "ideal", "latvianbanks", "lithuanianbanks", "maxima", "maybank2u", "multibanco", "mybank", "narvesen", "paypal", "paypost", "paysera", "perlasterminals", "poli", "przelewy24", "safetypay", "sofort", "trustpay", "unionpay", "wechatpay", "zimpler"]
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://www.example.com"
}
},
"transaction" : {
"money" : {
"currency" : "GBP",
"amount" : {}
}
},
"features" : {
"paymentMethods": ["paybybankapp"]
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://example.com/transactionResult?ref=merchantRef"
}
},
"transaction": {
"merchantReference": "merchantRef",
"money": {
"currency": "USD",
"amount": { }
},
"description": "TransactionDescriptionFor-merchantRef"
},
"features" : {
"paymentMethods": ["banrisul", "boleto", "bradesco", "itau"]
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://example.com/transactionResult?ref=merchantRef"
}
},
"transaction": {
"merchantReference": "merchantRef",
"money": {
"currency": "MYR",
"amount": { }
},
"description": "TransactionDescriptionFor-merchantRef"
},
"features" : {
"paymentMethods": ["affinbank", "ambank", "cimbclicks", "fpx", "hongleongbank", "rhbbank", "seveneleven"]
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://example.com/transactionResult?ref=merchantRef"
}
},
"transaction": {
"merchantReference": "merchantRef",
"money": {
"currency": "THB",
"amount": { }
},
"description": "TransactionDescriptionFor-merchantRef"
},
"features" : {
"paymentMethods": ["bangkokbank","krungthaibank","krungsribank"]
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://example.com/transactionResult?ref=merchantRef"
}
},
"transaction": {
"merchantReference": "merchantRef",
"money": {
"currency": "PHP",
"amount": { }
},
"description": "TransactionDescriptionFor-merchantRef"
},
"features" : {
"paymentMethods": ["dragonpay"]
}
}
APM Specific Data
{
"session" : {
"returnUrl" : {
"url" : "http://www.example.com"
}
},
"transaction" : {
"money" : {
"currency" : "USD",
"amount" : {}
}
},
"paymentMethodData": {
"bancoDoBrasil": {
"consumerRef": "someConsumerRef"
}
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://www.example.com"
}
},
"transaction" : {
"money" : {
"currency" : "USD",
"amount" : {}
}
},
"paymentMethodData": {
"boleto": {
"consumerRef": "someConsumerRef"
}
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://www.example.com"
}
},
"transaction" : {
"money" : {
"currency" : "EUR",
"amount" : {}
}
},
"order": {
"taxAmount": 5,
"items": [
{
"name" : "item1",
"itemAmount": 9.99
},
{
"name": "item2",
"itemAmount": 7.15
}
]
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://www.example.com"
}
},
"transaction" : {
"money" : {
"currency" : "GBP",
"amount" : {}
}
},
"paymentMethodData": {
"paysafecard": {
"consumerRef": "someConsumerRef"
}
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://www.example.com"
}
},
"transaction" : {
"money" : {
"currency" : "EUR",
"amount" : {}
}
},
"paymentMethodData": {
"trustly": {
"consumerRef": "someConsumerRef"
}
}
}
{
"session" : {
"returnUrl" : {
"url" : "http://www.example.com"
}
},
"transaction" : {
"commerceType": "ECOM",
"money" : {
"currency" : "CAD",
"amount" : {}
}
},
"paymentMethodData": {
"interac": {
"consumerRef": "someConsumerRef"
}
}
}
parameters: