PAYONE is offering a diverse selection of payment methods to chose from to suit your and your customer needs. 

Payment product

Payment Type

Alipay Alipay e-Wallet
Amazonpay Amazon Pay e-Wallet
Apple Pay Apple Pay e-Wallet
Bancontact Bancontact e-Wallet
Barzahlen Barzahlen Cash / Pay in Store
Credit Cards (Mastercard, American Express, Visa, Diners Club, JBC, Discover, China Unionpay) Cards
EPS EPS Real-time banking
giropay giropay e-Wallet
iDEAL iDEAL Real-time banking
Klarna Klarna Payments Financing
multibanco Multibanco Real-time banking
PDD PAYONE Direct Debit Direct Debit
PAYONE Open Invoice Bank Transfer
PAYONE Prepayment Bank Transfer
PAYONE Secured Direct Debit Direct Debit
PAYONE Secured Installment Financing
PAYONE Secured Invoice Bank Transfer
PAYONE Secure Invoice Bank Transfer
paypal PayPal e-Wallet
pstfinance Postfinance Card Real-time banking
postfinance Postfinance E-Finance Real-time banking
P24 Przelewy24 Real-time banking
Visa Sofort Überweisung Bank Transfer in advance
ratepay Ratepay Financing
Trustly Trustly Bank Transfer
Unzer Unzer Financing
WeChat Pay WeChat Pay e-Wallet

Best Practices for PSD2

This article aims to support integrators in deciding which alterations have to be made in order to comply with PSD2.

Basic facts about PSD2
For a somewhat comprehensive overview, please refer to this article at bundesbank.de: https://www.bundesbank.de/en/tasks/payment-systems/psd2/psd2-775954

One part of PSD2 is SCA (strong customer authentication), which is what most of this page will be about.

Affected Payment Methods:


Credit Cards
To comply with the SCA requirement, credit cards will implement 3-D Secure 2.0.

Amazon Pay
The required changes are outlined here at Amazon: https://developer.amazon.com/de/docs/eu/amazon-pay-onetime/sca-upgrade.html

SEPA Direct Debit
Direct Debits will not be affected by SCA according to this Q&A by the EBA.

Changes to Our API

Some payment methods require changes to the way they are implemented

Credit Card Integrations

Keeping Transactions Frictionless
3DS 2.0 requires far more information about an order to be eligible for an exemption of the 3DS customer authentication challenge. If you want to make sure credit card payments stay as frictionless as possible after PSD2 comes into effect, please refer to our collection of additional parameters: Required vs. optional parameters for 3DS2

The more data that is provided, the greater the possibility of exemption on the part of the acquirer or issuer to circumvent the input of the 3-D Secure credentials.

If you don't currently use 3-D Secure 1.0, please make sure that your system is at least able to process 3DS 1.0 transactions and activate 3DS in your merchant backend. Transactions that don't use any form of 3DS will likely be declined starting mid-September 2019!

---end

Fore more Information, please refer to this chapter of 3DS - we strongly advise you read through this page as it holds vital information for the 3DS-challenge process.