Alternative Payment Methods
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Secure Online Bank Transfers Giropay Was Introduced in 2006 and Is Supported by More Than 1,500 German Banks
WL Online Payment Acceptance giropay secure online bank transfers giropay was introduced in 2006 and is supported by more than 1,500 German banks. It is a popular acceptance method for merchants, because it gives their customers a quick, easy to use and secure online method to pay for goods and services via their own bank account. With giropay merchants are guaranteed their funds and they will greatly benefit from not having to deal with chargebacks. In addition, giropay is an excellent alternative payment method that can be offered to those shoppers that do not have or desire to use their credit card online. Shoppers feel comfortable and secure because their payment is facilitated by their own bank, which eliminates the risk of fraud or default. Furthermore, a giropay transaction is free of charge for the shopper, and their transaction history and payment details can be viewed in their own banking reports. With a population size of over 82 million people, giropay represents a significant portion of Germany’s online payment traffic (35 million potential shoppers). Germany is ranked 5th in the world in terms of online sales, with alternative payments being strongly preferred to card payments. 60% of the population (48.5 million) shop online, of which 14.1 million shop cross-border. giropay offers high level of security, real-time confirmation of payment authorization and possibility of immediate shipping of goods. Features • Payment method type: Internet Bank Payment (IBP) • Solution type: Full ServicePremium • Presentment/Settlement currency: € • Supported Integration: Payment Page, Web Service API • Recurring Payments: No • Chargebacks: No • Refunds: No. -
Sparkassen-Internetkasse Giropay Connection for Traders and Integrators Sparkassen-Internetkasse Giropay Connection for Traders and Integrators
Internetkasse Title Page Sparkassen-Internetkasse giropay Connection for traders and integrators Sparkassen-Internetkasse giropay Connection for traders and integrators This document relates to Sparkassen-Internetkasse version 1.2. Revision: 1.4 Date of issue: 13/04/2016 Section “Initialisation”, p. 14 and Section “Online bank transfer initiali- sation”, p. 26: bankcode and bic are optional. Section “Refund”, p. 17: added note which bank account details are required. Removed obsolete chapter “Bank code/BIC search”. Revision: 1.3.6 Date of issue: 13/05/2015 Section “Refund”, p. 17: accountholder is mandatory. Revision: 1.3.4 Date of issue: 14/04/2014 Section “Bank code/BIC check”, p. 15: removed rc=2 and obsolete text. Section “Initialisation”, p. 14 and Section “Online bank transfer initiali- sation”, p. 26: submitting account or accountnumber respectively and bankcode is still possible after 31/01/2014. Revision: 1.3.3 Date of issue: 04/02/2014 Section “Bank code/BIC check”, p. 15: correction: bankcode is possible after 01/02/2014. Section “Test data”, p. 38: updated some of the IBANs. Revision: 1.3.2 Date of issue: 28/11/2013 Section “Bank code/BIC check”, p. 15: added note that giropay transac- tions might only be possible with account number and bank code. Revision: 1.3.1 Date of issue: 15/10/2013 Section “Function description”, p. 8: added note that only German bank accounts are accepted. Section “Test data”, p. 38: corrected some of the IBANs. Revision: 1.3 Date of issue: 24/09/2013 Added age verification, add-ons and modifications for SEPA payments in Section “Initialisation”, p. -
How People Pay Australia to Brazil
HowA BrandedPay™ StudyPeople of Multinational Attitudes Pay Around Shopping, Payments, Gifts and Rewards Contents 01 Introduction 03 United States 15 Canada 27 Mexico 39 Brazil 51 United Kingdom 63 Germany 75 Netherlands 87 Australia 99 Changes Due to COVID-19 This ebook reflects the findings of online surveys completed by 12,009 adults between February 12 and March 17, 2020. For the COVID-19 addendum section, 1,096 adults completed a separate online survey on May 21, 2020. Copyright © 2020 Blackhawk Network. There are also some trends that are impossible to ignore. Shopping and making payments through entirely digital channels is universal and growing, from How People Pay Australia to Brazil. A majority of respondents in every region say that they shop online more often than they shop in stores. This trend is most pronounced in younger generations and in Latin American countries, but it’s an essential fact Our shopping behaviors are transforming. How people shop, where they shop and across all demographic groups and in every region. how they pay are constantly in flux—and the trends and patterns in those changes reveal a lot about people. After all, behind all of the numbers and graphs are the In the rest of this BrandedPay report, you’ll find a summary and analysis of trends people. People whose varied tastes, daily lives and specific motivations come in each of our eight surveyed regions. We also included a detailed breakdown of together to form patterns and trends that shape global industries. how people in that region answered the survey, including any traits specific to that region. -
Terms and Conditions
Terms and Conditions April 3 2018 _EN 3 0 - 4 0 - 8 GMBH_TER_0008_201 EVO Terms and Conditions I. General Terms and Conditions Table of Contents I. General Terms and Conditions ........................................................................................................................................................................................................ 3 II. Definitions ......................................................................................................................................................................................................................................... 9 III. Service-Related Terms and Conditions ...................................................................................................................................................................................... 13 i. Card Acceptance ...................................................................................................................................................................................................................................................... 13 a. General ...................................................................................................................................................................................................................................................................... 13 b. Remote Business, Card-not-present (CNP) ..................................................................................................................................................................................................... -
Manual Ideal Professional
Manual iDEAL Professional Version August 2018 Rabobank Nederland Manual iDEAL Professional August 2018 | Version 1.1 1 Table of Contents Table of Contents ............................................................... 2 Introduction ........................................................................... 4 Module 1. Description of Rabobank iDEAL Professional 5 What is Rabobank iDEAL Professional? ................................................................................................................................... 5 How to create a link to Rabobank iDEAL? ............................................................................................................................. 5 Rabobank iDEAL Professional .................................................................................................................................................. 5 Other integration methods ....................................................................................................................................................... 6 Application process .............................................................................................................................................................................. 6 Activation ..................................................................................................................................................................................................... 6 Rabobank iDEAL Dashboard ......................................................................................................................................................... -
Paypipe Integration
Grillparzerstraße 18 81675 Munich Germany P +49 (89) 45 230 - 291 F +49 (89) 45 230 – 099 [email protected] PAY.ON Platform Documentation PayPipe Integration Release 1.5.5 PayPipe Documentation – XML Integrator 1 Grillparzerstraße 18 81675 Munich Germany P +49 (89) 45 230 - 291 F +49 (89) 45 230 – 099 [email protected] Release History Release Description Date Changes 0.9.0 Alpha Version 0.9.1 Beta Version 0.9.2 Minor Release 0.9.3 Minor Release 2009-01-27 Return codes, brands, changes in request and response messages 0.9.4 Minor Release 2009-02-05 Recurring Payment, Connection to PayPipe, Certification process 0.9.5 Minor Release 2009-04-04 Recurring Payment changes, XML samples changes 1.0.0 Major Release 2009-05-01 Changes to Certification Process 1.0.1 Minor Release 2009-05-23 Changes to Customer Required Field Definiitions 1.0.2 Minor Release 2009-06-22 Extensions to AVS Support 1.0.3 Minor Release 2009-07-13 Added new certification tests for swiss francs (CHF) 1.1.0 Major Release 2009-08-01 New Return Codes 1.1.1 Minor Release 2009-09-30 New TransactionCategories: MAIL_ORDER and TELEPHONE_ORDER as required by several acquirers 1.1.2 Minor Release 2009-10-20 New Brand MILESANDMORE 1.1.3 Minor Release 2009-10-29 Better description of common used terms 1.1.4 Minor Release 2009-11-08 More information on payment types 1.2.0 Major Release 2009-11-12 Added new certification tests for currencies, recurring and 3DSecure 1.2.1 Minor Release 2010-01-25 Added PayPipe HTTP Access error codes Appendix A.4 1.2.2 Minor Release 2010-04-21 Changes -
Skrill Quick Checkout Integration Guide
Skrill Quick Checkout Integration Guide For use by Skrill eCommerce merchants using Quick Checkout This guide describes how to integrate with Skrill Quick Checkout. www.skrill.com Version 7.9 Skrill Limited, 25 Canada Square, Canary Wharf, London, E14 5LQ, UK Copyright © 2017. Skrill Ltd. All rights reserved. The material contained in this guide is copyrighted and owned by Skrill Ltd together with any other intellectual property in such material. Except for personal and non-commercial use, no part of this guide may be copied, republished, performed in public, broadcast, uploaded, transmitted, distributed, modified or dealt with in any manner at all, without the prior written permission of Skrill Ltd, and, then, only in such a way that the source and intellectual property rights are acknowledged. To the maximum extent permitted by law, Skrill Ltd shall not be liable to any person or organisation, in any manner whatsoever from the use, construction or interpretation of, or the reliance upon, all or any of the information or materials contained in this guide. The information in these materials is subject to change without notice and Skrill Ltd. assumes no responsibility for any errors. Skrill Ltd. Registered office: Skrill Limited, 25 Canada Square, Canary Wharf, London, E14 5LQ, UK. Version Control Table Date Version Description September 2013 6.2 New guide template and updated content, including new Quick Checkout pages. October 2013 6.3 Changes to description of Payment Method Codes appendix. November 2013 6.4 Removal of Latvian currency. December 2013 6.5 Addition of credit card brands when passing payment methods, plus new screenshots. -
Online Bank Transfers Using the Simple Order
Title Page Online Bank Transfers Using the Simple Order API Cybersource Contact Information For general information about our company, products, and services, go to http://www.cybersource.com. For sales questions about any Cybersource service, email [email protected] or call 650-432-7350 or 888- 330-2300 (toll free in the United States). For support information about any Cybersource service, visit the Support Center: http://www.cybersource.com/support Copyright © 2020. Cybersource Corporation. All rights reserved. Cybersource Corporation ("Cybersource") furnishes this document and the software described in this document under the applicable agreement between the reader of this document ("You") and Cybersource ("Agreement"). You may use this document and/or software only in accordance with the terms of the Agreement. Except as expressly set forth in the Agreement, the information contained in this document is subject to change without notice and therefore should not be interpreted in any way as a guarantee or warranty by Cybersource. Cybersource assumes no responsibility or liability for any errors that may appear in this document. The copyrighted software that accompanies this document is licensed to You for use only in strict accordance with the Agreement. You should read the Agreement carefully before using the software. Except as permitted by the Agreement, You may not reproduce any part of this document, store this document in a retrieval system, or transmit this document, in any form or by any means, electronic, mechanical, recording, or otherwise, without the prior written consent of Cybersource. Restricted Rights Legends For Government or defense agencies: Use, duplication, or disclosure by the Government or defense agencies is subject to restrictions as set forth the Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 and in similar clauses in the FAR and NASA FAR Supplement. -
Harmonising and Implementing a Carbon Accounting Approach for the Financial Sector
Harmonising and implementing a carbon accounting approach for the financial sector Platform Carbon Accounting Financials (PCAF) report 2018 Harmonising and implementing a carbon accounting approach for the financial sector The Platform Carbon Accounting Financials, or PCAF, was created by a group of Dutch financial institutions which have joined forces to improve carbon accounting in the financial sector and to create a harmonised carbon accounting approach. At COP21 in Paris, these members co-authored the Dutch Carbon Pledge, urging global leaders to take effective measures to keep global warming within safe levels. The group shares its findings with other interested parties to encourage others to adopt carbon accounting as a positive step towards a low carbon economy. Today, PCAF consists of the following members: ABN AMRO Achmea Investment ACTIAM ROBECO Management ASN Bank1 FMO MN Rabobank Van Lanschot Kempen a.s.r. Triodos Bank de Volksbank Stichting Pensioenfonds Stichting Pensioenfonds van Metaal en Techniek (PMT) de Metalektro (PME) Please cite as: PCAF, Harmonising and implementing a carbon accounting approach for the financial sector, November 2018 This report was commissioned by PCAF and compiled, edited and reviewed by Navigant Main authors at Navigant: Giel Linthorst and Mark Schenkel November 2018, The Netherlands 1 ASN Bank is part of de Volksbank N.V. 2 Harmonising and implementing a carbon accounting approach for the financial sector Table of content Executive summary7 1. Introduction 8 11 Foreword ........................................................................................................................................................................................................................................8 -
De Volksbank N.V. Annual Report 2019
Annual Report 2019 Better for each other REPORT OF THE BOARD RISK GOVERNANCE FINANCIAL STATEMENTS OTHER INFORMATION ADDITIONAL 2 de Volksbank N.V. Annual Report 2019 BETTER FOR EACH OTHER 4 5 REPORT OF THE SUPERVISORY 134 BOARD Key figures 8 5.1 Looking back and ahead with the Chairman of 135 Interview with the Chairman of the Board of Directors 10 the Supervisory Board 5.2 Composition of the Supervisory Board 136 1 THE WORLD AROUND US 12 5.3 Meetings of the Supervisory Board 138 5.4 Quality assurance of the supervisory function 140 1.1 Political developments 13 and self-assessment 1.2 Economic developments 14 5.5 Relationship and consultations with the 140 shareholder 1.3 Social demography 15 5.6 Employees and employee participation 141 1.4 Technology 15 5.7 Financial statements and dividend proposal 141 1.5 Laws and regulations 16 1.6 Opportunities and risks 17 6 CORPORATE GOVERNANCE 142 2 OUR STRATEGY 18 6.1 Composition, appointment and functioning of 143 the Board of Directors 2.1 A human touch 19 6.2 Composition, appointment and functioning of 145 2.2 Mission, ambition and objectives 19 the Supervisory board 2.3 Three strategic pillars 21 6.3 Banking Code 148 2.4 How we create value 21 6.4 Dutch Corporate Governance Code 148 2.5 Options for the future 27 6.5 Legal structure of de Volksbank 149 6.6 Remuneration Report 150 3 BANKING WITH A HUMAN TOUCH 28 FINANCIAL STATEMENTS 154 3.1 Benefits for customers 29 3.2 Responsibility for society 36 Consolidated financial statements 156 3.3 Genuine attention for our employees 52 Notes to the -
Payment, Clearing and Settlement Systems in Germany
Payment, clearing and settlement systems in Germany CPSS – Red Book – 2012 159 Germany Contents List of abbreviations ........................................................................................................... 163 Introduction – main recent developments ........................................................................... 165 Large-value payment systems .................................................................................. 165 Retail payment systems ............................................................................................ 165 Securities trading, clearing and settlement................................................................ 165 1. Institutional aspects .................................................................................................. 166 1.1 The general institutional framework ................................................................. 166 1.1.1 Legal requirements ................................................................................. 166 1.1.2 Rules governing payment services ......................................................... 167 1.2 The role of the Deutsche Bundesbank ............................................................. 167 1.2.1 Cooperative nature of payment systems policy ....................................... 168 1.2.2 Oversight function regarding payment and securities settlement systems .................................................................................................. 169 1.2.3 Payment systems of the Bundesbank -
Optimal Payments Hosted Payments API Reference Guide
Optimal Payments Hosted Payments API Reference Guide December 2014 1.3.4 This manual and accompanying electronic media are proprietary products of Optimal Payments plc. They are to be used only by licensed users of the product. © 1999–2015 Optimal Payments plc. All rights reserved. The information within this document is subject to change without notice. The software described in this document is provid- ed under a license agreement, and may be used or copied only in accordance with this agreement. No part of this manual may be reproduced or transferred in any form or by any means without the express written consent of Optimal Payments plc. All other names, trademarks, and registered trademarks are the property of their respective owners. Optimal Payments plc makes no warranty, either express or implied, with respect to this product, its merchantability or fitness for a particular purpose, other than as expressly provided in the license agreement of this product. For further information, please contact Optimal Payments plc. International Head Office 3500 de Maisonneuve W., Suite 700 Montreal, Quebec H3Z 3C1 Canada Tel.: (514) 380-2700 Fax: (514) 380-2760 Email: [email protected] Technical support: [email protected] Web: www.optimalpayments.com U.K. Office Compass House, Vision Park Chivers Way, Histon Cambridge CB24 9AD United Kingdom Email: [email protected] Technical Support: [email protected] Web: www.optimalpayments.com U.S. Office 1209 Orange Street Wilmington, DE 19801 Gatineau Office 75 Promenade