PayPal

APMs

Bancontact

Payment Type

Debit Card

Bancontact is a debit card Payment Method, whereby a debit card is issued by an authorised credit institution, which allows customers to directly pay for goods and services from their bank accounts.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

€1.00 per transaction

Transaction maximum

N/A

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

N/A

EPS

Payment Type

Real-time Bank Transfer

EPS is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. EPS is facilitated by EPS participating banks.

Chargeback Risk

No

Payment Guarantee

Yes - Payment Guarantee shall mean every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your Account and the funds cannot be revoked, subject further to these terms and the User Agreement and your compliance with them.

Refund possibility

Yes

Transaction minimum

€1.00 per transaction

Transaction maximum

N/A

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

You shall report any events that require reliance on the EPS Payment Guarantee to PayPal without delay.

Finnish (Verkkopankki)

Payment Type

Real-time Bank Transfer

Finnish Online Bank Transfer is a bank transfer Payment Method.

Recipients can receive real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

N/A

Transaction minimum

EUR 0.65 per transaction

Transaction maximum

EUR 20,000.00 per Transaction

Specific Prohibited Goods and Services

In addition to those prohibited goods and services listed in the Agreement:  illegal gambling; prostitution; counterfeit goods; product piracy; illegal sale or distribution of tobacco products or pornography or the depiction of severe violent acts; Nordea Bank does not allow loading of wallets or prepaid products

Supplemental Terms

1.  You shall provide all necessary data in compliance with specifications provided by PayPal.  Failure to comply with the specifications for data delivery may result in a delay, suspension or cancellation of processing of effected sales.

2.  You shall compensate PayPal for reasonable expenses incurred upon a dispute arising with regard to a Transaction should PayPal actively be involved in mediation or other similar proceedings between a Customer and You.

3.  The maximum limit of the liability is the invoiced amount of the sale (sale of products or services by You to the Customer) to which the damages directly relate to or 1000 EUR depending on which amount is lower. However, the total aggregate liability may not exceed 5000 EUR. These limitations do not apply if the damages have been caused by willful action or gross negligence.

Giropay

Payment Type

Real-time Bank Transfer

Giropay is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

Yes - Payment Guarantee shall mean every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your Account and the funds cannot be revoked, subject further to these terms and the User Agreement and your compliance with them.

Refund possibility

Yes

Transaction minimum

€1.00 per transaction

Transaction maximum

N/A

Specific Prohibited Goods and Services

In addition to any prohibited goods or services set out within the User Agreement:

Payment instruments (cash, savings or e-money, currencies including virtual currencies such as bitcoins, as well as checks) as far as the recipient of the payment instrument can’t be identified by you, except vouchers or stored value products.

Supplemental Terms

1. Giropay is restricted to customers with access to an online banking compatible account held at an authorised credit institution based in Germany. PayPal does not guarantee that all German bank accounts are giropay compatible.
2. You must adhere to all terms and conditions of the giropay Rules and Regulations including the use of the giropay logo which is limited to the European region.
3. In using giropay as the payment method, you shall not request for any customers data, in particular personal data such as IBAN or names.
4. The giropay Payment Guarantee is limited to EUR10,000 per transaction.
5. You shall report any events that require reliance on the giropay Payment Guarantee to PayPal without delay.
6. The giropay Payment Guarantee expires 6 weeks after a receipt of the given transaction flagged as complete or successful, whichever is applicable unless you have reported the claim in writing before the expiry of the 6 week period.

iDEAL

Payment Type

Real-time Bank Transfer

iDEAL is a bank transfer payment method. Recipients can receive a real time confirmation of the transaction. iDEAL is restricted to use by customers who have been issued an online bank account that is iDEAL compatible and held at a bank based in the Netherlands.

Chargeback Risk

No

Payment Guarantee

Yes - Payment Guarantee means every transaction that is flagged as complete or successful (whichever is applicable) will be paid to your Account and the funds cannot be revoked, subject further to these terms and the User Agreement and your compliance with them.

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

1. You must make the information about the complaints procedure easily available to customers on your website.
2. You are not permitted to offer the iDEAL Payment Method via e-mail link services unless you obtain the prior written permission of PayPal. An iDEAL payment link is a URL that leads to your payment page on which a customer can initiate an iDEAL transaction.
3. You must cooperate with requests for information in specific situations that require further investigation in relation to the iDEAL payment method as may be notified to PayPal or you from time to time.
4. The iDEAL Merchant Integration Guide can be accessed here: https://betaalvereniging.atlassian.net/wiki/spaces/IPD/overview; you must adhere to the terms and conditions for the use of iDEAL, including the use of the iDEAL logo, as described at www.ideal.nl/en/payee/logos-banners/.
5. You shall report any events that require reliance on the iDEAL Payment Guarantee to PayPal without delay.
6. Where at PayPal’s sole discretion you are deemed to be high risk, PayPal reserves the right to request you to implement a Customer registration process to record at least the following data concerning the Customer:

a) Name and e-mail address;

b) Account number and name for the bank account number which is being used to make purchases via the iDEAL Payment Method;

c) Additional information for verification in step 2 and the monitoring of Transactions, for example:

i. IP address

ii. Browser fingerprint

iii. Mobile number

MyBank

Payment Type

Real-time Bank Transfer

MyBank is a bank transfer Payment Method. Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

N/A

Transaction maximum

N/A

Specific Prohibited Goods and Services

For the avoidance of doubt and in addition to any prohibited goods or services set out within the User Agreement: Activities which could be punishable as endangerment of minors, paedophilia, pornography, for infringement of works protected by intellectual property rights and means of payment, the non-compliance with the protection of personal data, with systems automated data processing, acts of money laundering, non-compliance relating to gambling and betting, horse racing, lotteries and provisions relating to conditions of exercise of regulated professions.

Supplemental Terms

You are not permitted to use My Bank Logo and additional intellectual property rights other than as permitted for these alternative payment methods services. For any further use please comply with MyBank Style Guide for Businesses found at the following website https://www.mybank.eu/mybank/mybank-style-guidelines-for-merchant-websites/. If you attempt to use the MyBank Logo in an unauthorised manner, in a manner that is not intended or allowed, or in significant contravention of these requirements, we reserve the right to revoke our services.

PayU (including Blik where powered by PayU)

Payment Type

Real-time Bank Transfer

PayU is a bank transfer Payment Method.  Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

PLN 0.01/Tx; CZK 0.01/Tx

Transaction maximum

N/A

Specific Prohibited Goods and Services

In addition to those prohibited goods and services listed in the Agreement:  Prescription medicines, pharmaceutical products and dietary supplements not permitted for sale; drugs, intoxicants, including designer drugs, as well as equipment and technology used for their farming, production, trade, etc.; gambling without legal authority; weapons, ammunition and gas launchers; online services with pornographic content, e.g. chat rooms, video cameras, VOD movies; financial products and services if offered as part of an activity not supervised by competent financial supervision authorities; malware, e.g. rogueware, viruses, etc.; political parties and related websites used to support them or collect funds for political activities; crowdfunding; intermediaries accepting payments on behalf of many recipients without legal authority or not meeting the requirements of card associations/intermediate bodies

Supplemental Terms

1. You shall ensure that the Customer is informed in clearly recognizable and easily accessible form that transactions made via the PayU Payment Method are irrevocable.

2. PayPal and PayU are not liable for any additional charges due to incorrect bank details if you have not ensured that only correct bank details are submitted.

3. Merchants using the PayU Payment Method are liable for all unauthorised or fraudulent Transactions made with the Payment Method.

4. You shall ensure that:

a) any Customer identification and/or authenticating data that could be used to place orders shall not be stored electronically or written down in another form;

b) during the input of Customer identification and/or authenticating data that could be used to place orders, third parties are prevented from obtaining such data.

Disclosure of Customer identification and/or authenticating data to third parties is strictly prohibited.

Przelewy24 (P24)

Payment Type

Real-time Bank Transfer

Przelewy24 is a bank transfer Payment Method.  Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

PLN 0.05 per transaction

Transaction maximum

N/A

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

Every transaction is associated with a unique transaction number and other details (the “Transaction Details“) in order to facilitate enquiries or potential complaints. You shall save the Transaction Details in a secure manner.  Any complaints pertaining to incorrectly executed transactions shall be submitted directly to PayPal who will thereafter forward the matter to Pzrelewy24 Payment Scheme for investigation.  In relation to such complaints, you must provide the following details:

a) E-mail address;

b) Transaction number;

c) Transaction amount;

d) Full name of the holder of the originating bank account from which the Transaction amount was to be

transferred;

e) Name of the bank that holds the account from which the transaction amount was to be transferred or to

which the transaction was transferred to as applicable;

f) Transaction date; and

g) In the case of payment from a card: the name of the card;

h) In the case of an SMS payment: the Customer’s mobile telephone number.

4. Notwithstanding the foregoing, any complaints pertaining to transactions made 90 or more days prior to such

complaint may be refused for review by the Przelewy24 Payment Scheme. 

SOFORT

Payment Type

Real-time Bank Transfer

SOFORT Banking/SOFORT Überweisung is a bank transfer Payment Method. Recipients can receive a real time confirmation of the transaction.

Chargeback Risk

No

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

€1.00 per transaction

Transaction maximum

N/A

Specific Prohibited Goods and Services

None other than those prohibited goods and services set out within the User Agreement

Supplemental Terms

N/A

Trustly

Payment Type

Real-time bank transfer

Chargeback Risk

No (once the money is settled in the Merchant account)

Payment Guarantee

No

Refund possibility

Yes

Transaction minimum

EUR 0.01 per transaction. (Subject to conditions imposed by Customer’s bank)

Transaction maximum

Subject to conditions imposed by Customer’s bank

Specific Prohibited Goods and Services

In addition to those prohibited goods and services listed in the Agreement:  Bitcoin

Supplemental Terms

(1) You shall ensure that Trustly’s logotype(s) and trademark(s) are exposed and presented in an appealing and appropriate manner, and in accordance with the applicable service presentation requirements as set out at: https://trustly.com/en/developer/documents.

(2) You acknowledge and agree that: (a) The Trustly service is dependent on the functionality of third-party systems, primarily banks, and Trustly does not guarantee the functionality of its service in the event of any failure, malfunction, or adjustment within, or associated with, such third-party systems;  (b) Transaction speeds may be adversely impacted at those times when transaction volumes spike or peak significantly, or during the planned maintenance of the Trustly service; and (c) PayPal and Trustly are not liable for any loss or damage due to any degradation of the functionality of third-party systems as described in sub-section (a) herein, or during significant peaks of transaction volumes or the planned maintenance of the Trustly service as described in sub-section (b) herein.