Payment Methods Explained for Merchants
Each payment method carries its own settlement timing, reversal rights and provider requirements. These pages explain what changes for you when you add one.
Payment methods
SEPA Direct Debit
SEPA Direct Debit lets you collect euro payments directly from a customer's bank account under a mandate they have signed. It suits recurring billing well and costs less than cards, but consumers can get their money back for weeks afterwards, so it is a poor fit wherever you need certainty that a payment will stay.
iDEAL
iDEAL is the way the Netherlands pays online: around 72% of Dutch e-commerce transactions, more than 1.5 billion a year, with almost every Dutch consumer able to use it. It works as an authenticated bank transfer: the customer approves the payment in their own banking app, and the payment is effectively final once approved. If you sell to Dutch customers without it, you lose sales.
Card payments
Card acceptance is the default payment method for most online businesses, and it is also the method with the most moving parts: an authorisation, a later capture, a settlement cycle, and a dispute right the cardholder keeps for months after paying.
Pix
Pix is Brazil's instant payment system, run by the Central Bank of Brazil since November 2020. It moved 79.8 billion transactions in 2025 and has overtaken credit cards as the largest way Brazilians pay online by value. For a merchant, a Pix payment arrives in seconds, at any hour, and is final once paid. If you sell to Brazilian customers, Pix is the method you cannot leave out.
Check which payment routes may fit your business
Answer a short set of questions about your business and we will check your profile against the requirements providers have given us. No approval is decided here.
Check my payment optionsNothing is shared with a provider until you submit your onboarding pack. Approval is always the provider's decision.