Overview (REGION-SPECIFIC)

Aani is the UAE's national instant payment platform, operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE (CBUAE). It enables real-time account-to-account payments 24/7.

Bancontact QR Code payment allows consumers to make payments by scanning a QR code displayed at the point of sale, on a website, or in a mobile app. It supports quick and convenient online and offline purchases.

The payment SOAP API supports only the passthrough scenario where 3-D Secure authentication is handled by an external 3DS provider.

Bancontact Wallet Initiated Payment allows consumers to pay directly from a digital wallet application. Users select Bancontact within the wallet app without using a physical card or entering card details manually.

WIP can be initiated as a merchant-initiated or cardholder-initiated payment.

Blik is a Polish payment method that lets users make instant payments with their banking application. It is covered by all major Polish banks.

Mastercard Click to Pay is a digital payment solution that lets consumers make secure online purchases without entering payment and shipping information for each transaction.

Users can store payment details securely and use them across participating online merchants. Mastercard Click to Pay can also be used for other card brands such as Visa or American Express.

EV charging payments can be executed through ecommerce payment flows. In all scenarios, the sender should include the EVSE-ID in the payment request so Fiserv can map it to a terminal ID for the authorization system.

Option 1: Preauthorization followed by preauthorization completion. This confirms funds before the charging session and completes the payment when charging is finished.

Option 2: Zero-amount account or card validation followed by a token-based sale. This stores card details as a token so they can be reused for the later sale transaction.

giropay was a German payment method based on online banking, allowing customers to use direct transfers from their bank account.

girocard is Germanys domestic debit card scheme and the most widely used card payment system in Germany. It is operated by the German Banking Industry Committee (DK) and is linked directly to the cardholder's current account. Payments are debited immediately or shortly after the transaction.

iDEAL | Wero is a payment method used in the Netherlands that allows consumers to make online payments directly from their bank accounts.

Users select their bank during checkout and initiate the payment from the bank's secure environment. The payment is confirmed in real time.

For UK-based financial institutions with Merchant Category Code 6012, Visa and Mastercard require additional primary-recipient loan information to be included in the authorization message.

PayPal is an online payment system that lets individuals and businesses make secure transactions over the internet using a PayPal account linked to an email address and a preferred payment method.

The newer PayPal framework follows current compliance and security standards and offers a smoother checkout process with the lightbox.

A PayPal Billing Agreement can be created through Hosted Payment Page (Connect).

Based on the Billing Agreement, the merchant can trigger recurring or subsequent payments through the RESTful payment API. The RESTful payment API can also be used to cancel a Billing Agreement.

SEPA Direct Debit allows individuals and businesses in the SEPA region to make electronic payments directly from one bank account to another.

SEPA Direct Debit can be used either through the direct approach, only in Germany, or through Fiserv's local payment offering.

Visa Mobile is a virtual wallet that allows consumers to approve payments in a mobile application without codes or additional verification. Cardholders register their Visa card together with their mobile phone number.

Mastercard MoneySend Funding supports electronic transfer of funds to individuals or businesses. It is often used for person-to-person payments, but it can also support business scenarios.

The feature depends on account connectivity to specific authorization systems. Mastercard also requires payment initiator details to be supplied with each transaction.

Mastercard MoneySend Payment pushes funds directly to an eligible debit, credit, or prepaid card in real time or near real time.

Unlike standard transactions that credit accounts, this flow is used for fast disbursements or refunds.

Visa Account Funding Transaction supports moving money into an account, commonly by funding a debit, prepaid, or credit card, or a related wallet or account.

Visa Original Credit Transfer pushes funds directly to an eligible debit, credit, or prepaid card in real time or near real time.

Unlike standard account-crediting transactions, this flow is used for fast disbursements or refunds.

Reserve Bank of India compliance requirements limit storing card-on-file data. Guest checkout transaction tokens from schemes can be used as Alternate IDs.

To request the scheme Alternate ID and cryptogram, the merchant sends an action request to the Gateway. The call to retrieve the scheme Alternate ID and cryptogram is then made automatically by the system.

This feature applies to Mastercard, Visa, and Amex.

RuPay is an Indian domestic card scheme owned and operated by the National Payments Corporation of India. It allows individuals to make low-cost electronic payments at merchants and retailers across India.

Debit Disbursement, including Visa OCT and Mastercard MoneySend, allows businesses to disburse funds in real time directly to a debit card.

It can support payouts such as marketplace disbursements, government disbursements, forex and binary option trade payouts, affiliate and contractor payouts, expense reimbursements, corporate rebates, and insurance claims.

The functionality can be used with Direct Post, hosted payment page integrations, and REST API originated transactions.