Payment methods



Prepayment with secupay

Advance payment is the lowest-risk payment method for the merchant. The merchant does not ship the goods ordered by the customer until it has received the money. On the other hand, this payment method is unpopular with customers for two reasons: First, it requires a lot of trust in the online store, as the customer entrusts the store with their money without having received the goods.

With secupay, you speed up the prepayment process because the customer can use the SEPA QR code (giro code) for error-free transfers from the banking app and the incoming payments are already automatically assigned on a notification basis. This means that the goods can usually be shipped on the banking day following the order.
Since the transfer is made to a secupay escrow account, the customer is better protected against fraudsters.

secupay payment process: Prepayment
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Advantages of secupay prepayment

  • SEPA QR code (giro code) for easy error-free instruction of the payment from the banking app
  • Fast automatic posting of incoming payments
  • Uniform reporting in secuOffice

Transaction procedure for prepayment

Order or payment process

After selecting the payment method prepayment and transmitting the transaction and customer data, we transmit the payment data with a virtual IBAN and an EPC QR code for direct payment of the transfer from the customer's banking app. Both are displayed on the online store's success page.

Receipt of payment and shipment

As soon as we receive notice of payment receipt from our bank, we automatically assign the payment receipt and inform the online store or the platform per push API or webhook and the shipment can go out.

Mixed baskets and split payments

We support mixed baskets, so you can submit a transaction to us with goods from different vendors. In addition, marketplace fees and/or affiliate shares can also be booked. We then split the outgoing payments according to the transmitted values.

Pay securely

Payment methods for online shops

For e-commerce merchants, secupay offers store modules and plug-ins for the six most important payment methods. Your conversion rate is the focus of our work. We offer additional payment methods via API integration.

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