Payment systems

Available payment systems

In the following table all available payment systems are listed with their names and payment type abbreviations used by mPAY24. Note that some payment systems require to redirect the customer to a third party site, e.g. a bank site.

Description

PType

Brand

Redirect

Authorization/Reversal

Credit

AmericanExpress

CC

AMEX

Possible

14 days*

1 year

Diners Club

CC

DINERS

No

14 days*

1 year

JCB

CC

JCB

No

28 days*

1 year

MasterCard

CC

MASTERCARD

Possible

14 days*

1 year

VISA

CC

VISA

Possible

14 days*

1 year

Maestro

MAESTRO

n/a

No

1 day

n/a

Online-Banking

EPS

EPS, INTERNATIONAL

Yes

n/a

n/a

Online banking

GIROPAY

n/a

Yes

n/a

n/a

Direct debit

ELV

B4P

No

n/a

1 year

Direct debit (AT)

ELV

HOBEX-AT

No

n/a

1 day**

Direct debit (DE)

ELV

HOBEX-DE

No

n/a

1 day**

Direct debit (NL)

ELV

HOBEX-NL

No

n/a

1 day**

Direct debit (AT, DE)

ELV

BILLPAY

Yes

30 days

n/a

PayPal

PAYPAL

n/a

Yes

n/a

60 days

paysafecard

PSC

PSC

Yes

n/a

n/a

paysafecash

PSC

PAYSAFECASH

Yes

n/a

n/a

Invoice

BILLPAY

INVOICE

Yes

30 days

1 year

Invoice

KLARNA

INVOICE

No

30 days

n/a

Invoice

PAYOLUTION

INVOICE

No

n/a

n/a

Hire purchase

BILLPAY

HP

Yes

30 days

1 year

Hire purchase

KLARNA

HP

No

30 days

n/a

Online banking

SOFORT

n/a

Yes

n/a

n/a

MasterPass

MASTERPASS

n/a

Yes

n/a

n/a

* If not defined otherwise.
** Only amounts equal the authorized amount can be credited until 11pm the same day.

In case of successful payment initiation, almost all payment types produce a returnCode = REDIRECT.

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Do not attempt to display the location URL or the mPAY24 PayPage in an IFRAME or pop-up to avoid displaying errors of third party sites.

mPAY24 recommends to implement the location URL or the mPAY24 PayPage as redirect (full screen).

Supported acquirer features

In the following list of credit card acquirer shows the support of specific features by mPAY24.

AcquirerMultiple ClearingMultiple CreditingWithdraws
American ExpressYesYesNo
Atos WorldlineNoNoNo
BillpayYesNoNo
Card CompleteYes*Yes*No
Diners ClubYesYesNo
eps Online BankingNoNoNo
giropayNoNoNo
Hobex (credit cards)NoNoNo
Hobex (direct debit)NoNoNo
B4PNoNoYes
KalixaNoNoYes
KlarnaNoNoNo
paybox Payment ServiceNoNoNo
PayPalNoYesNo
paysafecardNoNoNo
@QuickNoNoNo
Secure TradingYesYesYes
SIX Payment ServicesYesYesNo
Sofort Online BankingNoNoNo
Zagrebačka bankaNoNoNo

*needs to be activated by mPAY24

Supported currencies

All currency codes as proposed by ISO 4217 are supported by mPAY24.

Using any other currency for the transaction then defined in the agreement between the merchant and the acquirer can either result in unexpected transaction fees for both the customer and the merchant or result in an error.

Payment system timeouts

The following timeout values are known from the various payment systems.

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These information are subject to change without notice and does not necessarily reflect the actual setting in place.

PTypeBrandDescriptionTotal timeout information
CCMASTERCARDMastercard SecureCode siteVaries and depends on the bank
CCVISAVerified by VISA siteVaries and depends on the bank
BILLPAYINVOICEInput mask for Billpay15 min. idle timeout and 30 min. total timeout
BILLPAYHPInput mask for Billpay15 min. idle timeout and 30 min. total timeout
ELVBILLPAYInput mask for Billpay15 min idle timeout and 30 min. total timeout
EPSn/aOnline banking siteVaries and depends on the bank
GIROPAYn/aOnline banking siteTotal site timeout of 5 min.
MAESTROn/aMaestro SecureCode siteVaries and depends on the acquirer
MASTERPASSn/aMasterPass Digital WalletTotal site timeout of 15 min.
MPASSn/ampass siten/a
PAYPALn/aPayPal siteIdle timeout of 5 min.
PBn/apaybox siteTotal site timeout of 3 min.
PSCn/apaysafecard siteTotal site timeout of 30 min.
QUICKn/a@Quick siten/a
SOFORTn/aSofort AG siteTotal site timeout of 15 min.