Payment methods
Catalogue of local and global payment methods for merchants: how each works, where buyers use it and what to check before your PSP account enables it.
Local payment methods by country
Local payment methods are the payment options people in one country use most, often bank transfers, mobile codes or national schemes rather than international cards. If a market's favourite method is missing at checkout, many buyers leave, so pick methods country by country.
| Country | Local payment methods | Type | Country guide |
|---|---|---|---|
| Poland | BLIK, Przelewy24, cards | Mobile code, pay-by-link transfer | Payment methods in Poland |
| Netherlands | iDEAL / Wero | Bank payment | Payment methods in the Netherlands |
| Belgium | Bancontact, Wero | National card and mobile scheme | Payment methods in Belgium |
| Spain | Bizum, cards | Mobile bank payment | Payment methods in Spain |
| Germany | SEPA Direct Debit, invoice | Direct debit, pay later | Payment methods in Germany |
| Brazil | Pix, boleto | Instant payment, voucher | Payment methods in Brazil |
How to choose local payment methods for a new market
Start with the one or two methods buyers in that country use most, then add cards and one wallet. Check refunds, recurring billing and payout timing for each method before launch. Definitions of each type are in the alternative payment methods guide, and checkout tips are in the checkout conversion guide.
BANCOMAT Pay: Italy's bank-backed mobile payment for merchants
What BANCOMAT Pay is, how online payments by phone number work, who can pay, refunds, and how it links to Bizum, Wero and other European schemes.
Bancontact: how Belgium's main payment method works for merchants
What Bancontact is, how card and app payments work online, how refunds work and how a merchant outside Belgium can offer Bancontact at checkout.
Bizum: how Spain's mobile bank payment works for online merchants
What Bizum is, how online Bizum payments work, limits and refunds, whether it works outside Spain and how a merchant in Germany or Poland can offer Bizum.
BLIK payments: how Poland's 6-digit code method works for merchants
BLIK handled 1.4 billion online payments in Poland in 2025. How the 6-digit code works, typical fees, refunds, recurring BLIK and how to accept it abroad.
Boleto bancário: how boleto payments work for merchants selling to Brazil
How boleto bancário works: registration, due dates, 1–3 business day clearing, typical fees of R$1–R$4, boleto parcelado and how foreign merchants accept it.
Payment methods in Argentina: Mercado Pago, cards in cuotas, QR and cash
Payment methods in Argentina for merchants: QR payments grew 67.5% a year in August 2026, plus cards in cuotas, Mercado Pago, cash and FX rules.
Payment methods in Austria and Switzerland: eps, TWINT, cards and invoice
Payment methods in Austria and Switzerland for online merchants: eps bank transfer, TWINT, cards, PayPal, invoice and the Swiss QR-bill.
Payment methods in Belgium: Bancontact, Wero, cards and bank transfer
Payment methods in Belgium for online merchants: Bancontact, Bancontact Pay, Wero, cards and SEPA, plus what changed when Payconiq was retired.
Payment methods in Brazil: Pix, cartão parcelado and boleto for merchants
How Brazilians pay: Pix with about 179 million users, credit cards in parcelas, boleto, plus CPF, IOF at 3.5% and how foreign merchants accept them.
Payment methods in Chile: Webpay, cards, bank transfers and MACH for merchants
How Chilean shoppers pay online: debit cards via Webpay, cuotas on credit cards, Khipu and Fintoc transfers, MACH, plus 19% IVA, RUT and cross-border options.
Payment methods in Colombia: PSE, Nequi, Bre-B, cards and cash for merchants
Payment methods in Colombia for merchants: PSE handled 236 million payments in Q1 2026, plus Bre-B, Nequi, Daviplata, cards in cuotas and Efecty cash.
Payment methods in the Czech Republic and Slovakia: cards, bank transfers and QR
Payment methods in the Czech Republic and Slovakia: cards, wallets, instant bank transfers, QR Platba, cash on delivery, and BLIK in Slovakia.
Payment methods in France: Cartes Bancaires, wallets, Wero and pay later
Payment methods in France for online merchants: Cartes Bancaires co-badged cards, PayPal and wallets, pay in 3 or 4, SEPA and Wero, with what to check.
Payment methods in Germany: PayPal, invoice, direct debit, cards and Wero
Payment methods in Germany for online merchants: PayPal, invoice (Rechnung), SEPA direct debit, cards and Wero, plus what replaced giropay and Sofort.
Payment methods in Italy: cards, PayPal, Satispay, Bancomat Pay and Postepay
Payment methods in Italy for online merchants: cards, prepaid Postepay, PayPal, Satispay, Bancomat Pay and pay in 3, and what each needs at checkout.
Payment methods in Mexico: cards, OXXO, SPEI and wallets for merchants
Payment methods in Mexico explained: credit cards hold 34% of e-commerce, plus OXXO cash, SPEI transfers, wallets, meses sin intereses and CFDI rules.
Payment methods in the Netherlands: iDEAL, Wero, cards and pay later
Payment methods in the Netherlands for online merchants: iDEAL and its move to Wero, cards, pay later and SEPA direct debit, with migration dates.
Payment methods in Peru: Yape, Plin, cards and PagoEfectivo for merchants
Which payment methods Peruvian shoppers use, from Yape and Plin to cards in cuotas and PagoEfectivo, plus IGV, RUC and how foreign merchants accept them.
Payment methods in Poland: BLIK, pay-by-link transfers, cards and pay later
Payment methods in Poland for online merchants: BLIK, pay-by-link bank transfers via Przelewy24, cards and pay later, with 2025 BLIK volumes.
Payment methods in Spain: cards, Bizum, PayPal and pay later
Payment methods in Spain for online merchants: cards, Bizum with 30.6 million users, PayPal, pay later and bank transfer, and what to offer at checkout.
Crypto payments for merchants: stablecoins, Bitcoin and MiCA in 2026
How crypto and stablecoin payments work for EU merchants: 0.4–2% gateway fees, payouts in EUR, no chargebacks, and MiCA rules in force since 1 July 2026.
eps-Überweisung: Austria's online bank transfer for merchants
What eps-Überweisung is, how the Austrian online bank transfer works, its real-time confirmation and execution guarantee, and its outlook next to Wero.
iDEAL | Wero: how the Dutch payment method works for merchants outside the Netherlands
What iDEAL is, how a payment works, typical costs with sources, refunds, iDEAL in3 and what the move to Wero means for merchants selling into the Netherlands.
MB WAY: Portugal's mobile payment for online merchants
What MB WAY is, how online MB WAY payments work by phone number, its 7 million users, refunds, and how it compares with Multibanco references.
MobilePay: Denmark and Finland's payment app, becoming Vipps in 2027
What MobilePay is, how online MobilePay payments work, 4.8 million Danish and 3 million Finnish users, and the rename to Vipps on 12 January 2027.
Multibanco reference payments: how they work for online merchants
What a Multibanco reference is, how shoppers pay it at an ATM or in online banking, expiry, confirmation by webhook, and when to offer it next to MB WAY.
Pay by Bank: how account-to-account payments work for merchants
What Pay by Bank is, how open banking payments work under PSD2, costs versus cards, refunds without chargebacks, and what SEPA Instant changes for merchants.
Pix: how Brazil's instant payment system works for merchants
Accept Pix payments: QR and copia e cola flows, settlement in seconds 24/7, Pix Automático, night limits, MED refunds and Pix for foreign merchants.
Przelewy24 (P24): what it is and how merchants accept it
Przelewy24 serves over 60,000 merchant accounts in Poland. What P24 is, which methods it bundles, typical fees, refunds and how foreign merchants connect.
Satispay: Italy's payment app network for online merchants
What Satispay is, how online Satispay payments work, its 6.5 million users and 450,000 merchants, and how merchants outside Italy can offer it.
SEPA Direct Debit: Core vs B2B, mandates, return codes and refunds
How SEPA Direct Debit works: Core vs B2B, what a mandate must contain, the 8-week refund right and what return codes like AC04, AC06 or AM04 mean.
Trustly: open banking pay by bank for online merchants
What Trustly is, how its open banking pay by bank works, 12,000 banks in 30+ markets, payouts and recurring, and what to check before offering it.
TWINT: how Switzerland's payment app works for online merchants
What TWINT is, how online TWINT payments work by QR code and app switch, 2025 user figures, refunds, and how merchants outside Switzerland can offer it.
Wero: what the EPI wallet means for merchants (updated October 2026)
What Wero is, where online payments are live, how it replaces iDEAL, Payconiq and Paylib, and what merchants need to change. Updated monthly.
Local payment methods FAQ
What are local payment methods?
Payment options built for one country or region, such as BLIK in Poland or iDEAL in the Netherlands, that buyers there often prefer to international cards.
Which local payment method should I add first?
The one most buyers in your target country already use. In Poland that is usually BLIK, in the Netherlands iDEAL, in Belgium Bancontact and in Brazil Pix.
Do local payment methods support refunds and subscriptions?
It depends on the method. Card-like schemes and direct debit handle refunds and recurring charges; many bank transfer and voucher methods handle refunds as a separate payout and do not support recurring charges.
Can I offer several local payment methods through one integration?
Yes. OrsunPay connects card, wallet and local methods through one platform, so you can add a new country without building a separate integration for each method.