Online store payment methods

If you have a Holvi online store your customers will have a wide range of payment options to use for their shopping. All of the below methods are available in your Holvi online store the moment you create your Holvi account. Though credit cards are only available for business accounts, this means upon the account opening you would have had to have defined the account as a business one.

Finland

  • Handelsbanken
  • Nordea
  • S-Pankki
  • Aktia
  • Säästöpankki
  • Lähitapiola
  • Osuuspankki
  • Danske Bank

Global credit cards

  • Visa 
  • MasterCard
  • Diners
  • Discover
  • JCB (Japan Credit Bureau)

Austria/Germany local payment methods (see more below)

  • SOFORT Banking
  • eps Online-Überweisung

 

SOFORT Banking

SOFORT Banking (in Austria, Germany, Switzerland known as SOFORT Überweisung) is an online direct payment method which uses online banking systems established by banks and acts as an intermediate between an online shop and a consumer’s online banking account.

Consumers who select SOFORT Banking as payment method for an online purchase will be directed straight to the sofort.com payment form. All transfer data is handed over automatically so that the consumer only needs to log into his bank account using account number and PIN. After a successful login, a form will open on SOFORT Banking containing the transfer order for the customer’s bank. All the customer needs to do is authorize the transaction using a TAN (transaction authentication code). Any information is delivered to the customer´s bank in an encrypted form. Merchants receive confirmation of the transfer order in real time and may dispatch the goods instantly.

Please visit SOFORT Banking for further information and details.

Advantages for merchants

  • Confirmation of a payment made with SOFORT Banking is received in real-time.
  • No waiting time before the goods are to be delivered as it is the case with payments in advance, e.g. bank transfer.
  • Convenient for customers as they can use their usual online banking login details.
  • Virtually risk-free because customers may not reverse the payment (no chargeback).

Advantages for customers

  • No need to register or open a virtual account and no need to transfer money first to an account.
  • Fast delivery of goods because the merchant receives a confirmation of the transaction immediately.

 

eps Online-Überweisung

The online payment method eps Online-Überweisung is based on the technical standard eps (e-payment standard). Eps is an open and standardized XML interface between online-shops, E-Government, public institutions and banks which offer the eps interface to initiate irrevocable online payments. Eps Online-Überweisung allows customers to make online payments via their online banking applications.

Eps Online-Überweisung is offered by Austrian banks as a convenient and secure online payment method or e-payment in online shops or E-Government processes. Customers who select eps Online-Überweisung as payment method for an online purchase are directed to their online banking system. After a successful login, a form will open on eps Online-Überweisung containing the transfer order for the customer’s bank. All relevant details of the purchase such as amount, reason for payment, customer details and the transfer execution date are already filled in. All the customer needs to do is authorize the transaction, e.g. using a TAN (transaction authentication code). Once the transfer order is accepted by the customer´s bank, the merchant receives a confirmation and may dispatch the goods instantly.

Please visit eps Online-Überweisung for more information and details.

Advantages for merchants

  • Merchants receive a real-time eps payment confirmation message with the status of the underlying credit transfer issued by the customer´s bank.
  • Based on the received payment status and remittance identifier, goods or services may be delivered instantly.
  • High consumer potential, many buyers thanks to the familiarity of the online banking system.
  • Real time information during the processing.
  • Technical security to prevent fraud.

Advantages for customers

  • Customers may use their familiar, trusted and secure online banking system.
  • No additional registration or codes are required.
  • No additional costs will arise.

Integration information

To integrate and offer the payment method eps Online-Überweisung for your customers in your online shop, merchants have to conclude and sign the eps merchant contract; further information should be obtained directly from the merchant´s account holding bank.

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