Offer

What are Card Data Storage and how to use them?

This is a mechanism that helps to minimize the purchase process. If a customer has already purchased in an online store (or has created an account and provided their card data), a merchant may allow them to make next purchases without filling in the information again.

The main idea behind this solution is to simplify the purchase process and improve its experience, which results in greater income for the merchant.

You can read more about card data storage on [PayLane Developer Zone][devzone-com-cards-card-data-storage].

Card Data Storage are free at PayLane; merchants are only charged the regular transaction fees.

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Can I use Card Data Storage in my e-business?

Of course you can! All you have to do is integrate with us through API! Let your customers create accounts (or upgrade them) on your website and their information will automatically be stored.

Sometimes even when someone creates an account, they don't fill in their card information until the first transaction. However, once they do it, is stored and next purchases can be done by just by simply logging in and continuing to do shopping.

It`s very convenient – you can log in in the application, from wherever you like and you can make a purchase without filling in the log payment forms.

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What are automated recurring payments and how to use them?

Recurring payments (also called subscriptions, recurring billing, etc.) is a mechanism that enables a charge on a customer's card regularly without engaging neither the customer nor the merchant.

It's a perfect payment solution for all kinds of subscriptions, including web applications (accounts paid monthly or annually), magazine subscriptions, bills, etc.

Merchants often use recurring payments to charge their customers a constant amount within specific time periods (e.g. monthly), but it's also possible to use recurring payments with variable amounts or time periods if it suits your business model.

Recurring payments are free at PayLane; merchants are only charged the regular transaction fees.

Read more:

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What are settlement and transactions currencies and how do they differ?

Transaction currencies are the currencies accepted by a merchant. Customers pay for goods in transaction currencies.

Settlement currencies are the currencies in which merchants receive payouts from their merchant accounts.

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How to choose a settlement currency?

It's best to determine how many currency conversions you can expect and choose the settlement currency to minimize them, this way you will avoid unnecessary costs.

For example, if you expect that most of your payments will be in pounds sterling, it will probably be quite reasonable to set up a merchant account in GBP. It may be also be good to open a company account in GBP as well - this way you'll not only minimize currency conversions during purchases, but also avoid them during the payout.

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What kind of payment methods does PayLane offer?

PayLane offers:

  • card payments (credit cards, debit cards, pre-paid cards etc.),
  • direct debit,
  • wire transfers,
  • PayPal,

and numerous other payment methods.

Apart from payment methods that are well known around the world, there are also many payment methods popular on specific markets or in specific countries. Systems such as Sofort BANKING, giropay or iDEAL are perfect to increase income on certain European markets (the same goes to branded cards, etc.).

If you want to know more, simply contact us.

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Do you accept merchants from my country?

Every case is different and it's always best if you contact us directly in that matter. However, it's safe to say that at present time we can accept merchants from countries listed below.

  • Andorra,
  • Austria,
  • Belgium,
  • Bulgaria,
  • Croatia,
  • Cyprus,
  • Czech Republic,
  • Denmark,
  • Estonia,
  • Finland,
  • France,
  • Germany,
  • Gibraltar,
  • Greece,
  • Greenland,
  • Hungary,
  • Ireland,
  • Iceland,
  • Isle of Man,
  • Italy,
  • Latvia,
  • Liechtenstein,
  • Lithuania,
  • Luxembourg,
  • Malta,
  • Monaco,
  • Netherlands,
  • Norway,
  • Poland,
  • Portugal,
  • Romania,
  • San Marino,
  • Slovakia,
  • Slovenia,
  • Spain,
  • Sweden,
  • Switzerland,
  • Turkey,
  • United Kingdom.

Please note that if your country is not on the list, it doesn't necessarily mean we cannot accept your business - contact us and perhaps we'll manage to find a solution.

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What are the most popular payment methods in the United Kingdom?

MasterCard, American Express, Diners Club, VISA, PayPal.

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What are the most popular payment methods in Germany?

Invoices, giropay, SOFORT banking.

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What are the most popular payment methods in United States?

MasterCard, American Express, Diners Club, VISA, PayPal.

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What are the most popular payment methods in Spain?

VISA, MasterCard, American Express.

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What are the most popular payment methods in Ireland?

Maestro and Visa Electron.

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What are the most popular payment methods in the Netherlands?

iDeal, VISA, MasterCard.

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What are the most popular payment methods in Canada?

Visa, MasterCard, American Express, PayPal.

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What are the most popular payment methods in France?

Carte Bleue, VISA, MasterCard.

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What are the most popular payment methods in Denmark?

Dankort, invoices, and cash-on-delivery.

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What are the most popular payment methods in Poland?

The most popular payment methods in Poland are wire transfers and cash-on-delivery.

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What are the possible fees?

This all depends on the payment methods you choose. In most cases there's a standard fee that is a sum of transaction fee and commission fee. The transaction fee is a fixed value, and commission fee is a percent value (it varies depending on the transaction amount).

Most of our payment services (like recurring billing or single-click payments) are free of charge, although several (e.g. 3-D Secure) may require additional fees. We also don't charge any set up fees, although in many cases there may be a monthly fee.

It's always best if you contact us directly, so we can provide you with more specific insight that pertains to your case.

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What businesses are fit for APO?

Automatic Payment Optimizer is for big merchants with multiple accounts, in different banks.

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How do repeating transactions in APO work?

If a bank declines a transaction, APO automatically begins to check other accounts in other banks (or just one if all of them are located in it) until it reaches a bank that approves the transaction.

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What is MO/TO?

MOTO stands for Mail Order Telephone Order and is a type of card payment. Instead of purchasing on a website, a customer may phone the retailer, place an order, and pay by providing card data over the phone (the same can be done with mail). It's another type of card not present transaction, appreciated for its convenience and mobility (consumers don't need Internet access if they choose to pay with a phone call).

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What is Virtual Terminal and where to find it?

A Virtual Terminal is usually a payment form that allows the initiation of a payment. Such forms are often used with MOTO services (a person receiving the order via a phone call uses the Virtual Terminal to perform a payment on the card holder's behalf). PayLane offers its own Virtual Terminal for merchants - you can find it in the Merchant Panel.

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Do you allow mobile payments?

Yes, it's possible to implement payments via mobile devices with PayLane. However, every case is different and a lot of elements have to be taken into account (for example whether the case is in accordance with Apple regulations), so it's always best if you contact us and discuss your needs individually.

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Do you accept startup businesses?

Yes, we do.

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Do you have a partner program?

Yes. Please contact us for additional information if you're interested in recommending our services.

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Where can I get PayLane's (or Visa, MasterCard, etc.) logo?

You can find the logos on the PayLane Press room website in the Graphic materials section. There are different kinds, sizes, and formats of the PayLane logo, as well as payment methods logotypes in various combinations. Should you need anything else in that matter, please contact us directly.

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