Buy Now Pay Later (BNPL) is offered in cooperation with our partners Santander Consumer Bank and Verifone Payments. Your customers have the option to transfer their invoice amount within 30 days (to the payment partner), while you usually receive your money within one to two working days after the goods have been dispatched.
Who can use BNPL?
BNPL is only available for customers based in Austria.
Please note that BNPL can only be offered to consumers (not suitable for corporate customers).
Please also note that no different delivery addresses may be entered for this payment method (fraud prevention). When using one of our plugins, this is set automatically so that the payment method is not displayed if a different address is entered.
BNPL is offered by default for amounts up to €3000 (if necessary, you can agree a individual amount with Santander). When using one of our plugins, these limits are usually set automatically so that the payment method is not displayed if the amount is outside this limit.
Fees & Onboarding
Santander sets the conditions for Buy Now Pay Later individually for each merchant. Please request an individual offer at support@payever.de to find out more.
Process
After completing the payment, the customer is forwarded to payever, where they simply enter their date of birth and telephone number, and agree to a credit check. If the customer completes and submits this form, a scoring algorithm makes a decision within a few seconds. If the result is negative, the customer is asked to choose another payment method; if the result is positive, the customer sees a corresponding success message and, if you use the payment method in your online store, is redirected back to the store to an order confirmation page.
Your customer will then receive a confirmation email, but not yet a payment request - the latter will only be sent once you have activated or captured the payment. Only then will the payment be made to you and the customer's 30-day payment period will begin. Please note that an approved payment must be activated/captured within a certain period - if the capture is not made within the agreed period, the transaction expires and can no longer be used (indicated in payever by the status “Cancelled”). As a rule, this period is 30 days from receipt of the order, unless a different period has been individually specified in your contract.
Setup & Configuration
First open the Connect app.
Select the Payments tab in the menu on the left and click on the Install button next to the Santander BNPL AT tile.
As soon as the installation is complete, enter your authentication data under Merchant ID (you will receive your Merchant ID from Santander once the contract has been signed).
After you have successfully established a connection, you can determine whether the customer should be forwarded directly to the store or not. If this is activated, your customer will be redirected to your order confirmation/ thank you page after completing the payment. All you have to do is check the box and click Done.
You can also choose when and how the capture should be made:
- Select Auto-Capture on fulfilment (recommended) if you want the payment to be activated when you are notified that the goods have been dispatched. It then initially has the status ACCEPTED and only changes to PAID when the dispatch notification is sent to payever. You can report the dispatch of goods directly in the payever account (transaction details -> “Goods dispatched”) or trigger it automatically via your store system (varies depending on the store system, e.g. automatically in Shopware 5 when the status changes to “Fully delivered”).
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Select Auto-Capture on authorization if the payment is to be automatically activated directly on approval. It will then immediately receive the PAID status and your customer will also receive the payment request immediately. Please note that you may only use this option if the following conditions are met:
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You generally ship your orders very promptly (within approx. three working days of receiving the order).
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You only sell the stock in your online store that you actually have in stock - i.e. you do not use drop shipping or order picking (order/purchase order to manufacturer/wholesaler only after customer order) and you do not make individual products to order.
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Select manual capture if payment is to be made exclusively by manual capture in the payever platform. We do not usually recommend this setting as it would mean too much manual effort for most merchants.
If you now click on Return, you will see that the connection is displayed as default. If you want to change your settings again later, you can do this by clicking on View next to Default.
Note for Invoicing
If you send your customer an invoice, please make it clear that you have assigned the receivables to a third party (Santander/ Verifone) and that payment must be made to the payment service provider accordingly and should never be transferred to your company account.
For the transfer data (IBAN, reference, etc.), either refer to the corresponding email that the customer receives from Santander or include the payment service provider's transfer data in your own invoice (more information on where you can find this data, which is generated individually for each transaction, can be found in the respective plugin instructions (if you use one of our ready-made plugins) or in our API documentation).