The Installments Austria payment option is offered in cooperation with our partner Santander Consumer Bank. Your customer is given the option of paying in 12 to 60 monthly installments, whereas you will receive the full amount from Santander shortly after the goods have been shipped.
Please note that in addition to a payever account (create for free here) you also need a contract with Santander in order to use this payment method. To receive a proposal, please contact email@example.com and we will support you with an individual offer.
Terms and Conditions
As a merchant, you decide whether you want to offer the financing (loan) "budget-neutral" for yourself, subsidize the customer (i.e. cover part of the interest cost for the customer) or you may even add a commission for yourself - this will be part of the proposal by Santander that you will receive from us.
The Installments Austria payment option is applicable for amounts starting at €100 while the maximum amount is determined individually by Santander. When using one of our plugins, these limits are usually automatically accounted for so that the payment method is not displayed if the amount is outside this predetermined range.
The Installments Austria payment option is only available to customers based in Austria .
Please note that the Installments Austria payment option can only be offered to private consumers (not suitable for corporate customers).
After the payment has been completed, the customer is forwarded to payever, where information about the financial situation (income, housing costs, etc.) must be provided. If the customer sends this form in full, a Santander algorithm makes a first decision based on the data entered and automated queries at credit agencies.
If this turns out negative, the customer is asked to choose another payment method, if it turns out positive, the customer is then forwarded to the Santander contract center, where he can download the contract as a PDF and choose an identification method. He can choose between Post-Ident and Video-Ident.
Before the identification is completed, a transaction in payever has the status "in progress" (in your shop this can also mean "open", "payment check" or "waiting for payment", depending on the shop system you use). Once the identification has been completed, the status in payever automatically changes to "Accepted" (in your shop system, for example, "Paid", "Fully paid" or simply "OK"). You will also receive a corresponding notification by email. Please only ship the goods after the status changes.
When the goods are shipped, the transaction is captured, i.e. your customer receives the installment payment plan and you receive the corresponding amount. You must therefore report the shipment to us or to Santander. You can do this directly in the payever account (transaction details -> "Goods shipped") or via the shop system (may differ depending on the shop system, in Shopware 5 for example, this happens automatically when the status changes to "Completely delivered"). Please note that Santander may also requires proof of delivery in the form of a tracking number or similar (please contact your Santander agent for more information).
Cancellations can also be automatically requested via the payever portal in your shop system - but please note that such a cancellation still involves manual processes by Santander, so it may take a few hours (or until the next business day if necessary) before the transaction is actually cancelled.
Settings in the payever account
To install the Santander Installment Austria payment method, first open the Checkout app. To do this, either click on the Checkout icon in the Business Apps tile, or also the Checkout tile.
You can find the payment options on the left navigation bar.
Then click on+ Add.
Now a list of different payment methods appears, from which you will need to select Santander Installments Austria. To do this, click on install.
After you have successfully installed the payment method, click Open.
You will then be asked to insert your Santander credentials (Store ID) that you will have received in your contract with Santander. Insert them and click on Connect. If you only operate with Shipping/Delivery, Enable Pickup and Vendor Number Pickup can be ignored.
After linking the payment method, you can activate Redirect to shop after checkout. If activated, customers will be redirected back to your online shop after they completed the checkout process.
Status Messages in our Shop System Plugins
As previously indicated, the payever status reports in progress and accepted have different names in different plugins, and actions such as shipped goods and cancellation are located in different places and are named differently. In the table below you may see some examples:
Notes: In some shop systems you can adjust which payever status should be mapped to which shop system status - in this case we list our recommendation in this table, which then does not necessarily have to correspond to the actual setting in your shop.