According to current studies about 86% of all online payments are accomplished via direct debit in the German-speaking countries. But still many online merchants are careful with the employment of this payment type, because it bares the risk of chargebacks. In order to enable the merchant to offer this popular direct debit payment, Novalnet provides best protection against fraud and chargebacks through integrated fraud prevention checks and thus increasing your revenues.

Within only a few clicks the online transfer is completed and effectuated immediately. A considerable advantage is the direct debit in realtime – for the customer as well as for the merchant. The customer enters the PIN and TAN-number, as familiar from online banking. All data is handled securely by the service provider. This payment type grows in popularity, as the customers can benefit from a purchase protection and ever more users are registered for online transfers. Another advantage for the merchant is the exclusion of chargebacks.

The traditional mode of payment and the most secure payment for the online merchant. The received payments are automatically checked by the Novalnet system and appear in realtime in the administration panel of the merchant. The payment status is updated automatically by Novalnet. The merchant must not spend time on checking the receipts of payment.

Fast, simple and anonymous – perfect for the billing of time-dependent utilization or macropayment. The invoice is billed at the end of the month via the telephone bill of the end-customer, therefore the customer does not have to prepay nor has to have the amount available on the date of order. The payment is made comfortably from the German landline, no additional registration is required. The reason for transfer remains neutral.

The most common credit cards worldwide are Mastercard and Visa with over 52 mio. points of acceptance in total. Credit cards in a classical sense are actually charge cards. These cards are distributed by the issuer, the bank issuing the cards, and are billed by the acquirer who processes the credit card payments. In between of every transaction via credit card is the partner enterprise who accepts the credit card payments for goods and services at point-of-sale or online. With Novalnet you are able to offer payment by Visa and Mastercard, as well as payments by the internationally widespread American Express and JCB cards. The credit card payment can be integrated in your shop with additional security procedures like the 3D Secure Method or by using a PCI DSS compliant module.

With over 15 mio registered PayPal customers who represent the half of all online shoppers in Germany, you have access to unlimited potential customer groups. Get PayPal up and running in a few minutes and you can receive payments online as easy as at the cash desk. While you can rely on the PayPal seller protection, your customers can confide in the PayPal purchase protection.

The buy on account is a comfortable payment method for your customers, with minimized risk thanks to the smart fraud prevention by Novalnet and cost-free debt management. End-customers appreciate the possibility to pay by invoice especially for online shopping as the goods are paid only after delivery and testing via the common and simple bank transfer. Many online merchants miss out on those customers, who are willing to pay only by bill. In consequence, by using an intelligent fraud prevention and just in case being able to recover funds via the free debt management service your risk is perceptibly reduced.