Direct Debit Transfer (Germany, Austria)
Direct debit transfer is the most commonly used payment type in the German speaking regions. The customer provides his / her bank details and these details will be SSL-encrypted (128 bit) and transferred to the Novalnet server (for Firefox in 256 bit form). Moreover, in order to keep a check on fraud, several fraud modules and plausibility checks  are done. This reduces the probability of any manipulation or fraud usage of such bank data. Once the checks have been made, the account of the customer will be charged. Due to the extensive usage of this payment mode, our customers have good response for direct debit transfer.

Credit Card (Master card, Visa, Amex, JCB and Diners club)
From the very beginning of online-trade, credit card has been the most extensively used payment mode for internet payments in the international market. Even in the German market credit cards are being used as an extremely safe and comfortable mode of payment, with an ever increasing growth in the acceptance amongst online end-customers. The greatest advantage of credit card payments is their widespread usage amongst customers worldwide and thereby ensuring an end-customer located anywhere in the world can easily buy or make an online purchase. Moreover, credit card companies provide highly secure payments, taking several plausibility checks into consideration prior to the booking or online transaction.

Prepayment / Advance Payment
The advance payment system is traditional for distance selling and is carried out like the classic bank transfer by the end customer. With the Novalnet payment solutions you can easily track received payments and send automatic invoice reminders. Once the bill is met, the merchant can ship the goods immediately. In consequence the merchant can save a lot administration work and has always the latest status of the transaction in the administration tool.

Payment by Invoice/ Pay by Bill
This payment method is very popular among online-shoppers and will decrease a shop’s dropout rate at checkout drastically. With the Novalnet payment solutions you can easily track received payments and send automatic invoice reminders. In consequence the merchant can save a lot administration work and can track anytime the latest status of the transaction in the administration tool.

Telephone Payment
Novalnet proposes you the comfort to process telephone payments. Fast, simple and anonymous. You can make payments with ease from your landline or mobile network. The invoice or bill for this payment will be charged to your normal landline or mobile invoice from your respective provider. The reason for payment of the transaction is kept neutral. This form of payment is ideal for small amounts of payment (micro payment) and for a limited period of time.

Online Transfer
The European online transfer meanwhile incorporates 99% of banks in Germany and is available for every customer who owns a current bank account and uses online-banking.  Besides Germany, several other countries such as Austria, Switzerland and United Kingdom are using this mode of online-transfer. Once the end-customer selects this payment option, he/she will be redirected to an online form where he would need to enter his online banking details, after which the payment transaction can be performed immediately.

PayPal
PayPal is a fast and safe way to send and receive payments online without sharing your financial information. With PayPal, you can: - Shop online with millions of merchants. - Pay online with your PayPal balance, bank account or credit card. - Check out quickly – no need to enter your payment and shipping information. - Get paid for what you sell on eBay, on your own website or in social networks and forums. - Donate to your favorite charity. - Use your credit card and earn rewards.

SEPA Direct Debit
Europe-wide debit procedures and cross-border money transfers in the Euro zone are simplified by the standardized Single Euro Payments Area (SEPA) procedures. SEPA stands for a common Euro payments area in which all payments are processed like domestic payments. Novalnet AG offers you SEPA capable payment modules for smooth international payment transactions.

Mobile Payment (currently being developed)
Mobile payment is very similar to telephone payment. After entering a mobile phone number, the customer is able to pay by using a PIN or callback. This is an uncomplicated, anonymous and quick procedure, perfectly suitable for time-based user charges or micropayment. Usage can be paid conveniently via the mobile phone bill, no further registration is necessary. The billing purpose is neutral.