Debit card

DEBIT CARD

In addition to the classic credit card, there is the debit card. In Germany, the most well-known is the EC card. However, almost every country also has its own debit card. In order to gain the trust of customers in the respective country, you should also accept the respective local card. With Novalnet you can offer this type of payment in your online shop easily and with little effort.

Advantages

Debit card

The transactions are debited directly from the connected current account on the debit card. Not only can this card be used to make cashless payments, but it is also possible to withdraw cash from the machine.

International

Novalnet supports the most important international credit cards. These include VPAY, Visa Debit / Visa Delta, Visa Electron and Debit Mastercard.

Maestro and Mastercard

The leading debit cards are safe Maestro and Mastercard SecureCode. Increase your sales by giving your customers a choice. In Austria, Spain and Great Britain in particular, people like to shop online with Maestro.

PostFinance Card

The market leader in Switzerland, however, is the PostFinance Card. PostFinace has almost 3 million customers, which means that the card is very important in Switzerland.

Carte Bleue

In order to serve the market in France, Novalnet offers the acceptance of the Carte Bleue. There are around 30 million cardholders who have the international Carte Bleue.

More local and international debit cards

Whether Dankort (DK) for Denmark, CartaSi for Italy or postpay, there are many other local and international cards that you can process through us. This gives you the opportunity to open up the entire European region as a market.

Functions

Process of paying with a debit card

Novalnet offers you the highest security standards and maximum availability. The payment itself is completely automated, within a fraction of a second.

Whatever your business is

We offer you a solution for almost every business case. Be it for booking, reservation, collection, partial collection, recurring payment, credit, cancellation or chargeback.

Protection against fraud

The authentication by 3D-Secure (Mastercard SecureCode and Verified by Visa, or similar authentications) provides a high level of protection against fraud and expensive chargebacks. This also gives a kind of conditional payment guarantee. You can increase the protection with additional fraud modules from Novalnet.

International payment

Novalnet supports almost every currency so that nothing stands in the way of your international business.

3D secure

This offers additional security for online credit card transactions
3D-Secure procedure. A large number of online shops at home and abroad already use 3D Secure. The two logos Verified by Visa and Mastercard Identity Check (formerly Mastercard SecureCode) indicate that an online shop uses the 3D Secure process.
If an order is placed in an online shop with 3D-Secure, a window appears during the payment process in which the buyer must enter the 3D-Secure password.

The advantage of 3D-Secure for you as a retailer

Online retailers are protected against chargebacks due to disputed credit card misuse or credit card use. The card-issuing bank must assume liability here. However, this does not apply to chargebacks that arise due to undelivered or faulty goods.

PCI-DSS

Merchants can save themselves the costly PCI-DSS certification by using the certified data storage at Novalnet.

Registration process

In your shop, you use either the so-called “JSON Object Technology” or an iframe in which the end customer enters his payment data directly. Both technologies ensure that you or your system can neither save nor edit the data. The data is transmitted to Novalnet using a PCI-compliant process (with 256-bit encryption), which means that you do not need your own PCI certification. Novalnet checks the data according to the selected settings (e.g. plausibility of the bank details/plausibility of the KK number) and stores it. In the case of credit cards, if the processor supports this option, a test authorization is carried out immediately, which is then immediately cancelled. In this way, the correctness of the CVC can be checked and also whether the card can in principle be loaded.

Using the full CC number, multiple registrations can also be checked and avoided.