Payment Partner Zahlungssysteme GmbH

Our Payment Methods

• Credit card / VISA, MASTERCARD, American Express
• Electronic direct debiting system
• Online transfer / giropay
• PayPal

Service offerings

We are a successful special service provider for:

• E-commerce shops
• Tourism exchanges
• B2B platforms
• Auction platforms
• Airlines
• Call Center
• And much more

Credit card / Visa, MasterCard, American Express

Internet trading and credit payments go hand-in-hand – Payment Partner, as an online shop owner, offers you uncomplicated trustful acceptance agreements with both of the large credit card institutions Visa and MasterCard.

Your advantages:

• Based upon its cooperation agreements with Visa, MasterCard and American Express, Payment Partner will make it possible for you to avoid time-consuming negotiations and allow you to dive headlong into your new business
• The transaction costs incurred by you as the merchant through the credit card payment are minimal and furthermore involve a lower risk that the payment will not be received
• Direct online reviewing of customer data ensures that you can immediately make confirmation to the buyer of the conclusion of the business transaction
• You provide your target group with payment method options with the simplest and, at the same time, most secure processing possible

Electronic direct debiting system

As before, the majority of German people prefer to use the electronic direct debiting system for paying for online purchases. The focus in this regard is less upon the requirement for fast delivery than the subjective feeling of security and transparency with regards to the monetary transfer that was made.
This makes the following possible:

• The most modern SSL encoding technology which protects customer data from undesired spying when it is transmitted to Payment Partner and subsequently to the house bank
• The Payment Partner plausibility check (account validation) verifies in real-time the existence of the account designated by the customer

Your advantages as a dealer:

• Because your customer can object to a charge for up to six weeks and the bank can also refuse to make the payment if there isn’t a sufficient coverage amount, then this payment method is certainly cheaper for you, but there is no security.
• Within two weeks, Payment Partner will advance you up to 90 % of your payment claim and take care of the formalities imposed upon you for any possible reversals of charges.

Transaction example:

• With electronic direct debiting systems, it is normally the case that the merchant only then learns from the bank after three or four days whether the customer has paid for the goods ordered. This may be OK for the customer who orders material goods. However, someone who would like to use Internet services such as partner exchanges, web lotteries and lottos as well as online games also wishes to immediately be able to access them by means of the electronic direct debiting system.

1. The customer provides the personal information that is required for identification into the data mask of the service provider.
2. When the account number is entered, the Payment Partner Business Intelligence Platform (BIP) system software verifies the existence and accuracy of the bank account details in the background. Charge backs with substantiations such as “account doesn’t exist” or “wrong account number” no longer occur and reduce the merchant’s risk considerably.
3. In addition, the verification of your customers’ ability to pay can reduce the risk of reversals of charges and fraud. In addition, Payment Partner offers you access to both cost-neutral resources such as blacklists and whitelists as well as credit and scoring checks which require a fee.
4. If, however, the Payment Partner Software BIP discovers a reversal of a charge based upon the clear classification of the registered service user and the user account, the access to the web shop being used can be blocked until the payment claim amount has been paid.
5. If the payment should be late or refusal is made to make payment, then you will have a number of dunning options available to you via Payment Partner.
   • Initially, the late payer is reminded of his obligations via SMS or/and a payment claim collection call centre
   • Even if written warning letters are not successful, then the payment claims will be turned over to renowned specialist attorneys who will take the escalated cases to court for you if necessary

Online transfer / giropay

The trend in E-business is clearly moving towards the so-called “online transfer”. Payment Partner makes it possible for your customers to pay in the online shop with the only really secure payment option: giropay

• giropay is legitimised by the payment guaranty of the savings banks, the postal bank as well as the Volksbanken Raiffeisenbanken
• After being directed from your web shop, the end customer directly accesses his own online account and confirms his transfer per PIN/TAN
• Through the immediate confirmation of the payment, you can send your goods to the customer immediately after the transaction is made without the risk of the customer reversing the charge

Advantages for the merchant:

• Almost all customers using online banking can make online transfers
• More and more customers now trust giropay and thus your sales will increase
• The payment confirmation by giropay means the same for you as if it were money booked to your account
• With costs of a maximum of 2.5% of the invoiced amount, the online transfer is an extraordinarily cheap payment method for you
• Thanks to its tried-and-tested cooperation with leading acquirers (financial institutions/house banks processing credit card payments), Payment Partner can offer its customers the service of providing all contractual and technical requirements for payments via online transfer as a complete package that merely needs to be signed off on.

Transaction example:

• In addition to merchants who place importance upon the fast processing of their goods transactions, particularly providers and users of non-material goods such as partner exchanges, web lottos and web lotteries as well as online games, etc. profit from the uncomplicated and “real-time” payment method of the online transfer with giropay.

1. If your customer would like to buy your product and/or visit a members’ area that requires a fee, he must first enter his name, his own account number and bank routing no. on the TÜV[Technical Supervisory Authority]-certified giropay online transfer form. The fields for your data (payment recipient, amount and usage purpose) have already been filled in
2. The Business Intelligence Platform (BIP) payment system automatically connects the customer, based upon his bank routing number, with online access to his house bank where he can log in with his account number and his personal PIN
3. The customer provides approval for the giropay remittance slip to be carried out by its bank by means of a TAN code
4. You, as the online merchant, will be directly notified by giropay at the moment the transfer is authorised by the customer
5. The monetary amount to be transferred shall only then be received in your account after 2-3 business days as with a normal transfer. However, you will have the guarantee that it will arrive
6. You can ship the products that have been purchased or release the online services that have been paid for and wait for your 100% secure payment with total peace of mind.

PayPal

Mit PayPal ist die Zahlungsabwicklung immer gleich, und das bedeutet, sie ist vor allem immer gleich kurz. Ihre Kunden müssen sich nicht jedes Mal an einen neuen Bezahlprozess gewöhnen. Sie bezahlen immer mit den gleichen Schritten. Damit erhöht sich die Wahrscheinlichkeit, dass die Zahlung abgeschlossen wird. Und Sie profitieren von weniger Zahlungsabbrüchen.

Allein in Deutschland gibt es bereits 10 Mio. PayPal-Konten. Vergrößern Sie Ihre Kundenbasis, indem Sie PayPal als Zahlungsmethode anbieten.

PayPal wird auch weltweit immer beliebter. Mehr als 160.000 Online-Shops in Europa haben PayPal als Zahlungsmethode integriert. Lassen auch Sie Ihre Kunden einfacher, schneller und sicherer bezahlen – genau wie buch.de und viele andere Online-Shops.

Wir sorgen mit verschiedensten Maßnahmen für Zahlungssicherheit. Denn wir schützen Sie vor den Risiken des Lastschriftverfahrens und vor Rückbuchungen von Kreditkartenzahlungen aus dem In- und Ausland. Das bedeutet weniger Zahlungsausfall für Sie – und folglich mehr Umsatz.

References

Because, in our opinion, monetary transactions are confidential matters, we guarantee our customers that your transactions will be kept confidential. Accordingly, we will disclose references only in the form of personal contacts when a relationship of trust has developed between us.