Choose payment
methods that fit your needs
With the 24pay payment gateway, you can choose the payment methods and features that best suit your business. A wide range of payment options helps simplify the checkout process, increase checkout completion rates, and provide a payment experience tailored to your customers’ preferences.
Why does the choice of payment methods matter?
Every customer has a preferred way to pay. While some prefer paying by card, others choose Apple Pay, Google Pay, or online bank payments. Offering the right combination of payment methods helps reduce cart abandonment and increase the number of successfully completed purchases.
Card payments
Instant payments
Bank transfers
Installment payments
SMS payments
Payment gateway
features
Recurring payment with a saved card
Recurring payment with saved card allows customers to register their card during an online payment and avoid repeatedly entering their card details.
24pay offers you on-demand recurring payments, where you can charge the customer’s card upon request after the customer has authorized the initial payment and their card has been stored.
This solution is ideal if you need to invoice or bill your clients repeatedly. The advantage is that you can request a payment at any time and adjust the payment amount as needed.
Payment via QR Code
(Pay by square)
Fast bank transfer via a generated QR code displayed in the payment form.When the QR code is scanned, a payment order with pre-filled payment details opens in the customer’s online banking, the customer only needs to authorize the payment.
Payment link
An option to send a payment link that directs the customer to a pre-filled payment form where they can confirm the payment. This is especially useful in situations such as:
- after a failed payment, so the customer doesn’t have to re-enter the entire payment or create a new order,
- for phone orders or customized orders with individual services and products pricing,
- when the customer doesn’t complete the initial payment due to low card limits, blocked online payments or insufficient funds (eliminating the need to resubmit the order),
- when the merchant in a physical store does not have a POS terminal.
Payment pre-authorization
Pre-authorized payments are card payments that have been authorized in advance, where the funds are reserved on the customer’s account but have not yet been transferred. The merchant can decide to:
- accept the payment and the funds remain held on the customer’s account,
- decline the payment and release the funds back to the customer’s account,
- cancel the payment,
- or confirm only a partial amount.
This feature is ideal, for example, in pre-ordering goods where there is a risk of limited stock availability.
Payment on the bank’s website (redirect)
3D Secure (standard security feature for cards)
Responsive design
Publicly available API documentation
FAQ
What key features does the 24pay payment gateway offer?
The 24pay payment gateway lets you accept card payments, mobile payments such as Apple Pay and Google Pay, online bank payments including instant SEPA transfers, and other digital payment methods. You can manage all transactions easily through a clear and user-friendly admin portal.
What is saved payment?
Saved payment is a feature that helps recover incomplete or declined payments. If a customer does not complete the payment, for example due to insufficient funds or a card limit being reached, the system automatically sends an email with a payment link so they can complete the purchase without creating a new order. You can easily activate this feature in the 24pay system.
What is pre-authorisation?
Pre-authorisation is a type of payment where the amount is reserved on the customer’s card but not charged immediately. The merchant can later capture, cancel or adjust the payment. It is commonly used for pre-orders or when the final amount may change.
What is a custom payment form?
A custom payment form is a solution where the payment gateway is visually tailored to match the design of your online store or website. Customers complete their payment in an environment that reflects your brand, helping build trust and improve checkout completion rates. If you are interested, contact us at email protected.
Does the 24pay payment gateway support recurring payments?
Yes. The payment gateway supports recurring payments for subscriptions, memberships and other repeat billing models, with automatic processing based on your chosen billing interval.
How are payments kept secure?
The 24pay payment gateway meets strict security standards, including 3D Secure and PCI DSS, to protect sensitive payment data. Every transaction is encrypted and checked in real time. The system also monitors suspicious activity to help reduce fraud risk and ensure secure payments for both merchants and customers.
Card payments
Did you know that card payments are the most commonly used method for purchasing goods and services, both globally and in Slovakia?
Payment cards are easy to use, widely popular and secure. 24pay also offers the on-demand recurring payment feature.
With this feature, you can charge the customer’s card on demand after the customer has authorized the initial payment, during which their card was saved.
This is ideal if you need to invoice or charge your clients repeatedly. The advantage is that you can request a payment at any time and adjust the payment amount as needed.
Instant payments
The instant payment method via bank buttons combines the benefits of a bank transfer with the capabilities of the 24pay payment gateway.
Instant payments are more cost-effective than card payments and significantly faster than standard bank transfers. 24pay holds its own accounts with individual banks, so transfers are always executed within the same bank. This minimizes both transaction fees and processing times.
Bank transfers
Bank transfers are a secure payment method processed through the customer’s online banking.
This method allows easy authorization of payment orders, speeds up the payment process and helps avoid mistakes when entering payment details. As a merchant, you benefit from efficient payment control and management, with detailed information about completed transfers available in the 24pay system.
Customers can also make a quick bank transfer by scanning a QR code generated for the payment and displayed in the payment form. Once the QR code is scanned, a pre-filled payment order opens in the customer’s bank, requiring only final authorization.
Installment payments
Pay LaterTB is an online loan service from Tatra banka that allows customers to split their purchase into multiple installments.
The customer selects the installment payment option directly in the payment form, fills out a consumer loan application and signs the agreement online. The loan is reviewed within minutes. The funds are then transferred to the merchant’s account and the bank notifies the merchant, who can immediately proceed with shipping the goods or providing the service.
Unlike the BNPL (Buy Now, Pay Later) method, this solution offers more favorable fees and is regulated to protect consumers from excessive debt.