European Payment Methods - Dodo Payments Documentation

Accept iDEAL, Bancontact, EPS, Multibanco, BLIK, SEPA Direct Debit, and Satispay to reach European customers who prefer to pay from their bank or a local payment app instead of a card. In markets where a local method is the most common way to pay online, offering it can raise conversion.

Why Local European Payment Methods?

Higher Conversion

iDEAL is the most-used online payment method in the Netherlands. Without it, you lose Dutch customers who won’t pay another way.

Bank Authentication

For bank-authenticated methods, the customer approves the payment in their banking app or on their bank’s site.

Real-Time Settlement

Most methods on this page confirm the payment during checkout. SEPA Direct Debit and Multibanco ATM payments confirm later.

Supported Methods

Each method is offered only when the checkout matches its currency and billing type:

Method	Country	Currency	Subscriptions
iDEAL	Netherlands	EUR	No
Bancontact	Belgium	EUR	No
EPS	Austria	EUR	No
Multibanco	Portugal	EUR	No
BLIK	Poland	PLN	No
SEPA Direct Debit	Eurozone	EUR	Yes
Satispay	Europe (Italy)	EUR	Yes

iDEAL (Netherlands)

iDEAL is the most-used online payment method in the Netherlands. It connects directly to all major Dutch banks, and the customer approves each payment with their own bank.

How It Works

The customer selects iDEAL, picks their bank, and authenticates there:

Supported Banks

iDEAL works with all major Dutch banks, including:

ABN AMRO
ASN Bank
Bunq
ING
Knab
Rabobank
RegioBank
Revolut
SNS
Triodos Bank
Van Lanschot

Configuration

To offer iDEAL, include ideal in allowed_payment_method_types and bill in EUR:

// `client` is an initialized DodoPayments client.
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'pdt_123', quantity: 1 }],
  allowed_payment_method_types: ['ideal', 'credit', 'debit'],
  billing_currency: 'EUR',
  billing_address: {
    country: 'NL',
    zipcode: '1012JS'
  },
  return_url: 'https://example.com/success'
});

Bancontact (Belgium)

Bancontact is Belgium’s national payment scheme. Almost all Belgian banks use it for online payments.

Features

Works with the Bancontact debit cards that Belgian customers already have
Supports payment in the Bancontact mobile app
Confirms the payment during checkout
Requires no extra registration from the customer

Configuration

To offer Bancontact, include bancontact_card and bill in EUR:

// `client` is an initialized DodoPayments client.
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'pdt_123', quantity: 1 }],
  allowed_payment_method_types: ['bancontact_card', 'credit', 'debit'],
  billing_currency: 'EUR',
  billing_address: {
    country: 'BE',
    zipcode: '1000'
  },
  return_url: 'https://example.com/success'
});

EPS (Austria)

EPS (Electronic Payment Standard) lets Austrian customers pay by online bank transfer from their own bank.

Features

Connects directly to Austrian banks
Confirms the payment during checkout
Has high trust among Austrian consumers

Supported Banks

EPS works with major Austrian banks, including:

Erste Bank
Bank Austria
Raiffeisen
BAWAG
Volksbank

Configuration

To offer EPS, include eps and bill in EUR:

// `client` is an initialized DodoPayments client.
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'pdt_123', quantity: 1 }],
  allowed_payment_method_types: ['eps', 'credit', 'debit'],
  billing_currency: 'EUR',
  billing_address: {
    country: 'AT',
    zipcode: '1010'
  },
  return_url: 'https://example.com/success'
});

Multibanco (Portugal)

Multibanco is Portugal’s interbank network. Customers can pay online, or pay a payment reference at an ATM.

Payment Options

Customers can complete a Multibanco payment in three ways:

Online banking: A bank transfer through the customer’s internet banking.
ATM payment: The customer receives a payment reference and pays it at any Multibanco ATM.
Mobile banking: A payment in the customer’s banking app.

How ATM Payment Works

For an ATM payment, the customer receives a payment reference like this one:

Entity: 12345
Reference: 123 456 789
Amount: €50.00

The customer pays with this reference at any Portuguese ATM or through online banking. The reference is valid for a limited time, which is shown to the customer with the reference.

Configuration

To offer Multibanco, include multibanco and bill in EUR:

// `client` is an initialized DodoPayments client.
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'pdt_123', quantity: 1 }],
  allowed_payment_method_types: ['multibanco', 'credit', 'debit'],
  billing_currency: 'EUR',
  billing_address: {
    country: 'PT',
    zipcode: '1000-001'
  },
  return_url: 'https://example.com/success'
});

A Multibanco ATM payment completes when the customer pays the reference, which can be well after checkout. Use webhooks to learn when the payment is confirmed.

BLIK (Poland)

BLIK is Poland’s most popular mobile payment method. The customer pays with a one-time 6-digit code that they generate in their banking app. BLIK payments are billed in PLN (Polish złoty), not EUR.

How It Works

The customer generates a code in their banking app, enters it at checkout, and approves the payment in the app:

Availability

Billing currency: PLN only
Transaction type: One-time payments only. BLIK isn’t offered for subscriptions.
Coverage: All major Polish banks that support BLIK

Configuration

To offer BLIK, include blik and set billing_currency to PLN:

// `client` is an initialized DodoPayments client.
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'pdt_123', quantity: 1 }],
  allowed_payment_method_types: ['blik', 'credit', 'debit'],
  billing_currency: 'PLN',
  billing_address: {
    country: 'PL',
    zipcode: '00-001'
  },
  return_url: 'https://example.com/success'
});

BLIK requires a PLN billing currency, and Dodo Payments bills in PLN only when Adaptive Currency is enabled. Enable Adaptive Currency so Polish customers are billed in PLN and BLIK becomes available.

SEPA Direct Debit (Eurozone)

SEPA Direct Debit lets customers in the Eurozone pay from their bank account instead of a card. It’s offered on EUR checkouts, for both one-time payments and subscriptions, when the billing country is Austria, Belgium, Estonia, Finland, France, Germany, Ireland, Italy, Latvia, Lithuania, the Netherlands, Portugal, Slovakia, or Spain.

SEPA Direct Debit isn’t instant. A payment takes up to 6 business days to confirm. Unlike a card payment, the customer’s authorization at checkout doesn’t mean the money has cleared. Don’t fulfill the order on the checkout redirect or on payment.processing. Wait for the payment.succeeded webhook.

How It Works

The customer authorizes the debit at checkout, and Dodo Payments then collects the funds from their bank account. The bank clears the debit asynchronously, so the payment stays in the processing state until it reaches a final outcome:

Payment Timeline

A SEPA payment moves through these stages:

Stage	When	Payment status	What it means
Authorization	At checkout	`processing`	The customer approved the debit and was redirected back. The money has not moved yet, so don’t fulfill.
Confirmation	Up to 6 business days later	`succeeded`	The bank cleared the debit. Fulfill the order now.
Failure	Up to 6 business days later	`failed`	The debit couldn’t be collected, for example because of insufficient funds. Don’t fulfill, and notify the customer.

Confirmation arrives days after the customer leaves your site, so your webhook handler, not the checkout redirect, must grant access. See Handling the Confirmation Delay.

Availability

Billing currency: EUR
Transaction type: One-time payments and subscriptions

Configuration

To offer SEPA Direct Debit, include sepa and bill in EUR:

// `client` is an initialized DodoPayments client.
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'pdt_123', quantity: 1 }],
  allowed_payment_method_types: ['sepa', 'credit', 'debit'],
  billing_currency: 'EUR',
  billing_address: {
    country: 'DE',
    zipcode: '10115'
  },
  return_url: 'https://example.com/success'
});

SEPA Test IBANs

In test mode, enter one of these IBANs at checkout to force a specific outcome:

Test IBAN	Behavior
`DE89370400440532013000`	The payment succeeds.
`DE08370400440532013003`	The payment succeeds after a delay of at least three minutes.
`DE62370400440532013001`	The payment fails.
`DE78370400440532013004`	The payment fails after a delay of at least three minutes.
`DE35370400440532013002`	The payment succeeds, then is immediately disputed.
`DE65370400440002222227`	The payment fails due to insufficient funds.
`DE18370400440000066666`	The bank account is unusable, so the payment method can’t be created.

To test country-specific behavior, use the success IBAN for another Eurozone country:

Country	Success IBAN
Austria	`AT611904300234573201`
Belgium	`BE62510007547061`
Estonia	`EE382200221020145685`
Finland	`FI2112345600000785`
France	`FR1420041010050500013M02606`
Ireland	`IE29AIBK93115212345678`
Luxembourg	`LU280019400644750000`

Use the delayed test IBANs to confirm that your webhook handler, not the checkout redirect, grants access. SEPA payments confirm long after the customer leaves checkout.

Handling the Confirmation Delay

SEPA settles up to 6 business days after checkout, so the browser redirect can’t tell you whether a payment cleared. Drive fulfillment from webhook events instead. Switch on the event type and handle each stage:

Event Type	When it fires	What to do
`payment.processing`	The customer authorized the debit at checkout and was redirected back.	Don’t fulfill. Mark the order pending. Optionally, tell the customer that their payment is processing.
`payment.succeeded`	The bank cleared the debit, up to 6 business days later.	Fulfill the order: grant access, provision the product, and send the receipt.
`payment.failed`	The debit couldn’t be collected.	Notify the customer and prompt a retry. Don’t fulfill.

Fulfill on payment.succeeded from the webhook, not on the checkout redirect or on payment.processing. The redirect happens as soon as the customer authorizes the debit, days before the money clears.

The following Express handler verifies each event’s signature with client.webhooks.unwrap before it acts on the event. For endpoint setup, see the Webhooks guide. For every event, see the Webhook Event Guide.

Handling SEPA payment events

import express from 'express';
import DodoPayments from 'dodopayments';

const client = new DodoPayments({
  bearerToken: process.env.DODO_PAYMENTS_API_KEY,
  webhookKey: process.env.DODO_PAYMENTS_WEBHOOK_KEY,
});
const app = express();

// markOrderPending, fulfillOrder, and markOrderFailed are your own order functions.
app.post('/webhooks/dodo', express.raw({ type: 'application/json' }), async (req, res) => {
  let event;
  try {
    // Checks the webhook-id, webhook-signature, and webhook-timestamp headers.
    event = client.webhooks.unwrap(req.body.toString(), { headers: req.headers });
  } catch {
    return res.status(400).send('Invalid signature');
  }

  switch (event.type) {
    case 'payment.processing': {
      // SEPA debit authorized but NOT settled. This can last up to 6 business days.
      // Record the order as pending; do not grant access yet.
      await markOrderPending(event.data.payment_id);
      break;
    }
    case 'payment.succeeded': {
      // The debit cleared, so it's safe to fulfill now.
      await fulfillOrder(event.data.payment_id);
      break;
    }
    case 'payment.failed': {
      // The debit could not be collected (for example, insufficient funds).
      await markOrderFailed(event.data.payment_id);
      // Notify the customer and prompt a retry.
      break;
    }
  }

  res.json({ received: true });
});

Set customer expectations at checkout. Access is granted only after the debit clears, so tell SEPA customers that their order is processing and that you’ll notify them when the payment confirms. Otherwise, they may expect immediate access, as with a card payment.

Satispay (Europe)

Satispay is a European mobile payment network with its largest user base in Italy. Customers pay from the Satispay app without sharing card or bank details. Satispay payments are billed in EUR.

Features

App-based payments that don’t depend on card networks
Strong adoption in Italy, and growing use in other European markets
Support for both one-time payments and subscriptions

Availability

Billing currency: EUR
Transaction type: One-time payments and subscriptions
Amount: From €0.50 to €999,999.99 per payment

Configuration

To offer Satispay, include satispay and bill in EUR:

// `client` is an initialized DodoPayments client.
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'pdt_123', quantity: 1 }],
  allowed_payment_method_types: ['satispay', 'credit', 'debit'],
  billing_currency: 'EUR',
  billing_address: {
    country: 'IT',
    zipcode: '00100'
  },
  return_url: 'https://example.com/success'
});

API Method Types

Pass these values in allowed_payment_method_types:

Type	Method	Country
`ideal`	iDEAL	Netherlands
`bancontact_card`	Bancontact	Belgium
`eps`	EPS	Austria
`multibanco`	Multibanco	Portugal
`blik`	BLIK	Poland
`sepa`	SEPA Direct Debit	Eurozone
`satispay`	Satispay	Europe (Italy)

Multi-Country European Checkout

To sell in several European countries, include every regional method, plus cards as a fallback:

// `client` is an initialized DodoPayments client.
const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'pdt_123', quantity: 1 }],
  allowed_payment_method_types: [
    'ideal',           // Netherlands
    'bancontact_card', // Belgium
    'eps',             // Austria
    'multibanco',      // Portugal
    'blik',            // Poland (requires PLN billing currency)
    'sepa',            // Eurozone (one-time payments and subscriptions)
    'satispay',        // Europe / Italy
    'credit',          // Fallback
    'debit'            // Fallback
  ],
  billing_currency: 'EUR',
  return_url: 'https://example.com/success'
});

Dodo Payments shows each customer only the methods that match their billing country and currency. A Dutch customer sees iDEAL, and a Belgian customer sees Bancontact. This session bills in EUR, so BLIK doesn’t appear.

Testing

You can test European payment methods in test mode. The test flow simulates the bank authentication step.

SEPA Direct Debit uses a different test flow. Instead of a simulated bank flow, you enter a test IBAN directly. See SEPA Test IBANs.

Multibanco also uses a different test flow. Checkout shows a voucher instead of a bank flow, and the email you enter decides the result. See Multibanco Test Emails.

Enable Test Mode

Turn off the Live Mode switch in the dashboard sidebar, and use API keys created in test mode.

Set Appropriate Billing Address

Set the billing address country to match the payment method:

NL for iDEAL
BE for Bancontact
AT for EPS
PT for Multibanco
PL for BLIK (with PLN billing currency)
IT for Satispay

Complete the Test Flow

Follow the simulated bank authentication flow in test mode.

Multibanco Test Emails

After you click Pay, checkout shows a Multibanco voucher. In test mode, the email you enter decides the result:

Email	Result
Any email, for example `jenny@example.com`	Payment succeeds after about 3 minutes.
`succeed_immediately@example.com`	Payment succeeds within a few seconds.
`expire_immediately@example.com`	Payment fails within a few seconds.
`expire_with_delay@example.com`	Payment fails after about 3 minutes.
`fill_never@example.com`	Payment never completes.

To see the success page, use succeed_immediately@example.com, wait a few seconds, and tap Done.

Best Practices

Always include regional methods for target markets

If you sell to Dutch customers, include iDEAL. Leaving it out is like not accepting Visa in the US: you lose a significant share of sales.

Match currency to region

Most European payment methods require EUR, so make sure your pricing supports EUR transactions. The one exception is BLIK, which is offered only with PLN (Polish złoty) billing.

Handle redirects gracefully

Most European methods redirect the customer to their bank or payment app. Make sure your return URL handling works for customers who abandon the flow midway.

Provide card fallbacks

Not every customer in Europe can use these regional methods, for example tourists and expats. Include credit and debit as fallbacks. If no method is available, the checkout session fails.

Consider Multibanco timing

A Multibanco ATM payment can take hours to complete. Don’t block fulfillment on immediate payment. Use webhooks for asynchronous confirmation.

Account for the SEPA 6-day delay

SEPA Direct Debit takes up to 6 business days to confirm. Don’t fulfill on the checkout redirect or on payment.processing. Grant access only from the payment.succeeded webhook, and tell customers at checkout that their order is pending. See Handling the Confirmation Delay.

Troubleshooting

European method not appearing

Check:

Does the customer’s billing country match the method’s country?
Is the billing currency EUR, or PLN for BLIK?
Is the method included in allowed_payment_method_types?
Is the checkout for a one-time payment? iDEAL, Bancontact, EPS, Multibanco, and BLIK aren’t offered for subscriptions.

Solution: Country-specific methods appear only for their own country. A customer with billing country DE (Germany) doesn’t see iDEAL, which is Netherlands-only.

Bank authentication failed

Causes:

The customer cancelled during bank authentication.
The bank’s authentication system was temporarily unavailable.
The customer entered incorrect credentials.

Solution: The customer should retry. If the failure persists, suggest a different payment method.

Redirect not completing

Causes:

The customer closed the browser during the bank redirect.
A network issue interrupted authentication.
The return URL is misconfigured.

Solution: Check that your return URL is correct and reachable, and that it handles both success and failure states.

Multibanco payment pending

Cause: The customer received a payment reference but hasn’t paid yet.Solution: This is expected for ATM payments. Wait for the webhook confirmation. The reference expires after the limited time shown to the customer.

SEPA payment stuck in processing

Cause: SEPA Direct Debit clears asynchronously through the customer’s bank.Solution: This is expected. A payment.processing state can last up to 6 business days before the debit clears. Wait for the final payment.succeeded webhook (fulfill) or payment.failed webhook (don’t fulfill). Don’t treat the checkout redirect as confirmation. See Handling the Confirmation Delay.

Payment Methods Overview

See all supported payment methods.

Adaptive Currency

Currency support and automatic conversion.

Checkout Guide

Complete checkout implementation guide.

Webhooks

Handle payment confirmations asynchronously.

​Why Local European Payment Methods?

Higher Conversion

Bank Authentication

Real-Time Settlement

​Supported Methods

​iDEAL (Netherlands)

​How It Works

​Supported Banks

​Configuration

​Bancontact (Belgium)

​Features

​Configuration

​EPS (Austria)

​Features

​Supported Banks

​Configuration

​Multibanco (Portugal)

​Payment Options

​How ATM Payment Works

​Configuration

​BLIK (Poland)

​How It Works

​Availability

​Configuration

​SEPA Direct Debit (Eurozone)

​How It Works

​Payment Timeline

​Availability

​Configuration

​SEPA Test IBANs

​Handling the Confirmation Delay

​Satispay (Europe)

​Features

​Availability

​Configuration

​API Method Types

​Multi-Country European Checkout

​Testing

​Multibanco Test Emails

​Best Practices

​Troubleshooting

​Related Pages

Payment Methods Overview

Adaptive Currency

Checkout Guide

Webhooks

Why Local European Payment Methods?

Supported Methods

iDEAL (Netherlands)

How It Works

Supported Banks

Configuration

Bancontact (Belgium)

Features

Configuration

EPS (Austria)

Features

Supported Banks

Configuration

Multibanco (Portugal)

Payment Options

How ATM Payment Works

Configuration

BLIK (Poland)

How It Works

Availability

Configuration

SEPA Direct Debit (Eurozone)

How It Works

Payment Timeline

Availability

Configuration

SEPA Test IBANs

Handling the Confirmation Delay

Satispay (Europe)

Features

Availability

Configuration

API Method Types

Multi-Country European Checkout

Testing

Multibanco Test Emails

Best Practices

Troubleshooting

Related Pages