European Payment Methods - Dodo Payments Documentation

European customers strongly prefer local payment methods that integrate with their banking systems. Offering these methods can increase conversion rates by 20-40% in target markets.

Why Local European Payment Methods?

Higher Conversion

iDEAL captures ~60% of Dutch online payments. Not offering it means losing customers.

Lower Fraud

Bank-authenticated payments have near-zero fraud rates and no chargebacks.

Real-Time Settlement

Most European methods provide instant payment confirmation.

Supported Methods

Method	Country	Market Share	Currency	Subscriptions
iDEAL	Netherlands	~60%	EUR	No
Bancontact	Belgium	~50%	EUR	No
EPS	Austria	~30%	EUR	No
Multibanco	Portugal	~40%	EUR	No
BLIK	Poland	~60%	PLN	No
SEPA Direct Debit	Eurozone	Widely used	EUR	No
Satispay	Europe (Italy)	Growing	EUR	Yes

iDEAL (Netherlands)

iDEAL is the dominant online payment method in the Netherlands, connecting directly to all major Dutch banks.

How It Works

Supported Banks

All major Dutch banks are supported:

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

Configuration

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, used by virtually all Belgian banks for online payments.

Features

Works with existing Belgian debit cards
Mobile app support (Payconiq by Bancontact)
Instant payment confirmation
No additional registration needed for customers

Configuration

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) enables direct online bank transfers for Austrian customers.

Features

Direct integration with Austrian banks
Real-time payment confirmation
High trust among Austrian consumers
No chargebacks

Supported Banks

Major Austrian banks including:

Erste Bank
Bank Austria
Raiffeisen
BAWAG
Volksbank

Configuration

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, offering both online payments and ATM-based payments.

Payment Options

Online Banking — Direct bank transfer via internet banking
ATM Payment — Customer receives a reference to pay at any Multibanco ATM
Mobile Banking — Payment via bank mobile apps

How ATM Payment Works

For ATM payments, customers receive a payment reference:

Entity: 12345
Reference: 123 456 789
Amount: €50.00
Expiry: 24 hours

Customer can pay at any Portuguese ATM or via online banking using this reference.

Configuration

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'
});

Multibanco ATM payments may have a delay between checkout and actual payment. Monitor webhooks for payment confirmation.

BLIK (Poland)

BLIK is Poland’s most popular mobile payment method, allowing customers to pay using a one-time 6-digit code generated in their banking app. BLIK settles in PLN (Polish Złoty), not EUR.

How It Works

Availability

Billing currency: PLN only
Transaction type: One-time payments only (not available for subscriptions)
Coverage: All major Polish banks supporting BLIK

Configuration

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. If you quote your prices in EUR, enable Adaptive Currency so Polish customers are billed in PLN and BLIK becomes available.

SEPA Direct Debit (Eurozone)

SEPA Direct Debit lets customers across the Eurozone pay directly from their bank account instead of using a card. It is offered on EUR checkouts for one-time payments.

How It Works

The customer authorizes the debit during checkout and the payment is collected from their bank account. Unlike most European methods on this page, confirmation is not immediate.

SEPA Direct Debit is not instant. A payment takes 6 business days to confirm, so do not treat authorization as settlement — fulfill only once the payment reaches a succeeded state.

Availability

Billing currency: EUR
Transaction type: One-time payments only (not available for subscriptions)

Configuration

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 the IBANs below 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 equivalent success IBAN for another Eurozone country:

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

The delayed test IBANs are useful for confirming that your webhook handler — rather than the checkout redirect — is what grants access, since SEPA payments confirm long after the customer leaves the checkout.

Satispay (Europe)

Satispay is a popular European mobile payment network, especially in Italy, that lets customers pay directly from their Satispay app without sharing card or bank details. Satispay settles in EUR.

Features

App-based payments independent of card networks
Strong adoption across Italy and growing in other European markets
Supports both one-time payments and subscriptions

Availability

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

Configuration

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

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

For businesses serving multiple European countries, include all regional methods:

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 only)
    'satispay',        // Europe / Italy
    'credit',          // Fallback
    'debit'            // Fallback
  ],
  billing_currency: 'EUR',
  return_url: 'https://example.com/success'
});

Dodo automatically shows only the relevant methods based on customer location. A Dutch customer will see iDEAL; a Belgian customer will see Bancontact.

Testing

European payment methods can be tested in Test Mode. The test flow simulates the bank authentication process.

SEPA Direct Debit is tested differently — instead of a simulated bank flow, you enter a test IBAN directly. See SEPA Test IBANs.

Enable test mode

Use your Dodo Payments test API keys.

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 the test environment.

Best Practices

Always include regional methods for target markets

If you sell to Dutch customers, include iDEAL. Not doing so is like not accepting Visa in the US — you’ll lose significant sales.

Match currency to region

Most European payment methods require EUR — ensure your pricing supports Euro transactions. The one exception is BLIK, which is offered only on PLN (Polish Złoty) billing.

Handle redirects gracefully

All European methods involve redirects to bank sites. Ensure your return URL handling is robust and accounts for users who abandon mid-flow.

Provide card fallbacks

Not all European customers have access to these regional methods (tourists, expats, etc.). Always include credit and debit as fallbacks.

Consider Multibanco timing

Multibanco ATM payments may take hours to complete. Don’t block fulfillment on immediate payment — use webhooks for async confirmation.

Troubleshooting

European method not appearing

Check:

Customer billing country matches method’s country?
Currency set to EUR?
Method included in allowed_payment_method_types?

Solution: European methods are strictly regional. A customer with billing country DE (Germany) won’t see iDEAL, which is Netherlands-only.

Bank authentication failed

Causes:

Customer cancelled during bank authentication
Bank’s authentication system temporarily unavailable
Customer entered incorrect credentials

Solution: Customer should retry. If persistent, suggest trying a different payment method.

Redirect not completing

Causes:

Customer closed browser during bank redirect
Network issues during authentication
Return URL misconfigured

Solution: Verify return URL is correct and accessible. Ensure it handles both success and failure states.

Multibanco payment pending

Cause: Customer received payment reference but hasn’t paid yet.Solution: This is expected for ATM-based payments. Wait for webhook confirmation. Reference typically expires in 24-72 hours.

PSD2 Compliance

All European payment methods comply with PSD2 (Payment Services Directive 2) regulations:

Strong Customer Authentication (SCA) — Built into the bank authentication flow
Secure Communication — All data transmitted via secure channels
Consumer Protection — Full compliance with EU consumer rights

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

Lower Fraud

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

​Availability

​Configuration

​SEPA Test IBANs

​Satispay (Europe)

​Features

​Availability

​Configuration

​API Method Types

​Multi-Country European Checkout

​Testing

​Best Practices

​Troubleshooting

​PSD2 Compliance

​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

Availability

Configuration

SEPA Test IBANs

Satispay (Europe)

Features

Availability

Configuration

API Method Types

Multi-Country European Checkout

Testing

Best Practices

Troubleshooting

PSD2 Compliance

Related Pages