Billwerk+ Optimize supports two types of payments:

• One-off payments · single payment for a given service or goods.
  If you have a web shop, you use one-off payments when customers make a purchase.
• Recurring payments · payments deducted automatically at a regular interval.
  If you run a subscription-based business, you will need recurring payments.

Many businesses use a combination of the two types of payments:

• Customers may pay a monthly base fee to get certain benefits like free shipping (Recurring),
• but can buy goods and services in a web shop (One-off).

The Billwerk+ Payments Platform support one-off payments, recurring payments as well as a combination of the two.

Payment Window

In a one-off payment scenario, where no stored customer payment method will be used, you will need a payment window, where the customer can see the purchase amount and enter the payment details.

Billwerk+ Payments Checkout solves this with the charge session type.

It is a secure payment window which can be integrated directly on your website.

Billwerk+ Payments Checkout supports multiple methods of payments:

• debit cards
• credits cards
• and other payment schemes (MobilePay, Viabill).

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Note

For added security you can have strong customer authentication by the use of 3D Secure and Secured by Nets. Here the customer will go through a flow to authenticate using a strong authentication mechanism. E.g. NemID or a one-time code via SMS before the payment is approved.

Reusable payment method

If you get recurring payments, or you would like to store the customer payment details for later one-off payments, a reusable payment method needs to be stored.

Billwerk+ Payments Checkout solves this with the recurring session type:

• The customer is redirected to a payment window for entering payment method details to be saved
• The reusable payment method can be used as a payment method when creating subscriptions or as a payment method for one-off payments.
• Strong customer authentication by the use of 3D Secure and Secured by Nets is also possible as verification before storing the payment method.

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Note

A reusable payment method can also be created at the same time a one-off payment is performed in Checkout.

An example of this usage could be a combined one-off payment and subscription sign-up. A payment is performed and a reusable payment method is returned that can be used when creating a subscription.