Creditcards & debitcards
Start Accepting Credit & Debit Cards with Buckaroo
Do you want to easily accept online payments via credit cards and debit cards on your website or webshop? With Buckaroo, you ensure a fast, secure, and user-friendly payment experience for your customers. Whether it’s Visa, Mastercard, American Express, or Maestro: at Buckaroo we offer all popular payment cards. This increases convenience for your customers and improves conversion.
Debit and Credit Cards: Global Payment Convenience
Global Cards
Debit and credit cards are the most widely accepted online payment methods worldwide. The most well-known brands are:
Local Cards
In addition to the well-known brands, some countries also have popular local cards. Examples include Cartes Bancaires, Nexi, and PostePay.
Finally, there are debit cards that are currently being phased out.
This includes:
Maestro – being replaced by Debit Mastercard
VPay – being replaced by VISA Debit
With these new debit cards, it is also possible to pay online (in webshops). Both debit and credit cards are available in all Buckaroo-supported plugins, making it easy to integrate payments into your webshop.
Benefits of Buckaroo
- Globally accepted, purchases are insured for 180 to 365 days (depending on the credit card provider)
- Extra secure thanks to security tools such as 3D-Secure and SafeKey
- Integration available via Hosted Fields
- Flexible pricing
- Recurring payments with credit cards are possible
- Full transaction status visible in the Buckaroo Plaza
- Disputes are easy to manage via the disputes portal
- Easy contract management and payouts via Buckaroo
How does it work?
A debit card requires available funds before you can pay. With a credit card, that is not necessary. With Debit Mastercard and Visa Debit, the payer also has the option to use a chargeback process in case of disputes.
Accepting cards is ideal for companies with an international customer base. Thanks to Strong Customer Authentication (SCA), of which 3D-Secure is a part, credit card payments are safer than ever. Banks decide how customers confirm their payments, reducing the risk of fraud. Buckaroo strictly monitors transactions and offers a complete anti-fraud solution. With our Shield service, you can also set up your own security rules.
What is it?
With traditional debit and credit card payments, consumers need to manually enter a lot of information, such as the card number, expiration date, name, and CVV/CVC code. This can create a barrier for customers to complete their purchase. With Click to Pay, you give your customers the option to pay with just one click. All they need to do is create an account once. Registered customers no longer have to manually enter their card details at checkout; logging in is sufficient. The data is securely retrieved, making payments faster, easier, and safer. Click to Pay can also function as a 'fast check-out' payment method, where the delivery address is automatically filled in based on the information registered with the card network.
Availability
Buckaroo is one of the first PSPs in the Netherlands and Belgium to offer this innovative payment method. Click to Pay will soon be available for all Buckaroo merchants who already offer cards as a payment method online.
What are the benefits?
- Faster payments
Details are automatically filled in - Less error-prone
Details only need to be entered once. Registered customers no longer have to manually enter card details at checkout. - More secure
Buckaroo’s Click to Pay uses multiple layers of payment security to protect customer and transaction data. - Higher conversion
Because the payment process is shortened, there are fewer drop-offs, leading to higher conversion.
This innovation anticipates the upcoming transition from bank cards such as Maestro and VPAY to Mastercard and VISA Debit. As a result, Dutch consumers will soon be able to pay online easily and seamlessly with any bank card.
Hosted Fields: Secure solution for online card payments
Buckaroo's Hosted Fields is a solution that makes online card payments more secure. With this method, sensitive card details, such as the card number and expiration date, are entered directly into special, secured fields managed by Buckaroo. This means that these details never pass through the webshop’s systems, ensuring extra security and compliance with strict security standards (such as PCI DSS).
For consumers, it feels like a regular payment page, but everything is securely handled in the background, ensuring protection for both the consumer and the webshop. Buckaroo's Hosted Fields makes online card payments safer.
Sensitive information, such as card number and expiration date, is entered directly into secure fields managed by Buckaroo. As a result, this data never passes through the webshop systems, which guarantees extra security and compliance with strict security standards (such as PCI DSS). For consumers, it looks like a regular checkout page, but behind the scenes, everything is securely processed.
3D-Secure
Credit cards help prevent fraud by using additional security tools such as 3D-Secure and SafeKey. These tools verify the identity of the cardholder during online transactions. With 3D-Secure, offered by Visa (Visa Secure), Mastercard (Mastercard Identity Check) and American Express (SafeKey), an extra step is added to the payment process. This can be a one-time code via SMS or a confirmation in an app using biometric information (fingerprint or facial recognition). This reduces the chance of unauthorized payments, as only the actual cardholder can complete the verification.
New: manage disputes in the Buckaroo Plaza
New Buckaroo customers can now handle disputes directly through their Buckaroo account. This self-service portal offers 24/7 access, allowing you to manage disputes flexibly and efficiently. All relevant information and documentation are immediately available, ensuring transparency and saving time. Are you an existing customer? There is a step-by-step guide available that explains how to manage disputes in the Buckaroo Plaza.
Everything in One Convenient Overview?
All information about credit and debit cards in a clear document.
Rates for credit card transactions
For Visa, Mastercard, and Maestro, Buckaroo offers an Interchange++ model. The costs consist of three components:
- Interchange fee: A fee paid to the card-issuing parties (such as banks) to encourage the use of debit and credit cards.
- Card scheme fee: Costs for services from Visa or Mastercard, depending on the card type and region.
- Buckaroo service fee: For Buckaroo's services, such as onboarding, processing, and reporting with a standard surcharge per transaction.
Recurring payments and subscriptions
Buckaroo enables direct debit via credit cards. This solution is ideal for subscriptions or repeat purchases. With card data recognition, previous details are stored securely so no new input is needed for future payments. This increases convenience and ensures businesses don’t have to store sensitive payment information themselves.
New: Network Tokenization
With Network Tokenization, recurring debit and credit card payments continue even if a customer receives a new card. The tokens are linked to the cardholder, not the specific card. This prevents failed transactions and increases conversion. Want to know more? Read this blog.
Buckaroo is an acquirer of iDEAL, Bancontact and credit cards
Buckaroo is an acquirer for iDEAL, Bancontact and credit cards. We are responsible for connecting webshops and processing transactions between consumers and banks. For credit cards, we authorize, process, and settle payments on behalf of the webshop, including communication with networks such as Visa and Mastercard, ensuring secure and fast transactions. This way, webshops can easily accept payments without having to manage complex systems.
Start today with accepting credit and debit cards
Do you want to offer your customers a reliable and flexible payment solution? With Buckaroo, you can easily integrate credit cards and debit cards into your webshop, increasing conversion and ensuring a smooth checkout experience.
Contact us today and discover the possibilities!
