Pay After Delivery is MultiSafepay's BNPL method that allows customers to pay for orders in 3 equal installments within a period of time.

Read more on how installment payments can benefit your business on multisafepay.com

Payment flow

This diagram shows the flow of a successful transaction. Click to magnify.

Payment statuses

The table below sets out the order status and transaction status for payments and refunds.

Activation

1. Email a request to [email protected]
   We check your eligibility and if approved, activate the payment method for your account.
2. Once approved, to activate the method in your dashboard, sign in to your MultiSafepay dashboard .
3. To activate the payment method for:

• All sites, go to Settings > Payment methods.
• A specific site, go to Sites, and then click the relevant site.

4. Select the checkbox for the payment method, and then click Save changes.

💬 Support: If the payment method isn't visible in your dashboard, email [email protected]

Integration

API

See API reference – Create order > BNPL order.

Example requests

For example requests, on the Create order page, in the black sandbox, see Examples > Pay After Delivery direct/redirect.

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A shopping_cart object is required for all BNPL orders. See Recipes – Include shopping_cart in order .

Ready-made integrations

Supported in all ready-made integrations (direct and redirect).

Testing

See Testing – BNPL methods.

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User guide

Addresses

The customer's billing and shipping addresses must be the same to prevent fraud.

Amount limits

Minimum and maximum order amounts apply. Email [email protected]

Cancellation

You can cancel the invoice order before shipment or after partial shipment.

How to cancel an order

In your dashboard

1. Sign in to your MultiSafepay dashboard .
2. Go to Transactions > Transaction overview, and then click the relevant transaction.
3. On the Transaction details page, click Cancel.
4. Add a description of what happened with the order, and then click Complete.
   The order status changes to Void and the transaction status to Cancelled.

Collection flow

• The collection only starts when the customer pays installment 1 of the order.
• MultiSafepay sends the customer an invoice for the second installment after installment first payment is made. The second installment is due within 30 days.  
• MultiSafepay sends reminders to the customer 5 days before and on the day of each installment due.
• If the customer fails to pay within 14 days of overdue installments, MultiSafepay sends reminders of their obligation to pay with an added fee per the Wet Incasso Kosten (WIK).
• The customer can contact MultiSafepay if there is an issue with the payment.
• If the customer still fails to pay, MultiSafepay sends the invoice to a debt collector.
• If necessary, you can delay the collection flow by placing the transaction on hold.

How to delay the collection flow

Email a request to place the transaction on hold to [email protected]

Provide the following information:

• Transaction details
• Reason for your request
• When you expect to re-start the collection flow

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Customer pays you directly

If the customer pays you directly instead of MultiSafepay, you need to pay MultiSafepay the order amount from your account balance in order to complete the order. As a result, MultiSafepay can't send an invoice or reminder to the customer.

If you do so:

• After MultiSafepay has paid you out, we will refund the order amount.
• Before MultiSafepay has paid you out, we cancel the payout of the order.

After you have paid for an order from your account, you can no longer refund transaction. You can perform a manual refund from your account. Once the transaction status changes to Completed, MultiSafepay's collection flow stops, and the customer no longer pays us.

How to complete an order with your own funds

1. Sign in to your MultiSafepay dashboard .
2. Go to Transactions > Transaction overview, and then select the relevant transaction.
3. On the Transaction details page, click Complete own funds.
4. Add a description of what happened with the order, and then click Complete.
   The transaction status changes to Completed.

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Expiration and extensions

The default expiration period for an invoice order is 14 days after it was created. If the order is not at least partially shipped within this period, it is cancelled and refunded.

After the first partial shipment, the expiration period is reduced. You have 14 days to ship the remaining items, or the order expires. The capture period can be extended twice, each by 14 days. After partial shipment, you have 58 days to ship an order.

If an order can't be shipped within 14 days and you do not want to cancel the order, you can extend the expiration period to a maximum of 21 days. After this time, the order is cancelled and refunded. 

After an order expires, the expiration period cannot be extended.

How to extend an order

In your dashboard

1. Sign in to your MultiSafepay dashboard .
2. Go to Transactions > Transaction overview, and then click the relevant transaction.
3. On the Transaction details page, click Extend.
   While extended, the order status remains Completed and the transaction status remains Uncleared.

Via API

See API reference – Put PAD order on hold.

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Payment methods

Customers pay MultiSafepay via iDEAL.

Refunds

After shipment, the invoice order can be refunded fully or partially.

About partial refunds

For partial refunds:

Amount paid	Outcome
Equal to new order amount	The order is completed.
Less than new order amount	The order is updated.
More than new order amount	The order is completed and the outstanding amount refunded.

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How to refund an order

In your dashboard

1. Sign in to your MultiSafepay dashboard .
2. Go to Transactions > Transaction overview, and then click the relevant transaction.
3. On the Transaction details page, click Refund order.
4. In the Reason / Description field, enter the reason for the refund or a description of what happened with the order, and then click Complete.
5. In the Comment field, enter any additional information.
6. In the Amount fields, enter the amount to refund.
7. Click Continue.
8. Review the Refund confirmation, and then click Confirm.

Via the API

See API reference – Refund order.

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Shipment

• Share the track & trace details with the customer and MultiSafepay, if relevant.
• You can ship orders in full or in multiple parts. See Partially ship order below.
• You must update the order status to Shipped within 14 days, or otherwise the order expires. See Update the order status below.
• You must comply with relevant shipping policies.

Partially ship order

How to partially ship an order

If you cannot ship all the items for an order at the same time, you can ship the order in multiple parts.

See API reference – Update or cancel order > Ship order.

Collection flow

MultiSafepay begins the collection flow after at least 1 partial shipment if all other items from the order are cancelled.

MultiSafepay does not invoice partial shipment amounts separately. We invoice the total outstanding amount.

Expiration

After the first partial shipment, you have 14 days to ship the remaining items, or the order expires.

Installments

Partial shipment is supported for installments orders.

Integration

A unique shipment order_id is generated for each partial shipment.

See API reference – Update or cancel order > Ship order.

Notifications

You receive a webhook notification when the order status of each partial shipment changes to Shipped.

The status of the main transaction never changes to Completed. It remains Initialized, with a flag.

Refunds

You must must refund partial shipments separately, using the specific shipment order_id, instead of the original invoice order_id.

See API reference – Refund order.

⚠️ Note: To partially ship an order, email a request to [email protected]

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Update the order status

How to update the order status

When you ship the order, you must update the order status via the dashboard or your integration from Completed to Shipped to receive your payout, and to prevent the order from expiring.

In your dashboard

1. Sign in to your MultiSafepay dashboard .
2. Go to Transactions > Transactions overview, and then click the relevant transaction.
3. On the Transaction details page, under Order details, click Change order status.
4. From the Change status to list, select Shipped.
5. In the Memo field, enter a comment.
6. Click OK.

In your backend

If you change the order status in your backend, the following ready-made integrations pass the updated status to your dashboard automatically:

• Magento 2 and WooCommerce: When you set the order to Shipped in your backend.
• Shopware 5: When you set the order to Delivered in your backend.

For other ready-made integrations, make an update order API request.

⚠️ Note: Some third-party plugins may not support updating the status via our API.

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Shipping policies

You must read the following shipping policies:

• MultiFactor shipping policies
• Shipping policy Nederland
• Herinnering aan onze shipping policy

❗️ Failure to comply with these policies can impact on prefinancing and MultiSafepay's settlement guarantee.

Surcharges

Due to changes to the Wet op het consumentenkrediet, merchants who apply surcharges to BNPL methods are now deemed credit providers under article 7:57 of the Burgerlijk Wetboek. This requires a permit from the Authority for Financial Markets (AFM).

We therefore strongly recommend not applying surcharges to Pay After Delivery.

For more information, email [email protected]

Terms and conditions

• Direct flow: You must display our terms and conditions in your checkout.
• Redirect flow: MultiSafepay terms and conditions are displayed by default on payment pages.
• By placing an order, you agree to all terms and conditions of Pay After Delivery including MultiFactor payment terms, and privacy policy. 

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