What it is

Betaalplan online is a pay after delivery service offered in collaboration with Santander, that allows the customer to pay off a purchase after receiving the order, as a one-off post-payment or in monthly installments. Betaalplan emails the customer an invoice with instructions on how to fulfill the monthly payments.

Currently MultiSafepay only offers Betaalplan for the Netherlands.

How it works

The customer

Betaalplan is an online payment method that allows customers to pay for online purchases after receiving them. A special feature of post-payment is that customers are only charged for the items they keep from an order. This means that sometimes the complete customer journey also consists of a product return process. In the event of this process taking too long to verify, the collection period can be paused by placing it on hold. This can only be done via contact with Betaalplan.

  • If a transaction is not accepted by Betaalplan, it is the customer that must contact Betaalplan personally, due to privacy compliance rules.

  • When a Betaalplan transaction is uncleared, Betaalplan will authorize or decline the transaction.

When a transaction has been accepted, the risk of the merchant is assumed entirely by Betaalplan, who will contact the customer with the payment details. The customer can select the most suitable payback period and ways to fulfill the monthly payment to Betaalplan.

The Shipped status

When receiving a Betaalplan transaction, it is important to take the following steps:

Upon agreeing with an order (by actually sending the goods), the order status should be changed from completed to shipped. You can adjust the order status in the original transaction in your MultiSafepay Control via change order status (manually) or in some cases, in your ecommerce platform (automatically). Not changing the status to shipped can result in the expiration of the order.

Changing the status to shipped allows Betaalplan to initiate the billing process towards the customer. Betaalplan will guarantee the payout of the transaction.

The shipped status is therefore important for invoicing the customer and the payout of the transaction on your MultiSafepay balance.


The payout of a Betaalplan transaction will be added onto your MultiSafepay Control once received from Betaalplan. MultiSafepay will process the payout from a Betaalplan transaction within 5 business days.

Transaction flow

The transaction flow shows the different ways a transaction can be processed. This differs per payment method.

  • Order status
    The order status indicates the status of the order, such as completed, pending or rejected. The order status is independent of the incoming or outgoing payment of the transaction.

  • Transaction status
    The transaction status indicates the payment status of the transaction, such as completed, pending or rejected. Once the transaction status is completed, the amount of the transaction is added to your MultiSafepay balance.

Order Status Transaction Status Description
Uncleared Uncleared When a Betaalplan transaction is marked with the status uncleared, Betaalplan will authorize or decline the transaction. No action is required.
Uncleared Initialized A payment has been initiated, but no payment has been received yet.
Completed Uncleared A successful Betaalplan transaction has been received.
Shipped Uncleared A Capture has been send to Betaalplan, the transaction has been confirmed. An invoice will be send to the customer and your payout is guaranteed.
Shipped Completed Payout of a Betaalplan transaction has been received and added to your MultiSafepay Control balance.
Declined Declined Transaction has been rejected by Betaalplan. Behind the declined status in your MultiSafepay Control, the reason of rejection is shown.
Void Cancelled Transaction has been cancelled.
Expired Expired When no action is being taken when receiving a transaction with the payment method Betaalplan, the transaction will automatically expire.

Refund flow

Order Status Transaction Status Description
Reserved Reserved A refund has been requested.
Completed Completed Refund has been successfully processed.

The full API reference for Betaalplan can be found here.

Product rules

Some rules may apply to certain payment methods. For Betaalplan, the following rules apply:

  • Refunding more than the stated amount of the original transaction is not possible with Betaalplan. More information is available on our refund more than original amount page

  • Successful Betaalplan transactions have no expiring date regarding refunding, as long as the receiving bank is able to process the refund

  • Payments done through Betaalplan are processed in Euros (EUR)

  • As a rule of thumb, post-payment methods do not allow the use of a giftcard by a customer when filling in the payment details (after the order has already been placed). This has to do with the accuracy of the order specifications, needed by the collecting party (i.e. Betaalplan). Our platform would otherwise interpret the giftcard as a discount (which is not present in the shopping cart specification) and would not reflect the right order information needed, for example, for taxation purposes. However, using giftcards for post-payment can be implemented as an option before placing the order (i.e. on your checkout page, before calling our API). It is the merchant’s sole responsibility to enable this feature. Failing to comply with this product rule might result in unexpected errors and unwanted complications

  • As a post-payment method, Betaalplan has a different payment flow and therefore the setting of days or seconds active will have no influence.

  • As an overarching rule for post-payment methods, both first name and last name for the customer details need to be at least 2 characters long. This also applies for the delivery details. Please note that failing to do so might result in unexpected errors. Given the nature of this payment method, we recommend you to always require full names (not initials, abbreviations, acronyms).

Full documentation can be found on our lifetime of a payment link FAQ page.


Please check your eligibility with your MultiSafepay account manager before applying for this payment method.

Qualification criteria of Betaalplan and MultiSafepay

In order to be able to offer Betaalplan as a payment method within MultiSafepay Control, certain criteria need to be met.

Only the following merchants are eligible for Betaalplan:

  1. Organizations with a Dutch Chamber of Commerce registration (no exceptions possible)
  2. Organization yearly turnover >€500.000 (lower yearly turnover is possible upon agreement with Santander)
  3. Selling goods and/or services to European citizens with a residence/ delivery address in Netherlands (no exceptions possible)
  4. Betaalplan is available for orders from €250, with a maximum of €1000 per customer.
  • In addition to Betaalplan’s eligibility criteria, it is also required that the merchant is able to connect to MultiSafepay through the available connection methods (API and plugins - see overview).

Enable Betaalplan as payment method

Enabling Betaalplaan as a payment method depends on your current connection. We advise you to first contact your MultiSafepay account manager to check whether a connection with MultiSafepay and Santander is possible.

An account with MultiSafepay, but not with Santander

If you already have a MultiSafepay account and would like to apply for this payment method, please contact your account manager. After the eligibility check, your account manager will begin the application with Santander on your behalf.

No account with MultiSafepay and Santander

We advise you to first open an account with MultiSafepay if you do not yet have an account with either of us. MultiSafepay will submit the application for Betaalplan at Santander during the screening process of your account at MultiSafepay.

An account with Santander, but not with MultiSafepay

Apply for MultiSafepay Control online or contact our sales department for further information. In case Santander already has an active working relation with a merchant for any of their other products, such merchant is considered to be a client of Santander.

Currently Betaalplan online is only supported by MultiSafepay.

Request refund

A Betaalplan transaction can be either fully or partially refunded in MultiSafepay Control.

In both cases, the amount will be refunded only if there is an initial payment linked to the transaction. Otherwise, only a credit on the invoice will take place.

Full or partial transaction refund

Please follow these steps to refund a Betaalplan transaction:

  1. Login into your MultiSafepay Control
  2. Select _transaction -> transaction overview
  3. Find the transaction through search
  4. Open transaction
  5. Select refund
  6. Fill in the amount that you want to refund to the customer
  7. Confirm the refund.
  • The transaction status is now initialized. As long as the transaction status is marked as initialized, the refund can be cancelled. When the transaction status is marked as completed, the refund is processed correctly. The customer will receive the refund to the bank account number in which the transaction was originally paid to, within the next business day

  • The amount is deducted from the transaction. The refund will always be linked to the original transaction

  • In most plugins you can also refund. See the Plugin FAQ for more information

  • Once the refund is confirmed, there is no possibility to reverse the refund

A refund will only be processed if the balance on your MultiSafepay Control is sufficient.