About payments

Activating payment methods

You can enable payment methods yourself in your dashboard, but for some you need to apply to MultiSafepay first. Other methods with specific requirements follow their own activation flow.

Activation flow Payment methods
Apply to MultiSafepay Cards and wallets (except PayPal),
Dotpay, in3, Pay After Delivery,
SEPA Direct Debit
Enable in dashboard Banking methods, E-Invoicing
Own flow …
Payment statuses

There are two statuses for each payment that update as it is processed.

In your MultiSafepay dashboard, go to Transaction overview, and then select the relevant transaction to open the Transaction details page. Under Status history, you can see the order status and transaction status:

Order status

Changes as the customer’s order with you progresses towards shipment (independent of payment). …

Uncleared credit card payments

If the transaction status of a credit card payment is Uncleared, it means that MultiSafepay’s automated fraud filter has placed the payment on hold. The fraud filter detects increased risk of fraud, but doesn’t prevent all fraudulent payments. Not every payment the filter places on hold is necessarily fraudulent.

There are risks associated with accepting credit card payments. You bear …

Shipping pay later orders

For pay later methods, you must manually change the order status from Completed to Shipped. This triggers the payment method to invoice the customer and transfer the funds to MultiSafepay. It also prevents the order from expiring.

In your MultiSafepay dashboard

To change the order status in your MultiSafepay dashboard, follow these steps:

  1. Sign in to your MultiSafepay dashboard.
  2. Go to Transactions …
Check this page regularly for updates on implementing the PSD2 directive.
Attention Dutch merchants
Due to changes to the Wet op het consumentenkrediet, merchants who apply surcharges to pay later 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 …
Payment methods by country

View the payment methods supported for different countries:

Country Payment method
Austria EPS, Klarna, Sofort, Trustly
Belgium AfterPay, Bancontact, Belfius, CBC/KBC, Edenred, Gift cards, Klarna, Sofort, Trustly
Bulgaria Trustly
Croatia Trustly
Cyprus Trustly
Czech Republic Trustly, TrustPay
Denmark Dankort, Klarna, Trustly
Estonia Trustly
Europe (SEPA area) Bank Transfer, …
Credit card errors

This page sets out reason codes for common credit card errors returned by issuers and recommended actions to take.

Only the cardholder can contact the issuer to find out the specific reason.

If the issue can’t be resolved, ask the cardholder for another card number, or to use a different payment method.

01: Refer to card issuer

The issuer wants to check the transaction.

Cardholder: Contact …

Declined credit card payments

This page sets out possible reasons why a credit card payment was declined.

Only the cardholder can contact the issuer to find out the specific reason.

Declined by MultiSafepay

Our automated fraud filter flagged the transaction as probably fraudulent.

Email [email protected]

Do not honor

The issuer declined the transaction. Ask the cardholder to contact them.

3D Secure authentication …

Your logo in customers' online banking

Displaying your logo in customers' online banking environments and applications can help improve your brand presence, recognition, and trust. This in turn helps reduce chargebacks, disputes, and friendly fraud – when customers mistakenly initiate chargebacks because they don’t recognise or trust a transaction.

Upload your logo for the card scheme to display in all participating banking …


Banks and card schemes all charge different fees to cover the operational costs of managing their network and processing credit card payments.

There are three cost components for the Interchange++ model:

  • The Interchange fee that is paid to the issuing bank
  • The scheme fee charged by Visa or Mastercard
  • The acquirer fee

These costs vary considerably depending on a range of factors, including the: …


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Other languages

For an explanation in another language, contact your account manager.