Connecting via a Partner

Depending on the collaboration between the partner and PAY., your payment solution is placed in one of the partner packages below.

The partner package you choose has no impact on the security, reliability, or processing of your payments. All payments are processed via PAY.'s secure payment infrastructure. The difference mainly lies in how the service, support, and commercial agreements are organized.

Connect

With a Connect package, your software provider or checkout system partner takes care of the integration with PAY.

You enter into an agreement with PAY. and receive your own payment account. You can easily be registered from the partner's software, after which PAY. handles onboarding, compliance checks, transaction processing, and payouts.

For questions about your software or checkout system, contact your provider. For questions about payments or your payment account, you can reach out to PAY.

Characteristics

• Directly linked to your software or checkout system
• Your own PAY. account
• Reliable payment processing
• Automatic onboarding
• Support from both the partner and PAY.
  
  

Alliance

With an Alliance package PAY. works more closely with your software provider or industry association.

The partner not only supports you with implementation but can also guide you in the daily use of the payment solution. This means you often have a single, fixed point of contact who knows both your software and your payment solution well.

Payment processing, compliance, payouts, and licensing remain entirely PAY.'s responsibility.

Characteristics

• Close collaboration between PAY. and your provider
• More personal support
• One point of contact for most questions
• Fully integrated payment solution
• Reliable processing via PAY.

Costs and invoicing

With the Alliance Package, costs aren't charged directly to you as a merchant, but to your partner. Thanks to the combined transaction volume of all connected merchants, the partner can benefit from attractive volume discounts and more competitive purchasing rates.

Your partner then determines the rates themselves and invoices you directly. This gives the partner full flexibility to offer a pricing model that fits.

If desired, your partner can use the PAY platform and the account balance (merchant balance) to automatically offset costs. This allows fees and service costs to be efficiently deducted from payouts, so separate invoicing isn't always necessary.

Fintech

The Fintech Package is designed for financial institutions and fintech parties that hold the required license(s) to offer payment services.

Although additional onboarding with PAY may be necessary in some cases to comply with laws and regulations, as a merchant you typically notice little of this. The onboarding process is integrated into the financial institution's services as much as possible.

Your primary point of contact is the financial institution you work with. They handle onboarding, provide support, and answer your questions about the service.

Rates are also determined by the financial institution. They set the commercial terms and invoice the service according to the agreements made with you.

What differences will you notice as an entrepreneur?

For most entrepreneurs, the differences are limited. Regardless of the partner package, you benefit from the same secure payment processing, payouts, and compliance.

The main differences lie in how you're supported and how tightly the payment solution is integrated into your provider's software.

The same reliable payment infrastructure

Regardless of the partner package, you use the same PAY. payment infrastructure. This includes:

• secure payment processing;
• fast payouts;
• support for dozens of payment methods;
• compliance with laws and regulations;
• a reliable and scalable payment environment.

The partner package mainly determines how the service is set up, not how your payments are processed.