You want to sell your digital products with elopage and know more about the payment methods we offer? Then here's an overview of all available payment methods, payment providers, transfer limits and payment security. Please be aware that not all payment methods and plans (e.g. subscription or installment payment) are equally suitable for all target groups and products.
Secure payment methods
As mentioned above, there are some regulations protecting consumer rights that may affect your cancellation and chargeback rates. Credit card payments, for instance, can be charged back by your customers up to 120 days after a successful transfer and according product delivery, irrespective of an expired cancellation period.
Cases in which customers would exercise their rights are:
- Product has not been delivered
- Product doesn't match the description
- Fraud activities
Thanks to 3D-Secure (3DS), an authentication process in effect since January 2021, credit card payments have become less susceptible to fraud.
||Security level||Customer's chargeback options||Seller's approval?|
|Bankwire||high||Via transfer refund request by customer's bank||Yes|
|Sofortüberweisung (instant transfer)||high||Via transfer refund request by customer's bank||Yes|
|Credit or debit card with 3DS (within EU)||high||None||n/a|
|Credit or debit card without 3DS (esp. non-EU)||medium||
Customers can initiate a chargeback based on fraud suspicion up to 120 days after payment.
Customers may be asked to provide proof. Customer's credit card provider or bank ultimately decides.
Only in some cases.
Customers can initiate a >>dispute up to 180 days after payment.
If the dispute is not solved within the next 20 days, customers can request >>buyer protection by PayPal and the provider will decide.
Sellers are required to get in touch with their customers and settle the issue amicably (as far as possible). Customers may be asked to provide proof. PayPal ultimately decides.
|SEPA direct debit||low||
Customers can initiate a chargeback via online banking or their bank up to 8 weeks after payment (if the your customer's account doesn't show a refund transfer).
Payment methods with elopage
|Payment method||Payment provider||Please note||Fees|
|Credit & debit card (Visa, Mastercard & Maestro)||
|Payments are received on your elopage PLUS account.|
|Stripe||Payments are received on your Stripe account (credit and debit card payments must be activated).||
>>Stripe transfer fee (not included in elopage fees)
|PayPal||Payments are received on your PayPal business account.||>>PayPal transfer fees (not included in elopage fee)|
SEPA direct debit
Payments are received on your Stripe account (SEPA direct debit payments must be activated).
|>>Stripe transfer fees (not included in elopage fee)|
Sofortüberweisung (instant transfer)
|Payments are received on your elopage PLUS account.||>>Transfer & service fee|
|elopage PLUS||Payments are received on your elopage PLUS account.||>>Transfer & service fee|
|Stripe||Payments are received on your Stripe account (>>Przelewy24 must be activated).||>>Stripe transfer fees (not included in elopage fee)|
Apple Pay & Google Pay
|Stripe||Payments are received on your Stripe account (Apple Pay and/or Google Pay must be activated).||>>Stripe transfer fees (not included in elopage fee)|
All the above mentioned payments are available in reseller mode. Your payments are received on the reseller's account and you will be paid out monthly or, upon request, bi-monthly. Stipe and PayPal transfer fees are included in >>elopage fee for reseller mode.
Payment providers each have their own amount limits for transfers. For elopage LITE and PLUS you find the current amount limits below.
Credit card: 30,000 EUR/transfer
Sofortüberweisung: 15,500 EUR/transfer
SEPA direct debit: 15.000 EUR/transfer
Incoming payments: 100,000 EUR
Refunds: 2,500 EUR
Credit Card: 15,000 EUR/transfer*
*For payments of 250 EUR and higher 3DS is applied.
Sofortüberweisung: 15,000 EUR/transfer
SEPA direct debit: 15,000 EUR/transfer
Bankwire: no limit
Automatic debit with subscriptions & installment payments
The following payment methods allow automatic debit:
- Credit card
- SEPA direct debit
With the other payment methods, your customers initiate future payments via their payments manage page. They receive a reminder email 1 week prior to the next payment's due date containing the link to their payment manage page.
Your customers can find the link to their payment manage page in their customer account in "Payments" and then "Orders". For each order there is a blue options button right with the link to the manage page.
When you are a Seller* and subscriptions and installment payments are activated for your business account by PayPal (Reference Transactions via Express Checkout), payments can be debited automatically as well. PayPal requires that your revenue is min. 25,000 EUR/month.
*that is you don't sell in reseller mode
If you sell in reseller mode and want to activate PayPal Reference Transactions via Express Checkout, please contact us: >>help.elopage.com
Customer's payment options
Your customers can choose their payment method at checkout. For subscriptions an installment payments, customers can also change the payment method via their payment manage page link. For purchase on account and manually created invoices, there will be a link on the invoice.