ACH (Automated Clearing House) is an electronic network for financial transactions in the United States. ACH processes large volumes debit transactions in batches and works by debiting the amount of purchase directly from the Consumers bank account.
Used in the U.S. and a small portion of Canadian customers
US dollars only
Available for one-time and recurring purchases, rebills and trials
Available for one-time and recurring purchases, rebills and trials
EU Debit
This is the direct debit option which is being retired and moving to SEPA Direct Debit.
Available in Germany, Austria, and the Netherlands
EUR only
Available for one-time and recurring purchases, rebills and trials
Merchants need to be aware that there is a processing time lag with EU-Debit transactions. This means that the consumer will have full access to your site before the payment clears with the possibility that the payment could be returned.
A returned item fee will be charged for payments that are declined by the origin financial institution.
iDEAL is an e-commerce payment system used in the Netherlands, based on online banking. Introduced in 2005, this payment method allows customers to buy on the Internet using direct online transfers from their bank account.
This is a bank draft system, in which the user "sends" the funds to CCBill via their bank
Available in EU and additional countries (a total of 36 European countries)
EUR only
For one-time purchases only
No returns/chargebacks
Because consumers transfer the funds directly from their banks, there are no chargebacks and funds are available for merchants in 1-3 days (German transactions process in real-time). It is an ideal alternative payment solution for declined card transactions and offers access to a market segment that does not have or use credit and debit cards.
When a consumer uses Direct Pay as an option for payment they are given directions to sign in to their online bank accounts and transfer the funds to CCBill , or to visit their local branch in person to complete the transaction with a printable information card. Once the funds have been transferred, they receive an email with their access information.
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