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Payment methods

Accept global and popular local payment methods with your Terminal API integration.

Using our Standalone solution?

Our Standalone solution supports credit and debit cards, and wallet payment methods.

Adyen payment terminals support popular local and global payment methods. Here we give an overview of the payment methods you can accept with a Terminal API integration:

When your shopper uses a payment method from another country, the terminal UI automatically switches to the shopper's language.

Add payment methods to your account

Our payment terminals provide out-of-the-box support for the major global credit and debit cards. To accept additional payment methods, you need to request those payment methods in the Customer Area.

  1. Log in to your Customer Area.
  2. Switch to your merchant account.
  3. Go to Account > Payment methods.
  4. Select Request payment methods.
  5. Start entering the name of the payment method, then select it from the drop-down list.
  6. Select Submit.

Credit and debit cards

We support the following credit and debit cards:

Payment method Payment type Referenced refund Unreferenced refund Chargeback Countries
Alliance Data (ADS) Credit card -white_check_mark- -white_check_mark- -white_check_mark- US
American Express Credit card -white_check_mark- -white_check_mark- -white_check_mark- International
Bancontact Debit card -white_check_mark- -white_check_mark- BE
BankAxept Debit card -white_check_mark- -white_check_mark- NO
Cartes Bancaires Credit card, Debit card -white_check_mark- -x- -white_check_mark- FR
Dankort Debit card -x- -white_check_mark- -white_check_mark- DK
Diners Credit card -white_check_mark- -white_check_mark- -white_check_mark- International
Discover Credit card -white_check_mark- -white_check_mark- -white_check_mark- International
eftpos Debit card -white_check_mark- -white_check_mark- -white_check_mark- AU
elo Credit card, Debit card -white_check_mark- -white_check_mark- -white_check_mark- BR
girocard 1 Debit card -white_check_mark- -white_check_mark- DE
Hipercard Credit card -white_check_mark- -white_check_mark- -white_check_mark- BR
Interac Debit card -x- -white_check_mark- -white_check_mark- CA
JCB Credit card, Debit card -white_check_mark- -white_check_mark- -white_check_mark- International
Maestro Debit card -white_check_mark- -white_check_mark- -white_check_mark- International
Mastercard Credit card -white_check_mark- -white_check_mark- -white_check_mark- International
UnionPay (CUP) Credit card, Debit card -white_check_mark- -white_check_mark- -white_check_mark- International
Visa Credit card -white_check_mark- -white_check_mark- -white_check_mark- International
Visa Debit Debit card -white_check_mark- -white_check_mark- -white_check_mark- International
V Pay Debit card -white_check_mark- -white_check_mark- -white_check_mark- Europe

1 On Android terminals, girocard is not supported yet. Also, be aware that girocard allows offline EMV payments even when this is not enabled for your account. Settlement is guaranteed in these cases, but your integration must be able to handle offline payments.

Not all of these cards are available in all regions. See our full Payment Methods offering for detailed information.

All credit and debit cards follow the same payment flow. You can read more about this in our make a payment documentation.

Our terminals support reading the card using either EMV chip, contactless via Near Field Communication (NFC), or magnetic swipe. If all these card entry methods fail, you can use manual keyed entry (MKE) to manually enter the card details.

The presence of the card holder is still required for MKE. Use MOTO payments if you need to support transactions where the card holder is not present.

Cardholder verification

Credit and debit cards can require a cardholder verification method (CVM) when used in a payment terminal. Verification is commonly with a personal identification number (PIN) or shopper signature. Support of all CVMs does not require any additional integration effort. For more information, see Cardholder verification methods.

Co-branded cards

Co-branded cards support multiple payment methods, usually a local card scheme for domestic payments and a global card scheme for international payments. There are also prepaid cards in combination with a global card scheme.

When the shopper presents a co-branded card, we apply rules to automatically select the most suitable payment method on the card. You can customize some of these rules, and it's always possible to manually select a payment method for a specific transaction. For details and instructions, see Card application selection.

NFC wallets

   

An NFC wallet is a mobile wallet app that lets shoppers link their credit or debit card (bank account) to the mobile wallet, and make payments with those cards through a payment service which is integrated with the app. For example, the Wallet app from Apple is integrated with the Apple Pay service. The payment terminal communicates with the mobile wallet through the near field communication (NFC) chip in the shopper's phone or smartwatch.

Adyen-supplied payment terminals support the following NFC wallet payment methods:

Payment method Payment type Referenced refund Unreferenced refund Chargeback Countries
Apple Pay NFC wallet -white_check_mark- -white_check_mark- -white_check_mark- International
Google Pay NFC wallet -white_check_mark- -white_check_mark- -white_check_mark- International
Samsung Pay NFC wallet -white_check_mark- -white_check_mark- -white_check_mark- International

Because the mobile wallet is linked to the shopper's credit or debit card, making NFC wallet payments is essentially the same as making a card payment:

  1. You initiate a payment like you usually do.
  2. The shopper presents their smartphone or smartwatch to the terminal.
  3. The shopper verifies the payment by following the prompts on their device. This usually involves entering their PIN or password, or providing biometric authentication such as a fingerprint.
  4. If the payment is successful, Approved is shown on the terminal display. In a Terminal API integration, you receive the payment result, as you would receive the result of a card payment.

NFC-enabled passes

Apart from credit and debit cards, shoppers can also keep other digital passes in their mobile wallet, such as loyalty cards, vouchers, and tickets. You can create your own NFC-enabled pass and tie this in with your loyalty program. When the shopper has your pass, you can then accept it when the shopper makes an in-store payment. See NFC-enabled passes for more information.

At the moment, we support:

  • Apple Wallet passes

QR code wallets


When shoppers have installed a QR code wallet app on their phone and linked the app to their credit or debit card (bank account), they can make in-store payments by exchanging a QR code. Either the shopper uses the app on their phone to scan the QR code shown on the terminal and then verifies the payment using the app, or the shopper launches a QR code from the wallet app on their phone, and you scan this with a barcode scanner to pass the QR code data in a payment request.
For more information, see QR code payments.

We support the following QR code wallet payment methods:

Payment method Payment type Referenced refund Unreferenced refund Chargeback Countries
Affirm 1 QR code wallet -white_check_mark- -x- US
Alipay QR code wallet -white_check_mark- -x- International
GrabPay QR code wallet -white_check_mark- 2 -x- MY, SG
PIX 1 QR code wallet -white_check_mark- 2 -x- BR
Swish QR code wallet -white_check_mark- -x- SE
TWINT 1 QR code wallet -white_check_mark- -x- CH
WeChat Pay QR code wallet -white_check_mark- -x- International
Zip 1 QR code wallet -white_check_mark- -x- AU

1 Affirm, PIX, TWINT, and Zip only support the merchant-presented flows.
2 GrabPay and PIX allow full referenced refunds, but no partial referenced refunds.

Prepaid and gift cards

Terminal API integrations support payments from gift cards issued by popular global gift card providers:

You need to complete an onboarding process with the gift card provider.

Payment method Payment type Referenced refund Unreferenced refund Chargeback Countries
Givex Gift card -white_check_mark- -white_check_mark- International
Intersolve
See the gift card overview for a selection of the gift cards that can go over this connection.
Gift card -white_check_mark- -white_check_mark- International
Stored Value Solutions (SVS) Gift card -white_check_mark- -white_check_mark- International
Fiserv (formerly ValueLink) Gift card -white_check_mark- -white_check_mark- International
VR Prepaid card -x- -x- -x- BR

In addition to accepting payments with gift cards, you can also query the balance of a gift card, load credit to the card, refund returned merchandise, provide cash back, and more.

We also support gift cards from key local gift card providers in Denmark, France, the Netherlands, Norway, Sweden, and the United Kingdom. You can process payments with these gift cards, but no other operations.

For more information, see our gift cards documentation.

Chargeback risk

A chargeback is when the issuing bank collects funds back from you on behalf of a cardholder.

Non-fraud chargebacks for point-of-sale transactions go through a dispute flow similar to that for ecommerce. Refer to Understanding and defending disputes.

Fraud chargebacks shouldn't happen for point of sale transactions that are considered secure. Whether a transaction is considered secure, depends on the card entry method and cardholder verification method (CMV) used. From highest to lowest security, this refers to:

  • EMV chip and PIN
  • EMV chip and signature
  • Magnetic swipe reader and PIN
  • Magnetic swipe reader and signature

With these secure transactions, the liability for fraud chargebacks shifts from you to the issuing bank.

The situation is quite different with point-of-sale transactions that are considered insecure:

With these insecure transactions, there is no liability shift. This means you are fully liable for fraud chargebacks.

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