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Payment methods

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

Using our Standalone solution?

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

Adyen payment terminals support popular local and global payment methods. When customers use a payment method from another country, the terminal automatically switches to the corresponding language and shows a UI your customers understand.

Here we give an overview of the payment methods you can accept with a Terminal API integration:

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 Settings > 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.

After you add a payment method, the changes take effect when a payment terminal updates its configuration during the next maintenance call. To use the payment method immediately, you can update the configuration manually.

Credit and debit cards

All credit and debit cards follow the same payment flow. 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- -x- BE
BankAxept Debit card -white_check_mark- -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- -x- -white_check_mark- BR
girocard Debit card -white_check_mark- -white_check_mark- -x- Eurozone
Hipercard Credit card -white_check_mark- -x- -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
Debit Mastercard Debit 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

It is not possible to make unreferenced refunds in Brazil and Mexico. To refund a payment in these countries you must make a referenced refund.


Be aware of the following:

  • On Android terminals, girocard is not supported yet.
  • 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.

Card entry methods

Our terminals support reading the card using either EMV chip, contactless through Near Field Communication (NFC), or magnetic swipe. If all these card entry methods fail, you can manually enter the card details (see Manual Key Entry (MKE) and Mail order/Telephone Order (MOTO)).

However, certain local card schemes decline transactions where the card details were obtained by magnetic swipe or entered manually. This is the case for:

  • Bancontact
  • BankAxept
  • Cartes Bancaires
  • Dankort
  • girocard
  • Interac

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-badged cards

Co-badged 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-badged card, we apply rules to automatically select the most suitable payment method on the card. You can customize some of these rules, and it is 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 on their device. The device may ask the shopper for their PIN or password, or for biometric authentication through fingerprint or facial recognition.
  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.

Wallet passes

Apart from credit and debit cards, customers can also keep other digital passes in their NFC wallet, such as loyalty cards, vouchers, and tickets. You can create your own NFC-enabled wallet pass and tie this in with your loyalty program. When the customer has your pass in their NFC wallet, you can accept it when the shopper makes a point-of-sale payment. For instructions see Wallet passes.

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-person 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 QR code wallet -white_check_mark- -x- -white_check_mark- US
Alipay QR code wallet -white_check_mark- -x- -x- International
Atome QR code wallet -white_check_mark- -x- -x- HK, MY, SG
GrabPay QR code wallet -white_check_mark- -x- -x- MY, SG
PayMe QR code wallet -white_check_mark- -x- -x- HK
PayNow QR code wallet -white_check_mark- -x- -x- SG
PayPay QR code wallet -white_check_mark- -x- -x- JP
PIX QR code wallet -white_check_mark- -x- -x- BR
Swish QR code wallet -white_check_mark- -x- -x- SE
TWINT QR code wallet -white_check_mark- -x- -white_check_mark- CH
WeChat Pay QR code wallet -white_check_mark- -x- -x- International
Zip QR code wallet -white_check_mark- -x- -white_check_mark- AU

Supported flows

Affirm, Atome, PayMe, PayNow, PayPay, PIX, TWINT, and Zip only support the merchant-presented flows.


GrabPay allows 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- -x- International
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- -x- International
Stored Value Solutions (SVS) Gift card -white_check_mark- -white_check_mark- -x- International
Fiserv (formerly ValueLink) Gift card -white_check_mark- -white_check_mark- -x- 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.

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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