Service · E-commerce and integrations

Online payments

A winery in the Weinviertel sells online to private buyers in Austria and Germany and to restaurants that order on account. Austrian shoppers look for eps bank transfer, card and PayPal at checkout, many ask about Klarna, and restaurateurs want the payment terms they are used to. Putting the logos on the page is trivial. The difficulties hide at the margins: a buyer pays and shuts the tab before being redirected, yet the order still has to be marked paid; one bottle in three arrives smashed and only part of the sum goes back; on Monday the bank statement shows one combined payout and nobody can say which orders it covers. We make every method work from the click to the ledger entry, particularly on the days when something goes wrong.

Send an enquiry Inclusions overview

eps

transfer straight from online banking

Klarna and PayPal

for private buyers

Invoice terms

with or without default cover

Reconciliation

every payout itemised

Everything this covers

Fees are only one factor. We also weigh which options your buyers look for, how refunds are handled and whether the provider's reports are usable for bookkeeping.

Settle the details with an engineer

eps bank transfer

The method Austrians know well, authorised in their own bank's online banking and integrated through a payment service provider. The shop gets instant confirmation, with none of the uncertainty of an ordinary transfer.

Cards, Apple Pay, Google Pay

Through providers such as Stripe or your card acquirer, with strong customer authentication under PSD2 and 3-D Secure. Wallet buttons show up wherever the buyer's device supports them.

Klarna and PayPal

Klarna for invoice and instalment purchases, with Klarna carrying the default risk; PayPal because a share of buyers simply expects it. Refunds for both are triggered from the order itself.

Invoice terms for businesses

Invoices with payment terms for restaurants and retailers, optionally backed by a credit check through a credit agency, a reminder ahead of the due date and automatic matching of incoming transfers to open items.

Direct debit for wine clubs

Recurring deliveries collected by SEPA Direct Debit with a mandate, advance notice and clean handling of returned debits.

Status updates and awkward cases

The provider notifies the shop by webhook once money has moved, regardless of whether the buyer returns to the site. On top come scheduled checks on pending payments, partial refunds and chargebacks, each flagged to your team.

Reconciliation with accounting

Every payout is itemised into orders, refunds and fees and passed to BMD, RZL or your ERP, so bank statements no longer need ticking off manually.

Our working method

Providers vet your shop before switching you on, which can take weeks. We therefore kick off onboarding on day one and work on the technical side in parallel.

Choosing the mix

Which methods your buyers expect, their cost per transaction and how fast the money reaches your account, modelled on last year's sales.

Provider onboarding

We prepare the paperwork and check that the imprint under the E-Commerce Act, terms with the withdrawal notice required by the Distance and Off-Premises Contracts Act, privacy notice and VAT-inclusive consumer prices are in place. Reviewing the wording itself is a matter for your legal adviser.

Checkout and webhooks

Methods in checkout, status notifications, periodic checks on stuck payments, one-click refunds and the handover to accounting.

Sign-off with real money

For each method one genuine purchase, one partial refund and one full refund. Only when all three are correct in the shop and in the books do we go live.

Selling on invoice means running a collections routine. Supplying restaurants or retailers on account involves more than sending invoices; you also have to notice when one goes unpaid. Without automatic matching of incoming money and reminders before and after the due date, open items pile up unseen. We set up both and agree with you at which amount or delay a customer switches to payment in advance.

Frequently asked questions

For Austrian buyers it usually earns its place. A good number prefer paying from online banking to entering card details, and the fees are frequently lower. Whether it matters for you becomes visible in checkout drop-off once eps has been live for a while.

Through Klarna the provider takes the default risk and pays you, in return for a higher fee. Running it yourself keeps both margin and risk in-house. For trade customers you already know, your own invoice generally makes sense; for first-time private buyers Klarna is the more cautious route.

When a cardholder disputes a payment, the provider claws back the amount plus a fee and asks for evidence. Our set-up alerts your team immediately and gathers order data, tracking number and proof of delivery so you can respond within the deadline.

Yes. Invoice terms might appear only for approved trade accounts or from a second order onwards, Klarna only up to a set basket value. We configure these rules in the shop and quote the work upfront based on €110 per hour plus VAT.

Related work in the same area

Open the full area page

Service Accounting system integration Orders, payments and fees from your shop arriving cleanly in BMD, RZL, Business Central or Odoo Service Marketplace connection Amazon, eBay, Kaufland.at, willhaben and Zalando fed from one stock pool and one product catalogue Service Shipping and parcel carriers Postage shown in the basket, pickup points, labels printed in one batch and tracking without retyping

Set up your payments

What do you sell, which shop platform do you use and who are your buyers? We will propose methods and providers and wire everything into your accounting.

Email
office@apply.at

Availability
Monday to Friday, 8:00-17:00 Austrian time (CET/CEST), reply within one working day

Meetings
By video on Microsoft Teams or Google Meet

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