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Online payment methods in Portugal Portugal is rapidly moving towards new financial realities, transforming itself into a country where digital payments have become an integral part of everyday life. Here, at the crossroads of tradition and innovation, unique approaches to paying for goods and services are emerging. Let’s dive into the fascinating world of payment methods in Portugal and find out how consumers will pay for their purchases in 2025. Card payments Card payments are widely adopted across Portugal’s payment landscape. Global giants Visa and Mastercard, which are accepted almost everywhere, are the leaders. These brands are associated with reliability and widespread availability, which explains their popularity among locals and tourists. Credit cards are more often used for large purchases, while debit cards are used for small everyday expenses. Banks such as Caixa Geral de Depósitos,  Millennium BCP and Novo Banco issue the majority of cards, ensuring a high degree of security and convenience when conducting online transactions. Payments in instalments: BNPL is gaining momentum Buy Now, Pay Later (BNPL) has become a real hit among Portuguese consumers. Young people are particularly fond of such services, which allow them to buy what they want today and pay for it tomorrow in small instalments.The most notable representatives of Portugal payment method: Klarna – an international leader that wins the hearts of shoppers with its deferred payment option. Scalapay – a young but ambitious player offering convenient instalments in three equal payments. PayPal’s Pay in 4 – a familiar name with a new feature that splits payments into four equal parts. CTT Now! and Cetelem – local solutions that integrate directly into retail chains and banking ecosystems. These services make shopping accessible and convenient, reducing the psychological barrier to large expenditures. Bank transfer – Multibanco Portuguese people like to control their finances, and nothing gives them more control than a direct bank transfer. Multibanco is a national system, a symbol of stability and confidence in the future. The purchase procedure is quite simple: The consumer selects Multibanco when placing an order. They receive a unique transaction number. They make the payment via internet banking, mobile banking or the nearest ATM. Multibanco has gained widespread adoption due to its high processing speed and transparent operations. The complementary service MB WAY extends this functionality by enabling instant peer‑to‑peer transfers via mobile devices SEPA Instant The European instant payment system SEPA Instant Credit Transfer (SCT Inst) has become a bridge between Portugal and the rest of Europe. It allows cross-border transactions to be carried out instantly, opening up new horizons for business and tourism.This service is particularly attractive for those who do business outside the country, providing seamless integration into the single European economy. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Digital wallets Smartphones have become veritable financial centres, and Portugal is no exception. The most common digital wallets are: MB WAY — the undisputed champion with a market share of around 45%. More than 4.5 million active users confirm its success. Integration with 28 banks makes it an indispensable tool for online shopping and P2P transfers. Apple Pay and Google Pay — convenient solutions for smartphone owners, allowing them to store cards and make purchases with a single touch. PayPal — a universal solution that works both in Portugal and far beyond its borders. Moey — is a new product from Crédito Agrícola, aimed at a young audience eager for simple and fast solutions. These are some of the most popular Portuguese payment methods, especially in e-commerce, as well as gambling and sports betting. Cash & Payshop: the legacy of the past Despite rapid digitalisation, Portugal cherishes the memory of paper banknotes. Some shoppers continue to prefer cash payments, especially older citizens or those who are distrustful of digital technologies.This is where Payshop comes in – a unique system that allows you to pay for your online order at your nearest shop or post office. The process is simple: the customer receives a unique code, takes it to the service point and pays in cash. This scheme combines the advantages of the digital world with the warmth of human contact. Why it is important for businesses to understand the structure of customer preferences Imagine this situation: you have spent months developing your dream product, put your heart and soul into a marketing campaign, and then… silence. Visitors come to the website, add items to their basket and disappear. Sound familiar? Most likely, you’ve overlooked a key detail – the structure of your customers’ preferences. Portugal, like any country with a unique culture, has its own consumption characteristics. Here, despite the general trend towards cashless payments, there is still a commitment to traditional payment methods. Some customers prefer to use credit cards, others prefer debit cards, and still others choose digital wallets or even instalment plans (BNPL). Some are used to seeing familiar international brand logos, while others are looking for local solutions.Understanding these nuances allows you to create a truly user-friendly payment interface that attracts customers rather than repels them. Research shows that simply expanding the list of available payment methods can reduce the number of abandoned shopping carts by 15-20%.In addition, knowing the preferences of your target audience allows you to build an effective communication strategy tailored to specific segments. For example, young people have a positive perception of mobile payments and BNPL solutions, while the older generation often prefers traditional bank transfers or cash.Finally, a deep dive into the structure of preferences helps to identify customer pain points and eliminate them in a timely manner. Perhaps the reason for leaving was an inconveniently located payment button or an unclear interface. By removing such obstacles, you increase loyalty and strengthen your brand’s reputation. Factors that will increase your appeal to customers So, you understand the importance of studying preferences. Now the next question arises: how

Online payment methods in Indonesia Businesses are increasingly paying attention to the Indonesian market. The country ranks first in Southeast Asia in terms of GDP. The country is actively developing, it has a lot of solvent population. Those entrepreneurs who consider the region for the development of their business must know what the locals prefer to pay. In the review, we will look at the most popular payment method in Indonesia, why the structure of the systems in demand differs from the European or African ones. Features of Indonesia’s payment infrastructure In Southeast Asia, Indonesia ranks first in terms of GDP. In 2025, the country’s population is expected to reach 293 million people. The average age is 31 years. There is a large proportion of young people in Indonesia who choose modern payment methods. These include cryptocurrencies and digital wallets. Despite this, the share of bank cards remains significant, especially among the more adult population. Features of Indonesia payment method in and general market overview: In 2024, Indonesia’s e-commerce market In 2024, Indonesia’s e-commerce market totaled $354.6 billion. Over the past five years, the market has been growing and its growth is expected in the next 5 years.. Over the past five years, the market has been growing and its growth is expected in the next 5 years. The market is projected to grow to 760.8 billion dollars by 2033. The average annual growth is projected at 9.07%. 67% of all e-commerce payments are made on mobile devices. This is a global trend that confirms consumers’ switch to smartphones and mobile commerce. There has been rapid growth in the popularity of ‘buy now, pay later’ (BNPL) models, QR codes and e-wallets, creating unique dynamics in the market. The development of QRIS (a standardised QR code format) looks particularly promising, as it accelerates the process of adapting new technologies for making payments. It is worth noting that a significant portion of transactions are conducted using cashless and contactless technologies, such as e-wallets, reflecting the high level of digitalisation in Indonesia payment system. Overview of popular payment methods Let’s take a look at the top payment methods in Indonesia. Digital wallets These universal applications account for approximately 35% of all e-commerce payments. Examples include GoPay, OVO, DANA, LinkAja, and ShopeePay. Each serves different user groups, providing a seamless transition between offline and online environments. Integrating multiple digital wallets increases brand awareness and lowers barriers to completing purchases. Virtual bank transfers Banking systems account for another 26% of e-commerce transactions. Virtual accounts simplify the movement of funds by generating unique identifiers for each transaction, which simplifies the reconciliation process. Offering virtual banking services demonstrates reliability and aligns with existing consumer behaviour patterns. BNPL (Buy Now, Pay Later) services Indonesia payment methods are keeping pace with the global trend, which sees a gradual increase in the popularity of services that allow customers to pay in instalments and collect their goods immediately. This method accounts for around 9% of current e-commerce volumes. Providers such as Akulaku, Kredivo, and Tokopedia’s ‘Pay Later’ option are particularly attractive to millennials and Gen Zers who value flexibility without compromising on immediate gratification. The inclusion of BNPL significantly increases the average cheque. QRIS transactions Standardised QR codes provide unified access to various payment networks. Since its introduction, QRIS has been actively adopted by local businesses. This payment method accounts for about half of all transactions at small and medium-sized businesses. The implementation of QRIS increases inclusivity and operational efficiency. Traditional bank cards Credit and debit cards remain popular among Indonesian payment methods. They account for approximately 13% of all transactions. Despite lower usage rates, support for Visa, MasterCard, and Gerbang Pembayaran Nasional (GPN)-related instruments ensures broad accessibility for international audiences. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Direct debits via mobile apps Services offered by OneKlik (BCA) and OCTO Cash (CIMB Niaga) are examples of instant and seamless withdrawal transactions. Ideal for subscription models or recurring payments, direct debits minimise the administrative costs associated with manual collection. Why it is important to consider local user preferences Knowledge of the local market and Indonesia online payment methods significantly increases the chances of success for any project. That is why understanding the Indonesian payment landscape is crucial: Increased conversion rates. By providing users with convenient payment options, the risk of purchase abandonment is reduced. Strengthening trust. Demonstrating an understanding of the buyer’s needs helps to build loyalty and increase repeat orders. Expanding your target audience. The more payment options you offer, the wider your potential customer base. One of the tools that helps simplify integration with Indonesian payment method is the Billblend service. This provider supports over 100 types of payment methods, including digital wallets, QRIS, and many other popular methods in Indonesia. The key advantages of the service are: Free integration; Easy connection via API; Support for over 70 currencies, including cryptocurrencies and the Indonesian national currency (rupiah); Minimisation of fraud and error risks when processing payments. Using a universal payment platform makes it much easier to adapt your business to local conditions and increases your chances of successful development in the Indonesian market. Conclusion To achieve success in a new market, it is critical to consider the characteristics and preferences of local users. The use of specialised payment instruments will allow you to adapt to the needs of the region and provide a comfortable shopping experience for your customers. The right integration strategy will have a tangible effect on your business’s key metrics, opening up access to a new, highly profitable market segment. Frequently asked questions Which e-wallets are most common in Indonesia? The main players are GoPay, OVO, DANA, LinkAja, and ShopeePay. What percentage of online payments are made via bank transfers? The standardisation of QR codes has greatly facilitated interaction between sellers and buyers, reducing operating costs and increasing transaction

Blockchain for Cross-Border payments We are accustomed to fast domestic transfers. A delay of several minutes in crediting funds can cause discomfort. For businesses, transaction processing speed is also very important. Having trading accounts with instant crediting or daily transfers significantly facilitates work and allows profits to be used more quickly to boost the company’s turnover. But what should companies operating in the international market do? They have to make transfers to other countries to pay for supplies or production. Traditional bank transfers can take 3-5 days, which can lead to disruptions in the companies’ operations. Crypto cross-border payments can solve this problem. With their help, businesses can transfer payments to most countries in the world in a matter of minutes.The growth in popularity and demand for blockchain international payments is reflected in the statistics on the use of stablecoins. Over the past 5 years, their supply has grown from $5 billion to $305 billion. According to VISA, over the past 12 months, the total volume of retail transactions in stablecoins exceeded $61,4 billion.In this article, we will explain how cross-border crypto payments work, how they are better than traditional banking services, and what advantages businesses gain from transfers in USDT and other cryptocurrencies. What is blockchain Crypto cross-border payments are based on blockchain technology.Blockchain is a distributed database consisting of sequentially connected blocks containing records of completed transactions. This database is supported by a network of nodes (computers), each of which stores a copy of the ledger. The most important characteristics of blockchain are: Distributed – the absence of a single control centre reduces vulnerabilities and increases system stability. Immunity to change – data that has been entered cannot be changed or deleted without being noticed, as changes require the consent of the majority of network participants. Cryptographic protection – each change in the ledger is accompanied by a unique encrypted key that is only accessible to certain participants. Transparency – all participants can see the transaction history, which helps to increase trust in the system. Thanks to these properties, blockchain has become the foundation for a whole range of new financial products and solutions. Comparison of digital assets: cryptocurrencies, stablecoins and CBDCs Let’s take a closer look at the key differences and areas of application for each type of digital asset. Cryptocurrencies (Bitcoin, Ethereum, etc.) Decentralised digital assets that have no physical embodiment and are not backed by any government institution.Features: Completely autonomous and controlled by network algorithms. The exchange rate is determined solely by market mechanisms of supply and demand. High degree of confidentiality and anonymity. Applications: Peer-to-peer (P2P) transfers without intermediaries. Cross-border payments with minimal commission. A means of preserving capital in conditions of unstable national currency. Stablecoins (USDC, USDT, etc.) Digital assets whose value is rigidly pegged to traditional (‘fiat’) currency, most often to the US dollar or euro.Advantages: Resistance to sharp exchange rate fluctuations inherent in conventional cryptocurrencies. Transparency and predictability of value. Purpose: International transfers with minimal risk of losses due to exchange rate fluctuations. Financial transactions in emerging markets with unstable economic conditions. A tool for fast transfers between users and companies. Central Bank Digital Currencies (CBDCs) State-regulated digital equivalents of national currencies, created and managed by central banks.Characteristics: Centralised management and control by state authorities. Enhanced security and regulation of transactions. Practical use: Domestic and international settlements between banks. Retail payments by the population as part of pilot programmes (e.g. the Chinese digital yuan). Expanding financial accessibility and inclusiveness through government initiatives. Each type of digital asset is unique and designed to solve its own set of problems. Cryptocurrencies are suitable for maximum freedom and independence, stablecoins are suitable for stability and reliability, and CBDCs are suitable for integration with traditional financial systems under state control.When considering blockchain for international payments, there is greater demand for stablecoins, while cryptocurrencies are used less frequently. While CBDC adoption remains relatively low, it is important to note that CBDC designs vary. Some proposals incorporate elements of transparency and limited decentralisation, though they inherently involve central bank oversight — a key distinction from cryptocurrencies that prioritise decentralised governance and autonomy from state control.. How blockchain works in cross-border transfers: ensuring the security and efficiency of international payments Traditional cross-border payments often involve many difficulties: long waiting times, high fees, and the need to involve numerous intermediaries, such as correspondent banks. This is where blockchain technology for cross-border payments comes in, radically changing the established standards of international financial transactions. How blockchain works in cross-border payments Blockchain is a distributed ledger consisting of a sequence of interconnected blocks, each containing information about a transaction. Here’s how it works in the context of international transfers: Direct connection between participants. The sender and recipient interact directly, bypassing intermediaries, which reduces time and commission costs. Recording and confirming transactions. Each transaction is recorded in the blockchain and verified by a network of nodes (validators) that have reached a consensus on the authenticity of the transaction. Immediate fulfilment of obligations. Once confirmed, the transaction is considered complete, and the funds are instantly transferred to the recipient, regardless of the geographical location of the parties. Increased transparency and reduced risks. All participants have equal access to the transaction history, which eliminates the possibility of falsifying records and minimises the likelihood of fraud. Stablecoins, digital assets whose value is pegged to traditional currencies (most often the US dollar), have become particularly important in international settlements. Coins such as USDT and USDC solve the problem of volatility of conventional cryptocurrencies while retaining the advantages of blockchain: Exchange rate stability. By pegging themselves to fiat currencies, stablecoins maintain stable values, which is convenient for commercial and personal transfers. Ease of withdrawal. Recipients can easily withdraw funds through P2P platforms or cryptocurrency exchanges, receiving the equivalent in local currencies. Versatility. Stablecoins are widely used and accepted by most exchanges and services, making them an attractive option for international payments. How blockchain works in cross-border payments The use of blockchain and cryptocurrencies in cross-border transfers

Same day settlement payment gateway We are used to receiving money immediately after a transfer and goods after payment at the checkout or in an online store. Modern businesses with a high level of competition need no less efficiency. Funds received from customers can be used to pay bills, deliver new goods or used in other ways.Many providers offer businesses the option of opening current accounts with a 2-5 day delay in receiving money. In this case, the company does not receive payments from customers immediately, but after a certain period of time. In order not to waste precious time, businesses need a same day settlement payment gateway. What is a current account and how does payment work? A settlement account is a bank account designed specifically for legal entities and individual entrepreneurs. Its main purpose is to conduct non-cash transactions related to business activities: accepting payments from buyers, settling accounts with counterparties, paying salaries to employees, and other financial transactions. The payment process consists of several stages: The buyer selects a product or service and initiates payment. The buyer’s card details are sent via a payment gateway to the issuing bank to verify that there are sufficient funds. The bank confirms the availability of funds and approves the transaction. The funds are debited from the buyer’s account and transferred to the seller’s account. The clearing process takes place — the reconciliation and confirmation of mutual settlements between banks. The final stage is the receipt of funds in the seller’s current account. Traditionally, this process took several business days, creating significant delays in the receipt of revenue by businesses. The exact timing depends on the working conditions of the organization itself and the banking sector of the country as a whole.With the advent of instant settlement payment gateways, the situation has changed and now entrepreneurs can receive funds immediately. What are the formats for transfers to a current account? There are three main formats for transferring funds to a current account: Instant transfers: funds are credited to the account almost instantly, within a few seconds or minutes. One-day transfers: payments are made within one business day, most often towards the end of the business day. Deferred transfers: the standard practice of most banks, where funds are credited 1-5 business days after the purchase is made. Each of these options has its pros and cons, depending on the needs of a particular business. How instant payment gateways work Instant payment gateways allow sellers to receive money from buyers almost instantly, bypassing the long waiting periods of standard banking procedures. There are two main models for such gateways: On-Demand Settlements: allows you to manually initiate fund transfers at any convenient time, providing maximum flexibility in cash flow management. Same-Day Settlements: automatic transfer of funds at a fixed time during the day (usually in the morning and evening), ensuring regularity and predictability of funds receipt. Such services operate around the clock, including weekends and holidays, ensuring the continuity of the enterprise’s financial cycle. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Benefits for business Using a same-day settlement payment gateway opens up a range of opportunities for businesses of all sizes: Optimisation of working capital management. Immediate access to earned funds allows you to quickly cover expenses, pay salaries and purchase new batches of goods. Increased financial stability. The absence of delays reduces the need for short-term lending and improves the company’s financial stability. Competitive advantages. Fast payment processing increases customer loyalty and strengthens brand reputation. Effective response to market opportunities. The ability to immediately invest profits in business development or marketing campaigns. Minimisation of default risk. Timely receipt of funds minimises the risk of cash flow gaps and overdue obligations to partners. The use of such solutions becomes particularly relevant during periods of increased business activity, such as during sales or holiday seasons, when the speed of capital turnover is critical to the success of all commercial activities. What to consider when choosing a provider Choosing the right payment gateway provider is an important step that will affect the future operations of your company.Here are the key factors to consider: Reliability and security. Ensure that the selected provider complies with international security standards (PCI DSS) and has a reliable fraud prevention system. Cost of services. Analyse transaction processing fees, withdrawal fees, and possible hidden charges. Supported payment methods. Check the availability of popular local and international payment methods that your customers use. Integration with existing systems. Easy connection to your website or CRM will greatly facilitate the transition to a new system. Quality of customer support. Round-the-clock assistance and quick resolution of emerging issues play a key role in the smooth operation of your business. Additional services. Some providers offer advanced analytics, reporting, and automation of payments to employees and contractors. The right choice will ensure a comfortable interaction with the financial service and increase the efficiency of your business processes. Why BillBlend is the best solution for your business Among the many offers on the market, the BillBlend platform stands out with a number of unique features that set it apart from its competitors: Wide coverage of global payment methods. Integration of more than 50 popular payment methods worldwide, including bank transfers, e-wallets, mobile apps, and cryptocurrencies. High level of security. Compliance with PCI DSS standards and working with trusted international partners ensure reliable protection of customer personal data. Ease of integration. A unified API interface simplifies connection to various sales channels and facilitates business scaling. Professional support team. Experienced specialists are available 24/7 to provide assistance, responding promptly to any questions or issues that arise. Low commissions and transparent rates. An optimal pricing policy minimises payment processing costs. Ability to accept payments in high-risk industries. A specialised solution for companies operating in online gambling, cryptocurrency exchanges, and other sensitive areas of business. Thanks

Payment gateway integration for mobile app Smartphones in the modern world have ceased to play the role of only a means of communication. These are full-fledged gadgets that allow you to communicate with friends on social networks, work, and make purchases. Websites and applications that support online payment for goods are becoming increasingly popular. They are chosen for the opportunity to purchase goods without leaving home, and the built-in transaction acceptance system improves the user experience. In 2025, mobile sales are expected to grow to $2.51 trillion, with an average annual growth rate of 17%. One in five shoppers leaves a website or app when faced with a lengthy checkout process. Thus, having a reliable and convenient payment gateway is becoming a prerequisite for the success of any business operating in the e-commerce sector.Given the latest trends in e-commerce, business owners and mobile app developers are faced with an important question: how to properly organise in-app payments? The answer is simple – mobile app payment gateway integration. Let’s take a look at how to do this and how Billblend can help you. How does paying for goods from a phone work? A payment gateway is a specialized service that acts as an intermediary between the customer and the seller. The service processes the payment data and transmits it to the bank, and receives a response to confirm the purchase or not.They function similarly to EFTPOS terminals, processing information about the buyer and transmitting it to the bank.The schematic principle of operation of a mobile payment gateway is presented below.: the user selects an item and sends it to the shopping cart, after which they proceed to pay for it.; the client enters the bank card data and transmits it to the processor through the gateway.; the information is checked by the bank that issued the card; after verification, the response comes – to approve the transaction or not. This acts as a bridge between the various parties to the transaction: the store itself, the buyer, the acquiring bank, and the customer’s card issuer. Criteria for choosing a payment gateway Modern consumers increasingly prefer to make purchases via smartphones. According to the latest data, the number of mobile purchases users has exceeded 6 billion worldwide. Payment gateway integration in mobile applications allows you to offer customers a convenient payment method, increase sales conversion and strengthen trust in your brand.Below, we will discuss what is important to consider when working with payment gateway integration mobile apps, including for businesses that specialise in high risks. Target audience Make sure that the payment gateway you choose supports the regions where your customers are located. Check the coverage of countries supported by service providers. Billblend is available in Europe, Asia, America, and Africa. The geography is extensive, so you can connect the gateway while in any of these continents. Payment methods Offer your customers a variety of ways to pay, such as bank cards, e-wallets, and mobile platforms (Apple Pay, Google Pay). Research shows that almost half of users prefer to choose from a variety of options. Billblend offers more than 70 options that meet the needs of most customers from all over the world. Commission fees Most payment gateways charge a fixed fee for each transaction plus a small additional amount ($0.30+2.9%). It is important to consider additional account maintenance costs and possible hidden fees. We offer customised terms and conditions tailored to the specifics of your business, such as your field of activity, turnover, and region. Request a free consultation to find out how much it will cost to integrate the Billblend mobile gateway into your application. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Scalability and customisation Choose solutions that allow you to adapt to business growth and expand the range of services you offer. Make sure that the payment gateway integrates easily with your existing systems and is capable of processing regular transactions. Security and certification Give preference to services that comply with PCI DSS standards and other security requirements. Reliable data protection will ensure customer trust and reduce the risk of fraud.Mobile payment gateway integration Billblend gives your business: increased customer trust thanks to secure transactions; faster order processing and fewer abandoned shopping carts; the ability to expand your sales geography by supporting international payments; analytical information about your customers’ purchasing behaviour. Step-by-step instructions for integrating the payment gateway Below are the steps you need to take to connect the system to your business. The first stage is selecting a partner. Study the market and compare the services of different providers. Pay attention to the level of protection offered by the gateway, the commission structure available, and how convenient the gateway is for mobile buyers.It is equally important to consider whether the interface can be customised to match your brand, whether the gateway supports subscription and recurring payments, as well as international payments and various types of bank cards.The second step is to create a merchant account. This is a special account designed to store funds until they are transferred to the company’s bank account.The third step is to configure the service. You will need to set the necessary parameters, payment methods, and card brands available to customers.The fourth step is integration into the application. The gateway can be connected either manually (by writing your own code) or automatically (using ready-made SDK libraries or simple payment widgets).The fifth step is testing and launch. Test the service in test mode, eliminating any errors that arise. Then launch the system into full operation.By following these recommendations, you can create a comfortable and secure shopping experience for your customers, helping to increase conversion and revenue. Billblend offers comprehensive solutions for integrating payment gateways into mobile applications. We help our clients choose the best payment services, configure payment processes, and ensure maximum transaction security.Our specialists are ready

VISA and MasterCard payment gateway Modern online payment methods such as A2A transfers, digital wallets, cryptocurrency, and ‘buy now, pay later’ are actively developing, but in e-commerce, one cannot forget about connecting payment by bank card. Credit, debit, and prepaid cards remain a popular and sought-after method in e-commerce. There are many bank card payment systems in the world. Some are international, covering hundreds of countries, while others are national solutions that only work in one country. The most popular systems remain VISA and MasterCard. Both solutions boast good geographical coverage, as they operate in most countries around the world. In this article, we will explain what a bank card payment system is, how it works, how to choose a VISA and MasterCard payment gateway, and why these solutions are relevant for businesses, especially in high-risk sectors. What is a payment system: definition and functions A payment system is a complex of technological, financial, and organisational infrastructure designed for the efficient and reliable transfer of funds between parties involved in economic relations. It serves as the basis for cashless payments via bank cards, e-wallets, and other digital instruments.The main elements of such a system are issuing banks (which issue cards), acquiring banks (which serve commercial enterprises), processing centres (which process transactions) and the payment system itself, which acts as an intermediary and coordinator between all participants.The key functions of payment systems are: Funds transfer – the rapid transfer of funds from the buyer to the seller. Data transfer and verification – the processing and verification of information about the transaction being made. Security and confidentiality – the protection of users’ personal and financial information. Standardisation of procedures – unification of the format of interaction between banks and commercial organisations. Control and prevention of fraudulent activities – monitoring of suspicious transactions and application of measures to combat financial crimes. These functions guarantee the convenience, reliability and high speed of financial transactions, allowing users to make payments instantly and securely. How the payment system works when paying by card Paying by bank card seems like a simple procedure, but in a matter of seconds, a whole series of complex steps are performed, involving the interaction of many participants. Here is a step-by-step guide to what happens: The customer initiates the payment by inserting their card into the terminal or tapping their NFC-enabled device. The terminal reads the card details and sends a payment request to the merchant’s acquiring bank. The acquiring bank forwards the request to the relevant payment system (e.g. VISA or MasterCard). The payment system processes the request and sends it to the customer’s issuing bank. The issuing bank confirms that there are sufficient funds in the cardholder’s account and authorises the transaction. The confirmation is sent back through the payment system to the acquiring bank and then to the customer via the terminal. The funds are debited from the buyer’s account and credited to the seller’s account, usually within 24 hours. This complex process is automated and takes literally moments, making daily financial transactions convenient and fast. Payment systems and online payments The development of e-commerce has significantly expanded the sphere of influence of payment systems, making them an indispensable tool for remote transactions. Online payments are made through the VISA MasterCard payment gateway, which is connected to the websites of shops and delivery services.The mechanism of online payments is similar to the physical process of paying by card, but additional modern data protection methods are used: 3D Secure (VISA Secure / MasterCard Identity Check). An additional step to confirm the identity of the cardholder by sending SMS codes or biometric identification. Tokenisation. Replacing real card numbers with temporary digital codes (tokens) to minimise the risk of personal data leakage. Use of mobile wallets. Integration of bank cards into smartphone applications, allowing payments to be made with a single click. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Such innovative approaches increase customer confidence in electronic payments and contribute to the growth in popularity of online shopping.Payment systems play a vital role in the modern world, making it easier for people to make purchases, increasing the security of financial transactions and contributing to the development of global trade. History and origin of the VISA and MasterCard payment systems The history of both payment systems began in the United States of America. MasterCard was founded in 1966, and VISA appeared a little later, in 1976. Despite the ten-year difference in their emergence, VISA managed to take a leading position in the global market, becoming the most popular international payment system. Today, both systems operate in more than 200 countries around the world, handling billions of transactions every day. All existing payment systems can be divided into three large groups: International. VISA and MasterCard belong to this type. They are accepted almost everywhere and provide maximum freedom of movement and payment. National. Examples include local payment systems in individual countries, intended primarily for domestic use. Local. These are limited to a small region or city and are rarely used. Although bank cards look the same and perform similar functions, there are a number of significant differences between them. The table below compares the key indicators of the two systems. Parameter VISA MasterCard Main currency US dollar Euro Service fee US dollar The traditional form of cashless payments remains popular, especially among the older generation and those who prefer to control their spending. Payment options Depends on the type of card Leaders in this segment include Afterpay, Zip and Klarna. This method allows shoppers to make purchases with the option of interest-free instalments. Geography More than 20 million companies Direct transfers between bank accounts are becoming increasingly popular thanks to the development of fast payment infrastructure. Despite these differences, users are unlikely to notice any significant difference between these systems within a single country. The

Payment gateway for dating site In today’s online dating world, payment convenience and security play a key role in the success of any service. With the growing popularity of online services, the risks of conducting transactions are increasing. Choosing the right dating payment systems can be a daunting task for business owners. In this article, we will explain why choosing Billblend will solve all the problems associated with paying for services.. What category of business do dating sites fall under Dating sites are often categorised as high risk merchant accounts. The reasons for this are several factors: High fraud levels: Appealing to cybercriminals creating fake profiles and phishing scams. Frequent chargebacks: Users often dispute transactions, claiming incorrect service delivery or fraud. Regulatory constraints: Certain regions restrict or outright ban such services, raising risks for banks and providers. Reputation hazards: Companies seek to distance themselves from industries harmful to brand image. Therefore, business owners should seek payment provider for dating sites capable of addressing these risks. Try Billblend for free and start earning more immediately. Mistakes when choosing a payment gateway for online dating sites Online dating involves high risks, so it is important to consider the following points when setting up money transfer processes: Choosing the wrong provider. Make sure your provider is familiar with high-risk payment processing, otherwise account lockouts may occur. Underestimating anti-fraud measures. The industry is vulnerable to fraudulent activity. Use tools such as 3D Secure, CVV verification and AVS. Opaque terms. Clearly explain subscription, auto-renewal and refund policies to users – this will reduce disputes. Ignoring security standards. Comply with PCI DSS and GDPR requirements to avoid fines and reputational losses. Lack of monitoring. Regularly check the operation of systems to detect anomalies and failures in time. Limited variety of payment methods. Offer a variety of options – from cards to PayPal to mobile payments – to enhance customer convenience. Lack of mobile optimisation. Pay attention to adapting payment formats for smartphones, as most users log in via mobile devices. Use of insecure gateways. Protect transactions with encryption and other cybersecurity technologies. Inadequate customer support. A quality customer service team can help resolve issues quickly and improve user loyalty. These recommendations will help you choose payment systems for dating sites, minimise risks and increase conversion rates. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Why BillBlend is ideal for accepting payments on a dating site BillBlend is ideal for accepting payments on dating sites due to a number of key advantages. Experience with high-risk businesses BillBlend specialises in serving businesses in high-risk industries, including the dating industry. We understand the unique challenges and needs of your business and offer tailored solutions to minimise risk and maximise revenue. A wide range of fraud prevention techniques Our platform is equipped with state-of-the-art anti-fraud tools such as 3D Secure, CVV and AVS checks to significantly reduce chargebacks and protect your business from losses. Transparent payment policy We help you clearly articulate your terms to avoid misunderstandings with customers and reduce disputes and chargebacks. Industry Compliance BillBlend strictly adheres to security standards such as PCI DSS and GDPR, ensuring your customers’ data is protected and compliant with legal requirements. Monitoring and analytics Our service offers regular reports and analytics to track payment processing activity, identify potential threats and respond quickly. Support for a variety of methods BillBlend supports a wide range of payment methods, including credit and debit cards, PayPal, and mobile payments, providing convenience for your customers and increasing conversion rates. Optimised for mobile devices Our payment forms are designed with mobile traffic in mind, ensuring a comfortable and secure transfer money experience for users, regardless of device. Security Security algorithms using the most advanced encryption technologies ensure maximum protection of your clients’ financial information. Testing and support We conduct regular testing of our systems and provide 24/7 support to ensure your business runs smoothly and issues are resolved promptly.When you choose BillBlend, you get a trusted partner to ensure your dating site’s payment processing is secure and efficient. Answers to common questions What factors make dating sites high risk? Dating sites are considered high risk due to high fraud rates, frequent chargebacks, regulatory restrictions and reputational risks. Why is it important to use a specialised payment gateway for dating sites? Specialised gateways understand the industry and offer tools to combat fraud, meet regulatory requirements and ensure payment security. What precautions should I take when choosing a payment gateway? You should choose a provider with experience in handling high-risk accounts, implement robust fraud prevention measures, ensure transparency in payment terms, and comply with industry regulations. What are the benefits of using BillBlend for dating sites? BillBlend offers experience with high-risk businesses, a wide range of fraud prevention tools, support for multiple payment methods, mobile optimisation and stringent security measures. What are the most common mistakes a business makes? Key mistakes include choosing the wrong provider, neglecting security measures, opaque payment terms, failing to comply with industry regulations and insufficient mobile optimisation. Dating sites are considered high risk due to high fraud rates, frequent chargebacks, regulatory restrictions and reputational risks.Specialised gateways understand the industry and offer tools to combat fraud, meet regulatory requirements and ensure payment security.You should choose a provider with experience in handling high-risk accounts, implement robust fraud prevention measures, ensure transparency in payment terms, and comply with industry regulations.BillBlend offers experience with high-risk businesses, a wide range of fraud prevention tools, support for multiple payment methods, mobile optimisation and stringent security measures.Key mistakes include choosing the wrong provider, neglecting security measures, opaque payment terms, failing to comply with industry regulations and insufficient mobile optimisation. 22

What is 3D payment gateway Imagine this situation: your customer is about to make a long-awaited purchase on your website. A few clicks of the mouse – and it’s done! Just imagine how much the user’s impression will change if a warning about a possible security threat suddenly appears. Your reputation will suffer instantly, and the transaction will be cancelled. That is why innovative solutions such as 3D Secure Payment Gateway have become a real lifeline for businesses. Today, these technologies enable you to protect yourself against data theft, minimise the risk of fraud and strengthen customer trust.Did you know that around 70% of shoppers abandon their purchase when faced with payment security issues?That’s where Billblend comes in. Billblend is a brand that has earned a reputation as an expert in innovative payment solutions, especially for high-risk businesses.Find out how Billblend helps your business grow and thrive despite the threats of cybercrime. Read on to discover how 3D Secure Payment Gateway can change the future of your business forever. What are secure payment gateways The modern world of e-commerce dictates strict requirements for transaction security. In an era of high speeds and the mass migration of businesses to the online space, there is an urgent need to protect customer information and bank card data. After all, no one is immune to fraud and data leaks. This is where secure payment gateways come into play.Secure payment gateways are specialised online services designed to process electronic payments. Think of them as intermediaries between your website and the banks involved in the transaction. The task of gateways is simple but important: to securely transfer confidential information (such as card number, expiry date and CVV code) from the buyer to the issuing bank, wait for the result and return it to the seller. Each stage of this process is secured by a range of powerful security measures, from data encryption to protection against phishing and malware. All high-quality payment gateways comply with international security standards such as PCI DSS (Payment Card Industry Data Security Standard), which further strengthens user confidence.But not all payment gateways are the same. There are two fundamentally different categories of gateways: 2D gateways – a traditional approach where card details are sent directly to the merchant and then redirected to the bank. 3D payment gateways are an advanced mechanism that uses an additional layer of protection known as 3D Secure. Here, the process is divided into three stages: user identification, cardholder verification, and final transaction authorisation. In this article, we will take a closer look at the differences between them and find out which solution is right for your business. In conclusion, we will discuss important aspects of choosing a payment gateway and introduce you to the solution from Billblend, a leader among the new generation of secure payment gateways. Join us and take the first step towards a secure future for your online commerce. Two types of payment gateways: 2D vs 3D Today, there are two basic types of payment gateways, each with its own characteristics and advantages. Let’s take a closer look at them. 2D payment gateway A 2D payment gateway is a classic payment processing method that involves the direct transfer of data from the buyer to the seller without any additional layer of protection.The term ‘2D’ reflects the involvement of only two parties in the process: the seller and the buyer.When making a purchase, the buyer enters their card details (number, expiry date, CVV code), which are then sent to the seller. There are no additional authentication steps, and the payment goes directly to the bank.Advantages Minimalist purchase path – transactions are carried out quickly and without delays. High conversion rate – buyers are less distracted by additional procedures, which increases the likelihood of completing the purchase. Ease of integration – 2D gateways are easier to implement and maintain. Disadvantages Low level of security – increased vulnerability to fraud and data leaks. No additional confirmation – payments can be made by anyone with access to the card details. Despite the obvious advantages, this scheme carries significant risks. This is especially true for large companies that process large volumes of transactions on a daily basis. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. 3D Payment Gateway The 3D payment gateway, or 3D Secure, is based on a three-tier architecture that includes additional levels of authentication.The name comes from the three main parties involved in the process: the issuing bank, the acquiring bank, and the interface provided by card networks (such as Visa or MasterCard). When using the 3ds payment gateway, an additional authentication step is added. Users are most often asked to confirm the payment with a one-time password (OTP) sent to their phone or another biometric identification method. This measure enhances security and reduces the risk of fraud.There are two versions of the 3D Secure protocol: 3D Secure 1 (3DS1) – this is the first version that requires customers to go to a separate page to enter their payment information and confirm the transaction. This approach increases security, but it can be inconvenient for customers during the purchase process. 3D Secure 2 (3DS2) – this is an updated version of the protocol that aims to increase the level of control. During the purchase, there is no transition to third-party pages; everything takes place on the store’s website. Some algorithms provide for automatic risk assessment, allowing for purchases without authentication. The use of 3D Secure brings additional benefits to the business. One of the main advantages is the increased customer trust, as they can now pay for their purchases in a familiar way. Additionally, the international accessibility of the protocol is a significant benefit for the company, as it is supported in most countries around the world. Furthermore, the increased security of transactions is a notable advantage, as it ensures

Payment gateway integration in website E-commerce continues to grow rapidly, offering consumers more and more opportunities to shop online. However, despite the wide range of products and convenient delivery options, many businesses face a serious problem: losing potential customers just before they complete a transaction. Why does this happen? Research shows that one of the key factors in abandoning a purchase is inconvenience or lack of trust in the payment method. Customers want to be able to choose between different payment methods, complete transactions quickly, and feel confident that their financial data is secure.That is why integrating a reliable payment gateway is becoming a critical task for any modern online business. The right solution not only reduces the number of abandoned shopping carts but also significantly increases audience loyalty.Billblend recommends approaching the selection and configuration of this service with the utmost responsibility, as this element directly shapes your brand image and the customer’s impression of their interaction with your resource. We will take a detailed look at the technical aspects of connecting the Billblend payment gateway, provide step-by-step instructions for each stage of setup, and offer practical advice on ensuring secure and efficient operation.By following our recommendations, you will be able to confidently integrate the gateway into your resource and significantly increase the efficiency of your business in the competitive e-commerce environment. What is a payment gateway A payment gateway is a specialised service used by companies to process and authorise digital payments from customers on the Internet. Essentially, it is a virtual copy of a bank terminal. The customer enters the details, the service verifies them, and then decides whether to approve the transaction or not. Depending on the payment method, you may be asked to perform an additional action to confirm the transaction.In addition to directly confirming the transaction, the service performs important additional functions, such as communicating with the bank, encrypting and protecting personal data, and protecting the seller from fraud. The main goal of such a solution for businesses is to make purchasing goods simple, fast, and secure.In addition to the basic payment processing functionality, modern services often have additional features such as support for various payment methods (not only cards, but also mobile apps and cryptocurrency wallets), transaction analytics, fraud prevention tools, and much more. Some major market players even allow large sellers to customise their service terms, offering unique rates and options tailored to the specifics of their business. The Billblend platform is an example of a multifunctional payment gateway that supports a huge number of payment methods, covering international markets and various types of financial instruments. For example, Billblend offers customers a wide range of features, including: acceptance of multiple payment types (bank cards, e-wallets, cryptocurrency); automatic payment routing mechanisms to optimise fees; risk analysis and fraud prevention tools; easy online payment gateway integration via API and ready-made modules for different platforms; low transaction costs and transparent pricing policy. These features allow businesses to minimise settlement costs and create a comfortable environment for buyers. How is a payment gateway different from a payment system? Many users often confuse the concepts of ‘payment gateway’ and ‘payment system.’ Let’s take a closer look at the key differences between these two important components of modern e-commerce. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. What is a payment system? It is an infrastructure that facilitates the exchange of funds between market participants. Such systems include well-known brands such as Visa, MasterCard, and American Express. Their main task is to establish uniform standards and rules that banks, merchants, and customers follow when conducting transactions. The role of a payment gateway It acts as a link between the merchant’s website and the banking infrastructure. It is through the gateway that purchase data passes, ensuring the transfer of transaction information and protecting users’ personal data. The gateway guarantees the security of the payment process and simplifies interaction between all parties to the transaction. Why both elements are important These two components are closely interrelated and interdependent. Without a reliable system, it is impossible to process money transfers, and without a properly configured gateway, it is difficult to make online payments. Only a harmonious combination of both technologies ensures comfort and security for end users and the success of the business as a whole. How a payment gateway works Let’s take a step-by-step look at how a transaction is processed through a payment gateway: The buyer selects a product. When the buyer adds a product to their cart and proceeds to checkout, they are taken to a page where they can enter their card or e-wallet details. The data is sent to the server. The information entered by the customer is immediately encrypted and transmitted to the payment gateway server. This procedure protects personal information from being intercepted by malicious parties. The request is sent to the payment system. The payment gateway redirects the received data to the payment system corresponding to the card type (Visa, MasterCard, etc.). Verification by the issuing bank. The request is sent via the payment system to the issuing bank that issued the buyer’s card. There, the account is checked for sufficient funds and suspicious activity. Decision to make the payment. If the verification is successful, the bank confirms the transaction and sends a positive notification back through the payment system and gateway. The transaction is complete. The buyer receives a message confirming that the payment has been completed, and the seller receives confirmation of the purchase. Financial settlement. Within a few business days, the money is transferred to the seller’s account, bypassing any intermediary structures. This multi-step process is automated using special technologies and security systems, making it fast and reliable. Detailed process of integrating a payment gateway into your website The payment integration gateway for website guide is designed to improve the reliability and convenience of

Online payment methods in Turkey Modern businesses in Turkey are facing a rapidly changing digital environment where traditional payment methods are rapidly losing popularity. Until recently, credit cards dominated online commerce, accounting for about 47% of all transactions.However, by 2030, this figure is expected to drop to 32%, giving way to new technologies and payment methods. At the same time, there is a real boom in digital wallets, whose share will almost double, accounting for a third of the market. Why are changes in Turkey’s online payment methods important for business? Because understanding and adapting to new customer preferences in a timely manner is key to a company’s success and competitiveness. In our article, we will discuss the main trends in detail, analyse the most popular online payment methods in Turkey, and explain why it is vital for every entrepreneur to keep their finger on the pulse of these changes. Current trends in e-commerce in Turkey in 2025 E-commerce in Turkey is growing fast and becoming a key driver of the country’s economy. By 2025, online sales are expected to reach an impressive $93.54 billion, with almost three-quarters of purchases made via smartphones and tablets. Key technology trends Among the most notable technology trends are: Augmented and virtual reality. These technologies allow shoppers to interact with products remotely, examine them in detail and test them in a virtual space. Artificial intelligence. Used to personalise offers and improve customer service. Biometrics and alternative payment methods. Biometric identification is growing in popularity, and new payment options are emerging, including cryptocurrencies. Changes in consumer behaviour Shoppers are becoming more demanding and are focused on: instant gratification; the simplest and fastest possible ordering process; a personalised approach from the brand; environmentally friendly products and packaging, and a low carbon footprint. Logistics of the future The logistics sector is also undergoing a transformation, with innovative approaches such as delivery by unmanned drones, which significantly reduce waiting times and improve service quality.Companies that adapt to new conditions and audience needs in a timely manner gain significant competitive advantages and are able to achieve success in Turkey’s dynamic digital market. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Popular payment methods in Turkey Payment methods in Turkey reflect a combination of traditional approaches and the active introduction of new technologies, which is due to economic conditions, cultural characteristics and the influence of external factors. Credit cards and instalments Credit cards are one of the most popular payment methods in Turkey. About half of the population regularly uses them to make purchases, preferring the convenience and accessibility of credit.Moreover, a significant portion of online transactions (about 80%) are made using credit cards, with the majority of them (up to 65%) paid in instalments. This popularity is due to high inflation and the ability to spread expenses over time. Cash payments Despite the widespread use of cashless payments, cash continues to play an important role in the country’s economy. Approximately a quarter of the population prefers to pay for goods and services in cash, especially in small retail outlets and remote regions where cashless payment infrastructure is less developed. Growing popularity of prepaid cards Prepaid cards are growing significantly in popularity, especially among those who want to control their spending and avoid debt. This trend is reinforced by economic difficulties and uncertainty. Development of mobile and digital payments Mobile payments and contactless technologies are rapidly gaining market share.Various mobile apps and services are actively used to make quick and convenient transfers, payments and cash withdrawals. The transition to digital wallets and QR codes is particularly popular among young people, in line with the global trend towards digitalisation in the financial sector. Currency preferences High inflation (over 20%) is driving interest in foreign currencies such as the US dollar and the euro, which are widely accepted alongside the national currency, the Turkish lira.Many residents and tourists prefer to keep their savings and make large transactions in foreign currency in order to minimise financial losses due to exchange rate fluctuations.The country is moving steadily towards further digitalisation of payments, while maintaining the importance of traditional payment methods. What businesses need to accept payments in Turkey Online commerce in Turkey continues to grow at an impressive rate, and providing customers with a convenient and secure payment method is essential for running a successful business. One of the most important components of a successful strategy is choosing the right payment gateway and Turkey payment methods. The need for a payment gateway A payment gateway is specialised software that acts as a link between your online store and the banking system. The main task of a payment gateway is to process transactions, protect confidential customer data and ensure fast and secure money transfers.Without a high-quality payment gateway, no online store can operate effectively. That is why choosing the right solution is so important. How a payment gateway works The payment gateway works like this: The customer picks a product or service and goes to checkout. The system sends the buyer to the payment page provided by the chosen payment gateway. The buyer enters their credit card details or other payment method. The data is sent via an encrypted channel directly to the issuing bank for authentication; The bank confirms or rejects the transaction; The result of the transaction is returned to the buyer and the seller; The funds are credited to the store’s account after all banking procedures are completed. All these steps take less than a second, so payment confirmation is pretty quick. Criteria for choosing a payment gateway When choosing a payment gateway for your business in Turkey, consider the following key factors: Supported payment methods – make sure the gateway supports the most popular Turkey online payment methods, such as credit cards, e-wallets, instalment payments and cryptocurrencies. Ease of integration – choose solutions that

Online payment methods in Italy In Italy, as in many European countries, cash payments have long held the lead, not inferior to non-cash payments. But in recent years, the situation has begun to change. With the advent of digital wallets, cryptocurrencies, and the active development of online stores, new payment methods have become popular. According to recent reports, the digital payments market in Italy reached $56 billion in 2025. The market will grow in the coming years. By 2027, it is estimated at $82 billion. One of the interesting trends is the increase in the average spending of Italians on online purchases. If in 2025 it will be around $1007, then in 2027 it will be $1480. Given these changes, it is important for businesses operating in Italy to know the specifics of the behavior of local customers and the payment methods they prefer.For companies operating in the e-commerce sector, understanding trends in Italy online payment methods is becoming a key factor for success. With the growing demand for high-quality and reliable digital payment instruments, businesses are faced with the need to choose the optimal methods for integrating and managing their payment systems. What are online payment methods Online payment methods in Italy are a variety of mechanisms that allow users to quickly and conveniently purchase goods and services through online stores and electronic platforms. Modern digital payment solutions cover a wide range of methods, from classic credit and debit cards to mobile applications, bank transfers and innovative tools such as QR codes. Each of the payment methods in Italy has its own characteristics and advantages, depending on the level of convenience, accessibility and consumer confidence. The most important advantages of online payments are: Speed and simplicity. Buyers can make a purchase in literally a minute, regardless of location. Convenience of storing money. There is no need to carry large amounts of cash. Additional bonuses and discounts. Many providers offer special loyalty programmes and cashback. No geographical restrictions. The ability to purchase goods and services regardless of the buyer’s country of residence. However, there are a number of potential threats associated with the use of online payments, including cyber fraud and unauthorised access to personal financial data. Therefore, ensuring reliable protection and security is a priority for any business operating in the e-commerce sector. Reasons for the displacement of cash by online payments Traditional forms of payment, such as cash, remain popular in some regions of the world, including Italy. However, the observed decline in the role of cash is linked to the development of digital technologies and changing consumer habits. Let’s look at the key reasons driving the growth in popularity of online payments in Italy: Consumer protection and legislative changes. The European PSD2 directive has raised the security standards for online transactions, reducing the number of fraud cases and increasing consumer confidence in the reliability of digital payments. Accessibility and convenience. Thanks to the development of electronic devices and mobile banking, most Italians have easy access to their finances anywhere, anytime. Regulatory support. European Union policies encourage the use of innovative payment solutions, creating favourable conditions for the development of digital finance. Business competitiveness. Companies offering modern payment methods gain competitive advantages and attract more customers. Economic impact. Electronic payments reduce costs and increase the efficiency of logistics processes, reduce the cost of processing paper documents, and simplify accounting. Online payment methods are becoming an integral part of everyday life for Italians, opening up new opportunities for small and medium-sized businesses, large retailers and international players. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Popular online payment methods in Italy The most frequently used payment methods in Italy include both globally recognised brands and regional alternative payment methods. Many Italians prefer to use services such as: PayPal. One of the leaders in the digital wallet market, which has gained a large market share thanks to its ease of use and high level of security. Skrill. Widely used by users who appreciate the ease of transferring funds and the absence of high commissions. Amazon Pay. Used primarily by buyers on the Amazon platform, providing a fast and secure way to pay for purchases. Google Pay. Popular among Android device users, allowing instant payments directly from your phone. Apple Pay. Gradually gaining popularity among Apple device owners, although it still lags behind other international players. Local players also play an important role in shaping Italy’s payment landscape. These include: SEPA. A European payment system that allows for fast transfers within the eurozone. MyBank. A local solution based on the direct transfer of funds from the customer’s bank account directly to the merchant. BANCOMAT Pay. Uses the PagoBANCOMAT card, popular among many Italians due to its widespread use. Satispay. An attractive mobile app that uses the user’s phone number for identification and fast payments. Choosing the right method depends on a variety of factors, including the age of the target audience, region of residence, and the specific needs of each market segment. Specific features of the Italian online payment market One of the key aspects of success in the Italian market is adaptation to local conditions and cultural characteristics. Local residents highly value convenience and speed of payment, trusting proven sources and well-known brands. Successful strategies require consideration of regional specifics, including preferences for certain types of card products and awareness of taxation rules and financial sector regulations. Overall, cards and e-wallets account for 66% of the total market for online payment methods in Italy – 31% and 35% respectively. This is followed by bank transfers and cash payments, with other payment methods accounting for 17% of the total number of transactions. Italy is distinguished by its unique consumer culture and financial habits. Many shoppers are accustomed to receiving goods immediately after payment and expect similar conditions when shopping online. Thus, timely delivery and

Online payment methods in Brazil Brazil ranks first in Latin America in terms of GDP. With a population of 215 million, the country is actively developing, and the growing popularity of e-commerce is having a particular impact. In 2025, the legalisation of betting also contributed to the increase in demand for online payments. This led to an increase in demand for payment gateway services that support local and international payment methods and work with high-risk businesses. In this article, we will look at the online payment methods available in Brazil, how the market will develop in the coming years, and why choosing a high-quality provider is important for developing a business in the e-commerce sector. What is an online payment system? The online payment system is a special set of technical solutions that allow you to process financial transactions over the Internet. The system itself consists of several elements that work together – a payment method, a gateway for data transfer, and accounts where funds are stored. The transaction processing process takes place remotely, allowing customers to shop from home.Among the most popular payment methods in Brazil are: Credit and debit cards. Traditionally popular among consumers, credit cards allow you to buy goods using borrowed funds. The interest-free period means you don’t overpay for services. Debit cards are different in that the customer only uses their own funds. PIX. An innovative payment system from the Central Bank of Brazil that provides instant transactions 24 hours a day. Boleto Bancário. A traditional method of paying bills through banks and self-service terminals. Digital wallets. Convenient solutions for storing virtual funds and simplifying the money transfer process. BNPL (Buy Now, Pay Later). The ability to purchase goods with subsequent payment in small instalments. The right choice of payment methods Brazil can significantly increase sales and improve customer retention rates. To successfully accept payments on a website or in an app, you need a special payment gateway, such as Billblend. Its task is to act as a link between the customer and the payment system. It is the gateway that receives purchase data from the user, processes it, and sends a request for verification. If the information is correct, the funds are debited; otherwise, the transaction is declined. Without such a gateway, it is impossible to make a purchase, as it is responsible for the entire data processing process. How do online payment systems work? The online transaction mechanism involves a series of sequential steps: Product selection. The buyer adds the item to the basket and initiates the order. Selection of Brazil online payment methods. The convenient payment method offered by the store is determined. Data processing. The information is transmitted through a secure payment gateway that interacts with banks and authentication systems. Authorisation. The bank confirms that there are sufficient funds and authorises the transaction. Final crediting. The funds are debited from the buyer’s current account and credited to the seller’s account in accordance with the terms of the contract. This process takes only a few seconds, ensuring the smooth operation of the trading platform and the satisfaction of customer requests. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Key features of online payment services Most popular payment methods in Brazil work in conjunction with a provider that processes the data. When choosing an intermediary, it is important to consider its functionality and reputation. Below are the most important features to consider. Security Customer data security should be a priority for any service. Reliable providers use data encryption, two-factor authentication, and fraud protection. Billblend uses various methods to protect customer data. Advanced encryption algorithms and PCI DSS compliance make the payment process safe and reliable. The gateway also takes care of business security. It has its own machine learning algorithm designed to detect fraudulent transactions. Efficiency Fast payment processing and minimal errors are important indicators of service quality. High-speed payment gateways can reduce delays in the delivery of goods and increase overall customer satisfaction. Support for multiple payment methods By offering a variety of payment methods, businesses increase the likelihood of completing a transaction. Popular methods include bank cards, e-wallets, mobile apps, and even cryptocurrency.Billblend supports a wide range of payment methods. These include both local and international methods, including cryptocurrency. In total, the gateway supports over 100 payment options. This allows you to accept transfers not only from customers in Brazil, but also from other countries. Effective reporting and support Regular submission of detailed reports on transactions helps to identify problems in a timely manner and prevent potential losses. High-quality technical support guarantees quick resolution of any issues and troubleshooting. Multi-currency For international trade, the ability to process different currencies is becoming a prerequisite for success. Platforms such as Billblend provide automated currency conversion, ensuring a comfortable experience when working with international buyers. By using the Billblend platform, your business will be able to maximise the benefits of high-quality payment processing, ensured by these key factors. Who can benefit from online payments? Virtually any company that sells goods or services online can benefit from the introduction of modern online payment methods in Brazil. It is important to note that successful implementation requires taking into account the preferences of a specific audience, as Brazilian consumers differ from European or American consumers.Below are the categories of businesses that will benefit most from switching to advanced payment methods: online stores; travel agencies; educational institutions; financial advisors; restaurants and cafes; logistics and transport companies; bookmakers, online casinos; financial organisations; adult goods businesses. All of these sectors can significantly increase their revenues and strengthen their position in the local market by implementing effective payment methods in Brazil. The best payment methods in Brazil Buyers in Brazil differ from customers in Europe or the United States. To enter the local market, you need to take into account the specifics of customer

Online payment methods in Germany Germany has long been a leader in financial innovation and economic stability. The current stage is characterised by the rapid growth of e-commerce and online payments, which have become an important part of everyday life for most citizens. The annual volume of digital payments in Germany exceeds €50 trillion, highlighting the significance and scale of this sector. Despite the traditional conservatism of German consumers, caused by mistrust of new technologies, the modern market requires active expansion of the use of online payment methods in Germany. The share of card payments is growing, the popularity of e-wallets is increasing, and new forms of online payment are emerging. The perception of old payment methods, such as SEPA bank transfers and prepayment, is also changing, while remaining the main payment channels for a large number of buyers.When analysing current trends, it is important to understand not only the characteristics of the most used payment methods in Germany, but also the decision-making processes of consumers, their motivations and concerns. It is the competent selection and support of the optimal set of online services that will ensure the success of a business in Germany. What is an online payment method Germany online payment methods involve the transfer of money via digital communication channels. A distinctive feature of such methods is remote execution, which excludes the physical participation of the parties to the transaction. There are several categories of online payments: SEPA bank transfer. A standard and fast way to send money within the European zone. Card payments. The use of physical or virtual cards, including credit and debit cards. E-wallets. Storage and use of card information through intermediary platforms such as PayPal, Google Pay, Apple Pay. Alternative methods. New forms of online payments, such as the BLINK system, which is popular in Poland and is beginning to spread in Germany. Each category has its own advantages and disadvantages that affect its attractiveness and convenience for businesses and consumers. Popular online payment methods in Germany Let’s take a closer look at each category of popular payment methods in Germany and analyse their advantages and disadvantages. SEPA bank transfers The SEPA system is a single European mechanism that ensures fast interbank payments within the Eurozone. It is available to individuals and legal entities, supporting both individual and bulk transactions.Advantages of SEPA: free or low-cost transfers; speed of transactions; accessibility and recognition among consumers. Disadvantages of SEPA: limited area of application (Eurozone countries); need for confirmation of the sender and recipient. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Card payments Credit and debit cards remain popular payment methods in Germany. Card payments are supported by hundreds of thousands of online and offline platforms, making them a convenient form of payment for both everyday purchases and expensive purchases.Advantages of card payments: widespread use and acceptance in most shops; fast payment processing; high level of security (protection against fraud). Disadvantages of card payments: additional fees for international transactions; potential losses due to stolen card details. E-wallets E-wallet services such as PayPal, Apple Pay and Google Pay offer convenient storage of card information and payments with minimal delay. These Germany payment systems occupy a large part of the market, meeting the needs of active online users. Advantages of e-wallets: ease and speed of use; no need to re-enter card details; trust and popularity among young people. Disadvantages of e-wallets: dependence on network connection to the bank or account; some users are concerned about the transfer of personal information to third parties. Alternative methods Some consumers prefer alternative forms of payment, such as BLINK, designed for fast transfers without intermediate steps. Such systems are used by small groups of users looking for non-standard solutions. Some users also choose to pay with cryptocurrency, especially stablecoins.Advantages of alternative methods: increased transfer speed; minimal commission. Disadvantages of alternative methods: low prevalence and limited support infrastructure; insufficient user awareness of features and capabilities. Distribution of payment methods in e-commerce Most popular payment methods in Germany are similar to the global trend, where digital wallets are taking the lead. Wallets already account for 35% of all transactions, and by 2030, their share is projected to grow to 43%. A2A transfers are in second place. Currently, their share is 26%, with projected growth to 27%. Among digital wallets, PayPal, Google Pay and Karna are the most popular. The following options came next: BNPL (buy now, pay later) – 20%; Credit cards – 10% Debit cards – 6%; Cash – 4%; Cryptocurrency – less than 1%. Despite the decline in popularity of credit cards, the total volume of transactions will grow. In 2023, turnover was $10.4 billion and is forecast to grow to $12.1 billion by 2028. It should be noted that digital wallets are not yet widely used in retail trade. Here in Germany, debit and prepaid cards are in first place with a share of 41%, while 35% of transactions are carried out using cash. Digital wallets are in third place, accounting for 9% of transactions. Advantages of online payments for businesses The use of online payment methods in Germany offers significant advantages for businesses: Sales growth. Providing the most used payment methods in Germany attracts more customers and reduces the number of abandoned purchases. Reduced administrative costs. The automated online payment process frees employees from routine tasks such as paper processing and manual accounting. Opportunity for international expansion. Accepting payments in different currencies and cryptocurrencies allows companies to enter the international market and expand their customer base. Attracting a young audience. Teenagers and young adults prefer high-tech solutions such as PayPal and Google Pay, which increases the competitiveness of the business. It is especially valuable to use a single service such as Billblend, which combines more than 100 payment methods, including support for various currencies and cryptocurrencies. Such a platform helps to speed

Online payment methods in the UK Digital payments are becoming increasingly popular among British consumers, as they allow for quick and convenient payment for goods and services online. Modern technologies ensure high transaction processing speeds, enhanced security, and user convenience. However, choosing the right payment methods UK requires an understanding of the characteristics of each solution, including its advantages and disadvantages. In this article, we will look at: the definition of online payments; how online payment systems work; the characteristics of popular online services; the benefits for businesses; the best payment methods in the UK; problems with processing online transactions; future trends. This article will serve as a useful guide for those who want to expand their business and offer their customers different payment methods in UK. What is an online payment system? An online payment system is a set of technical tools and processes that enable the processing of electronic financial transactions. These systems allow customers to make purchases easily and securely over the Internet, providing businesses with access to international markets and increased sales conversion.Today, the market is saturated with various online services, such as: digital wallets; credit and debit cards; bank transfers; buy now, pay later; cryptocurrencies. Each system has its own specific features and is suitable for different types of businesses. The choice of the right service depends on the size of the business, the type of products sold, and customer needs. Please note that most used payment methods UK require a gateway, such as Billblend. The gateway acts as an intermediary between the payment system and the buyer. Without it, purchases cannot be made, as the gateway processes the details provided by the user. The service then verifies the information and sends a response confirming the transaction or refusing to debit the funds. QR code payments The online payment process consists of several stages: Initiation. The customer selects a product or service and initiates the purchase. Method selection. The system allows the customer to choose a convenient payment method (card, wallet, bank transfer). Verification and processing. The customer’s data is transmitted through a secure gateway, verified by the bank and processed by the system. Сonfirmation. After successful verification, the customer receives confirmation of the completion of the transaction. Funds transfer. The funds are transferred to the seller’s current account at the time specified in the contract. Modern services strive to minimise the number of steps and speed up the process, increasing buyer confidence and reducing the risk of cart abandonment.During the transaction, all data is encrypted and cannot be accessed by third parties. This protects both the user and the payment system. Depending on the UK online payment methods selected, rules for approving transactions may be established, such as entering a code from an SMS or a special application. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Key features of online payment services When choosing a service, it is important to consider a number of key features. Security The security of customer data should be a priority for any service. Reliable providers use data encryption, two-factor authentication and fraud protection. An example of a reliable service. Billblend is an innovative company offering a high level of data protection for transactions and modern risk analysis tools. Efficiency Efficiency is about the speed of processing and minimising failures. Services that support instant card verification and automatic order status updates increase customer satisfaction.For example, Billblend provides fast integration with e-commerce sites and simplifies the setup process. Support for multiple payment methods By offering a variety of payment methods, businesses increase the likelihood of completing a transaction. Popular methods include bank cards, e-wallets, mobile apps, and even cryptocurrency. With Billblend, you can choose to work with multiple currencies and payment methods at once. The gateway supports over 100 methods and 70 currencies, including cryptocurrency transactions. Optimisation Optimised interfaces improve user experience and reduce cart abandonment. The ease of placing an order and the absence of unnecessary fields significantly affect the success of transactions. Multi-currency For companies operating in the international market, support for multiple currencies is critical. The ability to convert currencies directly during the payment process increases the attractiveness of the site for foreign customers.Billblend supports international transactions and automatically converts currencies, eliminating inconvenience for customers. Reporting and support Reports and analytics help entrepreneurs track sales, identify weaknesses, and improve processes. The availability of qualified support services contributes to the rapid resolution of emerging issues.The Billblend platform provides detailed statistics and reports, helping business owners analyse financial performance. Who can benefit from online payments? Any business operating in a digital environment can benefit from implementing traditional and alternative payment methods UK. Let’s look at the key categories: E-commerce. Companies that sell goods and services through online stores benefit most from integrating high-quality payment systems. High-risk business. Companies that work in the sports betting or gambling industry, poker rooms, casinos, gaming sites, and other areas. Billblend specializes in this area, so it knows all the features of payments for high-risk trading accounts. Subscription services. Businesses offering subscriptions to products or services benefit from the automation of regular payments. Retail stores. Integrating online payments helps offline stores develop their online presence and attract new customers. Consultants and freelancers. Using payment acceptance platforms improves the customer experience and speeds up the receipt of money. Online payout options are suitable for virtually any type of business seeking to increase profits and improve customer service. The five best payment methods in the UK Shoppers in different countries prefer different methods. In some places, national services play an important role, while in others, international platforms are used. We have identified the five most used payment methods in the UK. We will discuss them in more detail below. Debit and credit cards Traditional forms of cashless payments remain the most popular in the UK. According to a Zilch

Online payment methods in the Philippines The Philippines is a rapidly developing e-commerce market that is attracting the attention of entrepreneurs and investors from around the world. The country has a population of approximately 111.6 million, and its e-commerce market has reached a volume of over $30 billion. Over the past five years, the market has experienced rapid growth, increasing by 400%. This is facilitated by high technology penetration among young people, growing incomes, and government initiatives to develop financial infrastructure. The Philippine economy is showing steady growth thanks to improvements in digital platforms and increased digitisation of payments. According to research, the market will reach $40 billion by the end of 2027. At the same time, the share of transactions carried out via mobile devices is growing, accounting for around 57% of the total. Digital wallets are the most popular, followed by bank cards. We discuss payment methods in the Philippines and why understanding the market structure is particularly important for businesses. Popular payment methods in the Philippines Despite the gradual transition to cashless payments, traditional forms of payment remain important elements of the payment ecosystem. Let’s take a look at the most common payment methods in the Philippines. Bank transfers Bank transfers remain one of the most reliable ways to conduct financial transactions for both individuals and businesses. The main banks are: BDO (Banco de Oro) – the largest bank with an extensive network of branches and ATMs; BPI (Bank of the Philippine Islands) – known for its reliable mobile banking system. Metrobank – provides a wide range of digital banking services. UnionBank – focused on providing convenient digital solutions. However, there are limitations to using bank transfers, such as possible fees for international transactions and the need to visit the bank in person for certain types of transactions. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Mobile wallets Digital wallets are becoming increasingly popular among users. The most well-known mobile wallets include: GCash – the market leader, providing convenient services for shopping, account top-ups and transfers; Maya (formerly PayMaya) – provides universal digital payment services and is a convenient tool for businesses. GrabPay – an integrated payment system within the popular Grab app. The advantages of mobile wallets are their ease of use and wide availability. However, some systems charge additional fees for account top-ups or withdrawals. QR code payments Platforms using QR code technology have been actively developing recently. Popular Philippines payment methods include: QRPh – a standardised system approved by the Central Bank of the Philippines; GCash QR – used by large retailers and small shops; Maya QR – supports interaction with other QR code payment providers. QR code payments are fast and secure, but require merchants to have the appropriate equipment. Cash on delivery This method continues to be popular, especially among less experienced Internet users. Despite the risk of fraud, many consumers prefer to pay for purchases in cash after delivery.The variety of payment methods allows everyone to choose a convenient option that suits their preferences and financial capabilities. Alternative payment methods In addition to popular methods, there are a number of alternative options that are gaining popularity among Filipinos. Among them are: Cryptocurrency — stablecoins and Ethereum are gradually entering everyday life, although they remain a niche solution for now; Buy Now, Pay Later Services — platforms such as Billease allow users to purchase goods now and pay later. Peer-to-Peer Payments — P2P transaction tools enable fast money transfers between users. Among the new services, the Billblend payment gateway stands out, allowing you to process a variety of payment types, including local and alternative methods, providing convenience for customers and businesses. Find out more about how to connect this universal solution during a free consultation. Why is it important for businesses to use different payment methods? Using a wide range of payment methods in the Philippines is key to the success of any business. Consumers choose a company based on the convenience of the payment methods it offers. The more payment options offered, the higher the likelihood of attracting customers and increasing sales. In addition, offering a variety of payment methods helps reduce the risk of payment failures and increase conversion rates. By giving customers a choice, businesses build trust and loyalty among their target audience.Online payment methods play an important role in business development in the Philippines. The rapidly changing digital environment offers entrepreneurs tremendous opportunities to expand their customer base and increase revenue. It is important to consider the preferences of local consumers and offer convenient payment methods in the Philippines. Frequently asked questions What are the most popular payment methods in the Philippines? The most common method is mobile wallet, followed by bank transfer or card payment and cash on delivery. What is QRPh? QRPh is a government initiative aimed at standardising QR codes for payments, developed by the Central Bank of the Philippines. What are the advantages of digital wallets? Digital wallets offer fast and convenient payments, access to various services and discounts from partners. What percentage of online sales are made through digital wallets? According to research, about 34% of online sales are made through digital wallets. What are the problems associated with cash on delivery? The main problem is the risk of fraud and the inability to check the quality of goods before payment. How do I choose the right payment method for my business? The choice of Philippines payment methods depends on the specifics of your business, the preferences of your target audience, and regional characteristics. It is recommended to offer customers several payment options to increase customer satisfaction and sales. The most common method is mobile wallet, followed by bank transfer or card payment and cash on delivery.QRPh is a government initiative aimed at standardising QR codes for payments, developed by the Central Bank of the Philippines.Digital

Popular payment methods in Australia The payment landscape in Australia continues to evolve. Payment methods in Australia are influenced by technological innovations, consumer behaviour, the emergence of new payment methods, and the growing popularity of digital wallets and cryptocurrencies. According to experts, in 2025, the country’s payment market volume amounted to $1.07 trillion. Over the next five years, annual growth of 16.44% is expected, and by 2030, the market will amount to $2.29 trillion. It is important to note that the vast majority of transactions are carried out using non-cash payment methods – debit and credit cards, e-wallets, and cryptocurrency. The New Payments Platform (NPP) has a significant impact on the development of contactless payments. As of April 2025, more than 25 million PayID identifiers are registered in the payment system – a number that allows you to transfer and receive funds.Understanding the structure of online payment methods in Australia is important for entrepreneurs who plan to work in the country or accept payments from Australians. To run an online business, you need a payment gateway to process transactions. One of the most popular in the country remains Billblend. It is a payment gateway for working with high-risk businesses. Billblend accepts payments not only in Australian dollars, but also in more than 70 currencies, including stablecoins.In this guide, we will talk about popular payment methods in Australia and the reasons for their popularity. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Popular payment methods in Australia Australia is one of the world leaders in electronic payments and digital commerce. Payment technologies are developing rapidly thanks to high internet penetration rates (over 96%) and the widespread use of smartphones. Let’s take a closer look at which online payment methods in Australia are currently the most popular in the country. Payment methods Share of the online payment market Features International credit cards 36% Visa, Mastercard, and American Express continue to dominate the credit card market, offering modern solutions for secure transactions. Debit cards 25% The traditional form of cashless payments remains popular, especially among the older generation and those who prefer to control their spending. Buy now, pay later (BNPL) services 13% Leaders in this segment include Afterpay, Zip and Klarna. This method allows shoppers to make purchases with the option of interest-free instalments. Bank transfers 12% Direct transfers between bank accounts are becoming increasingly popular thanks to the development of fast payment infrastructure. Digital wallets 12% Mobile apps such as Apple Pay, Google Pay and Samsung Pay are gaining popularity, especially among the younger population. Other methods 2% These include gift cards, cash on delivery and other alternative payment methods. Understanding the structure of popular payment methods in Australia is important for developing an online business. The growing popularity of fast transfers and digital wallet payments cannot be ignored. It is important for entrepreneurs to choose a payment gateway that supports all of these payment methods. This will allow them to satisfy the demands of both younger audiences and older customers. At Billblend, we offer more than 100 payment methods and support 70+ currencies, including cryptocurrencies, which are becoming popular among young Australians. You can learn more about how the gateway works in the Blog section. Payment technologies in Australia Australia is actively developing advanced payment technologies that allow it to adapt to the changing conditions of international financial relations and the needs of the domestic market. All this makes monetary transactions easier, faster and safer. Here are the most notable solutions shaping the country’s modern financial landscape. New Payments Platform, NPP NPP is a national instant payment system operated by New Payments Platform Australia Ltd. This infrastructure processes more than 2 million transactions daily and connects approximately 72 million users. The platform was developed by Australian Payments Plus and became the basis for a number of innovative products, such as PayID and PayTo. Thanks to NPP, users can instantly send money between accounts, regardless of bank working hours. PayID PayID is a unique identification service that is part of the NPP. Users can link a simple identifier (such as a mobile phone or email address) to their bank account, eliminating the need to remember long BSB details and account numbers. This makes money transfers simple and convenient, even for those who rarely use banking services. By April 2025, the number of registered PayIDs exceeded 25 million, demonstrating the high level of acceptance of the technology by the population. PayTo PayTo is a new standard for regular automatic payments developed on the NPP platform. This service is designed to replace traditional direct debits and offers customers a secure and convenient way to make regular payments, such as utilities, subscriptions and rent. PayTo guarantees transparency and control over regular payments, allowing them to be easily managed directly from the bank’s personal account. QR codes More than 70% of Australian companies successfully use QR codes to accept payments. Buyers scan the code with their smartphone and instantly make a payment through their bank’s mobile app or digital wallet. This technology speeds up customer service and reduces the cost of equipment for retail outlets. Biometric authentication Biometric methods of identity verification (fingerprint, face and voice recognition) are widely used, providing increased security and convenience for users. Most major banks and payment apps offer this option to their customers, reducing the need to enter passwords and PIN codes. Artificial intelligence (AI) Process automation and fraud prevention have become possible thanks to the use of AI solutions. Machine learning helps identify suspicious transactions in real time, reducing the risk of losses for consumers and organisations. Blockchain technology Although cryptocurrencies still occupy a small share of the market, blockchain is actively used to optimise international transfers and increase the transparency of financial transactions. Australians are showing considerable interest in crypto wallets and investments in digital assets, which is stimulating the

Most Popular Payment Methods in Europe for 2025 Recent years have seen a real revolution in online payments. Traditional methods such as bank cards are gradually giving way to digital wallets and direct bank transfers (A2A). This shift is driven by consumers’ desire for a fast, secure and convenient way to pay for goods and services. According to experts, by 2030, digital wallets will become one of the most common payment methods in most European countries, replacing traditional bank cards. It is important to note that each country has unique characteristics and preferences, which requires an individual approach to the choice of payment solutions.The European online payment market is undergoing major changes driven by technological progress, changing consumer preferences and regulatory innovations. To do business successfully in Europe, companies need to understand key trends and popular payment methods in Europe and be able to adapt to constantly changing conditions. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. The history of online payments in Europe The evolution of payment methods in Europe began with simple bank transfers and classic credit cards. Over time, digital wallets, mobile apps and innovative services such as Buy Now, Pay Later (BNPL) appeared. Each stage of development was driven by the need to increase the speed, convenience and security of transactions.Modern users are accustomed to instant transactions and intuitive interfaces. Businesses are forced to adapt by offering customers a wide range of payment methods that meet their expectations.Today, the most popular payment methods in Europe are as follows: Bank cards: account for about 47% of the market, but their share will decline to 32% by 2030. Digital wallets: growing rapidly, reaching 31% of the market by 2030. Direct bank transfers (A2A): also showing steady growth, reaching 22% of the market. Alternative methods, such as cryptocurrencies and BNPL, currently occupy a small share but are attracting the attention of a certain category of consumers. Geographical diversity of payment methods in European countries Maximum personalisation of the customer experience is critical to customer retention. It is achieved in a number of ways: Europe is a mosaic of cultural traditions and economic characteristics, which is reflected in users’ preferences for online payments. Each country has its own unique habits and favourite payment methods, which are shaped by historical, legal and technological factors. Let’s take a closer look at which online payment methods in Europe are most popular in different parts of the region. France The French traditionally prefer card payments, especially the Carte Bancaire system, which is the national standard and widely used in both physical stores and online. In addition, PayLib, a modern mobile payment system that facilitates purchases via smartphones, is actively developing. The French also readily use PayPlug for small online payments. Germany The German online payment market is known for its love of direct debit (ELV), a method whereby funds are debited directly from the buyer’s bank account. This method is considered simple, reliable and inexpensive. Alongside ELV, Germans actively use Sofort and Giropay, which are also based on the principle of direct debiting from a bank account. Italy Italy has historically gravitated towards traditional bank cards, but in recent years there has been a rise in popularity of digital solutions. National payment systems such as CartaSi and Postepay are popular here, as are mobile payment services such as Satispay. At the same time, Italians are keen to use international platforms such as PayPal and Amazon Pay. Poland Poland stands out for its unique approach to mobile payments. The BLIK system has literally taken over the market, accounting for over 50% of all online payments. BLIK allows users to make purchases using a short code received via SMS, making the payment process incredibly fast and convenient. Poles also actively use international payment platforms such as PayPal and Apple Pay. Spain Spaniards have embraced Bizum, a peer-to-peer (P2P) service that allows individuals to transfer money instantly. Bizum is supported by most Spanish banks and has won over users with its simplicity and accessibility. Alongside Bizum, Spaniards actively use traditional bank cards and international payment platforms. Turkey Although Turkey is not formally part of the European Union, it is an important part of the European economic area. Payment preferences are evolving rapidly here. Traditional bank cards are gradually giving way to digital wallets such as iyzico and Papara, which are gaining popularity thanks to their convenience and wide range of features. Turks are also actively embracing direct bank transfers, which are becoming increasingly popular. United Kingdom The United Kingdom is known for its progressiveness in online payments. Digital wallets dominate here, especially PayPal and Apple Pay, which have achieved record market shares. Britons also actively use mobile payments and alternative methods such as Klarna, which offers a convenient ‘buy now, pay later’ scheme. Netherlands The Dutch online payment market stands out for its special attitude towards alternative methods. iDEAL is the undisputed leader here, used by around 70% of the population. iDEAL is integrated with the largest Dutch banks and is perceived as the most reliable and convenient payment method. There is also interest in cryptocurrency payments via BitPay in the Netherlands.The table below shows the share of the three most most popular payment methods in Europe in the total number of online transactions. Forecast for 2030. Country Bank cards (%) Digital wallets (%) A2A payments (%) France 42 23 15 Germany 20 43 27 Italy 14 48 10 Poland 12 15 58 Spain 26 25 32 Turkey 31 31 22 United Kingdom 38 51 5 The most popular online payment methods in Europe Let’s take a closer look at the most popular payment methods in Europe: Bank cards. Traditionally popular, but gradually losing ground. Their advantage is their high level of trust and widespread acceptance. E-wallets. The fastest growing segment, including PayPal, Apple Pay, Google Pay and others. They

Innovation in Payments Technology Modern technology is rapidly changing the landscape of global commerce, and payment innovations are playing a key role in this transformation. Payment innovations in financial technology (fintech) are opening up new business opportunities by reducing costs, speeding up processes and improving transaction security.This article examines eight innovative payment technologies that are having a significant impact on the global economy and international trade relations. These trends are shaping the future of finance and commerce, offering businesses the flexibility, speed and reliability they need to succeed in a globally competitive environment. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Mobility in payment transactions Mobility has long been an integral part of the financial sector. This trend allows customers to pay for goods and services anytime and anywhere, whether they are shopping at home or attending street fairs. The key tools here are mobile cash registers – portable devices capable of issuing cheques anywhere. They are compact monoblocks with a display, built-in printer and fiscal storage, battery-powered and connected to the Internet via SIM card or Wi-Fi. Functionally, these cash registers are identical to their stationary counterparts, but their portability makes them ideal for restaurants, delivery and street vending. Personalisation in customer service Maximum personalisation of the customer experience is critical to customer retention. It is achieved in a number of ways: Multi-channel payment. Giving the customer a choice between different payment methods, including bank cards, e-wallets, cash and QR code-based SBP. Loyalty. Personalised discounts based on the customer’s purchase history to incentivise repeat purchases. Speed of payments. The use of high-speed online cash registers reduces customer wait times both in physical shops and online. CRM systems. Integrating CRM with payment tools, website and feedback channels helps build a personalised relationship with each customer. These measures allow you to create unique offers that match each customer’s preferences. Want to provide maximum personalization and a comfortable payment experience for your customers? Connect to the reliable payment gateway Billblend. Payment by instalments (BNPL) Buy Now Pay Later (BNPL), which allows customers to pay for goods in equal instalments, has gained popularity between 2023 and 2024. This scheme benefits both parties: the seller receives full payment at once, while the buyer makes payments gradually, according to a set schedule, such as fortnightly or monthly. The advantage of BNPL for sellers is an increase in the average cheque by 40%, an increase in sales of expensive goods and an increase in customer loyalty. This technology has been successfully applied on marketplaces and will be extended to other areas of e-commerce and offline sales.Payment by instalments makes the purchase process more comfortable for consumers, avoiding significant one-time expenses, while providing sellers with stable income and expanding their customer base. Development of mobile services Mobile shopping will continue to gain momentum in 2025. Over the past five years, there has been a growing trend of shoppers shopping online. A large proportion of users prefer to select goods and services via smartphone rather than PC. Therefore, it is important for companies to: adapt websites to mobile devices; improve user experience in mobile applications; implement mobile new payment technologies. Internet acquiring will be a key element to ensure that payments are accepted via applications and websites. Cashless payments The younger generation increasingly prefers cashless payment methods, which requires businesses to adapt. Two options can be offered for customer convenience: NFC payment. A smartphone turns into a POS terminal with applications like LIFE POS Lite. Payment by QR code. Connecting the feature through a bank or payment company provides payments. For example, Brazil has the Pix system, which uses a phone number, email address or unique key to transfer between individuals and businesses. We have worked with the Pix system in Brazil. You can read the details of the payment setup here. Artificial intelligence in payment systems Artificial intelligence is being actively used in various aspects of payment processes, including payment processing automation, fraud detection, customer service, personalisation and transaction data analysis. Biometric authentication is also becoming an important part of security.Many countries around the world have already developed roadmaps for integrating AI into the banking sector. Somewhere this has been done at the government level, somewhere as a private initiative. It is impossible to turn a blind eye to the active implementation of neural networks in fintech. Bioacquiring – a new era in payment protection Bioacquiring is a payment system that uses biometric data to identify the user. It offers a high level of security, convenient and fast transactions, and a clean process. Biometrics are difficult to spoof, making it more reliable than traditional methods such as PINs. The convenience of paying with a single touch or glance speeds up the process and improves the customer experience.However, bio-acquiring comes with high implementation costs, dependence on technology and privacy concerns. The need for stable internet and device compatibility limits the use of the system. Possible technical failures are also a concern.Despite these drawbacks, bioacquiring has the potential to increase customer loyalty and improve personalisation of interactions. Digital currencies The popularity of cryptocurrencies has forced governments around the world to recognize the need to improve financial instruments by introducing payment innovation and adapting to new market conditions..A new trend has emerged: the launch or exploration of digital currencies. These are similar to cryptocurrencies, but are issued by a country’s central bank. More than 50 countries are currently exploring the possibility of introducing digital national currencies, including Vietnam, Egypt, Indonesia, the UAE, the US, South Africa and the eurozone countries. Conclusion Innovation in payments technology continues to change global commerce, providing businesses and consumers with more opportunities to interact internationally. Blockchain technologies, mobile payments, digital currencies, biometric authentication and IoT integration are significantly impacting the efficiency and security of trade transactions. The future of global commerce is inextricably linked to the development of

Local Payment Methods in India for 2025 The Indian e-commerce market is growing fast and shows huge potential for growth. Already, over 160 million people in the country are actively shopping online, despite regional and social differences in internet access. Digital transformation is gradually spreading to more and more regions, opening up new opportunities for business.  Key features of the online commerce market in India:  Market growth and scale. As of 2024, the current market volume is approximately $129,1 billion. It is projected to grow to $137 billion by 2027. Indian shoppers spend more than $20 billion annually on foreign platforms. Payment methods. Traditional bank cards are used in only 23% of online transactions. Cash accounts for an insignificant share (5%) of online purchases. Digital payments prevail, accounting for 72%. PayTM, Amazon Pay, and Google Pay are popular platforms. The state-run electronic payment system UPI is widely used. The predominance of mobile technologies. More than 60% of all online payments are made from mobile devices. High-quality mobile adaptation of services and websites is extremely important. Internet audience and its structure. The total number of Internet users exceeds 390 million. There is a marked inequality in Internet access between urban and rural areas. There is a significant gender imbalance: men account for 33% of the Internet audience, compared to 22% of women of the total proportion of residents. Features of the banking system and payment instruments. The number of debit and credit cards issued exceeds 900 million. The leading card systems are international Visa, MasterCard and domestic RuPay. Online banking, direct debit (UPI) and e-wallets are rapidly growing in popularity. These key points will enable you to effectively navigate the Indian online commerce market and successfully develop your business in this region. Key indicators of the Indian e-commerce market. Indicator Value Market volume in 2023-2024 $510 billion Forecast volume by 2030 $300 billion Annual total purchases from foreign sellers Over $20 billion Percentage of mobile transactions Approximately 60%   Distribution of payment methods: Card payments 0 % Cash payments 0 % Bank transfers 0 % E-wallets 0 % Other methods 0 % The most popular e-wallets are: Bank card usage structure: Visa 0 % Mastercard 0 % American Express 0 % Local schemes 0 % Others 0 % Cross-border e-commerce: Percentage of online shoppers making cross-border purchases 50% Total value of cross-border e-commerce $21 billion USD This infographic clearly demonstrates the key aspects of India’s payment ecosystem, highlighting the rapid development of digital payment methods and the importance of the mobile segment in the country’s online commerce structure. Do you have any more questions? Fill out the form and we will contact you *By submitting this application, you consent to the processing of your personal data in accordance with the privacy policy. Features of the Indian payments market The Indian e-commerce market continues to grow rapidly, reaching impressive scales and becoming one of the largest in the world. According to experts, by 2030, online sales in India will exceed $300 billion. To successfully integrate into this promising niche, it is essential to understand local characteristics and consumer preferences regarding payment methods. We have prepared a detailed guide to help your business make the right strategic decisions and choose the best payment methods in India, taking into account the needs of your potential customers. Key trends in the development of the online payment market in India The Indian online payment ecosystem is undergoing a digital renaissance, becoming a global leader in digital financial technology. Below are the key trends shaping the modern online payment industry in India Growth and leadership in the global market India ranks first in the world in terms of the number of real-time digital payments, accounting for 48.5% of the global volume of such transactions. The total volume of money transfers in 2024 amounted to $129.1 billion, making the country the absolute leader in this category. Over the past two financial years, the total number of transactions reached 164 billion, with a total value of $510 billion, demonstrating the enormous scale and activity of the market. The phenomenal success of UPI (Unified Payments Interface) The UPI system, launched by the National Payments Corporation of India (NPCI), has revolutionised the payments industry: UPI’s share of the digital payments market reached 71% in the 2024 financial year. In just five years, the number of transactions through UPI grew from 92 crore to 8,375 crore, showing a compound annual growth rate (CAGR) of 147%. The value of transactions increased from 1 lakh crore to 139 lakh crore, demonstrating a CAGR of 168%. Mobile payments are becoming the norm A quarter of India’s population (about 26.6%) regularly makes purchases using a smartphone, preferring mobile apps and QR codes to traditional bank cards. The development of mobile online payment methods in India has been made possible by government initiatives such as the Pradhan Mantri Gramin Digital Saksharta Abhiyaan (PMGDISHA) digital literacy programme, which aims to improve computer literacy in rural areas. Gradual shift away from cash payments There is a downward trend in the share of cash in circulation: annual cash growth declined from 9.9% in the 2021-22 financial year to 7.8% in 2022-23. This trend has continued over the last two years, but to a lesser extent. Consumers are increasingly choosing online payment methods in India, reducing their use of traditional paper money. Improving financial literacy and government participation The Reserve Bank of India (RBI) is actively promoting digitalisation through educational programmes and information campaigns, such as ‘RBI Says’ or ‘RBI Kehta Hai,’ broadcast through various media channels. These initiatives help the population feel confident and secure in the transition to digital forms of payment. Improving financial literacy and government participation Despite rapid growth, the industry faces cybersecurity challenges. The number of incidents related to financial technology has risen sharply from 53,117 cases in 2017 to 1.32 million in January-October 2023, highlighting the importance of choosing reliable and proven payment solutions. Over the past two years, there has been an increase

Payment Processor It’s hard to imagine a successful business today without advanced online payment solutions. Adding the ability to accept payments in different currencies and from around the world expands the possibilities for companies. This is especially true for businesses that are not focused on a single region. The opportunity in multi-currency transfers, online payments give payment processors. In this article we will consider what this service is, how it works and how to choose the right one for your business in 2025. What is a payment processor A payment processor (or payment system) is a service that provides payment processing between a buyer and seller. This can be either an online payment or a payment through a POS terminal in a shop. Payment processing systems work with different types of cards (Visa, MasterCard, American Express, etc.), as well as with electronic wallets and other payment methods. Having definethe d terminology, it is important to understand how payment processing services work. The payment processing process can be divided into several stages: The first is payment initialisation. The buyer chooses a product or service and proceeds to the purchase. To do this, he enters his card, e-wallet or other payment method on the merchant’s website. The second is data transfer. The payment processor receives the data entered by the buyer. Then it transmits them to the acquiring bank. The third is verification of the information. The merchant bank transmits the user’s data to the issuing bank to verify the availability of funds to make the payment. The fourth is authorisation. If there are enough funds on the balance and the buyer has entered all the data correctly, the issuing bank authorises the payment. Fifth – completion of the transaction. After authorisation, the funds are transferred to the account of the acquiring bank, and the buyer becomes the owner of the goods or services. The process of transaction processing itself may differ depending on the chosen payment system, but the sequence of actions remains the same – creating an application, receiving and transmitting data, processing information, making payment. Why choosing a payment processor is important Payment processing solutions play an important role in ensuring the security and convenience of payments. The processor should be reliable, fast and with a high level of security for both the business and the buyer. The wrong choice of intermediary can lead to loss of customers, disruptions, fraudulent transactions, which in turn leads to losses. Learn more about payment processors and choose the best solution for your business with BillBlend. Let us tell you how to choose a payment processor for your business in 2025. Key selection and evaluation criteria: Security. Make sure the processor is compliant with security standards such as PCI DSS. Support for different payment methods. Choose processors that support popular payment methods, including cards, e-wallets, and mobile payments. For example, BillBlend has over 70 methods and support for 100+ currencies. Commissions and Fees. Compare payment processing fees and additional charges. Platform integration. Make sure the processor integrates seamlessly with your sales management system and website. Support and service. Pay attention to the quality of customer support and the availability of training materials. These are key parameters that will allow you to evaluate the attractiveness of a particular payment processor. You need to assess how much it costs to use the service, how much it improves the user experience and how it solves the problems you have encountered. You can take advantage of a free consultation to optimise your financial transactions with advanced payment solutions from BillBlend. Conclusion Choosing a payment processor is an important step for any business. Modern services offer a wide range of features and capabilities, from supporting different payment methods to adding cryptocurrency transfers. It’s important to consider security, customer convenience and competitive rates when choosing the right solution. Payment processors are becoming an integral part of digital business, and using them wisely can significantly improve the efficiency of your financial transactions. Answers to common questions What is a payment processor? A payment processor is a service that provides payment processing between buyer and seller, ensuring secure and convenient transactions. What types of payments does the payment processor support? BillBlend has support for traditional and modern payment methods. Customers can add payment by bank cards, e-wallets, p2p transfers, agency programmes, cryptocurrency and others. There are more than 70 options in total. What fees does the payment processor charge? Commissions can vary depending on the processor and the type of payment. Typically, it’s a percentage of the transaction amount plus a fixed amount per transaction. How do I choose a payment processor for my small business? When choosing a small business processor, it’s important to consider security, support for different payment methods, commissions, and integration with your systems. What are the benefits of using a payment processor? Benefits include security, customer convenience, the ability to accept payments from different countries and support for different payment methods. What are the risks associated with using a payment processor? Risks can include fraud, processor failures and data loss. It is important to choose services that are reliable and secure. A payment processor is a service that provides payment processing between buyer and seller, ensuring secure and convenient transactions.BillBlend has support for traditional and modern payment methods. Customers can add payment by bank cards, e-wallets, p2p transfers, agency programmes, cryptocurrency and others. There are more than 70 options in total.Commissions can vary depending on the processor and the type of payment. Typically, it’s a percentage of the transaction amount plus a fixed amount per transaction.When choosing a small business processor, it’s important to consider security, support for different payment methods, commissions, and integration with your systems.Benefits include security, customer convenience, the ability to accept payments from different countries and support for different payment methods.Risks can include fraud, processor failures and data loss. It is important to choose services that are reliable and secure. 9

Online Payment Methods in Malaysia Malaysia is one of the top 3 richest countries in Southeast Asia. Over the past five years, there has been a marked increase in the share of online payments. In the country, you can pay with bank cards, direct transfers, e-wallets and other alternatives supported by BillBlend. We will tell you about popular Malaysia payment methods, why the number of users is growing and why it is important to choose a reliable business partner. Why Malaysia is promising for business and online payments E-commerce in Malaysia is actively developing. The country is among the leaders in Southeast Asia. Among the trends to the growth in the number of active users are: Expanding internet user base, especially in rural areas. More people and businesses are using e-commerce to reach a wider market. Growth of mobile commerce. The use of smartphones has changed shopping habits, with mobile commerce accounting for more than 50% of all online transactions. The rise of social commerce. Social media platforms such as Facebook, Instagram and TikTok are fuelling the growth of e-commerce in Malaysia. Growth in online shopping among the elderly. This is supported by digital literacy programmes and campaigns. Development of export e-commerce. Malaysia’s export e-commerce grew by 19 per cent in 2024. Statica, an authoritative publication, estimates that the number of users will increase by 8.1 million between 2024 and 2029, which is 75.91 per cent of the current figure. If you’ve been thinking about connecting online transactions in the region, details of integration and fees can be found on Telegram. The five most popular payment methods are Bank transfers, cards, digital wallets, cash payments and Apple Pay are the five most popular payment methods in Malaysia. Bank transfers The reason for its popularity is the accessibility of the payment method. Up to 90% of the paying population has access to banking services. This means that bank transfer is an affordable and convenient payment method for the vast majority of consumers. Note that some banks are developing their own payment solutions, for example Maybank has introduced Maybank2U Pay, a payment gateway for businesses of all sizes. Debit and credit cards Bank cards have not lost their relevance despite the emergence of alternative payment options. Despite higher fees compared to e-wallets, users trust cards. The payment tool became more accessible after the launch of virtual credit card or digital card projects. E-wallets and digital wallets Malaysia has become one of the leaders in the region in terms of demand for alternative payment methods. E-wallets have many advantages for Malaysian consumers. Instant transfers, the ability to use the wallet for online and offline purchases, and bonus programmes. The most popular wallets are PayPal, Alipay, WeChat and Google Pay, GrabPay, Boost. Cash on Delivery (COD). This is a popular form of cashless payment that allows customers to pay at the time of delivery. Malaysian courier services GDex and Pos Laju provide cash on delivery service. This means that customers of online shops can pay cash on receipt, even if they prefer not to use electronic payment methods. This way, shops can attract more customers who are more comfortable paying in cash. Apple Pay This electronic payment method came to the country in 2022, with only Singapore having introduced the service before Malaysia in Southeast Asia. The main advantages are the contactless payment method and the ability to link the balance to a card or wallet.BillBlend supports all the payment methods mentioned above. In total, we provide support for 50+ options in 70+ currencies. Businesses in Malaysia can use local currencies as well as other currencies, which will ensure a greater influx of users. Importance of payment gateways for businesses in Malaysia A gateway allows you to accept a variety of payment types, be it credit cards, debit cards or e-wallets, providing the flexibility needed to meet the needs of a wide audience. An efficient and secure payment process significantly reduces bounce rates at the checkout stage while building customer confidence. Payment gateways open the door for businesses to expand internationally.Key features when choosing a payment gateway: Protecting customer data is a top priority. Look for gateways that use advanced encryption methods to ensure the confidentiality and integrity of information. Wide range of payment options. The more payment methods the gateway supports, the wider the audience you can reach. Easy integration. The availability of ready-made APIs or plugins greatly simplifies implementation and speeds up launch. Transparency of tariffs. Pay attention to the fee structure for transaction processing, setup costs, and any hidden fees. Quality support. Choose a provider with responsive support ready to help at any time to minimise customer losses and frustration. Choosing the right payment gateway is a strategic decision that affects all aspects of your business. It sets the stage for a reliable and hassle-free payment process, which ultimately leads to increased customer loyalty and revenue growth. Answers to common questions Why is Malaysia attractive for online payment development? This is due to the availability of banking services and the growing popularity of alternative payment methods. Experts believe that by 2029, the user share will grow by 75.91 per cent. What are the most popular payment methods? The top 3 in terms of popularity include bank transfers, debit and credit cards, as well as international and local e-wallets. Why is it important to choose a reliable partner to process online payments? A reliable partner ensures secure transactions, reduces order cancellations and increases customer confidence. It also provides support for various payment methods, which increases audience reach and improves customer experience. Choosing a trusted payment processing gateway like BillBlend ensures the stable operation and reliability of your business. What is COD (Cash on Delivery)? COD (Cash on Delivery) is a payment method in which the customer pays for goods directly upon receipt. This method is particularly popular with those who prefer to pay in cash or don’t trust electronic payments. Courier services such as GDex and Pos Laju offer this service,

Integrated Payment Solutions Today, electronic payments have become an integral part of our world, playing a key role both in business and in everyday life. Companies seeking to offer their customers convenient and reliable ways to pay for goods and services online are increasingly choosing integrated payment solutions. Understanding the features of such systems can be an important success factor in today’s digital economy.Implementing payment systems is not just a matter of choosing a payment method. The process involves many important aspects such as data protection, adaptation to different devices and compliance. In this article, we will discuss the main advantages of such solutions and the algorithm for selecting an integrated system. What is an integrated payment system Integrated payment systems are a type of software that links payment processing with other company systems. Such systems simplify the payment process by linking payments and invoices, reducing the need to do this work manually. Also, an integrated payment system can record transaction information (such as sales price, transaction time, and payment method) in CRM software. Benefits of integrated payment systems: Administrative work and data entry operations are reduced when implementing an integrated solution. All necessary information is automatically transferred to the right systems – be it accounting or CRM. Reduction of errors, which is especially important for accounting. Automatic transfer of payment data helps avoid repetitive transactions, billing errors, and other problems. The system works more accurately, eliminating human error. Fewer intermediate steps between systems reduces the risk of cyberattacks and data breaches. Today’s integrated systems use technologies such as tokenisation, EMV and end-to-end encryption to increase security and comply with PCI standards. Integrating sales data with CRM allows you to better understand customer behaviour, conduct in-depth analysis and build effective marketing strategies. The new systems allow detailed analysis of the type and number of transactions, which will help optimise payment service costs. Thus, switching to an integrated payment system not only saves time and resources, but also provides increased security, accuracy and analytical benefits. How to successfully enable integrated transaction processing To successfully implement an integrated payment processing system, it is important to follow a few key steps. These are described below. Identify business needs Before you begin implementation, analyse your business needs. Answer the following questions: What processes require automation. How much time is spent on manual operations now. What systems are used in the company (CRM, ERP, accounting software). For example, integration with BillBlend will bring your finance and CRM together in one place. What features are needed from the new system Selecting the right vendor Research the market for payment solution providers. Pay attention to the following aspects: Support for the right features and integrations. Reliability and reputation of the company. Cost of services and possible hidden fees. Level of support and customer service. Security compliance (PCI DSS). BillBlend guarantees compliance with international security standards. Integration planning Develop a detailed integration plan. Include: Timeline for each phase. Resources needed to implement the project. Preparation of documentation and instructions for employees. System Testing Conduct testing of all functions and integrations before the full launch. This will allow you to identify and eliminate possible errors and failures. Testing should include: Simulation of actual transactions. Checking compatibility with existing systems. Evaluating the performance and speed of payment processing. Staff training Organise staff training on the new system. It is important that every employee understands how to use the new tools and the benefits they bring. Training may include: Hands-on training. Creating training materials and manuals. Conducting training sessions and workshops. Launching and monitoring After successful testing, put the system into operation. Start with a small volume of transactions, gradually increasing the load. Continuously monitor the system’s performance by tracking: The speed of payment processing. Number of successful and unsuccessful transactions. Feedback from users and employees. BillBlend provides easy-to-use analytics tools to monitor all aspects of financial performance. Support and updates Update your system regularly and keep up to date with changes in legislation and security standards. Work to improve processes and implement new features as needed. By following this plan, you will be able to successfully implement an integrated payment processing system, improving the efficiency and security of financial transactions in your business. Answers to common questions What is an integrated payment system? An integrated payment system is special software that integrates payment processing with other company business systems, such as CRM or accounting software. These systems automate financial processes, minimising manual labour and ensuring accurate transmission of transaction data. What are the features of integration with BillBlend? BillBlend offers extensive integration capabilities with CRM and accounting systems, allowing you to combine financial transaction management and customer interaction in one place. The platform is highly secure and user-friendly, including monitoring and analytics tools. What types of payments do integrated systems support? Most integrated systems support credit/debit card payments, e-wallets, wire transfers and mobile payments. Does a company need specialised technical knowledge to install such a system? No, BillBlend provides off-the-shelf solutions and tech support, but basic IT knowledge will help you learn the setup and integration faster. An integrated payment system is special software that integrates payment processing with other company business systems, such as CRM or accounting software. These systems automate financial processes, minimising manual labour and ensuring accurate transmission of transaction data. BillBlend offers extensive integration capabilities with CRM and accounting systems, allowing you to combine financial transaction management and customer interaction in one place. The platform is highly secure and user-friendly, including monitoring and analytics tools. Most integrated systems support credit/debit card payments, e-wallets, wire transfers and mobile payments. No, BillBlend provides off-the-shelf solutions and tech support, but basic IT knowledge will help you learn the setup and integration faster. 7

Recurring Payments: Definition, Types and Examples Recurring payments are a form of automatic payment where the customer agrees in advance to have a fixed amount of money deducted from their account at regular intervals. This is a convenient option if a customer needs to make regular subscription or loan payments. You do not have to enter data and confirm the transaction regularly. By agreeing to recurring payments, the charges will be made automatically. Types of recurring payments There are several main types of recurring payment solutions, which depend on the nature of the services or goods provided. Subscription Customers regularly pay for access to a service or product. The most common examples are subscriptions to streaming services such as Netflix or Spotify. Money is automatically deducted monthly or annually. Utilities Payments for electricity, water, heating and other utilities are made on a regular basis, most often monthly. The amounts may vary depending on the actual consumption of resources. Rent Lease payments for housing or offices are also often formalised as recurring payments. They are usually made on a monthly basis and may include rent and additional charges. Loan payments Loan or mortgage repayments are made on a regular basis, usually monthly. The size of the payment may include the principal and accrued interest. Insurance Insurance premiums, such as car insurance or health insurance, may be charged quarterly or annually. In some cases, monthly payments are possible. Here are some examples that illustrate the use of recurring subscription payments: Netflix. Every month, users of the service automatically pay for subscriptions to films and TV series. Electricity. Consumers pay for electricity every month according to the meter readings. Mortgage loan. Monthly mortgage loan repayments help property owners to repay the loan. Advantages This method of debiting money for subscriptions, loans or other services has several advantages. Let’s outline the most important ones for recurring payment processor: Automatic payment processing saves time and effort for customers. It is easier to plan the budget, as the debit dates and amounts to be paid are known in advance. Auto-payment reduces the likelihood of delinquency and associated penalties. Disadvantages Despite the advantages, recurring payments have disadvantages as well: It’s important to keep an eye on your account balance to avoid being automatically debited when you plan to make a late payment due to financial problems. If you set up your autopayment incorrectly, there could be erroneous debits that you’ll have to correct. How BillBlend helps you set up recurring payments BillBlend is a robust recurring payment platform that offers easy-to-use tools to set up and manage recurring payments. With BillBlend, you can easily integrate recurring payments into your business, providing convenience for your customers and reliability for your company. BillBlend recurring checks capabilities : BillBlend is a robust recurring payment platform that offers easy-to-use tools to set up and manage recurring payments. With BillBlend, you can easily integrate recurring payments into your business, providing convenience for your customers and reliability for your company. BillBlend recurring checks capabilities : BillBlend recurring checks capabilities : You can define your own payment terms and frequency, whether it’s monthly, quarterly, or annual write-offs. BillBlend tracks the status of each payment and notifies you of any changes, helping you avoid errors and late payments. The platform complies with international security standards (e.g. PCI DSS), protecting customer data and preventing fraud. Our support team is available to answer any questions and help you set up and optimise your recurring payments process. With BillBlend, you can organise recurring payments easily and securely, providing comfort to your customers and stability to your business. Answers to common questions What are recurring payments? Recurring payments are regular automatic debits from a customer’s bank account or card in favour of a service or goods provider. What types of recurring payments are there? There are several types of recurring payments: subscriptions, utilities, rent, credit payments and insurance. What benefits do recurring payments provide? Recurring payments provide convenience, make it easy to budget and reduce the likelihood of missing payments. Do recurring payments have disadvantages? Yes, recurring payments require constant account monitoring and can result in erroneous debits if not set up correctly. Can I cancel a recurring payment? You can cancel a recurring payment by contacting your service provider or the bank that services your account. How do I choose a reliable recurring payment processor? When choosing a processor, pay attention to the level of security, support for different payment methods and feedback from other users. Recurring payments are regular automatic debits from a customer’s bank account or card in favour of a service or goods provider. There are several types of recurring payments: subscriptions, utilities, rent, credit payments and insurance. Recurring payments provide convenience, make it easy to budget and reduce the likelihood of missing payments. Yes, recurring payments require constant account monitoring and can result in erroneous debits if not set up correctly. You can cancel a recurring payment by contacting your service provider or the bank that services your account. When choosing a processor, pay attention to the level of security, support for different payment methods and feedback from other users. 6

Online Payment Methods in Mexico Mexico is the second largest e-commerce market in Latin America, behind only Brazil. Analysts from ClearSale predicted the market to grow by 33% from 2023 to 2026 to reach $176.8 billion in sales. The analysts’ predictions are coming true as the share of online shopping is growing. If you are planning to enter the Mexican market or want to attract customers from this country to your business, it is important to pay attention to local payment methods. Let us tell you about the most popular Mexico online payment methods and why it is important to choose a reliable payment gateway to accept payments. Payment methods for online business in Mexico Let’s consider the main payment methods in Mexico. Bank transfers (SPEI). SPEI is an instant payment system created by the Bank of Mexico. It allows consumers to instantly transfer funds between bank accounts. Benefits of SPEI: High security thanks to a secure infrastructure. Fast transaction processing. Free or low-cost transfers for customers. System for Transfers and Payments (STP) STP is similar to SPEI but is enterprise orientated. It facilitates communication between companies and banks, ensuring that bulk and regular payments are executed efficiently. STP features: Connectivity with major banks in Mexico. Reliability in processing large volume of transactions. Cost-efficiency through low fees. Credit and debit cards Card payments remain important for online business, although debit cards are more popular than credit cards. Major networks include Visa, Mastercard, and local Banorte and BBVA cards. Advantages: Reliable and familiar to customers. Compatibility with international shoppers. Improved security through technologies such as 3D Secure. Cash payments About half of the Mexican population continues to prefer cash payments. The following options are popular: OXXO Pay: Pay through OXXO shops using a barcode. Retailers: Ability to pay at Bodega Aurrera, Walmart, Soriana shops, etc. Digital wallets (Mercado Pago, PayPal). Digital wallets such as Mercado Pago and PayPal are becoming increasingly popular among the younger generation. Their pros: Easy to top up via bank transfers, cards or OXXO Pay. Fast transactions without entering card details. Buyer Protection. Buy now, pay later (BNPL). New services such as Kueski Pay allow shoppers to pay in instalments. Benefits: Flexible payment schedule. Attracting younger shoppers. Increase in average cheque. Each payment method has its own features and advantages. To run a successful online business in Mexico, it is important to offer customers a variety of payment methods, taking into account their preferences and needs. Billblend has support for most local payment methods. Here you can find out how we solved a problem with a quick transfer system in neighbouring Brazil. Benefits of BillBlend: support for different payment methods in Mexico BillBlend is designed to make it easy for businesses to navigate the complex payments ecosystem, especially in markets as diverse as Mexico. Our innovative payment solutions make it easy to adopt key localised payment methods. Wide range of payment options BillBlend supports a variety of payment methods, from bank transfers to digital wallets, to meet the diverse preferences of your customers. This includes support for popular methods such as SPEI, OXXO Pay, Mercado Pago and more, greatly expanding your customer base. Unrivalled security Our solution is equipped with advanced fraud prevention technologies and is PCI DSS Level 1 certified, ensuring the highest level of data protection and confidence in compliance with all regulatory requirements. Full integration The BillBlend platform provides seamless integration with your order management system, allowing you to manage all payments through a single interface. This simplifies the checkout process for customers and reduces the risk of errors. Increase conversions By providing customers with convenient and familiar payment methods, you increase the chances of successfully completing a transaction. According to research, using local payment methods increases conversion rates by 25-30%. Support international growth BillBlend supports multilingual and multi-currency functionality, making it an ideal choice for companies planning to expand into international markets. This allows you to serve customers around the world while maintaining a high level of service. Ongoing support and updates Our team of experts are on hand to assist you with customisation and process optimisation. We regularly update our solutions to stay at the forefront of the industry and meet the challenges of a changing marketplace. BillBlend is more than just a payment gateway, it’s your trusted partner in the world of e-commerce. We help you enter the Mexico market with confidence and efficiency, offering exactly the solutions your customers need. Answers to common questions How do I get started with BillBlend? To get started with BillBlend, contact our team via the official website or message us on Telegram. We’ll help you set up the platform and find the best solution for your business. Can BillBlend help me with customers from different countries? Yes, BillBlend supports multilingual and multi-currency functionality, making it a great choice for businesses looking to expand into international markets. What payment methods does BillBlend support in Mexico? BillBlend supports a wide range of local payment methods including bank transfers (e.g. SPEI), digital wallets (Mercado Pago, PayPal), cash payments (OXXO Pay) and card payments (Visa, Mastercard). To get started with BillBlend, contact our team via the official website or message us on Telegram. We’ll help you set up the platform and find the best solution for your business. Yes, BillBlend supports multilingual and multi-currency functionality, making it a great choice for businesses looking to expand into international markets. BillBlend supports a wide range of local payment methods including bank transfers (e.g. SPEI), digital wallets (Mercado Pago, PayPal), cash payments (OXXO Pay) and card payments (Visa, Mastercard). 5