BillPay Techdocs

Supported Countries and Payment Methods

Payment Methods

What is BillPay?

Invoice and direct debit are among the most popular payment methods in online commerce and should not be over-looked for improving the conversion in any online shop. According to studies, instalment payment is the strongest growth type and can significantly increase the average cart value.

As important as these payment methods are for an online shop, they are equally important for the merchant: the threat of default and managing claims and collection requires time and money. Various studies show, that the benefits offered by a service provider end up being a much more cost-effective solution. Service providers such as BillPay assume the default risk, as well as take over the elaborate processes, all the while providing you with a 100% payment guarantee – leaving you more time to concentrate on your core business.

With BillPay, you can offer your customers the payment methods invoice with a payment due date of 20 or 30 days, direct debit, and the instalment payment “PayLater.” Invoice is available both for private customers (B2C) and business customers (B2B) .

With invoice, customers have the opportunity to review the goods and then pay without having to enter sensitive account or credit card data. Direct debit is considered a proven method of payment in and is preferred by customers, particularly for recurring payments. With instalments, we see both the average cart value and the new customer base increase visibly. Experts emphasize the fact that the purchase in instalments is frequently used by solvent customers and is also suitable for smaller cart values. By offering these types of payment, the number of abandoned carts decreases, cart values increase, and your sales grow.

Professional Know How with a 100% Payment Guarantee

BillPay provides a 100% payment guarantee and takes on not only the entire risk and claims management, but also the customer reimbursement process. You will receive your money even if the customer does not pay.

Why can BillPay bear the risk of default? Extensive expertise and complex fraud prevention systems enable us to perform reliable scoring evaluations in real-time (1-3 seconds). BillPay has many years of experience with processes to increase customer satisfaction and can, for example, offer credit checks prior to payment method selection, leading to even more satisfied customers; preferential treatment for your existing customers; and even individual dunning processes for your customers. Your customer’s happiness and satisfaction is always our primary focus.

Advantages of BillPay?


With BillPay invoice you can offer your customers the most popular payment method in DACH - without risk. Reduce your abandoned carts and increase your earnings.

Your advantages with invoice from BillPay:

  • The most popular payment method in Germany, Austria und Switzerland
  • Increase your earnings with up to 80% less abandoned carts
  • 100% payment guarantee – even if the customer doesn’t pay
  • We provide the risk assessment and debt collection management

Direct Debit

Your advantages with direct debit from BillPay:

  • The second most popular payment method in Germany
  • On average, 25,7 % less returns in comparison to invoice
  • Favourite payment method for point of sale
  • Ideal for recurring payments
  • 100% payment guarantee – even if the customer doesn’t pay
  • We provide the risk assessment,debt collection management, and take on the charge backs


BillPay’s instalment payment “PayLater” offers your customers the flexibility to pay their bill over the course of several months (3, 6, 9, 12 or 24 months). This allows you to significantly increase your sales.

Your advantages with the instalment payment „PayLater“ from BillPay:

  • Increase cart values and expand your customer base
  • Payment method with the largest increase in use
  • No cumbersome identification verification procedure, thereby reducing the number of abandoned carts
  • Quick pay-out to the merchant
  • Customers receive their goods right away
  • Flexible payment plans: 3, 6, 9, 12 or 24 months
  • No hidden fees
  • 100% payment guarantee – even if the customer doesn’t pay
  • We provide the risk assessment and debt collection management

An Easy Integration

BillPay offers you a quick and easy integration of all payment methods into your online shop or P.O.S. solution.

Integration Options: * BillPay provides plug-ins for the popular shop systems. For more information click here. * Direct connection to our API for all open source systems or in house developed solutions * Use of the BillPay PaymentPage without any IT effort

The Integration

Generally speaking, the typical duration of an integration project from the plannig to go live is somewhere between 1 and 6 weeks, depending upon the available resources and complexities of the shop and order management systems. To help simply the integration and reduce the required development time, BillPay provides programming libraries in Java, PHP and .NET.

Sample Checklist

  • Front-end: The BillPay payment methods are correctly displayed. The javascript widget is properly integrated in the payment selection page.
  • Front-end: Orders are able to be successfully placed in the BillPay system via your shop system.
  • Front-end: Should you display payment method logos in the footer of your website or in the payment method selection portion of your checkout, it is necessary for you to also include the relevant BillPay logos.
  • Front-end: The BillPay terms and conditions and privacy statement text passages are integrated into the merchant’s terms and conditions and privacy pages.
  • Back-end: Activation of the order in the BillPay system (shipping notification) – either via our XML API or via the BillPay BackOffice CMS suite.
  • Back-end: Changes to orders and partial cancellations are successfully communicated to BillPay – either via our XML API or via the BillPay BackOffice CMS suite.
  • Back-end: Complete cancellations are successfully communicated to BillPay – either via our XML API or via the BillPay BackOffice CMS suite.
  • Customer Documents: The order confirmation contains the required BillPay relevant texts.
  • Customer Documents: The order invoice contains the required BillPay relevant texts and does not contain the merchants bank account details.

The Javascript Widget

The core of all integrations is the BillPay JavaScript widget, which displays all BillPay payment method relevant fields and information in a conversion optimized and standardized fashion.

As a recognized brand in over 6000 shops in Germany, Austria, Switzerland, and the Netherlands, your customers will value the trusted payment method.


  • Conversion-optimized
  • Responsive
  • Reduces the integration time and requirements – no reason to re-invent the wheel.
  • SEPA compliant with an integrated IBAN converter
  • No need to enter the BIC for German IBANs
  • Inline implementation – no iFrames or redirects
  • Fraud detection tools directly integrated

For integration projects where the shop system is developed in-house or BillPay does not offer a plug-in, it is a requirement to implement the BillPay Widget for the display of the BillPay payment methods.

The Customer Portal

The BillPay Customer portal makes it possible for your customers to manage and review their open BillPay orders anytime and from anywhere. Your customers can:

  • Pause their payment
  • Delay the date their account will be debited
  • Change the payment method (i.e. from invoice to instalments)
  • Pay off their instalment plan early
  • Swiss customers can order a red payment slip

The customer portal is integrated into our website and can be accessed at

Mock-ups and a detailed description can be found here.

The BackOffice

The BackOffice test system is very useful to help you during the integration process by verifying that orders and requests received via the BillPay interface are correct.

The BackOffice is a browser-based CMS and displays all valid order requests that were submitted to BillPay.

In addition, some of the XML service requests can be performed by “manual” actions, for example cancellations or changes to cart values.

The login credentials for the BackOffice test system are available upon request via our technical support team. Further details about the BackOffice can be found here

The Payment Page

The BillPay payment page is a web interface for placing customer orders. The payment page is tailored to provide an offline solution at the POS, as well as in a call center.

The merchant enters the customer data and basket value to perform the identity and credit check of the customer. BillPay reports in real time whether or not the customer is accepted and the order can be confirmed.


  • Compatible with all browsers
  • Zero overhead for the integration
  • Quick to get off the ground and perfect for pilot projects and testing

On the following pages you will find a description of the order process:

Weekly Settlement

Every merchant will receive access to a weekly settlement file via download link in the BillPay BackOffice using the dedicated “controlling” user credentials.

You will receive an e-mail notification as soon as the weekly settlement file is available. The settlement period runs from Monday to Sunday of the prior week. The files are available to be downloaded in the following formats:

  • PDF
  • CSV

Included are the individual orders accrued during the billing period as well as their amount and the fees incurred.

Index Column Format Description
1 Type of Fee Num(2) 0: transaction fee (minimum), 1: setup fee, 2: monthly fee, 3: transaction fee, 4: cancellation fee, 15: VAT recovery 7,00%, 16: VAT recovery 19,00%, 17: credit check costs, 18: direct customer payment, 19: Dunning fee coverage
2 Description of Fee ANum(50) Description of fee
3 Portal ID Num(6) BillPay portal ID
4 Merchant order reference ANum(40) The merchant’s order reference, submitted with the preauthorization
5 Merchant customer ID ANum(40) The merchant’s customer ID
6 BillPay customer ID Num(10) BillPay’s customer ID
7 Debt ID Num(10) BillPay’s debt ID
8 Debt amount (-)Float(8:2) The total amount to be paid out to the merchant
9 Disagio[%] Float(1:4) BillPay fee in percent
10 Transaction fee (-)Float(8:2) BillPay fee in EUR
11 Order date YYYMMDD Order date
12 Date of activation YYYYMMDD Date of activation
13 Payment due date YYYYMMDD The customer’s payment due date
14 Customer country ISO 3166 alpha-3 The customer’s country (e.g. DEU)

Additionally, the files can be downloaded via a https request, which lends itself to being built into an automated process. For more information about this process, click here.


The preferred BillPay payment logos for display on your website and in your checkout, as well as all of our programming libraries can be downloaded here:

Version history

[2.2.0] - 2017-10-04

The version 2.2.0 is not fully backwards compatible to 2.1.0


  • Request: getOrderDetails.xsd

  • Response: getOrderDetails.xsd

  • Request: prescore.xsd

    • attribute expecteddaystillshipping


  • Request: shiftDueDate.xsd
    • changed attribute newduedate from type date to the name shiftdatesby from the type integer in the range 1 to 90

[2.1.0] - 2017-06-19

The version 2.1.0 is not fully backwards compatible to 2.0.0


  • Request: preauthorize.xsd
  • Request: prescore.xsd

    • allowed values from attribute historicaltripcurrency changed from char to enum
  • Response: invoiceCreated.xsd

    • element name has been changed from “invoice_numbers” to “assigned_invoice_number”. Only the invoice_number node for the currently activated suborder is returned.

[2.0.0] - 2017-07-03


  • Notificatons: asyncCapture.xsd

  • Request: cancel.xsd

  • Request: capture.xsd

  • Request: editCartContent.xsd

  • Request: getBillPayBankData.xsd

  • Request: invoiceCreated.xsd

  • Request: partialCancel.xsd

  • Request: preauthorize.xsd

  • Request: prescore.xsd

  • Request: reportCustomerPayment.xsd

  • Request: shiftDueDate.xsd

  • Request: updateOrder.xsd

  • Response: cancel.xsd

  • Response: capture.xsd

  • Response: editCartContent.xsd

  • Response: getBillPayBankData.xsd

  • Response: invoiceCreated.xsd

  • Response: partialCancel.xsd

  • Response: preauthorize.xsd

  • Response: prescore.xsd

  • Response: reportCustomerPayment.xsd

  • Response: shiftDueDate.xsd

  • Response: updateOrder.xsd

Should you have any questions relating to this manual and/or integrating BillPay payment methods, please feel free to contact us via