Payment methods directory

A United States PIN debit and ATM network owned by Fiserv. Merchants can route eligible debit card payments over Accel instead of the card's main network.

United States · Run by Fiserv · Official website of Accel (opens in a new tab)

The United States batch payment network for electronic transfers between bank accounts. It carries payroll, bill payments and supplier payments, settling on a later business day.

United States · Run by Nacha (ACH Network) with the Federal Reserve and The Clearing House as operators · Official website of ACH (opens in a new tab)

A way for merchants to pull payments from a customer's United States bank account over the ACH network after the customer authorises it, common for bills and subscriptions.

United States · Run by Nacha (ACH Network) · Official website of ACH Direct Debit (opens in a new tab)

A lease to own provider in the United States. Shoppers lease furniture, electronics, tyres and other goods from partner retailers and can take ownership through payments or an early buyout.

United States · Run by Acima (Upbound Group) · Official website of Acima (opens in a new tab)

A pay over time lender in the United States and Canada. Shoppers choose Affirm at checkout, see the full cost of a plan before agreeing and repay in fixed instalments.

United States, Canada · Run by Affirm, Inc. · Official website of Affirm (opens in a new tab)

A buy now pay later service that splits a purchase into equal instalments paid every two weeks. Shoppers choose Afterpay at checkout online or in store. It trades as Clearpay in the UK.

United States, Canada, Australia, New Zealand · Run by Block, Inc. · Official website of Afterpay (opens in a new tab)

A business travel payment provider offering central company accounts and corporate cards. Employers use AirPlus account numbers to pay airlines, hotels and travel agencies and receive consolidated invoices.

Global · Run by Lufthansa AirPlus Servicekarten GmbH · Official website of AirPlus (opens in a new tab)

A checkout option that lets shoppers pay on other merchants' websites using the cards and addresses saved in their Amazon account, without creating a new account.

United States, United Kingdom, Germany, France, Italy, Spain, Japan · Run by Amazon · Official website of Amazon Pay (opens in a new tab)

A card network that issues its own charge and credit cards and also licenses partner banks. Cardholders pay online or in stores where Amex acceptance is displayed.

Global · Run by American Express Company · Official website of American Express (opens in a new tab)

A digital balance inside Apple Wallet in the United States. Users receive and send money in Messages or Wallet and spend the balance anywhere Apple Pay is accepted.

United States · Run by Apple Inc. · Official website of Apple Cash (opens in a new tab)

A wallet built into Apple devices that stores tokenised cards. Shoppers pay by tapping an iPhone or Apple Watch in stores, or confirm online and in app payments with Face ID or Touch ID.

Global · Run by Apple Inc. · Official website of Apple Pay (opens in a new tab)

A decentralised cryptocurrency. Shoppers pay by sending bitcoin from a wallet to an address or QR code provided by the merchant, usually through a crypto payment processor.

Global · Official website of Bitcoin (opens in a new tab)

A payment layer built on Bitcoin for fast, low value transfers. Shoppers scan a Lightning invoice with a compatible wallet and the payment settles almost immediately.

Global · Official website of Bitcoin Lightning Network (opens in a new tab)

A crypto payment processor that lets merchants accept bitcoin and other cryptocurrencies. Shoppers pay from their wallet by scanning an invoice, and merchants can settle in local currency.

Global · Run by BitPay, Inc. · Official website of BitPay (opens in a new tab)

A pay over time option from Bread Financial offering instalment loans and split payments. Shoppers apply at the checkout of participating United States retailers.

United States · Run by Bread Financial · Official website of Bread Pay (opens in a new tab)

A checkout option for Cash App users in the United States. Shoppers scan a code or are redirected to the Cash App to approve the payment from their balance or linked card.

United States · Run by Block, Inc. · Official website of Cash App Pay (opens in a new tab)

A Fiserv walk in bill payment service. Customers pay utility and other bills in cash at participating United States retail locations, and the payment is sent to the biller.

United States · Run by Fiserv · Official website of CheckFreePay (opens in a new tab)

A card network checkout standard based on EMV Secure Remote Commerce. Shoppers recognised by email or phone can pick a saved card at checkout instead of typing card details.

Global · Run by EMVCo standard run by Visa, Mastercard, American Express and Discover · Official website of Click to Pay (opens in a new tab)

The Mastercard debit card brand, linked to a bank account so purchases draw funds directly. It is accepted online and in stores wherever Mastercard is taken.

Global · Run by Mastercard Inc. · Official website of Debit Mastercard (opens in a new tab)

A charge and credit card brand issued by franchise partners in many countries. It runs on the Discover Global Network and is common for travel and business spending.

Global · Run by Capital One (Discover Global Network) · Official website of Diners Club International (opens in a new tab)

A United States card brand and network, now part of Capital One. Discover cards are accepted online and in stores, and the network links with partner schemes abroad.

Global · Run by Capital One (Discover Global Network) · Official website of Discover (opens in a new tab)

An electronic version of a paper check, where the shopper enters bank routing and account numbers at checkout and the merchant collects the funds through the ACH network.

United States · Run by Nacha (ACH Network) · Official website of eCheck (opens in a new tab)

A blockchain network with its own currency, ether, which also hosts stablecoins and other tokens. Shoppers pay from a crypto wallet to a merchant address shown at checkout.

Global · Official website of Ethereum (opens in a new tab)

A guest checkout option from PayPal. Shoppers who saved details once are recognised by email on participating sites and can pay with a stored card after a quick code check.

United States · Run by PayPal Holdings, Inc. · Official website of Fastlane by PayPal (opens in a new tab)

The Federal Reserve's instant payment service, which lets participating banks send and settle payments around the clock. Customers reach it through their bank's apps and services.

United States · Run by Federal Reserve · Official website of FedNow (opens in a new tab)

The Federal Reserve's wire transfer system for large and urgent payments between United States banks. Customers request wires through their bank, and settlement is final.

United States · Run by Federal Reserve · Official website of Fedwire Funds Service (opens in a new tab)

A Canadian point of sale financing provider. Shoppers apply in store or online at partner retailers and pay through a revolving account with promotional financing plans.

Canada · Run by Flexiti Financial · Official website of Flexiti (opens in a new tab)

A contactless payment feature on compatible Garmin watches. Users add supported bank cards in the Garmin app and pay by holding the watch near a payment terminal.

Global · Run by Garmin Ltd. · Official website of Garmin Pay (opens in a new tab)

A Google wallet service that stores cards for online, in app and contactless payments. Shoppers choose Google Pay at checkout or tap an Android phone at a payment terminal.

Global · Run by Google LLC · Official website of Google Pay (opens in a new tab)

The Canadian domestic debit card network. Shoppers pay from their bank account by inserting or tapping a bank card in stores, or through mobile wallets and some online checkouts.

Canada · Run by Interac Corp. · Official website of Interac Debit (opens in a new tab)

A Canadian service for sending money from a bank account using an email address or mobile number. Businesses use it to request and receive payments from customers.

Canada · Run by Interac Corp. · Official website of Interac e-Transfer (opens in a new tab)

A former Canadian online banking payment option that redirected shoppers to their bank to approve a purchase. Interac has retired it, and online debit payments now use Interac Debit.

Canada · Run by Interac Corp. · Official website of Interac Online (opens in a new tab)

A PIN debit network owned by Visa in the United States. Cardholders enter a PIN or tap at checkout and the payment is taken from their bank account.

United States · Run by Visa Inc. · Official website of Interlink (opens in a new tab)

A Japanese card scheme that issues and licenses credit, debit and prepaid cards. JCB cards are accepted online and in stores in Japan and through partner networks abroad.

Global · Run by JCB Co., Ltd. · Official website of JCB (opens in a new tab)

A lease to own payment option for United States shoppers, often those with limited credit. Customers lease goods such as furniture or electronics and can buy them out early.

United States · Run by Katapult Holdings, Inc. · Official website of Katapult (opens in a new tab)

A buy now pay later provider offering payment in instalments, pay later and financing at checkout. Shoppers apply in the checkout or the Klarna app and repay Klarna over time.

Global · Run by Klarna Bank AB · Official website of Klarna (opens in a new tab)

A United States provider of lease to own and financing options at partner retailers, aimed at shoppers who may not qualify for traditional credit.

United States · Run by Koalafi · Official website of Koalafi (opens in a new tab)

A wallet from Stripe that saves a shopper's cards and bank accounts. At checkouts that use Stripe, returning users verify with a code and pay without retyping their details.

Global · Run by Stripe · Official website of Link (opens in a new tab)

A Mastercard debit brand long used for chip and PIN payments, especially in Europe. Mastercard is phasing it out in favour of Debit Mastercard, though many cards remain in use.

Global · Run by Mastercard Inc. · Official website of Maestro (opens in a new tab)

A card network whose credit, debit and prepaid cards are issued by banks around the world. Shoppers pay online with card details or in stores by tap, chip or digital wallet.

Global · Run by Mastercard Inc. · Official website of Mastercard (opens in a new tab)

Mastercard branded cards that hold a loaded balance, including gift, reloadable and payroll cards. Shoppers spend the balance at any merchant that accepts Mastercard.

Global · Run by Mastercard Inc. · Official website of Mastercard Prepaid (opens in a new tab)

A United States debit and ATM network. Debit cards with the NYCE mark can be used for PIN purchases, bill payments and cash withdrawals across the country.

United States · Run by NYCE Payments Network · Official website of NYCE (opens in a new tab)

A bill payment platform that lets customers pay in cash at participating United States retail stores using a barcode, and also supports card, bank and app payments.

United States · Run by PayNearMe, Inc. · Official website of PayNearMe (opens in a new tab)

A digital wallet where shoppers store cards, bank accounts and a balance. At checkout they log in to PayPal and confirm the payment without entering card details on the merchant site.

Global · Run by PayPal Holdings, Inc. · Official website of PayPal (opens in a new tab)

A reusable line of credit offered through PayPal. Approved users select it at PayPal checkout and repay over time, with promotional financing on some purchases.

United States, United Kingdom · Run by PayPal Holdings, Inc. · Official website of PayPal Credit (opens in a new tab)

PayPal's buy now pay later options, such as short interest free instalment plans and longer monthly plans. Shoppers choose them inside the PayPal checkout where the merchant accepts PayPal.

United States, United Kingdom, Germany, France, Italy, Spain, Australia · Run by PayPal Holdings, Inc. · Official website of PayPal Pay Later (opens in a new tab)

A United States online checkout wallet offered by banks. Cardholders select Paze at checkout and choose from the eligible credit and debit cards their bank has already loaded.

United States · Run by Early Warning Services · Official website of Paze (opens in a new tab)

A United States shopping and credit platform where purchases are repaid through direct deductions from the customer's paycheck, aimed at people building credit.

United States · Run by Perpay Inc. · Official website of Perpay (opens in a new tab)

The Canadian direct debit method, where a customer authorises a business to withdraw recurring or one time payments from their bank account. Common for bills, rent and subscriptions.

Canada · Run by Payments Canada · Official website of Pre-Authorized Debit (PAD) (opens in a new tab)

A lease to own payment option offered at United States retailers. Customers lease items through Progressive and can own them after completing payments or by paying early.

United States · Run by PROG Holdings, Inc. · Official website of Progressive Leasing (opens in a new tab)

A United States debit and ATM network. Banks place the PULSE mark on debit cards, and merchants can route PIN and PINless debit payments over it.

United States · Run by Capital One (Discover Global Network) · Official website of PULSE (opens in a new tab)

A United States instant payment network run by The Clearing House. Participating banks use it for immediate account to account payments, payouts and request for payment messages.

United States · Run by The Clearing House · Official website of RTP (opens in a new tab)

An ACH option that settles eligible credit and debit payments on the same business day they are submitted, used for urgent payroll, bill payments and refunds.

United States · Run by Nacha (ACH Network) · Official website of Same Day ACH (opens in a new tab)

The payment feature inside Samsung Wallet on Galaxy devices. Users add bank cards and pay by tapping their phone or watch in stores, and at some online checkouts.

Global · Run by Samsung Electronics · Official website of Samsung Pay (opens in a new tab)

A buy now pay later service in the United States and Canada. Shoppers split purchases into interest free instalments at checkout online or through the Sezzle app.

United States, Canada · Run by Sezzle Inc. · Official website of Sezzle (opens in a new tab)

A member owned debit network in the United States serving community banks and credit unions. Cardholders use SHAZAM debit cards for purchases and ATM withdrawals.

United States · Run by SHAZAM, Inc. · Official website of SHAZAM (opens in a new tab)

An accelerated checkout from Shopify that saves a shopper's email, address and payment details. Returning shoppers confirm with a code and pay at participating Shopify stores.

Global · Run by Shopify · Official website of Shop Pay (opens in a new tab)

A pay over time option inside Shop Pay, with loans provided through Affirm. Shoppers at Shopify stores choose instalments at checkout and manage payments in the Shop app.

United States · Run by Shopify and Affirm · Official website of Shop Pay Installments (opens in a new tab)

A lease to own and financing provider for United States shoppers with limited credit history. Customers apply online or in store and pay for goods through scheduled payments.

United States · Run by Snap Finance · Official website of Snap Finance (opens in a new tab)

An instalment service that uses the shopper's existing credit card. The full amount is held on the card's credit limit and charged in monthly parts, without a new loan.

United States, Canada, United Kingdom, Australia · Run by Splitit · Official website of Splitit (opens in a new tab)

A United States debit network run by Fiserv. Debit cards carrying the STAR mark can be used for PIN and PINless purchases at stores, online and at ATMs.

United States · Run by Fiserv · Official website of STAR (opens in a new tab)

A point of sale financing provider used at auto service centres, dental offices and retailers in the United States. Customers apply at the counter and repay in monthly instalments.

United States · Run by Sunbit, Inc. · Official website of Sunbit (opens in a new tab)

International bank transfers sent over the Swift messaging network between banks in different countries. Merchants and businesses share their bank details and customers send funds from their own bank.

Global · Run by Swift · Official website of SWIFT wire transfer (opens in a new tab)

A consumer finance company providing store credit cards, promotional financing and pay later loans for retailers and healthcare providers. Shoppers apply at checkout or in store.

United States · Run by Synchrony Financial · Official website of Synchrony (opens in a new tab)

A payment network owned by airlines for travel purchases. Companies use UATP account numbers, often as corporate travel accounts, to pay for flights and related services with participating merchants.

Global · Run by UATP (Universal Air Travel Plan) · Official website of UATP (opens in a new tab)

The international arm of China UnionPay, which issues and acquires UnionPay cards outside mainland China. Cardholders pay by chip, PIN, contactless tap or card details online.

Global · Run by UnionPay International (China UnionPay) · Official website of UnionPay International (opens in a new tab)

A pay over time provider focused on travel, used by airlines, cruise lines and tour operators. Travellers book now and repay the trip in monthly instalments.

United States, Canada · Run by Upgrade, Inc. · Official website of Upgrade Flex Pay (formerly Uplift) (opens in a new tab)

A stablecoin issued by Circle and designed to hold the value of the US dollar. It runs on several blockchains and is used for crypto checkout payments and transfers.

Global · Run by Circle · Official website of USDC (opens in a new tab)

A dollar stablecoin issued by Tether that runs on several blockchains. It is widely used on crypto exchanges and accepted by some merchants through crypto payment processors.

Global · Run by Tether · Official website of USDT (opens in a new tab)

A chip and PIN debit card brand from Visa issued in Europe for payments within the region. Banks are replacing it with Visa Debit cards, which also work online.

Austria, Belgium, Switzerland, Germany, Spain, Italy, Luxembourg, Netherlands · Run by Visa Inc. · Official website of V PAY (opens in a new tab)

A United States payment app owned by PayPal, used to send money between people. Shoppers can also choose Venmo at online checkouts and pay from their Venmo balance or linked cards.

United States · Run by PayPal Holdings, Inc. · Official website of Venmo (opens in a new tab)

A card network whose credit, debit and prepaid cards are issued by banks worldwide. Shoppers pay by card number online, by contactless tap or by chip and PIN in stores.

Global · Run by Visa Inc. · Official website of Visa (opens in a new tab)

The Visa debit card brand, linked directly to a bank account. Purchases draw funds from the account and are accepted wherever Visa cards are taken, online and in stores.

Global · Run by Visa Inc. · Official website of Visa Debit (opens in a new tab)

An older Visa debit brand that required an online authorisation for every purchase. Banks have largely replaced it with Visa Debit, but merchants still see it in card acceptance lists.

Global · Run by Visa Inc. · Official website of Visa Electron (opens in a new tab)

Visa branded cards loaded with funds in advance, including reloadable, gift, payroll and government benefit cards. They work like debit cards at merchants that accept Visa.

Global · Run by Visa Inc. · Official website of Visa Prepaid (opens in a new tab)

A consumer financing option embedded in software used by home service and repair businesses in the United States. Customers apply on their phone and repay the job in instalments.

United States · Run by Wisetack, Inc. · Official website of Wisetack (opens in a new tab)

A United States bank network for sending money between bank accounts using an email address or mobile number, through banking apps or the Zelle app. Some small businesses accept it.

United States · Run by Early Warning Services · Official website of Zelle (opens in a new tab)

A buy now pay later provider, formerly Quadpay in the United States. Shoppers split purchases into instalments at checkout or use the Zip app to pay at stores.

United States, Australia, New Zealand · Run by Zip Co Limited · Official website of Zip (opens in a new tab)

A French pay later provider. Shoppers split a purchase into several monthly card payments or defer payment, both in online stores and at physical points of sale.

France, Belgium, Germany, Italy, Spain, Netherlands · Run by Alma · Official website of Alma (opens in a new tab)

A Spanish instant credit option for online checkouts. Shoppers spread purchases over monthly instalments or defer payment after a quick online application.

Spain · Run by Aplazame (WiZink) · Official website of Aplazame (opens in a new tab)

The Swedish direct debit service. Customers authorise a company to collect recurring payments such as subscriptions and bills directly from their bank account.

Sweden · Run by Bankgirot · Official website of Autogiro (opens in a new tab)

A Nordic checkout and payment provider. Shoppers can pay by invoice or part payment as well as by card and local methods within the Avarda checkout.

Sweden, Norway, Finland, Denmark · Run by Avarda · Official website of Avarda (opens in a new tab)

The Norwegian direct debit service. Customers approve a payment agreement with a company, and recurring bills are then debited automatically from their bank account.

Norway · Run by Mastercard Payment Services · Official website of AvtaleGiro (opens in a new tab)

The UK direct debit scheme for sterling bank accounts. The customer signs a mandate and the merchant collects recurring or variable amounts, protected by the Direct Debit Guarantee.

United Kingdom · Run by Pay.UK / Bacs Payment Schemes · Official website of Bacs Direct Debit (opens in a new tab)

The Italian mobile payment service of BANCOMAT. Customers of participating banks pay online, in stores and to other people from their bank app using a phone number.

Italy · Run by BANCOMAT S.p.A. · Official website of BANCOMAT Pay (opens in a new tab)

The Belgian domestic debit card scheme. Bancontact cards from Belgian banks are used in shops and online, where shoppers enter card details or scan a QR code with an app.

Belgium · Run by Bancontact Payconiq Company · Official website of Bancontact (opens in a new tab)

The Belgian mobile payment app formerly called Payconiq by Bancontact. Users link a bank card and pay by scanning a QR code in stores or online, or by sending money to contacts.

Belgium · Run by Bancontact Payconiq Company · Official website of Bancontact Pay (opens in a new tab)

The Norwegian domestic debit card scheme. Most Norwegian bank cards carry BankAxept for payments in physical stores, and it is available in mobile wallets.

Norway · Run by BankAxept AS · Official website of BankAxept (opens in a new tab)

A Swedish giro number system for paying invoices. Payers transfer money to a company's bankgiro number from online banking, and the payment is routed to the right account.

Sweden · Run by Bankgirot · Official website of Bankgiro (opens in a new tab)

The Danish direct debit service. Households register bills such as rent and utilities, which are then paid automatically from their bank account on the due date.

Denmark · Run by Mastercard Payment Services · Official website of Betalingsservice (opens in a new tab)

A pay later service for business buyers. Companies buying from online or wholesale merchants receive invoice terms, while the seller is paid upfront and Billie takes on collection.

Germany, Austria, Netherlands, France, Sweden · Run by Billie · Official website of Billie (opens in a new tab)

A Dutch pay after delivery provider. Shoppers receive their order first and pay the invoice later, with options for instalments and business customers.

Netherlands, Belgium · Run by Billink · Official website of Billink (opens in a new tab)

A Spanish instant payment service integrated into bank apps. Users send money with a mobile number and pay online merchants by confirming the payment in their banking app.

Spain, Andorra · Run by Bizum S.L. (Spanish banks) · Official website of Bizum (opens in a new tab)

A European mobile payment scheme. The shopper shows a barcode or QR code in a bank or Bluecode app at the till, and the payment is debited from their bank account.

Austria, Germany, Switzerland · Run by Bluecode International · Official website of Bluecode (opens in a new tab)

The French domestic card scheme. Most French debit and credit cards carry the CB brand alongside Visa or Mastercard, and transactions within France are usually routed through the CB network.

France · Run by Groupement des Cartes Bancaires CB · Official website of Cartes Bancaires (CB) (opens in a new tab)

The Swiss invoice and instalment payment service of Cembra, formerly known as byjuno. Shoppers buy on invoice and choose to pay in full or in parts.

Switzerland · Run by Cembra Money Bank · Official website of CembraPay (opens in a new tab)

French holiday vouchers given by employers and social bodies. Holders spend them on travel, accommodation and leisure, including online through a digital version of the vouchers.

France · Run by ANCV (Agence Nationale pour les Chèques Vacances) · Official website of Chèque-Vacances (opens in a new tab)

The European brand of Afterpay. Shoppers split a purchase into instalments paid every two weeks with a linked debit or credit card, both online and in stores.

United Kingdom, France, Spain, Italy · Run by Clearpay (Block) · Official website of Clearpay (opens in a new tab)

A mobile wallet from Curve that lets users tap to pay in stores and pay online, routing each purchase to one of several debit or credit cards linked in the Curve app.

United Kingdom · Run by Curve · Official website of Curve Pay (opens in a new tab)

The Danish domestic debit card. It is issued by Danish banks, often co branded with Visa, and used for payments in Danish stores and online shops.

Denmark · Run by Nets (Nexi Group) · Official website of Dankort (opens in a new tab)

The Swiss electronic invoicing system. Consumers receive bills directly in their online banking and approve them with a click, which triggers payment from their account.

Switzerland, Liechtenstein · Run by SIX · Official website of eBill (opens in a new tab)

The Austrian online banking transfer standard. The shopper selects their bank at checkout, logs in to online banking and approves a prefilled transfer to the merchant.

Austria · Run by Payment Services Austria (PSA) · Official website of eps Überweisung (opens in a new tab)

The UK instant payment system for sterling transfers between bank accounts. It powers online and mobile banking transfers and open banking payments, with funds usually arriving within seconds.

United Kingdom · Run by Pay.UK · Official website of Faster Payments (opens in a new tab)

The instalment payment service of Floa, a French bank. Shoppers split an online purchase into several card payments or delay payment after a quick eligibility check at checkout.

France, Belgium, Spain, Italy · Run by Floa (BNP Paribas) · Official website of Floa Pay (opens in a new tab)

The German domestic debit card system. Girocards issued by German banks are used for payments in shops and at ATMs, increasingly contactless or in mobile wallets.

Germany · Run by Deutsche Kreditwirtschaft · Official website of girocard (opens in a new tab)

The main Dutch online payment method. The shopper picks their bank, approves the payment in their banking app, and the merchant receives confirmation. It is moving to the Wero brand.

Netherlands · Run by Currence / EPI · Official website of iDEAL (opens in a new tab)

A Dutch pay later method that splits a purchase into instalments. The shopper pays the first part with iDEAL at checkout and the rest within the following months.

Netherlands, Belgium · Run by in3 · Official website of in3 (opens in a new tab)

The Greek instant payment service run by DIAS. Bank customers send money with a phone number and pay merchants online or in stores through their banking app.

Greece · Run by DIAS Interbanking Systems · Official website of IRIS (opens in a new tab)

The Portuguese mobile payment app run by SIBS. Users pay online with their phone number, pay in stores, send money to contacts and withdraw cash from ATMs.

Portugal · Run by SIBS · Official website of MB WAY (opens in a new tab)

A mobile payment app in Denmark and Finland. Users pay friends, online merchants and stores from a linked card or account by confirming in the app.

Denmark, Finland · Run by Vipps MobilePay · Official website of MobilePay (opens in a new tab)

A German business to business pay later provider. Business buyers choose invoice payment with deferred terms or instalments at checkout, and the merchant is paid by Mondu.

Germany, Austria, Netherlands, United Kingdom · Run by Mondu · Official website of Mondu (opens in a new tab)

An Italian network of tobacco shops, bars and newsagents where people pay bills, top up services and settle online orders in cash using a payment code.

Italy · Run by Mooney Group · Official website of Mooney (opens in a new tab)

A Portuguese payment network. Online shoppers receive an entity and reference number at checkout and pay it through home banking, a banking app or a Multibanco ATM.

Portugal · Run by SIBS · Official website of Multibanco (opens in a new tab)

A European bank transfer authorisation service. The shopper is redirected to their own online banking to approve a SEPA credit transfer to the merchant, used mainly by Italian banks.

Italy, Spain · Run by PRETA / EBA CLEARING · Official website of MyBank (opens in a new tab)

A prepaid voucher bought with cash at newsagents and other retail outlets. The shopper enters the voucher code at an online checkout or stores vouchers in a Neosurf account.

France, Belgium, Luxembourg, Switzerland, Spain, Germany, Austria, Italy · Run by Neosurf Cards SAS · Official website of Neosurf (opens in a new tab)

A digital wallet for online payments and money transfers. Users load funds into their account and pay merchants by signing in at checkout, with a prepaid card option in some markets.

Global · Run by Paysafe · Official website of NETELLER (opens in a new tab)

An Icelandic pay later service. Shoppers buy online or in stores with their national ID and pay the invoice later or in instalments.

Iceland · Run by Netgíró · Official website of Netgíró (opens in a new tab)

A French consumer credit bank offering pay in instalments at checkout. Shoppers spread a purchase over several card payments, with offers available in online stores and in shops.

France, Spain, Portugal, Italy, Belgium · Run by Oney Bank (BPCE) · Official website of Oney (opens in a new tab)

The Italian domestic debit card circuit. Bank cards carrying the PagoBANCOMAT brand are used for purchases at Italian points of sale and for cash withdrawals.

Italy · Run by BANCOMAT S.p.A. · Official website of PagoBANCOMAT (opens in a new tab)

UK checkout option based on open banking. The shopper picks their bank, approves the payment in the banking app, and the money moves over Faster Payments straight to the merchant.

United Kingdom · Run by Open Banking Limited and UK banks · Official website of Pay by Bank (UK Open Banking) (opens in a new tab)

A mobile payment app for QR code and in app payments. In Belgium it became Bancontact Pay, and in Luxembourg users and merchants moved to Wero.

Luxembourg, Belgium · Run by Bancontact Payconiq Company / Payconiq International · Official website of Payconiq (opens in a new tab)

A UK network of convenience stores where people pay bills, top up prepaid services and pay for online orders in cash using a barcode or payment card issued by the merchant.

United Kingdom · Run by PayPoint plc · Official website of PayPoint (opens in a new tab)

A prepaid voucher sold for cash at retail outlets. The shopper buys a card with a PIN and enters that PIN at an online checkout, or uses a registered paysafecard account.

Austria, Germany, Switzerland, United Kingdom, Ireland, France, Belgium, Netherlands, Luxembourg, Italy, Spain, Portugal, Greece, Malta, Cyprus, Denmark, Sweden, Norway, Finland · Run by Paysafe · Official website of paysafecard (opens in a new tab)

A cash payment method for online purchases. The shopper gets a barcode at checkout and pays it in cash at a partner shop, after which the merchant receives confirmation of payment.

Austria, Germany, Switzerland, United Kingdom, Ireland, France, Belgium, Netherlands, Italy, Spain, Portugal, Greece, Malta, Cyprus · Run by Paysafe · Official website of Paysafecash (opens in a new tab)

A Portuguese network of agents in shops and post offices where customers pay bills and online purchases in cash using a payment reference.

Portugal · Run by Payshop (CTT) · Official website of Payshop (opens in a new tab)

An Icelandic payment service letting shoppers pay online and in stores by invoice later or split into instalments, identified with their national ID number.

Iceland · Run by Pei · Official website of Pei (opens in a new tab)

The prepaid card range of Poste Italiane. Holders top up the card at post offices or online and use it for shopping online and in stores on international card networks.

Italy · Run by PostePay S.p.A. (Poste Italiane) · Official website of Postepay (opens in a new tab)

The debit card linked to a PostFinance account in Switzerland. It is used at Swiss points of sale and accepted as an online payment option by many Swiss merchants.

Switzerland · Run by PostFinance · Official website of PostFinance Card (opens in a new tab)

The online payment method of PostFinance. Customers authorise purchases at Swiss online shops directly from their PostFinance account, in the app or with their card.

Switzerland · Run by PostFinance · Official website of PostFinance Pay (opens in a new tab)

A Swiss pay later provider. Shoppers pay by invoice after delivery or spread the cost over monthly instalments, both in online shops and at physical retailers.

Switzerland · Run by MF Group · Official website of Powerpay (opens in a new tab)

A Swedish checkout and payment provider. Shoppers choose invoice, part payment or card at online stores, and manage their purchases in the Qliro app.

Sweden, Norway, Finland, Denmark · Run by Qliro · Official website of Qliro (opens in a new tab)

The Swiss payment slip with a QR code. Recipients scan the code in their banking app or pay at a post office, and the bank transfer is filled in automatically.

Switzerland, Liechtenstein · Run by SIX · Official website of QR-bill (opens in a new tab)

An instalment purchase option from the German consumer lender TeamBank. Shoppers choose monthly instalments at checkout and complete a short online credit check.

Germany · Run by TeamBank (DZ BANK Group) · Official website of Ratenkauf by easyCredit (opens in a new tab)

A German provider of invoice, instalment and direct debit payments for online shops. Shoppers choose to pay after delivery or in monthly instalments, and Ratepay handles the credit risk.

Germany, Austria, Switzerland, Netherlands · Run by Ratepay · Official website of Ratepay (opens in a new tab)

Swiss holiday and leisure money often provided through employers. Holders pay with the Reka Card or Reka Pay at travel, transport, leisure and accommodation partners.

Switzerland · Run by Schweizer Reisekasse (Reka) Genossenschaft · Official website of Reka (opens in a new tab)

A Nordic bank offering retail financing at checkout. Shoppers pay by invoice or spread purchases over instalments, in online stores and physical retailers.

Sweden, Norway, Finland, Denmark · Run by Resurs Bank · Official website of Resurs Bank (opens in a new tab)

A checkout option for Revolut customers. The shopper confirms the payment in the Revolut app using their account balance or a saved card, without typing card details on the merchant site.

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom · Run by Revolut · Official website of Revolut Pay (opens in a new tab)

A pay later service formerly known as AfterPay in Europe. Shoppers receive the goods first and then pay by invoice within a set period or spread the cost over instalments.

Germany, Austria, Switzerland, Netherlands, Belgium, Sweden, Norway, Finland, Denmark · Run by Riverty (Bertelsmann) · Official website of Riverty (opens in a new tab)

An Italian mobile payment app linked directly to the user's bank account. Users pay in shops and online by confirming in the app, and send money to contacts.

Italy, France, Germany, Luxembourg · Run by Satispay · Official website of Satispay (opens in a new tab)

An Italian pay later provider. Shoppers split a purchase into a small number of monthly card payments or pay later, online and in physical stores.

Italy, France, Spain, Germany · Run by Scalapay · Official website of Scalapay (opens in a new tab)

The standard euro credit transfer scheme across the SEPA area. The payer sends euros from a bank account to any IBAN, and funds usually arrive by the next business day.

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Monaco, San Marino, Vatican City, Andorra · Run by European Payments Council · Official website of SEPA Credit Transfer (opens in a new tab)

The business to business variant of SEPA Direct Debit. Only companies can be debtors, the debtor bank checks the mandate, and the payer has no refund right for authorised collections.

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Monaco, San Marino, Vatican City, Andorra · Run by European Payments Council · Official website of SEPA Direct Debit B2B (opens in a new tab)

The consumer euro direct debit scheme. The shopper signs a mandate with their IBAN, and the merchant then collects one off or recurring payments from that account across the SEPA area.

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Monaco, San Marino, Vatican City, Andorra · Run by European Payments Council · Official website of SEPA Direct Debit Core (opens in a new tab)

The instant version of the SEPA euro transfer. Funds move between participating bank accounts within seconds at any hour, and it underpins many pay by bank and wallet products in Europe.

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Monaco, San Marino, Vatican City, Andorra · Run by European Payments Council · Official website of SEPA Instant Credit Transfer (opens in a new tab)

A Spanish pay later provider. Shoppers pay after receiving their order or split the cost into instalments, offered at online and physical merchants.

Spain, Portugal, Italy, France · Run by SeQura Worldwide · Official website of seQura (opens in a new tab)

A digital wallet that users fund by card, bank transfer or local methods. Shoppers log in to their Skrill account at checkout to pay online merchants or send money to other users.

Global · Run by Paysafe · Official website of Skrill (opens in a new tab)

A German online banking transfer method that let shoppers authorise a bank transfer with their banking login during checkout. Klarna has folded it into its own products and retired it as a standalone method.

Germany, Austria, Switzerland, Belgium, Netherlands, Italy, Spain · Run by Klarna · Official website of Sofort (opens in a new tab)

A French mobile app, formerly called Lydia, used mainly for sending money between friends. Users link a card or account and send or request payments with a phone number.

France · Run by Sumeria · Official website of Sumeria (formerly Lydia) (opens in a new tab)

A Nordic bank providing invoice and part payment options in online checkouts. Shoppers receive goods first and pay later by invoice or in instalments.

Sweden, Norway, Finland, Denmark, Germany · Run by Svea Bank · Official website of Svea (opens in a new tab)

The Swedish mobile payment app linked to bank accounts. Users pay friends, online shops and stores by phone number or QR code, with instant transfer.

Sweden · Run by Getswish AB (Swedish banks) · Official website of Swish (opens in a new tab)

A mobile payment service in the Telepass app. Users pay for fuel, parking, public transport and other mobility services, charged to their Telepass account.

Italy · Run by Telepass · Official website of Telepass Pay (opens in a new tab)

A Dutch payment request app from ABN AMRO. Users or businesses send a payment link through chat or email, and the recipient pays from any Dutch bank account.

Netherlands · Run by ABN AMRO · Official website of Tikkie (opens in a new tab)

A pay by bank service where the shopper selects their bank, logs in with their usual banking credentials and approves a transfer to the merchant. Common in Nordic and other European checkouts.

Sweden, Finland, Norway, Denmark, Germany, Austria, Netherlands, Spain, United Kingdom · Run by Trustly Group · Official website of Trustly (opens in a new tab)

The Swiss mobile payment app offered by Swiss banks. Users pay in shops, online and to friends by scanning QR codes or confirming payment in the app, debited from their linked account.

Switzerland, Liechtenstein · Run by TWINT AG · Official website of TWINT (opens in a new tab)

A Danish pay later provider. Shoppers split online and in store purchases into monthly instalments after a quick approval through the ViaBill app or checkout.

Denmark · Run by ViaBill · Official website of ViaBill (opens in a new tab)

The Norwegian mobile payment app. Users pay friends with a phone number and pay online stores and shops by confirming in the app, debited from their card or account.

Norway · Run by Vipps MobilePay · Official website of Vipps (opens in a new tab)

A Nordic checkout and pay later provider, formerly Collector. Shoppers pay by invoice, in instalments or by card, and it also offers Swish and Vipps in its checkout.

Sweden, Norway, Finland, Denmark · Run by Walley (Collector Bank) · Official website of Walley (opens in a new tab)

A European account to account wallet built on SEPA instant transfers. Users send money with a phone number or email and pay online merchants from their bank app or the Wero app.

Germany, France, Belgium, Netherlands, Luxembourg · Run by European Payments Initiative (EPI) · Official website of Wero (opens in a new tab)

An instalment credit option offered at merchant checkouts by Younited, a European online lender. Shoppers apply in a few steps and repay the purchase in monthly instalments.

France, Italy, Spain, Portugal, Germany · Run by Younited · Official website of Younited Pay (opens in a new tab)

A UK pay later card and app. Users can spread purchases over instalments or pay in full, and the card works at online and physical merchants that accept Mastercard.

United Kingdom · Run by Zilch Technology · Official website of Zilch (opens in a new tab)

A pay by bank method in the Nordics. The shopper identifies with their bank or national electronic ID and approves a direct transfer from their account to the merchant.

Sweden, Finland · Run by Zimpler · Official website of Zimpler (opens in a new tab)

Turkish credit card programme of HSBC Türkiye. Cardholders split purchases into instalments at member merchants, online and in stores, and collect points on spending.

Türkiye · Run by HSBC Türkiye · Official website of Advantage (opens in a new tab)

Croatian electronic money wallet app. Users top up with cash at retail points or by card, send money to others and pay online merchants and bills.

Croatia · Run by Aircash · Official website of Aircash (opens in a new tab)

Deferred payment service of the Allegro marketplace in Poland. Buyers pay for purchases later or in instalments, and a linked Allegro Pay card extends this to other shops.

Poland · Run by Allegro Pay · Official website of Allegro Pay (opens in a new tab)

National card payment system of Armenia. ArCa cards are issued by local banks and used for payments in dram at shops, online merchants and ATMs.

Armenia · Run by ArCa (Armenian Card) · Official website of ArCa (opens in a new tab)

Turkish credit card programme of Akbank. Cardholders split purchases into instalments at member merchants, online and in stores, and collect points on spending.

Türkiye · Run by Akbank · Official website of Axess (opens in a new tab)

Turkish credit card programme of Ziraat Bankası. Cardholders split purchases into instalments at member merchants, online and in stores, and collect points on spending.

Türkiye · Run by Ziraat Bankası · Official website of Bankkart (opens in a new tab)

Hungarian electronic wallet used at checkouts that run Barion. Users hold a balance or save a card, then pay online shops by logging in to their wallet.

Hungary · Run by Barion Payment · Official website of Barion Wallet (opens in a new tab)

Instalment card of Kapital Bank under the Birbank brand. Holders split purchases at partner merchants into monthly payments without interest and manage them in the Birbank app.

Azerbaijan · Run by Kapital Bank · Official website of Birbank Taksit (opens in a new tab)

Israeli mobile payment app for sending money by phone number and paying merchants online and in stores, funded from a linked bank card.

Israel · Run by Bank Hapoalim · Official website of Bit (opens in a new tab)

Turkish digital wallet where users store cards from Turkish banks and pay online merchants, send money and pay by QR code.

Türkiye · Run by Bankalararası Kart Merkezi (BKM) · Official website of BKM Express (opens in a new tab)

Polish mobile payment system built into banking apps. Shoppers enter a short code from their app at checkout or confirm a push request, and the payment is debited from their bank account.

Poland · Run by Polski Standard Płatności · Official website of BLIK (opens in a new tab)

Deferred payment option within BLIK in Poland. Shoppers pick it at an online checkout, confirm the purchase in their banking app and repay the amount later.

Poland · Run by Polski Standard Płatności · Official website of BLIK Płacę Później (opens in a new tab)

Bulgarian instant payment service offered through banking apps. Account holders send and receive money in lev within seconds, including transfers to a phone number.

Bulgaria · Run by BORICA · Official website of Blink (opens in a new tab)

Unibank instalment card in Azerbaijan. Cardholders buy goods at partner merchants and repay the price in monthly instalments without interest.

Azerbaijan · Run by Unibank · Official website of BolKart (opens in a new tab)

Turkish credit card programme of Garanti BBVA. Cardholders split purchases into instalments at member merchants, online and in stores, and collect points on spending.

Türkiye · Run by Garanti BBVA · Official website of Bonus (opens in a new tab)

Romanian credit card that lets holders split purchases at partner stores into instalments without interest and earn bonus points on spending.

Romania · Run by Garanti BBVA Romania · Official website of Bonus Card (opens in a new tab)

Uzbek mobile payment service. Users link local bank cards to pay utilities, mobile services and merchants, and to send money to other cards.

Uzbekistan · Run by Click · Official website of Click (opens in a new tab)

Online banking payment button of ČSOB in Czech checkouts. The shopper logs in to internet banking from the merchant page and confirms a prefilled payment order.

Czechia · Run by ČSOB · Official website of ČSOB platební tlačítko (opens in a new tab)

National payment card scheme of Serbia, issued by Serbian banks. Cardholders pay in dinars at shops and online merchants inside the country and withdraw cash.

Serbia · Run by National Bank of Serbia · Official website of DinaCard (opens in a new tab)

Bulgarian network of cash payment offices. Shoppers receive a payment code for an online order or bill and pay it in cash at an EasyPay counter.

Bulgaria · Run by Easypay · Official website of EasyPay (opens in a new tab)

Ukrainian payment service with a wallet app, website and self service terminals. Users pay bills, top up phones and pay online merchants from their balance or card.

Ukraine · Run by EasyPay · Official website of EasyPay Ukraine (opens in a new tab)

Azerbaijani payment terminal network and app used to pay bills, top up phones and wallets and settle online services, mostly with cash at terminals.

Azerbaijan · Run by eManat · Official website of eManat (opens in a new tab)

Bulgarian online payment system for bills and online purchases. Users pay from a linked card, bank account or wallet balance and can also pay utility and telecom bills.

Bulgaria · Run by ePay · Official website of ePay.bg (opens in a new tab)

Internet banking payment button of VÚB banka used in Slovak online shops. The shopper is redirected to the bank, signs in and approves a transfer with the order details filled in.

Slovakia · Run by VÚB banka · Official website of ePlatby VÚB (opens in a new tab)

Baltic pay later service available in partner online shops. Shoppers choose ESTO at checkout and pay in parts or defer payment to the following month.

Estonia, Latvia, Lithuania · Run by ESTO · Official website of ESTO (opens in a new tab)

National instant payment system of Türkiye used inside banking apps. People transfer lira instantly at any time, including by phone number or QR code.

Türkiye · Run by Central Bank of the Republic of Türkiye · Official website of FAST (opens in a new tab)

Slovenian instant payment service in banking apps. People send money using a phone number and pay merchants in stores or online by scanning a code or confirming a request.

Slovenia · Run by Bankart · Official website of Flik (opens in a new tab)

Turkish wallet linked to the Hepsiburada marketplace. Shoppers save cards and balance to pay on Hepsiburada and partner sites, with shopping credit options.

Türkiye · Run by Hepsiburada · Official website of Hepsipay (opens in a new tab)

Uzbek domestic card payment system. Humo cards are issued by banks in Uzbekistan and used in stores, online and in local payment apps such as Payme and Click.

Uzbekistan · Run by Humo · Official website of Humo (opens in a new tab)

Bulgarian digital wallet app with a linked payment card. Users top up the wallet, pay in stores and online, and send money to other users.

Bulgaria · Run by iCard · Official website of iCard (opens in a new tab)

Armenian electronic wallet and app. Users top up their balance, pay online stores and bills, transfer money and pay in shops by scanning a QR code.

Armenia · Run by Idram · Official website of Idram (opens in a new tab)

Consumer finance provider offering hire purchase and pay later options at partner stores. Shoppers apply at checkout and repay the purchase in monthly instalments.

Estonia, Latvia, Lithuania, Poland · Run by Inbank · Official website of Inbank (opens in a new tab)

Turkish prepaid card sold at retail outlets and loaded with cash or by transfer. Holders pay online and in stores without needing a bank account.

Türkiye · Run by ininal · Official website of ininal (opens in a new tab)

QR payment service on the Serbian instant payment system. The shopper scans the merchant code with a banking app and the amount is moved instantly from their account.

Serbia · Run by National Bank of Serbia · Official website of IPS Skeniraj (opens in a new tab)

Israeli domestic credit card brand issued by Isracard and accepted by merchants in Israel. Shoppers can often split purchases into several payments at checkout.

Israel · Run by Isracard · Official website of Isracard (opens in a new tab)

QR payment method in the Kaspi.kz app in Kazakhstan. Shoppers scan the merchant code in a store or online and pay from their Kaspi account or card.

Kazakhstan · Run by Kaspi Bank · Official website of Kaspi QR (opens in a new tab)

Kaspi.kz instalment purchase option in Kazakhstan. Customers buy from partner merchants through the Kaspi app and split the price into monthly payments.

Kazakhstan · Run by Kaspi Bank · Official website of Kaspi Red (opens in a new tab)

Croatian mobile payment app. Users link a bank account or card, send money to contacts and pay online and in shops that accept KEKS Pay.

Croatia · Run by Erste&Steiermärkische Bank · Official website of KEKS Pay (opens in a new tab)

Bank payment button of Luminor in Baltic online checkouts. The shopper is redirected to internet banking and confirms a payment with the order data already entered.

Estonia, Latvia, Lithuania · Run by Luminor · Official website of Luminor banklink (opens in a new tab)

Israeli interbank clearing system for bulk transfers and direct debits. Consumers authorise standing debit orders so that billers collect recurring payments from their bank accounts.

Israel · Run by Masav (Bank Clearing Center) · Official website of Masav (opens in a new tab)

Turkish credit card programme of Türkiye İş Bankası. Cardholders split purchases into instalments at member merchants, online and in stores, and collect points on spending.

Türkiye · Run by Türkiye İş Bankası · Official website of Maximum (opens in a new tab)

Moldovan instant payment system available in banking apps. Users send money to a phone number and pay merchants by scanning a QR code, with funds moved straight away.

Moldova · Run by National Bank of Moldova · Official website of MIA Plăți Instant (opens in a new tab)

Azerbaijani network of payment terminals and an online service. Customers pay utility bills, mobile top ups, loans and online services in cash or by card.

Azerbaijan · Run by MilliÖn · Official website of MilliÖn (opens in a new tab)

Online banking payment button of Komerční banka in Czech checkouts. The shopper logs in to internet banking from the merchant page and confirms a prefilled payment order.

Czechia · Run by Komerční banka · Official website of MojePlatba (opens in a new tab)

Instalment purchase option for monobank card holders in Ukraine. Shoppers choose it at partner merchants and the price is split into monthly parts on their credit limit.

Ukraine · Run by Universal Bank · Official website of monobank Pokupka chastynamy (opens in a new tab)

Pay by link button of mBank shown in Polish online checkouts. The shopper is sent to online banking, where the transfer details are already filled in and only need approval.

Poland · Run by mBank · Official website of mTransfer (opens in a new tab)

Hungarian employee benefit card loaded by employers. Holders use it to pay for accommodation, restaurants and leisure services at accepting merchants, in shops and online.

Hungary · Run by OTP Pénztárszolgáltató · Official website of OTP SZÉP Kártya (opens in a new tab)

Turkish credit card programme of Halkbank. Cardholders split purchases into instalments at member merchants, online and in stores, and collect points on spending.

Türkiye · Run by Halkbank · Official website of Paraf (opens in a new tab)

Turkish electronic money app with a prepaid card. Users load money, shop online and in stores, and send transfers to other people.

Türkiye · Run by Param · Official website of Param (opens in a new tab)

Israeli app for group payments and transfers between people, also used to pay merchants. Payments are charged to a linked card or bank account.

Israel · Run by Discount Bank · Official website of PayBox (opens in a new tab)

Turkcell mobile wallet in Türkiye. Users pay online and in stores with a linked card or balance and can add purchases to their mobile phone bill.

Türkiye · Run by Turkcell · Official website of Paycell (opens in a new tab)

Uzbek payment app where users link Uzcard or Humo cards to pay bills, online merchants and stores, often by QR code, and to transfer money.

Uzbekistan · Run by Payme · Official website of Payme (opens in a new tab)

Moldovan payment service with a wallet and a network of payment points. Users pay utilities, telecom bills and online merchants from their balance or with cash.

Moldova · Run by Paynet Services · Official website of Paynet (opens in a new tab)

Uzbek network of payment agents and an app. Customers pay mobile, utility and online service bills in cash at agent points or with a card in the app.

Uzbekistan · Run by Paynet · Official website of Paynet Uzbekistan (opens in a new tab)

Polish buy now pay later service. Shoppers choose it at checkout, receive the order and pay later in full or in instalments, online or through the PayPo app and card.

Poland · Run by PayPo · Official website of PayPo (opens in a new tab)

Lithuanian electronic money account and app. Users pay online merchants from their balance, send transfers and pay in stores, and merchants can show it alongside bank options.

Lithuania, Latvia, Estonia · Run by Paysera · Official website of Paysera (opens in a new tab)

Online bank transfer option in PayU checkouts in Poland. The shopper selects their bank from a list, logs in to online banking and approves a prefilled transfer to the merchant.

Poland · Run by PayU · Official website of PayU pay by link (opens in a new tab)

Deferred payment option shown in PayU checkouts in Poland. Shoppers receive the goods first and pay for the order at a later date instead of at checkout.

Poland · Run by PayU · Official website of PayU Płacę później (opens in a new tab)

Pay by link button of Bank Pekao shown in Polish online checkouts. The shopper is sent to online banking, where the transfer details are already filled in and only need approval.

Poland · Run by Bank Pekao · Official website of Pekao24Przelew (opens in a new tab)

Israeli payment app from Bank Leumi. Users send money to contacts by phone number and pay participating businesses, charging a linked card or account.

Israel · Run by Bank Leumi · Official website of Pepper Pay (opens in a new tab)

Pay by link button of Alior Bank shown in Polish online checkouts. The shopper is sent to online banking, where the transfer details are already filled in and only need approval.

Poland · Run by Alior Bank · Official website of Płacę z Alior Bankiem (opens in a new tab)

Pay by link button of ING Bank Śląski shown in Polish online checkouts. The shopper is sent to online banking, where the transfer details are already filled in and only need approval.

Poland · Run by ING Bank Śląski · Official website of Płacę z ING (opens in a new tab)

Pay by link button of PKO Bank Polski shown in Polish online checkouts. The shopper is sent to online banking, where the transfer details are already filled in and only need approval.

Poland · Run by PKO Bank Polski · Official website of Płacę z Inteligo (opens in a new tab)

Pay by link button of PKO Bank Polski shown in Polish online checkouts. The shopper is sent to online banking, where the transfer details are already filled in and only need approval.

Poland · Run by PKO Bank Polski · Official website of Płacę z iPKO (opens in a new tab)

Online banking payment button of Česká spořitelna in Czech checkouts. The shopper logs in to internet banking from the merchant page and confirms a prefilled payment order.

Czechia · Run by Česká spořitelna · Official website of Platba 24 (opens in a new tab)

Instalment payment service of PrivatBank in Ukraine. Customers pick it at partner stores and online checkouts and repay the purchase in parts through their account.

Ukraine · Run by PrivatBank · Official website of PrivatBank Oplata chastynamy (opens in a new tab)

National payment card system of Ukraine. Cards are issued by Ukrainian banks and used for purchases and cash withdrawals in hryvnia across the country.

Ukraine · Run by National Bank of Ukraine · Official website of PROSTIR (opens in a new tab)

Polish online payment service that sends shoppers from the checkout to their own bank to approve a transfer. It also offers BLIK, cards and deferred payments to Polish merchants.

Poland · Run by PayPro · Official website of Przelewy24 (opens in a new tab)

Czech standard for payment QR codes on invoices and checkout pages. The shopper scans the code in a banking app, which fills in the account, amount and reference for a transfer.

Czechia · Run by Česká bankovní asociace · Official website of QR Platba (opens in a new tab)

Hungarian payment method running on the national instant payment system. Shoppers pay by scanning a QR code, tapping a phone or opening a payment link in their banking app.

Hungary · Run by Magyar Nemzeti Bank · Official website of Qvik (opens in a new tab)

Romanian instant payment service built into banking apps. Shoppers pay merchants or send money to other people directly from their bank account, using a phone number or a payment request.

Romania · Run by Transfond · Official website of RoPay (opens in a new tab)

Bank payment button of SEB in Baltic online checkouts. The shopper is redirected to internet banking and confirms a payment with the order data already entered.

Estonia, Latvia, Lithuania · Run by SEB · Official website of SEB banklink (opens in a new tab)

Czech deferred payment method, formerly known as MALL Pay. Shoppers select it in online stores, receive the goods and pay afterwards or in instalments.

Czechia · Run by Skip Pay (ČSOB group) · Official website of Skip Pay (opens in a new tab)

Polish mobile payment app used to buy public transport and train tickets, pay for parking and pay in online shops from a balance topped up by the user.

Poland · Run by SkyCash Poland · Official website of SkyCash (opens in a new tab)

Internet banking payment button of Slovenská sporiteľňa used in Slovak online shops. The shopper is redirected to the bank, signs in and approves a transfer with the order details filled in.

Slovakia · Run by Slovenská sporiteľňa · Official website of SporoPay (opens in a new tab)

Credit card range of Banca Transilvania in Romania. Cardholders can split purchases at partner merchants into interest free instalments and collect loyalty points called stars.

Romania · Run by Banca Transilvania · Official website of STAR BT (opens in a new tab)

Bank payment button of Swedbank in Baltic online checkouts. The shopper is redirected to internet banking and confirms a payment with the order data already entered.

Estonia, Latvia, Lithuania · Run by Swedbank · Official website of Swedbank banklink (opens in a new tab)

Azerbaijani instalment card. Holders pay at partner stores and online merchants and spread the cost over several months without interest.

Azerbaijan · Run by International Bank of Azerbaijan · Official website of TamKart (opens in a new tab)

Internet banking payment button of Tatra banka used in Slovak online shops. The shopper is redirected to the bank, signs in and approves a transfer with the order details filled in.

Slovakia · Run by Tatra banka · Official website of TatraPay (opens in a new tab)

Georgian network of self service payment terminals and an app. People pay utility bills, mobile top ups and online services in cash or from a card.

Georgia · Run by TBC Pay · Official website of TBC Pay (opens in a new tab)

Armenian wallet linked to the Telcell network of payment terminals. Users fund it in cash or by card and pay bills, online merchants and other people.

Armenia · Run by Telcell · Official website of Telcell Wallet (opens in a new tab)

Turkish mobile wallet with a linked card. Users top up, pay merchants online and in stores, split bills and send money to friends.

Türkiye · Run by Tosla (Akbank group) · Official website of Tosla (opens in a new tab)

Domestic card scheme of Türkiye issued by Turkish banks. TROY debit, credit and prepaid cards are used at shops, online merchants and ATMs.

Türkiye · Run by Bankalararası Kart Merkezi (BKM) · Official website of TROY (opens in a new tab)

Carrier billing service of Turkcell. Subscribers pay for digital goods and online services by adding the charge to their mobile bill or deducting it from prepaid credit.

Türkiye · Run by Turkcell · Official website of Turkcell Mobil Ödeme (opens in a new tab)

Czech deferred payment service. Shoppers choose Twisto at checkout or pay with its card, then settle purchases later in one payment or split into parts through the Twisto app.

Czechia · Run by Twisto payments · Official website of Twisto (opens in a new tab)

National card payment system of Uzbekistan. Uzcard cards are issued by local banks and accepted for payments in sum at shops, online merchants and payment apps.

Uzbekistan · Run by Uzcard · Official website of Uzcard (opens in a new tab)

Turkish credit card programme of Yapı Kredi. Cardholders split purchases into instalments at member merchants, online and in stores, and collect points on spending.

Türkiye · Run by Yapı Kredi · Official website of World (opens in a new tab)

An online checkout option from ABA Bank in Cambodia. Shoppers are sent to the ABA Mobile app to approve payment from their account or card.

Cambodia · Run by ABA Bank · Official website of ABA PAY (opens in a new tab)

A consumer credit and pay later platform in Southeast Asia. Shoppers buy online or in partner stores and repay in instalments through the Akulaku app.

Indonesia, Philippines · Run by Akulaku · Official website of Akulaku (opens in a new tab)

An Indonesian convenience store chain accepting cash payments for online purchases. Shoppers give the payment code from checkout to the cashier and pay in cash.

Indonesia · Run by Sumber Alfaria Trijaya · Official website of Alfamart (opens in a new tab)

A mobile wallet and super app in mainland China. Shoppers pay by scanning or showing a QR code, or approve online checkouts in the app using balance, bank cards or credit.

China · Run by Ant Group · Official website of Alipay (opens in a new tab)

A cross border acceptance network from Ant International. It lets travellers and online shoppers pay foreign merchants with their home Asian wallets, such as AlipayHK, GCash or Kakao Pay.

China, Hong Kong, Macao, South Korea, Malaysia, Philippines, Thailand, Indonesia · Run by Ant International · Official website of Alipay+ (opens in a new tab)

A Hong Kong dollar wallet app linked to the Alipay ecosystem. Users top up from local bank accounts or cards and pay merchants in Hong Kong and mainland China by QR code.

Hong Kong · Run by Alipay Payment Services (HK) · Official website of AlipayHK (opens in a new tab)

A buy now pay later service in Southeast Asia. Shoppers split purchases at partner online and physical stores into instalments paid through the Atome app.

Singapore, Malaysia, Indonesia, Philippines · Run by Advance Intelligence Group · Official website of Atome (opens in a new tab)

A deferred payment service in Japan. Shoppers check out without a card and settle each purchase or a monthly bill later at convenience stores, by bank transfer or by account debit.

Japan · Run by Net Protections · Official website of atone (opens in a new tab)

Known in Japan as au Kantan Kessai, this lets au mobile customers charge online purchases and digital content to their monthly phone bill after confirming with their au ID.

Japan · Run by KDDI · Official website of au Easy Payment (opens in a new tab)

A code payment wallet from the KDDI group in Japan. Shoppers pay in stores by QR or barcode and online with a stored balance topped up from cards, bank accounts or the phone bill.

Japan · Run by KDDI / au Payment · Official website of au PAY (opens in a new tab)

The Cambodian central bank payment system. It links banks and wallets for instant transfers and powers the KHQR code standard, letting shoppers pay any merchant from a participating app.

Cambodia · Run by National Bank of Cambodia · Official website of Bakong (opens in a new tab)

A Japanese smartphone payment service backed by the banking industry. Shoppers register a bank account and pay merchants by QR code, with the amount debited directly from the account.

Japan · Run by Japan Electronic Payment Promotion Organization · Official website of Bank Pay (opens in a new tab)

A South Korean card company and processing network. Many local banks issue BC branded cards, which shoppers select by name in Korean checkouts.

South Korea · Run by BC Card · Official website of BC Card (opens in a new tab)

An online banking payment option for Bank Central Asia customers. Shoppers are redirected at checkout and approve the payment from their BCA account or BCA credit card.

Indonesia · Run by Bank Central Asia · Official website of BCA KlikPay (opens in a new tab)

The mobile banking app of BCEL in Laos. Customers pay merchants by scanning QR codes and transfer money directly from their bank account.

Laos · Run by Banque pour le Commerce Exterieur Lao · Official website of BCEL One (opens in a new tab)

The UPI payment app from the national payments body in India. Users link bank accounts and pay merchants or people by QR code, phone number or UPI ID.

India · Run by NPCI BHIM Services · Official website of BHIM (opens in a new tab)

A Philippine buy now pay later service. Shoppers choose BillEase at partner checkouts and repay purchases in instalments through the app.

Philippines · Run by First Digital Finance · Official website of BillEase (opens in a new tab)

A Japanese prepaid electronic money service. Users buy codes at convenience stores or online, then enter the code at checkout to pay for games, video and other digital content.

Japan · Run by BitCash · Official website of BitCash (opens in a new tab)

A mobile financial service in Bangladesh. Users keep an account on their phone to send money, pay merchants and bills, and check out online by approving payments with a PIN.

Bangladesh · Run by bKash Limited / BRAC Bank · Official website of bKash (opens in a new tab)

A Malaysian mobile wallet. Users pay merchants by scanning QR codes, shop online, pay bills and top up airtime, earning cashback in the app.

Malaysia · Run by Boost / Axiata · Official website of Boost (opens in a new tab)

An Australian bill payment scheme. Customers pay bills from online or phone banking using a biller code and customer reference number.

Australia · Run by BPAY Group / Australian Payments Plus · Official website of BPAY (opens in a new tab)

A Philippine mobile wallet that also supports digital assets. Users pay bills, buy load, send money and pay merchants, funding the balance through banks or cash in outlets.

Philippines · Run by Betur · Official website of Coins.ph (opens in a new tab)

A Nepali interbank payment service run by the national clearing house. Customers link their bank account and pay government fees, bills and online merchants directly from it.

Nepal · Run by Nepal Clearing House · Official website of connectIPS (opens in a new tab)

A Thai bill payment service at convenience store counters. Shoppers present a barcode or reference from an online order and pay in cash at the till.

Thailand · Run by CP ALL · Official website of Counter Service (opens in a new tab)

A South Korean gift voucher and stored value service. Shoppers buy cultural gift certificates in stores or online and redeem the PIN or balance at online merchants and game platforms.

South Korea · Run by Korea Culture Promotion · Official website of Culture Land (opens in a new tab)

A Japanese mobile payment service from Docomo. Users pay by QR code in stores or at online checkouts, charging a balance, a card or their monthly phone bill, and collect d Points.

Japan · Run by NTT Docomo · Official website of d Barai (opens in a new tab)

An Indonesian digital wallet. Users pay online merchants, bills and stores by QRIS code and send money, funding the balance from banks, cards or retail outlets.

Indonesia · Run by Espay Debit Indonesia Koe · Official website of DANA (opens in a new tab)

A mobile wallet from DBS Bank in Singapore. Users pay merchants by scanning QR codes, check out online and send money to contacts, funded from a linked bank account.

Singapore · Run by DBS Bank · Official website of DBS PayLah! (opens in a new tab)

The Malaysian instant payment service. Customers transfer money and pay merchants from bank and wallet apps using a mobile number or ID, or by scanning a DuitNow QR code.

Malaysia · Run by PayNet · Official website of DuitNow (opens in a new tab)

The digital form of the Chinese renminbi issued by the central bank. Users hold it in an official app or bank wallet and pay merchants by QR code or contactless tap.

China · Run by People's Bank of China · Official website of e-CNY (opens in a new tab)

A Taiwanese payment app from the EasyCard transit card issuer. Users pay in stores by QR code, top up EasyCard cards from their phone and settle utility bills.

Taiwan · Run by EasyCard Corporation · Official website of Easy Wallet (opens in a new tab)

A mobile wallet and branchless banking service in Pakistan. Customers pay merchants and bills, shop online and transfer money from the app or through retail agents.

Pakistan · Run by Easypaisa Bank · Official website of Easypaisa (opens in a new tab)

The domestic debit card network of Australia. Cardholders pay in stores and increasingly online from their cheque or savings account using eftpos enabled debit cards.

Australia · Run by Australian Payments Plus · Official website of eftpos (opens in a new tab)

A Nepali digital wallet. Users load money from bank accounts and pay online merchants, bills, school fees and shops, including by scanning QR codes.

Nepal · Run by eSewa / F1Soft · Official website of eSewa (opens in a new tab)

A Nepali payment network connecting bank mobile apps. Shoppers scan a Fonepay QR code with their banking app to pay merchants directly from their bank account.

Nepal · Run by Fonepay Payment Service · Official website of Fonepay (opens in a new tab)

The Faster Payment System is the Hong Kong instant payment infrastructure. Users pay merchants or people in Hong Kong dollars or renminbi from bank and wallet apps via phone number, email or QR code.

Hong Kong · Run by Hong Kong Interbank Clearing Limited / HKMA · Official website of FPS (opens in a new tab)

Financial Process Exchange is the Malaysian online banking payment option. Shoppers pick their bank at checkout, log in to internet banking and authorise a direct debit from their account.

Malaysia · Run by PayNet · Official website of FPX (opens in a new tab)

An Indian payment app owned by Axis Bank. Users pay bills, recharge phones and pay merchants using a wallet balance or UPI from linked bank accounts.

India · Run by Freecharge Payment Technologies / Axis Bank · Official website of Freecharge (opens in a new tab)

A Philippine mobile wallet. Users pay bills, online stores and merchants by QR code, buy load and send money, with cash in at partner outlets and banks.

Philippines · Run by Mynt / Globe Fintech Innovations · Official website of GCash (opens in a new tab)

An Indonesian wallet linked to the Gojek app. Users pay for rides, food, online shopping and store purchases with a stored balance or by scanning QRIS codes.

Indonesia · Run by GoTo Financial · Official website of GoPay (opens in a new tab)

The wallet inside the Grab super app. Users pay for rides, food delivery, online merchants and in store purchases from a stored balance or linked cards.

Singapore, Malaysia, Philippines · Run by Grab · Official website of GrabPay (opens in a new tab)

A South Korean credit card issuer. It is listed by name in local online checkouts, where cardholders confirm payments through the Hyundai Card app.

South Korea · Run by Hyundai Card · Official website of Hyundai Card (opens in a new tab)

A mobile wallet in Nepal from the IME group. Users pay bills and merchants, buy recharge and receive remittances into the wallet.

Nepal · Run by IME Digital Solution · Official website of IME Pay (opens in a new tab)

Immediate Payment Service is an Indian interbank transfer system available at all hours. Customers send money instantly through bank apps, internet banking or ATMs using account details or a mobile number.

India · Run by National Payments Corporation of India · Official website of IMPS (opens in a new tab)

An Indonesian convenience store chain where shoppers pay for online orders in cash. The buyer shows a payment code at the cashier and the merchant is notified of payment.

Indonesia · Run by Indomarco Prismatama · Official website of Indomaret (opens in a new tab)

The Philippine instant transfer service. Customers send small value payments between banks and wallets at any time through their mobile or online banking.

Philippines · Run by Bangko Sentral ng Pilipinas / participating banks · Official website of InstaPay (opens in a new tab)

An electronic payment account and app from the issuer of the iPASS transit card in Taiwan. Users pay merchants, bills and transport fares from a stored balance or linked bank account.

Taiwan · Run by iPASS Corporation · Official website of iPASS MONEY (opens in a new tab)

A bank led QR payment and money transfer app in Japan. Users link accounts at participating banks and pay merchants or send money directly from those accounts.

Japan · Run by Mizuho Bank · Official website of J-Coin Pay (opens in a new tab)

A Pakistani mobile money service from telecom operator Jazz. Users keep a mobile account to pay bills, shop online, send money and pay merchants by QR code or at agent shops.

Pakistan · Run by Mobilink Microfinance Bank / Jazz · Official website of JazzCash (opens in a new tab)

A wallet and checkout option from the JD.com group in China. Shoppers pay on JD and partner sites or in stores using linked bank cards, account balance or JD credit products.

China · Run by JD Technology · Official website of JD Pay (opens in a new tab)

A Taiwanese mobile wallet. Shoppers link a bank account or card and pay in stores by QR code, in online checkouts and for bills, earning cashback in the app.

Taiwan · Run by JKO Fintech · Official website of JKOPay (opens in a new tab)

A national bill payment scheme in Malaysia. Customers pay registered billers from the internet or mobile banking of any participating bank using a biller code and reference.

Malaysia · Run by PayNet · Official website of JomPAY (opens in a new tab)

The mobile banking app of Kasikornbank in Thailand. Shoppers choose it at checkout and confirm the payment in the app, debiting their bank account.

Thailand · Run by Kasikornbank · Official website of K PLUS (opens in a new tab)

A South Korean wallet linked to the KakaoTalk messenger. Shoppers pay online and in stores with linked cards, bank accounts or a money balance, and send money to friends.

South Korea · Run by Kakao Pay Corp · Official website of Kakao Pay (opens in a new tab)

A South Korean card issuer within KB Financial Group. Shoppers select it in domestic checkouts and authenticate in the KB Pay app or issuer page.

South Korea · Run by KB Kookmin Card · Official website of KB Kookmin Card (opens in a new tab)

A Myanmar mobile wallet from KBZ Bank. Users pay merchants by QR code, pay bills, top up phones and send money from their wallet balance.

Myanmar (Burma) · Run by KBZ Bank · Official website of KBZPay (opens in a new tab)

A digital wallet in Nepal. Users top up from linked banks and pay utility bills, mobile recharges, tickets and online stores, or scan QR codes at merchants.

Nepal · Run by Khalti · Official website of Khalti (opens in a new tab)

An Indonesian pay later and instalment credit service. Shoppers choose Kredivo at partner checkouts or scan QR codes in store, then repay next month or in instalments.

Indonesia · Run by FinAccel · Official website of Kredivo (opens in a new tab)

An account to account payment service on the Sri Lankan interbank network. Customers pay merchants and apps directly from their bank account after linking it in a participating app.

Sri Lanka · Run by LankaPay · Official website of LankaPay JustPay (opens in a new tab)

The national QR code standard in Sri Lanka. Shoppers scan a single merchant QR code with any participating bank or wallet app to pay from their account.

Sri Lanka · Run by LankaPay / Central Bank of Sri Lanka · Official website of LANKAQR (opens in a new tab)

An Indian pay later service from the PayU group. Shoppers check out in one step at partner merchants and settle the accumulated amount later or in instalments.

India · Run by PayU India · Official website of LazyPay (opens in a new tab)

A wallet built into the LINE messaging app, currently serving users in Taiwan. Shoppers pay online and in stores with linked cards or balance, confirming payments inside LINE.

Taiwan · Run by LINE Pay Taiwan · Official website of LINE Pay (opens in a new tab)

An Indonesian wallet backed by state owned enterprises. Users pay merchants by QRIS code, pay bills and transport fares, and check out online.

Indonesia · Run by Fintek Karya Nusantara · Official website of LinkAja (opens in a new tab)

A mobile money service in Fiji. Users send and receive money, pay bills and merchants, and cash in or out at agents using their mobile phone.

Fiji · Run by Vodafone Fiji · Official website of M-PAiSA (opens in a new tab)

A Philippine wallet and digital bank app. Users pay merchants by QR code, check out online, pay bills and send money from their Maya balance.

Philippines · Run by Maya Philippines · Official website of Maya (opens in a new tab)

A payment service inside the Mercari marketplace app in Japan. Users spend sales proceeds, bank top ups or deferred payment in stores by code or contactless and at online merchants.

Japan · Run by Merpay / Mercari · Official website of merpay (opens in a new tab)

An Indian wallet and UPI app. Users pay online merchants and stores from a wallet balance or bank account, and the app also offers a pay later credit line.

India · Run by One MobiKwik Systems · Official website of MobiKwik (opens in a new tab)

A Vietnamese mobile wallet. Users pay bills, online merchants and stores by QR code, and send money, funding payments from linked bank accounts.

Vietnam · Run by M Service · Official website of MoMo (opens in a new tab)

A Macau mobile wallet run by Macau Pass. Users pay local shops and online merchants by scanning QR codes, ride public transport, and can spend in mainland China and Hong Kong.

Macao · Run by Macau Pass · Official website of MPay (opens in a new tab)

The National Automated Clearing House handles recurring debits in India. Customers approve a mandate, often online through eNACH, and billers then collect loan instalments, subscriptions or utility payments from their account.

India · Run by National Payments Corporation of India · Official website of NACH (opens in a new tab)

A Bangladeshi mobile financial service linked to the postal department. Users cash in at agents and then pay merchants, bills and online purchases from their phone wallet.

Bangladesh · Run by Nagad / Bangladesh Post Office · Official website of Nagad (opens in a new tab)

A prepaid electronic money card and mobile service from the Seven and i group. Users top up and tap to pay at its convenience stores, supermarkets and partner merchants in Japan.

Japan · Run by Seven Card Service · Official website of nanaco (opens in a new tab)

The national payment switch in Vietnam. It runs the domestic card network used for local debit cards online and in stores, plus instant interbank transfers and the VietQR standard.

Vietnam · Run by National Payment Corporation of Vietnam · Official website of NAPAS (opens in a new tab)

A South Korean wallet tied to the Naver portal and shopping platform. Shoppers pay online and offline with registered cards, bank accounts or points using their Naver account.

South Korea · Run by NAVER · Official website of Naver Pay (opens in a new tab)

The domestic debit and payments network of Singapore. Shoppers pay with NETS bank cards, contactless stored value cards and NETS QR codes in stores and online.

Singapore · Run by Network for Electronic Transfers · Official website of NETS (opens in a new tab)

An invoice based pay later option for Japanese online shopping. The buyer receives goods first, then pays the invoice at a convenience store, bank, post office or through an app.

Japan · Run by Net Protections · Official website of NP Atobarai (opens in a new tab)

A stored value contactless card used across Hong Kong for transport and retail. Holders tap the card or the Octopus app to pay in shops, and the app also supports online and QR payments.

Hong Kong · Run by Octopus Cards Limited · Official website of Octopus (opens in a new tab)

An Indonesian mobile wallet. Users top up through banks or retail outlets and pay merchants by QRIS code, in online checkouts and on partner apps.

Indonesia · Run by OVO / Visionet Internasional · Official website of OVO (opens in a new tab)

A Japanese buy now pay later service. Shoppers check out with a phone number and email, then pay the monthly total the following month at convenience stores, by bank transfer or debit, or in instalments.

Japan · Run by Paidy · Official website of Paidy (opens in a new tab)

A Japanese bill payment service. Shoppers receive payment numbers at checkout and pay through online banking or a bank ATM, commonly used for taxes, utilities and online orders.

Japan · Run by Japan Multi Payment Network Promotion Council · Official website of Pay-easy (opens in a new tab)

A South Korean wallet app from NHN. Users register cards or bank accounts to pay online merchants and stores, and collect coupons and points in the app.

South Korea · Run by NHN PAYCO · Official website of PAYCO (opens in a new tab)

An addressing service on the Australian instant payment network. Payers send money from their online banking to a phone number, email or business number instead of account details.

Australia · Run by Australian Payments Plus · Official website of PayID (opens in a new tab)

A Hong Kong payment app from HSBC. Users send money to contacts and pay online and in store merchants by QR code or PayMe payment links, funded from a stored balance.

Hong Kong · Run by HSBC · Official website of PayMe (opens in a new tab)

The Singapore instant transfer service built on the FAST network. Users pay people and merchants from their banking app with a mobile number, company registration number or SGQR code.

Singapore · Run by Association of Banks in Singapore · Official website of PayNow (opens in a new tab)

The domestic card scheme of Pakistan, operated by the national interbank switch. Local banks issue PayPak debit cards for ATM, store and online payments within the country.

Pakistan · Run by 1LINK · Official website of PayPak (opens in a new tab)

A Japanese QR code wallet. Shoppers pay in stores by scanning or showing a code and pay online merchants from a balance, a linked bank account or a PayPay card.

Japan · Run by PayPay Corporation · Official website of PayPay (opens in a new tab)

An Indian payment app. Users pay merchants by scanning QR codes, pay bills and shop online using UPI from linked bank accounts, cards or other Paytm payment options.

India · Run by One 97 Communications · Official website of Paytm (opens in a new tab)

An Australian service for authorising account payments. Customers approve a payment agreement in their banking app, letting merchants collect one off or recurring payments from their account.

Australia · Run by Australian Payments Plus · Official website of PayTo (opens in a new tab)

A Philippine batch electronic fund transfer service. Customers send larger payments between bank and wallet accounts, which are credited within the same banking day.

Philippines · Run by Bangko Sentral ng Pilipinas / participating banks · Official website of PESONet (opens in a new tab)

An Indian payment app built mainly on UPI. Users link bank accounts to pay merchants by QR code, recharge phones, pay bills and check out online.

India · Run by PhonePe · Official website of PhonePe (opens in a new tab)

The Thai national instant payment service. Users send money and pay merchants from any bank app using a mobile number, citizen ID or Thai QR code.

Thailand · Run by Bank of Thailand / National ITMX · Official website of PromptPay (opens in a new tab)

A QR code payment service in Mongolia. Shoppers scan a QPay code with their bank app to pay merchants and online stores directly from their account.

Mongolia · Run by QPay Mongolia · Official website of QPay (opens in a new tab)

The national QR code standard in the Philippines. Shoppers scan a merchant QR Ph code with any participating bank or wallet app to pay.

Philippines · Run by Bangko Sentral ng Pilipinas · Official website of QR Ph (opens in a new tab)

The national QR code standard in Indonesia. Shoppers scan one merchant code with any participating wallet or bank app to pay from their balance or account.

Indonesia · Run by Bank Indonesia / ASPI · Official website of QRIS (opens in a new tab)

The instant payment system of Pakistan run by the central bank. Customers send money and pay merchants from bank and wallet apps using an account alias such as a mobile number, or a QR code.

Pakistan · Run by State Bank of Pakistan · Official website of Raast (opens in a new tab)

A prepaid electronic money service in Japan. Users load value onto an Edy card or phone and tap to pay at stores, or pay online merchants that accept Edy.

Japan · Run by Rakuten Edy · Official website of Rakuten Edy (opens in a new tab)

A payment app and online checkout from the Rakuten group in Japan. Shoppers pay by QR code in stores or log in with a Rakuten ID online, earning and spending Rakuten points.

Japan · Run by Rakuten Payment · Official website of Rakuten Pay (opens in a new tab)

The mobile banking service of Dutch Bangla Bank in Bangladesh. Customers use a phone based account to send money, pay merchants and bills, and pay online by entering their account number and PIN.

Bangladesh · Run by Dutch Bangla Bank · Official website of Rocket (opens in a new tab)

The domestic card network of India. Banks issue RuPay debit, credit and prepaid cards, which shoppers use online and in stores, and RuPay credit cards can also be linked to UPI.

India · Run by National Payments Corporation of India · Official website of RuPay (opens in a new tab)

The mobile banking app of Siam Commercial Bank. Thai shoppers select it at online checkouts and approve the debit from their account inside the app.

Thailand · Run by Siam Commercial Bank · Official website of SCB EASY (opens in a new tab)

A South Korean credit and debit card issuer. Its cards appear as a named option in Korean checkouts, where shoppers pay through the issuer app or authentication.

South Korea · Run by Shinhan Card · Official website of Shinhan Card (opens in a new tab)

A carrier billing service for SoftBank and Y!mobile subscribers in Japan. Users add online shopping and digital content charges to their monthly mobile bill.

Japan · Run by SoftBank Corp · Official website of SoftBank Matomete Shiharai (opens in a new tab)

A rechargeable contactless IC card and mobile wallet from JR East. Holders tap to pay train fares and purchases at stores, vending machines and some online merchants across Japan.

Japan · Run by East Japan Railway Company · Official website of Suica (opens in a new tab)

A rechargeable transit card and mobile payment service in South Korea. Holders tap to pay bus, subway and taxi fares and buy goods at convenience stores and other merchants.

South Korea · Run by Tmoney Co · Official website of T-money (opens in a new tab)

A Taiwanese bank led mobile payment service built on the national interbank network. Users pay merchants, bills and taxes by scanning a QR code in their bank app, debiting their account directly.

Taiwan · Run by Financial Information Service Co and participating banks · Official website of Taiwan Pay (opens in a new tab)

A Hong Kong mobile wallet from telecom group HKT. Users top up a balance and pay merchants by QR code, contactless virtual card or online checkout, and send money to contacts.

Hong Kong · Run by HKT · Official website of Tap & Go (opens in a new tab)

The payment service of the Toss finance app in South Korea. Shoppers choose Toss Pay at checkout and pay from linked bank accounts, cards or a balance after confirming in the app.

South Korea · Run by Viva Republica · Official website of Toss Pay (opens in a new tab)

A Malaysian mobile wallet. Users pay merchants by QR code, check out online, pay tolls and parking, and reload or transfer money from linked bank accounts or cards.

Malaysia · Run by TNG Digital · Official website of Touch 'n Go eWallet (opens in a new tab)

A Thai mobile wallet. Users top up at convenience stores or from bank accounts and pay online merchants, bills and shops by QR code.

Thailand · Run by Ascend Money · Official website of TrueMoney Wallet (opens in a new tab)

The Unified Payments Interface is the Indian instant payment system. Shoppers pay from their bank account through any UPI app using a virtual payment address, QR code or collect request.

India · Run by National Payments Corporation of India · Official website of UPI (opens in a new tab)

A Vietnamese payment company whose VNPAY QR lets shoppers scan merchant codes with participating mobile banking apps and pay directly from their bank account.

Vietnam · Run by VNPAY · Official website of VNPAY (opens in a new tab)

A prepaid electronic money card and mobile service from AEON. Holders load value and tap to pay at AEON stores and other Japanese merchants, with some online shops supported.

Japan · Run by AEON Group · Official website of WAON (opens in a new tab)

A Myanmar mobile money service. Users send money, pay bills and merchants, and cash in or out through a network of agents.

Myanmar (Burma) · Run by Wave Money · Official website of WavePay (opens in a new tab)

A Japanese prepaid payment service from the KDDI group. Shoppers buy prepaid numbers or cards at convenience stores and enter them to pay for games and digital content online.

Japan · Run by WebMoney Corporation · Official website of WebMoney (opens in a new tab)

The payment function inside the WeChat messaging app in mainland China. Users pay with a linked bank card or balance by scanning QR codes, in mini programs or in app checkouts.

China · Run by Tencent / Tenpay · Official website of WeChat Pay (opens in a new tab)

The Hong Kong dollar version of WeChat Pay. Users pay shops, online merchants and friends from the WeChat app, with support for spending in mainland China.

Hong Kong · Run by WeChat Pay Hong Kong / Tencent · Official website of WeChat Pay HK (opens in a new tab)

A Cambodian mobile money and banking service. Users send money, pay bills and merchants and shop online from their Wing account or through agents.

Cambodia · Run by Wing Bank · Official website of Wing (opens in a new tab)

A Vietnamese wallet connected to the Zalo messenger. Users pay online and in store by QR code, settle bills and transfer money from linked bank accounts.

Vietnam · Run by VNG · Official website of ZaloPay (opens in a new tab)

The interbank clearing system behind domestic bank transfers in Japan. Shoppers send a furikomi transfer from their bank to the merchant account, and the transfer is matched to the order.

Japan · Run by Japanese Banks' Payment Clearing Network · Official website of Zengin System (opens in a new tab)

Cash payment option at the convenience store chain in Mexico. Shoppers present a reference or barcode from an online order and pay it at the counter.

Mexico · Run by 7 Eleven Mexico · Official website of 7-Eleven (opens in a new tab)

Uruguayan network of cash payment and service outlets. Shoppers pay bills and online purchases in cash at Abitab branches using a reference.

Uruguay · Run by Abitab · Official website of Abitab (opens in a new tab)

Buy now pay later provider in Colombia. Shoppers apply at checkout with their ID and phone and pay purchases in monthly instalments without a credit card.

Colombia · Run by Addi · Official website of Addi (opens in a new tab)

Brazilian employee benefit card for meals and groceries. Workers pay at restaurants, supermarkets and food delivery apps with the balance loaded by their employer.

Brazil · Run by Alelo · Official website of Alelo (opens in a new tab)

Brazilian digital wallet linked to the Americanas retail group. Shoppers pay by scanning a QR code or choosing Ame at online checkout and receive cashback on purchases.

Brazil · Run by Ame Digital Brasil · Official website of Ame Digital (opens in a new tab)

Buy now pay later provider in Mexico. Shoppers split purchases online and in stores into fortnightly instalments, paying the first one at checkout.

Mexico · Run by Aplazo · Official website of Aplazo (opens in a new tab)

Paraguayan cash collection network found in shops and kiosks. Customers pay bills and online orders in cash with a reference number.

Paraguay · Run by Aquí Pago · Official website of Aquí Pago (opens in a new tab)

Debit card network run by Evertec in Puerto Rico and parts of the Caribbean and Central America. Cardholders pay in shops and online with ATH debit cards.

Puerto Rico, Dominican Republic, Costa Rica, Panama · Run by Evertec · Official website of ATH (opens in a new tab)

Puerto Rican mobile payment app from Evertec. Users link a debit card to pay businesses and send money to other users with a phone number.

Puerto Rico · Run by Evertec · Official website of ATH Móvil (opens in a new tab)

Debit and payment card brand of Banrisul, used mainly in Rio Grande do Sul. Cardholders pay in local shops and some online stores, including in instalments.

Brazil · Run by Banrisul · Official website of Banricompras (opens in a new tab)

Jamaican bill payment network. Customers pay utility bills and other services in cash at agent locations across the island.

Jamaica · Run by Bill Express · Official website of Bill Express (opens in a new tab)

Brazilian payment slip with a barcode issued at checkout. The shopper pays it in cash at banks, lottery outlets and shops, or through internet banking before the due date.

Brazil · Run by FEBRABAN and Brazilian banks · Official website of Boleto Bancário (opens in a new tab)

Colombia's interoperable instant payment system run by the central bank. Users send money between banks and wallets using a key such as a phone number, or by scanning a QR code.

Colombia · Run by Banco de la República · Official website of Bre-B (opens in a new tab)

Card brand with roots in the Argentine cooperative banking sector. Cabal credit and debit cards are used in stores and online in Argentina and neighbouring countries.

Argentina, Brazil, Paraguay, Uruguay · Run by Cabal Cooperativa · Official website of Cabal (opens in a new tab)

Mexican domestic card brand issued by local banks and retailers. Carnet debit and credit cards are accepted in stores and online within Mexico.

Mexico · Run by Carnet / Prosa · Official website of Carnet (opens in a new tab)

Business credit card backed by Brazil's national development bank. Companies use it to buy approved equipment and services from registered suppliers and repay in fixed monthly instalments.

Brazil · Run by BNDES · Official website of Cartão BNDES (opens in a new tab)

Argentine network of cash payment points. Shoppers settle bills and online purchases in cash using a barcode or customer reference.

Argentina · Run by Cobro Express · Official website of Cobro Express (opens in a new tab)

Mexican payment request service built on SPEI by the central bank. Buyers scan a QR code or accept a notification in their bank app to pay merchants directly.

Mexico · Run by Banco de México · Official website of CoDi (opens in a new tab)

Payment option that lets Coppel credit customers in Mexico buy at partner online stores and repay the purchase in instalments through their Coppel credit line.

Mexico · Run by Coppel · Official website of Coppel Pay (opens in a new tab)

Uruguayan consumer credit card. Holders buy at partner stores and some online shops and repay in instalments.

Uruguay · Run by Creditel · Official website of Creditel (opens in a new tab)

Digital wallet from Banco Provincia in Argentina. Users open it with their national ID and pay in shops by QR code or send money to others.

Argentina · Run by Banco Provincia · Official website of Cuenta DNI (opens in a new tab)

Mobile wallet from Banco Davivienda in Colombia. Users open it with a phone number and pay merchants, bills and online purchases from their balance.

Colombia · Run by Davivienda · Official website of DaviPlata (opens in a new tab)

Argentine immediate debit scheme. The merchant sends a debit request and the buyer approves it in their online or mobile banking, moving funds from their account.

Argentina · Run by COELSA and BCRA · Official website of DEBIN (opens in a new tab)

Colombian cash payment and money transfer network. Shoppers take a reference from an online purchase and pay it in cash at an Efecty location.

Colombia · Run by Efectivo Ltda · Official website of Efecty (opens in a new tab)

Brazilian domestic card brand created by major local banks. Elo credit, debit and prepaid cards are accepted online and in stores across Brazil, with some cards usable abroad.

Brazil · Run by Elo Serviços · Official website of Elo (opens in a new tab)

Brazilian credit card brand owned by Itaú Unibanco. Cardholders pay online and in shops across Brazil, often splitting purchases into monthly instalments.

Brazil · Run by Itaú Unibanco · Official website of Hipercard (opens in a new tab)

Network of agents in Peru where customers pay bills, make deposits and settle online purchase codes in cash.

Peru · Run by Kasnet / Globokas · Official website of Kasnet (opens in a new tab)

Chilean pay by bank service. The shopper picks their bank at checkout and Khipu initiates a transfer from their account to the merchant.

Chile · Run by Khipu · Official website of Khipu (opens in a new tab)

Buy now pay later provider in Brazil. Shoppers split online purchases, often travel, into instalments paid by boleto or Pix without needing a credit card.

Brazil · Run by Koin · Official website of Koin (opens in a new tab)

Mexican buy now pay later service. Shoppers choose it at online checkout and repay purchases in fortnightly instalments without a credit card.

Mexico · Run by Kueski · Official website of Kueski Pay (opens in a new tab)

Bill and online payment service of the Red Link banking network in Argentina. Customers pay from their bank account through home banking or the Link app.

Argentina · Run by Red Link · Official website of Link Pagos (opens in a new tab)

Jamaican digital wallet. Users pay merchants by QR code, send money to contacts and pay bills from a balance funded by bank or cash top ups.

Jamaica · Run by TranscendPay / NCB Financial Group · Official website of Lynk (opens in a new tab)

Chilean digital account and app from Bci with a prepaid card. Users pay online, in stores and send money to contacts.

Chile · Run by Banco Bci · Official website of MACH (opens in a new tab)

Digital wallet from Mercado Libre used across Latin America. Shoppers log in at checkout and pay with their account balance, saved cards, credit lines or QR codes in stores.

Argentina, Brazil, Mexico, Colombia, Chile, Peru, Uruguay · Run by Mercado Libre · Official website of Mercado Pago (opens in a new tab)

Payment app backed by Argentine banks. Users pay in stores and online by scanning QR codes with their bank cards or accounts and send money to contacts.

Argentina · Run by MODO / Argentine banks · Official website of MODO (opens in a new tab)

Colombian digital wallet with a linked card. Users top up their balance and pay online, in stores and for services from the app.

Colombia · Run by MOVii · Official website of MOVii (opens in a new tab)

Argentine financial app with an account, QR payments and cards. Users pay online and in stores from their balance or with Naranja credit.

Argentina · Run by Naranja X · Official website of Naranja X (opens in a new tab)

Colombian mobile financial app from the Bancolombia group. Users pay online and in shops from their Nequi balance, by QR code or with a linked card.

Colombia · Run by Nequi / Bancolombia group · Official website of Nequi (opens in a new tab)

Checkout option for Nubank customers in Brazil. Shoppers confirm the purchase in the Nubank app and pay from their account balance or credit limit, sometimes in instalments.

Brazil · Run by Nubank · Official website of NuPay (opens in a new tab)

Uruguayan credit card brand. Cardholders pay in shops and online stores in Uruguay, often splitting purchases into instalments.

Uruguay · Run by OCA · Official website of OCA (opens in a new tab)

Cash payment method for online purchases in Mexico. Shoppers receive a reference at checkout and pay it in cash at any OXXO convenience store.

Mexico · Run by OXXO / FEMSA · Official website of OXXO Pay (opens in a new tab)

Brazilian buy now pay later service that lets shoppers split online purchases into instalments paid through Pix instead of a credit card.

Brazil · Run by Pagaleve · Official website of Pagaleve (opens in a new tab)

Digital account and wallet from the PagSeguro group in Brazil. Customers pay online and in stores with the account balance, Pix or the PagBank card.

Brazil · Run by PagSeguro Digital · Official website of PagBank (opens in a new tab)

Paraguayan network of cash payment points. Customers pay bills, services and online purchase references in cash.

Paraguay · Run by Pago Express · Official website of Pago Express (opens in a new tab)

Argentine cash collection network. Shoppers pay online orders and bills in cash at Pago Fácil locations using a printed or digital barcode.

Argentina · Run by Servicio Electrónico de Pago · Official website of Pago Fácil (opens in a new tab)

Argentine bill payment service inside the online banking of Banelco network banks. Customers pay bills and some online orders from their bank account.

Argentina · Run by Prisma Medios de Pago / Banelco · Official website of Pago Mis Cuentas (opens in a new tab)

Cash payment service for online purchases in Latin America. Shoppers receive a code at checkout and pay it in cash at partner shops.

Chile, Peru, Ecuador, Argentina, Mexico · Run by Pago46 · Official website of Pago46 (opens in a new tab)

Peruvian payment method that generates a code at checkout. Shoppers pay it in cash at agents and banks, or through online and mobile banking.

Peru · Run by PagoEfectivo · Official website of PagoEfectivo (opens in a new tab)

Cash payment network in Mexico. Shoppers get a payment reference online and settle it in cash at participating convenience stores, pharmacies and supermarkets.

Mexico · Run by PayCash Global · Official website of PayCash (opens in a new tab)

Ecuadorian payment app. Shoppers pay online stores and local businesses with a linked card or balance after confirming the charge on their phone.

Ecuador · Run by PayPhone · Official website of PayPhone (opens in a new tab)

Argentine digital wallet from Telecom Argentina. Users pay by QR code, buy online with a prepaid card and pay bills from their balance.

Argentina · Run by Telecom Argentina · Official website of Personal Pay (opens in a new tab)

Brazilian digital wallet and payment app. Users pay online stores and shops with their balance, Pix or linked cards, and send money to contacts.

Brazil · Run by PicPay · Official website of PicPay (opens in a new tab)

Brazil's national instant payment scheme run by the central bank. Shoppers pay at any hour by scanning a QR code or using a Pix key in their bank or wallet app.

Brazil · Run by Banco Central do Brasil · Official website of Pix (opens in a new tab)

Recurring payment feature of Pix in Brazil. The payer authorises a merchant once in their banking app, and later bills such as subscriptions and utilities are collected automatically.

Brazil · Run by Banco Central do Brasil · Official website of Pix Automático (opens in a new tab)

Peruvian interbank mobile payment service built into the apps of several banks. Users send money and pay merchants with a phone number or QR code.

Peru · Run by Interbank, BBVA, Scotiabank and partner banks · Official website of Plin (opens in a new tab)

Employee benefit card brand in Brazil, formerly Sodexo Benefits. Cardholders pay for meals and groceries in accredited shops and delivery apps with employer funded balances.

Brazil · Run by Pluxee · Official website of Pluxee (opens in a new tab)

Prepaid card and app used in Uruguay and Argentina. Users load funds, pay online and in stores and transfer money to other users.

Uruguay, Argentina · Run by Prex · Official website of Prex (opens in a new tab)

Cash payment network linked to Banco Provincia in Argentina. Customers pay bills and online purchase codes in cash at its outlets.

Argentina · Run by Provincia NET / Grupo Banco Provincia · Official website of Provincia NET (opens in a new tab)

Colombian online bank payment button. Shoppers choose their bank at checkout, log in to online banking and approve a debit from their savings or current account.

Colombia · Run by ACH Colombia · Official website of PSE (opens in a new tab)

Argentine network of cash payment outlets. Shoppers take a barcode from an online purchase or bill and pay it in cash at any Rapipago point.

Argentina · Run by Gire · Official website of Rapipago (opens in a new tab)

Brazilian payment app for bills, Pix transfers, mobile top ups and transport cards. Users can fund payments from their balance or a credit card, including in instalments.

Brazil · Run by RecargaPay · Official website of RecargaPay (opens in a new tab)

Chilean debit card network used by local banks. Cardholders pay in shops and online stores from their bank account, with acquiring handled by Transbank.

Chile · Run by Transbank and Chilean banks · Official website of Redcompra (opens in a new tab)

Uruguayan cash collection network. Customers pay online orders, bills and services in cash at RedPagos agents.

Uruguay · Run by RedPagos · Official website of RedPagos (opens in a new tab)

Latin American pay by bank and cash service. Shoppers pay online orders through their own online banking or in cash at partner bank branches and agents.

Mexico, Colombia, Peru, Chile, Ecuador, Costa Rica, Panama · Run by SafetyPay · Official website of SafetyPay (opens in a new tab)

Chilean bill and payment network. Customers pay online orders and bills in cash at Servipag branches or through its online bank payment option.

Chile · Run by Servipag · Official website of Servipag (opens in a new tab)

Costa Rican instant transfer service from the central bank, linked to phone numbers. Users pay people and merchants from their bank app using the recipient's mobile number.

Costa Rica · Run by Banco Central de Costa Rica · Official website of SINPE Móvil (opens in a new tab)

Colombian consumer credit service offered at partner stores and online shops. Customers buy on credit and repay in instalments without needing a bank credit card.

Colombia · Run by Sistecrédito · Official website of Sistecrédito (opens in a new tab)

Mexico's interbank electronic payment system run by the central bank. Shoppers pay by transferring funds from their bank app to a merchant account number, with funds settling within seconds.

Mexico · Run by Banco de México · Official website of SPEI (opens in a new tab)

Mexican mobile wallet and card from the OXXO group. Users top up with cash at OXXO stores and pay online, in shops and for bills.

Mexico · Run by OXXO / FEMSA · Official website of Spin by OXXO (opens in a new tab)

Colombian network of agents for cash payments, bill payments and money transfers. Shoppers can pay online orders in cash with a payment reference.

Colombia · Run by SuperGIROS · Official website of SuperGIROS (opens in a new tab)

Argentine credit card brand now part of Naranja X. Cardholders pay in shops and online stores across Argentina, often in instalment plans.

Argentina · Run by Naranja X · Official website of Tarjeta Naranja (opens in a new tab)

Chilean digital account and prepaid card app. Users pay online and in stores, top up their balance and send money from the app.

Chile · Run by Tenpo · Official website of Tenpo (opens in a new tab)

Meal and food benefit card brand in Brazil from Edenred. Employees pay in restaurants, supermarkets and delivery apps using credit loaded by their employer.

Brazil · Run by Edenred Brasil · Official website of Ticket (opens in a new tab)

Mobile money service from the Tigo telecom group in several Latin American countries. Users hold a phone based wallet to pay merchants, bills and send money.

Paraguay, Bolivia, Guatemala, Honduras · Run by Tigo / Millicom · Official website of Tigo Money (opens in a new tab)

Dominican mobile payment service. Users link a bank account to their phone and pay merchants, bills and other people from the app or by text message.

Dominican Republic · Run by GCS Systems · Official website of tPago (opens in a new tab)

Argentine central bank framework for interoperable QR payments. Shoppers scan any merchant QR code with a bank or wallet app and pay by instant transfer.

Argentina · Run by Banco Central de la República Argentina · Official website of Transferencias 3.0 (opens in a new tab)

Argentine financial app with an account and prepaid card. Users pay online, in stores and by QR code, and transfer money from the app.

Argentina · Run by Ualá · Official website of Ualá (opens in a new tab)

Brazilian meal and food voucher card. Employers load benefits that workers spend at accredited restaurants, grocery stores and food delivery services.

Brazil · Run by VR Benefícios · Official website of VR (opens in a new tab)

Online payment page from Transbank in Chile. Shoppers are redirected to enter a local credit, debit or prepaid card and confirm the payment.

Chile · Run by Transbank · Official website of Webpay (opens in a new tab)

Caribbean digital payments provider. Shoppers pay online merchants with a card or with cash vouchers bought at retail agents, and hold a wallet balance.

Trinidad & Tobago, Jamaica, Barbados · Run by WiPay · Official website of WiPay (opens in a new tab)

Peruvian mobile payment app from Banco de Crédito del Perú. Users pay shops and people instantly with a phone number or by scanning a QR code.

Peru · Run by Banco de Crédito del Perú · Official website of Yape (opens in a new tab)

Panamanian mobile payment app from Banco General. Users pay shops and online stores and send money using a phone number or directory name.

Panama · Run by Banco General · Official website of Yappy (opens in a new tab)

South African prepaid cash voucher. Shoppers buy a voucher with cash at retail outlets and redeem the code to pay online merchants or fund accounts.

South Africa · Run by 1Voucher / Flash · Official website of 1Voucher (opens in a new tab)

UAE instant payments platform. Bank customers send and request money around the clock using a mobile number, email or QR code, and merchants can collect payments directly to their accounts.

United Arab Emirates · Run by Al Etihad Payments / Central Bank of the UAE · Official website of Aani (opens in a new tab)

Mobile money service of Airtel across Africa. Users load cash at agents, pay merchants and bills from their phone, and send money domestically and across borders.

Kenya, Uganda, Tanzania, Rwanda, Zambia, Malawi, Nigeria, Congo - Kinshasa, Congo - Brazzaville, Gabon, Madagascar, Niger, Chad, Seychelles · Run by Airtel Africa · Official website of Airtel Money (opens in a new tab)

Bahrain national mobile wallet. Users link their bank cards, pay merchants by QR code or online, and send money to contacts using a mobile number.

Bahrain · Run by The BENEFIT Company · Official website of BenefitPay (opens in a new tab)

Online payment option for Capitec Bank clients. Shoppers enter their identifier at checkout and approve the payment in the banking app without card details.

South Africa · Run by Capitec Bank · Official website of Capitec Pay (opens in a new tab)

Moroccan network of agencies for cash payments and transfers. Shoppers pay bills and online orders in cash at an agency, and can also use the mobile wallet.

Morocco · Run by Cash Plus · Official website of Cash Plus (opens in a new tab)

UAE based buy now pay later provider. Shoppers pick it at checkout and pay for larger purchases in monthly instalments, with approval decided at the point of sale.

United Arab Emirates · Run by Cashew Payments · Official website of Cashew (opens in a new tab)

Mobile money service of the state owned Commercial Bank of Ethiopia. Users pay merchants and bills and send money through agents, an app or USSD.

Ethiopia · Run by Commercial Bank of Ethiopia · Official website of CBE Birr (opens in a new tab)

Algerian interbank debit card. Bank customers use the CIB card at ATMs, store terminals and for online payments to Algerian merchants and utilities.

Algeria · Run by GIE Monétique · Official website of CIB (opens in a new tab)

Jordan instant payment system. Bank and wallet customers send money around the clock using an alias or mobile number, and merchants can collect payments through it.

Jordan · Run by Jordan Payments and Clearing Company (JoPACC) · Official website of CliQ (opens in a new tab)

Moroccan interbank card processing network. Shoppers pay online merchants and stores in Morocco with local bank cards through the CMI payment page and terminals.

Morocco · Run by Centre Monétique Interbancaire · Official website of CMI (opens in a new tab)

Egyptian consumer finance company. Shoppers buy goods at partner retailers and online stores and repay them in instalments through a Contact credit limit.

Egypt · Run by Contact Financial Holding · Official website of Contact (opens in a new tab)

South African authenticated debit order system. Consumers confirm a debit mandate with their bank once, and merchants then collect recurring payments under it.

South Africa · Run by Payments Association of South Africa · Official website of DebiCheck (opens in a new tab)

Rewards currency from Discovery. Members earn miles through health, insurance and banking activity and spend them at partner stores and online merchants.

South Africa · Run by Discovery · Official website of Discovery Miles (opens in a new tab)

Tunisian postal prepaid card and electronic wallet. Users load it at post offices and pay online merchants and government services in Tunisian dinars.

Tunisia · Run by La Poste Tunisienne · Official website of e-Dinar (opens in a new tab)

Rewards programme of FNB. Members earn points through banking and spend them as payment at partner retailers and online stores.

South Africa · Run by FNB / FirstRand · Official website of eBucks (opens in a new tab)

QR payment service from Ecobank. Shoppers scan a merchant code with the Ecobank app or other supported apps and pay from their account or card.

Nigeria, Ghana, Kenya, Côte d’Ivoire, Senegal, Cameroon, Togo, Uganda, Rwanda, Zambia · Run by Ecobank · Official website of Ecobank Pay (opens in a new tab)

Zimbabwean mobile money service. Users deposit cash with agents, pay merchants and bills from their phone, and send money to other users.

Zimbabwe · Run by Econet Wireless / Cassava · Official website of EcoCash (opens in a new tab)

Algerian postal debit card linked to a postal account. Holders withdraw cash, pay at stores and settle online purchases and bills inside Algeria.

Algeria · Run by Algérie Poste · Official website of Edahabia (opens in a new tab)

Jordan national electronic bill payment system. Customers view and pay bills from utilities, government bodies and merchants through their bank, wallet or payment agents.

Jordan · Run by Madfoo3atcom / Central Bank of Jordan · Official website of eFAWATEERcom (opens in a new tab)

Mobile banking and payment service of Equity Bank on its own mobile network. Users pay merchants, send money and transfer between accounts from their phone.

Kenya · Run by Equity Bank · Official website of Equitel (opens in a new tab)

South African instant credit service. Shoppers apply at checkout at partner stores and pay off the purchase in monthly instalments.

South Africa · Run by FASTA · Official website of FASTA (opens in a new tab)

Qatar instant payment service. Bank customers transfer money around the clock using a mobile number or alias through their banking app, with funds credited within seconds.

Qatar · Run by Qatar Central Bank · Official website of Fawran (opens in a new tab)

Bahrain instant bank transfer service. Customers send money between local bank accounts around the clock through online and mobile banking, with funds credited immediately.

Bahrain · Run by The BENEFIT Company · Official website of Fawri+ (opens in a new tab)

Egyptian payment network. Shoppers receive a reference number for an online order or bill and pay it in cash at a retail outlet, or through the app or a bank card.

Egypt · Run by Fawry for Banking and Payment Technology Services · Official website of Fawry (opens in a new tab)

Tunisian mobile wallet and payment app. Users pay merchants by QR code or online, send money to contacts, and top up at partner outlets.

Tunisia · Run by Flouci · Official website of Flouci (opens in a new tab)

Mobile money service from FNB. Account holders send money to a phone number and recipients withdraw cash at ATMs or spend it without a bank account.

South Africa, Namibia, Botswana · Run by FNB / FirstRand · Official website of FNB eWallet (opens in a new tab)

Bank led mobile money wallet in Ghana. Users open it through participating banks and pay merchants, bills and other people from their phone.

Ghana · Run by Ghana Interbank Payment and Settlement Systems (GhIPSS) · Official website of GhanaPay (opens in a new tab)

Regional card scheme for the West African monetary union. Member banks issue cards that holders use at ATMs, stores and online across the region.

Benin, Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal, Togo · Run by Groupement Interbancaire Monétique de l'UEMOA · Official website of GIM-UEMOA (opens in a new tab)

Mobile money service of Halotel in Tanzania. Subscribers deposit cash at agents, pay merchants and bills, and send money to other networks.

Tanzania · Run by Halotel · Official website of HaloPesa (opens in a new tab)

South African buy now pay later service. Shoppers split purchases into interest free instalments at partner stores and online checkouts.

South Africa · Run by Happy Pay · Official website of Happy Pay (opens in a new tab)

Qatar national prepaid and debit card scheme introduced by the central bank. Local banks issue the cards, which shoppers use at stores and online merchants inside the country.

Qatar · Run by Qatar Central Bank · Official website of Himyan (opens in a new tab)

Egypt instant payment app. Bank customers send money around the clock using a mobile number or payment address, and pay merchants by QR code.

Egypt · Run by Instant Payment Network / Egyptian Banks Company · Official website of InstaPay (opens in a new tab)

UAE national domestic card scheme. Local banks issue Jaywan debit and prepaid cards that shoppers use at stores and online, with cobadged versions for use outside the country.

United Arab Emirates · Run by Al Etihad Payments / Central Bank of the UAE · Official website of Jaywan (opens in a new tab)

Mobile banking and payment app of MCB in Mauritius. Users pay merchants by QR code, send money to a phone number and pay bills.

Mauritius · Run by MCB · Official website of Juice (opens in a new tab)

Kuwait national debit card switch. Shoppers pay online through the KNET payment page or at store terminals using any local bank debit card.

Kuwait · Run by The Shared Electronic Banking Services Company (KNET) · Official website of KNET (opens in a new tab)

Merchant payment service of Kenyan mobile money. Shoppers pay a business using its Till or Paybill number or a prompt sent to their phone, then confirm with a PIN.

Kenya · Run by Safaricom · Official website of Lipa na M-Pesa (opens in a new tab)

Kenyan mobile money service. Users deposit cash at agents, send money by phone number and pay merchants, bills and online stores from their phone.

Kenya · Run by Safaricom · Official website of M-Pesa (opens in a new tab)

Ethiopian mobile money service launched by the local Safaricom operator. Users deposit cash with agents, pay merchants and send money from their phone.

Ethiopia · Run by Safaricom Ethiopia · Official website of M-Pesa Ethiopia (opens in a new tab)

Mobile money service of Vodacom in Mozambique. Users deposit cash at agents, pay merchants and bills, and send money from their phone.

Mozambique · Run by Vodacom Mozambique · Official website of M-Pesa Mozambique (opens in a new tab)

Tanzanian mobile money service. Users deposit cash at agents, pay merchants with a till number or prompt, and send money to other wallets and banks.

Tanzania · Run by Vodacom Tanzania · Official website of M-Pesa Tanzania (opens in a new tab)

Saudi national debit card scheme linking local banks. Shoppers pay with a mada card in stores, online or through mobile wallets.

Saudi Arabia · Run by Saudi Payments / Saudi Central Bank · Official website of mada (opens in a new tab)

Egypt national card scheme. Banks issue Meeza debit and prepaid cards that shoppers use at stores, online merchants and government payment channels inside Egypt.

Egypt · Run by Egyptian Banks Company / Central Bank of Egypt · Official website of Meeza (opens in a new tab)

Mobile money brand of Yas, formerly Tigo Pesa in Tanzania and Free Money in Senegal. Users pay merchants and bills and send money from their phone.

Tanzania, Senegal · Run by Axian Telecom / Yas · Official website of Mixx by Yas (opens in a new tab)

South African revolving credit facility for online shopping. Approved shoppers pay at partner stores and repay the balance in monthly instalments.

South Africa · Run by Mobicred · Official website of Mobicred (opens in a new tab)

Mobile money service of Moov Africa in West and Central Africa. Subscribers pay merchants and bills from their phone and send money to other users.

Côte d’Ivoire, Benin, Togo, Burkina Faso, Niger, Mali, Chad · Run by Moov Africa / Maroc Telecom · Official website of Moov Money (opens in a new tab)

Buy now pay later service from TymeBank. Shoppers pay part of the price upfront and the rest in instalments, at partner stores and online.

South Africa · Run by TymeBank · Official website of MoreTyme (opens in a new tab)

Mobile money service of MTN across many African markets. Users keep a balance on their phone, pay merchants by code or prompt, and send money to others.

Ghana, Uganda, Rwanda, Cameroon, Côte d’Ivoire, Benin, Zambia, Congo - Brazzaville, Guinea, Liberia, Eswatini · Run by MTN Group · Official website of MTN MoMo (opens in a new tab)

Mobile wallet from Mauritius Telecom. Users pay merchants by QR code, pay bills and send money to other users from their phone.

Mauritius · Run by Mauritius Telecom · Official website of my.t money (opens in a new tab)

Mobile money service of Mascom in Botswana. Users store money on their phone, pay merchants and bills, and send money to other subscribers.

Botswana · Run by Mascom Wireless · Official website of MyZaka (opens in a new tab)

Qatar national ATM and point of sale debit network. Holders of local bank debit cards pay in shops and withdraw cash across all banks in Qatar.

Qatar · Run by Qatar Central Bank · Official website of NAPS (opens in a new tab)

Nigerian instant interbank transfer service behind most account transfers. Online shoppers often pay by sending a transfer to a merchant account, confirmed within seconds.

Nigeria · Run by Nigeria Inter Bank Settlement System (NIBSS) · Official website of NIP (opens in a new tab)

Nigerian national QR payment scheme. Shoppers scan a merchant code with their bank or wallet app and the amount moves instantly from their account.

Nigeria · Run by Nigeria Inter Bank Settlement System (NIBSS) · Official website of NQR (opens in a new tab)

Mobile wallet from the Qatari telecom operator. Users load money at outlets or by card, pay bills and merchants, and send remittances abroad from the app.

Qatar · Run by Ooredoo Qatar · Official website of Ooredoo Money (opens in a new tab)

Mobile wallet and payment app in Nigeria. Users fund the wallet by transfer or card, pay merchants and bills, and send money to bank accounts.

Nigeria, Egypt · Run by OPay · Official website of OPay (opens in a new tab)

Mobile wallet from the Egyptian telecom operator. Users load cash at outlets, pay bills and online merchants, and transfer money to other wallets and bank accounts.

Egypt · Run by Orange Egypt · Official website of Orange Cash (opens in a new tab)

Mobile money service of Orange in Africa and the Middle East. Users deposit cash with agents, pay merchants and bills, and confirm online payments on their phone.

Senegal, Côte d’Ivoire, Cameroon, Mali, Burkina Faso, Guinea, Madagascar, Congo - Kinshasa, Botswana, Liberia, Sierra Leone, Morocco, Jordan, Tunisia · Run by Orange · Official website of Orange Money (opens in a new tab)

South African pay by bank service. Shoppers choose it at checkout, log in to their own bank and approve an instant transfer to the merchant.

South Africa · Run by Ozow · Official website of Ozow (opens in a new tab)

Nigerian mobile payments service. Users fund an account at agents or by transfer, pay merchants and bills, and send money by phone number.

Nigeria · Run by Paga · Official website of Paga (opens in a new tab)

Nigerian mobile wallet and payment app. Users pay merchants, buy airtime and pay bills, and transfer money to bank accounts and other users.

Nigeria · Run by PalmPay · Official website of PalmPay (opens in a new tab)

South African buy now pay later service. Shoppers choose it at checkout and split the purchase into interest free instalments paid over the following weeks.

South Africa · Run by PayFlex · Official website of PayFlex (opens in a new tab)

Digital wallet from First Abu Dhabi Bank. Users in the UAE pay merchants by QR code or in app, pay bills and send money to friends and family.

United Arab Emirates · Run by First Abu Dhabi Bank · Official website of Payit (opens in a new tab)

South African buy now pay later service. Shoppers choose it at checkout and pay the purchase in interest free instalments over the following months.

South Africa · Run by PayJustNow · Official website of PayJustNow (opens in a new tab)

South African instant payment rail. Bank customers send money using a ShapID such as a mobile number, with funds arriving in the recipient account within seconds.

South Africa · Run by PayInc (formerly BankservAfrica) / Payments Association of South Africa · Official website of PayShap (opens in a new tab)

Kenyan instant interbank transfer service. Bank customers send money between accounts around the clock using an account or phone number through their banking app.

Kenya · Run by Integrated Payment Services Limited / Kenya Bankers Association · Official website of PesaLink (opens in a new tab)

Iraqi card and payment network widely used for salaries and pensions. Cardholders pay at stores, withdraw cash at agents and ATMs, and shop online.

Iraq · Run by International Smart Card (Qi) · Official website of Qi Card (opens in a new tab)

Nigerian payment app and website from Interswitch. Users pay bills, buy airtime and pay online merchants with linked cards or bank accounts.

Nigeria · Run by Interswitch · Official website of Quickteller (opens in a new tab)

South African store and credit card provider. Cardholders buy at partner retailers and online stores and repay purchases over a chosen number of months.

South Africa · Run by RCS / BNP Paribas Personal Finance · Official website of RCS (opens in a new tab)

Saudi national bill presentment and payment system. Shoppers receive a biller number and pay it from their online or mobile banking, and it is used for utilities, government fees and online orders.

Saudi Arabia · Run by Saudi Payments / Saudi Central Bank · Official website of SADAD (opens in a new tab)

Saudi instant payment system run by the central bank. Account holders send money around the clock between local banks, often using a mobile number as the identifier, with funds arriving within seconds.

Saudi Arabia · Run by Saudi Payments / Saudi Central Bank · Official website of sarie (opens in a new tab)

South African QR payment app. Shoppers scan a merchant code with the app and pay with a linked bank card, in stores and online.

South Africa · Run by Standard Bank · Official website of SnapScan (opens in a new tab)

Saudi digital bank that grew out of the STC Pay wallet. Customers pay merchants by app, QR code or linked card and send money to other users in Saudi Arabia.

Saudi Arabia · Run by STC Bank · Official website of STC Bank (opens in a new tab)

Egyptian buy now pay later service. Shoppers choose it at partner stores or online checkout and split purchases into instalments paid over the following months.

Egypt · Run by Sympl · Official website of Sympl (opens in a new tab)

Mobile money service of Telkom Kenya. Users deposit cash at agents, pay merchants and bills, and send money to other mobile wallets.

Kenya · Run by Telkom Kenya · Official website of T-Kash (opens in a new tab)

Buy now pay later service used across the Gulf. Shoppers pick it at checkout and split the purchase into interest free instalments charged to their card, online and in stores.

United Arab Emirates, Saudi Arabia, Kuwait · Run by Tabby · Official website of Tabby (opens in a new tab)

Saudi buy now pay later provider offering Sharia compliant instalments. Shoppers select it at online or store checkout and repay the purchase in equal parts over several weeks or months.

Saudi Arabia, United Arab Emirates, Kuwait · Run by Tamara · Official website of Tamara (opens in a new tab)

Ethiopian mobile money service. Users pay merchants by QR code or short code, pay bills and send money to other wallets and bank accounts.

Ethiopia · Run by Ethio telecom · Official website of telebirr (opens in a new tab)

Ghanaian mobile money service formerly known as Vodafone Cash. Users store money on their phone, pay merchants and bills, and send money to other networks.

Ghana · Run by Telecel Ghana · Official website of Telecel Cash (opens in a new tab)

Omani digital wallet and payment app. Users pay online shops and stores through the app or payment links and send money to other users in Oman.

Oman · Run by Thawani Technologies · Official website of Thawani (opens in a new tab)

Mobile money service of TNM in Malawi. Users deposit cash with agents, pay merchants and bills, and send money to other phones.

Malawi · Run by TNM · Official website of TNM Mpamba (opens in a new tab)

Saudi mobile wallet backed by Al Rajhi Bank. Users top up the app, pay merchants with a linked card or QR code, and send money locally and abroad.

Saudi Arabia · Run by Al Rajhi Bank / Al Tamayouz · Official website of urpay (opens in a new tab)

Egyptian buy now pay later and consumer finance provider. Shoppers select it online or at partner stores and repay purchases in monthly instalments.

Egypt · Run by valU / EFG Holding · Official website of valU (opens in a new tab)

Nigerian domestic card scheme. Local banks issue Verve debit and prepaid cards that shoppers use online, at store terminals and at ATMs.

Nigeria · Run by Interswitch · Official website of Verve (opens in a new tab)

Egyptian mobile wallet tied to a phone line. Users deposit cash at outlets, pay bills and merchants, and send money to other wallets using a mobile number.

Egypt · Run by Vodafone Egypt · Official website of Vodafone Cash (opens in a new tab)

Moroccan cash payment and transfer network. Customers pay bills and online orders in cash at agencies and receive money transfers from Morocco and abroad.

Morocco · Run by Wafacash / Attijariwafa bank · Official website of Wafacash (opens in a new tab)

Mobile money service in West Africa. Users deposit and withdraw cash at agents, pay merchants by QR code and send money to other users through the app.

Senegal, Côte d’Ivoire, Mali, Burkina Faso, Gambia · Run by Wave Mobile Money · Official website of Wave (opens in a new tab)

Lebanese digital wallet and money transfer service. Users top up at agents or by card, pay merchants and bills, and send money locally and abroad.

Lebanon · Run by Whish Money · Official website of Whish Money (opens in a new tab)

Iraqi mobile wallet linked to the telecom operator. Users deposit cash at agents, pay merchants online and in stores, and send money to other wallet holders.

Iraq · Run by Zain Iraq · Official website of Zain Cash (opens in a new tab)

South African QR payment app. Shoppers scan a code on a bill or at checkout and pay with a linked card, often used in restaurants and stores.

South Africa · Run by Zapper · Official website of Zapper (opens in a new tab)

UAE payment app for people and small businesses. Users send money to contacts and merchants share payment links or QR codes that customers pay with cards or wallet balance.

United Arab Emirates · Run by Ziina · Official website of Ziina (opens in a new tab)

Zimbabwe national payment switch. Bank cardholders pay at store terminals, withdraw cash and send instant transfers between banks and wallets.

Zimbabwe · Run by ZimSwitch Technologies · Official website of ZimSwitch (opens in a new tab)