betaalplatforms

Betaalplatforms are online payment platforms that enable merchants to accept electronic payments from customers. They act as intermediaries between the merchant, payment methods, and banks, handling payment authorization, settlement, and risk management. Many operate as payment service providers ( PSPs) and offer tools for onboarding, checkout, fraud prevention, and reporting.

Typical capabilities include supporting multiple payment methods (credit and debit cards, iDEAL, Bancontact, SEPA, SOFORT, Apple Pay, Google Pay, wallets), multi-currency processing, recurring billing, and refunds. They usually provide a developer-friendly API or hosted checkout to integrate with online stores, apps, or marketplaces, and they may include dashboards for reconciliation and analytics.

Betaalplatforms come in a few forms: full-service PSPs that supply merchant accounts and gateway services, payment gateways that route transactions to issuers, and processors focused on specific regions or methods. Some platforms operate as all-in-one solutions, handling onboarding, risk scoring, settlement, and customer support.

Security and regulatory compliance are central. Platforms are typically PCI DSS compliant, implement tokenization and TLS encryption, and often support 3D Secure and other strong customer authentication requirements under PSD2 in the European Union. They also help with dispute handling and fraud prevention.

Regional use varies; iDEAL is popular in the Netherlands, while Adyen, Mollie, Stripe, and Buckaroo are widely used across Europe for multi-method acceptance. In other markets, platforms may emphasize local methods and currencies.

Considerations for merchants include fees, settlement times, supported currencies, onboarding speed, ease of integration, and risk controls. Cross-border shopping and refunds can affect cost and experience, making platform choice important for scalability and compliance.