betalingskoppeling

Betalingskoppeling is the technical connection between a merchant’s sales system (such as a webshop or invoicing platform) and a payment service provider (PSP). The koppeling enables initiation, processing, and reconciliation of payments, and determines how payment data flows between the merchant, the customer, and the PSP. It can refer to API-based integrations as well as hosted payment experiences.

There are two common integration patterns. In direct API integration, the merchant’s system communicates with the PSP’s APIs to create payments, capture funds, and receive status updates. In hosted or redirected payments, the customer is sent to the PSP’s payment page, and the PSP returns the result to the merchant. Both approaches rely on secure data handling, with sensitive card data often tokenized or processed by the PSP.

Supported payment methods vary by PSP and region, but typically include credit and debit cards, bank transfers, and local methods such as iDEAL or Bancontact, as well as wallets or buy-now-pay-later options. The choice of method affects user experience, settlement times, and fees.

Security and compliance are central to betalingskoppeling. Data is protected with encryption (TLS), and payment data can be tokenized. PCI DSS compliance considerations differ depending on whether the merchant uses a hosted payment page (which can reduce PCI scope) or handles payment data directly via API integration (which requires full PCI compliance). Merchants must also manage webhooks, fraud controls, and privacy regulations.

Advantages include improved security, reduced PCI burden, and easier maintenance, while downsides can be dependence on a PSP, ongoing fees, and potential integration complexity. Betalingskoppelingen are widely used in e-commerce, marketplaces, and subscription services, with many PSPs offering plugins and APIs to support various platforms.