betalingsplatform

A betalingsplatform is a digital system that enables merchants to accept and process electronic payments from customers, across online and in-person channels. It provides the infrastructure to authorize, settle, and reconcile transactions, and often bundles fraud prevention, dispute management, and reporting.

Core components include a merchant portal or API, a payment gateway that routes data to payment processors, and connections to acquiring banks and card networks. The platform may support multiple payment methods such as credit and debit cards, bank transfers, e-wallets, and regional methods. It handles checkout flows, tokenization of payment data, and often offers fraud analytics, risk scoring, and 3D Secure.

Integration is typically API-based, with optional hosted checkout or embedded fields. Subscriptions and marketplaces may require split payments, multi-party settlements, and advanced reconciliation. Deployment models range from hosted services to self-hosted SDKs.

Security and compliance are central. Providers comply with standards such as PCI DSS; in the EU, strong customer authentication (SCA) under PSD2 and fraud controls are common. Tokenization, encryption, and fraud prevention tools are used to reduce risk.

Settlement and fees vary: merchants are charged per-transaction fees, plus potential monthly or setup costs; funds are typically settled to merchant accounts on a daily, weekly, or batched basis.

Examples of betalingsplatforms include Adyen, Stripe, Mollie, PayPal, and Klarna, among others. Use cases span e-commerce, marketplaces, subscriptions, and on-demand services, with regional payment method support shaping the choice of platform.