Offer each market's local payment methods through your provider

Review by

2027-10-01

How to do it

Cards are not the first choice everywhere. Buyers in many countries expect a phone or bank method, listed in the table below. Most providers offer these methods as one more payment method type, so the order flow stays the same. Give each payment request your own unique ID, so a retry never creates a second request. Treat a callback as a hint and read the status before you ship, as Let provider events move the order says. Some of these methods settle later, which Wait for payment methods that settle later covers. The Dutch iDEAL is moving to the European wallet Wero, with the banks aiming to finish by the end of 2027. Ask your provider when your iDEAL integration changes, and keep the method behind a configuration flag. Recheck the table once a year.

Examples

JavaScript example

import { randomUUID } from 'node:crypto'

export async function createSwishRequest(order) {
  const instructionId = order.swishInstructionId ?? randomUUID().replaceAll('-', '').toUpperCase()
  await orders.saveSwishInstructionId(order.id, instructionId)
  await swish.put(`/api/v2/paymentrequests/${instructionId}`, {
    payeeAlias: SWISH_NUMBER,
    amount: (order.totalMinor / 100).toFixed(2),
    currency: 'SEK',
    callbackUrl: 'https://example.com/swish/callback',
    payeePaymentReference: order.id,
  })
  return instructionId
}

Python example

import uuid

def create_swish_request(order) -> str:
    instruction_id = order.swish_instruction_id or uuid.uuid4().hex.upper()
    orders.save_swish_instruction_id(order.id, instruction_id)
    swish.put(
        f"/api/v2/paymentrequests/{instruction_id}",
        json={
            "payeeAlias": SWISH_NUMBER,
            "amount": f"{order.total_minor / 100:.2f}",
            "currency": "SEK",
            "callbackUrl": "https://example.com/swish/callback",
            "payeePaymentReference": order.id,
        },
    )
    return instruction_id

How to check

A data file lists each country you sell to with its local methods. A test checkout per country shows those methods. A test against the provider's or the method's test environment creates a payment request twice with the same ID and gets one request. A forged callback that says paid, without a matching status read, leaves the order unpaid.

Related rules

• PAY-18 Let provider events move the order in Payments and billing
• PAY-19 Wait for payment methods that settle later in Payments and billing