eCommerce payments built for checkout conversion
Direct card acquiring, local methods and Open Banking, across every market you sell to.
FMA-licensed payment institution, passported across the EU/EEA.
Principal member of Visa and Mastercard
PCI DSS Level 1 certified
25+ years of payments expertise
What the right payment setup does for your shop
Boost checkout conversion
Cards, APMs, and Open Banking from one provider. Buyers pay how they expect to, in every market.
Keep your subscribers paying
Recurring revenue keeps running even when cards expire or are replaced. Account Updater and Network Tokens keep card credentials up to date.
Scale globally
Sell internationally with the right mix of cards, local payment methods, and multi-currency checkout, all under one contract.
Increase sales
A balanced payment mix gives buyers their preferred way to pay, reducing cart abandonment and driving more completed purchases.
Our Partners
Fewer drop-offs at the payment step
Give buyers the payment methods they already reach for, and checkout takes care of itself. The fewer hurdles between basket and confirmation, the more purchases go through.
Local payment methods:
The methods buyers expect in each market, ready to switch on anytime
Local currency:
Price and charge in the buyer’s currency where supported, so cross-border shoppers don’t drop off
Store payment details:
Kept across devices and channels, turning returning visitors into repeat buyers
Risk-based 3D Secure:
Keep genuine buyers out of unnecessary challenges
Automatic retries:
A single decline doesn’t end the sale; a passing issue doesn’t cost you the order.
Custom checkout:
Integrate payments while keeping your shop’s look and feel.
Why a direct card acquirer matters for eCommerce payments
A direct acquirer holds its own relationships with card schemes: it processes, authorises and settles card payments under its own licences. DIMOCO is principal member of Visa and Mastercard. For an online shop, that changes three things:
Flexible and transparent pricing.
Choose the pricing model that fits your business, with IC++ or blended pricing options depending on your setup and requirements.
Direct authorisation feedback.
Declines any authorisation responses coming directly from the acquirer, so you see what buyers actually experience at checkout and can act on it.
Recurring payments stay alive.
Cards expire, get reissued, or get replaced after loss or theft. Because these tools run at the acquirer level, recurring revenue stays intact:
- Account Updater and Network Tokens keep card credentials current, so recurring payments keep running when cards change
- Card-on-File support for merchant-initiated and buyer-initiated recurring transactions
For subscription commerce and any online shop with a recurring revenue base, this is what keeps the base intact.
The right payment method for eCommerce
Card
Accept Visa and Mastercard through DIMOCO direct acquiring. American Express can be processed through the same technical integration using your existing American Express acceptance agreement.
Open Banking and Pay by Bank
Direct account-to-account payments at checkout for one-time and higher-value purchases. Merchant onboarding and KYC are handled directly by DIMOCO. Zero chargebacks, near-instant settlement, and broad access to banks across the European Union.
Local Payment Methods
The alternative payment methods that matter most across Europe’s key eCommerce markets.
Austria: EPS
Belgium: Bancontact
Poland: BLIK, P24, PayU
Italy: MyBank
Portugal: Multibanco
Digital Wallets
Offer Apple Pay, Google Pay and PayPal for a faster checkout. Customers can use their stored payment details in their digital wallet to complete purchases with less manual input.
Why merchants choose DIMOCO
Every online shop is different. That’s why DIMOCO builds payment setups around your business model, target markets and growth plans instead of offering a one-size-fits-all solution.
Tailored payment strategy and setup
Direct merchant onboarding and KYC
One contract across multiple payment methods
Long-term payment provider and partner for growth
As the largest padel provider in Vienna, we handle a high volume of daily bookings across multiple locations. A reliable and seamless payment solution is essential to ensure a consistently high-quality player experience. With DIMOCO, we have found a solution that optimally supports our processes while providing the foundation for our continued growth.
Simon Sladek, Operations Manager at Padeldome
For developers: payment gateway API and integration
Shopify and WooCommerce plugins
Install, configure your credentials and start accepting payments.
Full-Page Redirect
Send buyers to a hosted payment page, the fastest route with the least build.
Hosted Payment Form
Embed DIMOCO’s fields as an iFrame inside your own checkout.
Payment.js
Integrate card payments into your checkout while sensitive card data (card number and CVV) is securely collected in hosted iFrames. PCI-DSS SAQ-A.
Server-to-Server
Run the full transaction flow from your backend, including debits, pre-authorisations, captures, voids and refunds.
One partner for every market you sell to
Talk to the DIMOCO payments team about your online shop, your markets, and the setup that fits.
Payment management and operations
Which payment methods should my online shop offer?
Cards for the majority of transactions, APMs for buyers in markets where a local method is expected, and Open Banking for higher-value or account-based purchases. The specific mix depends on which markets the shop sells into.
What is a direct acquirer?
A direct acquirer holds the relationships with the card schemes (Visa, Mastercard) itself. Pricing is set at the acquirer level and authorisation feedback comes directly from the acquirer.
Does DIMOCO support recurring payments and subscriptions?
Yes. Card-on-File covers merchant-initiated and buyer-initiated recurring transactions, and Account Updater and Network Tokens keep card credentials current when cards expire or get reissued, so recurring payments keep running when a card changes.
What about shops with higher basket values?
For larger orders, some buyers prefer paying directly from their bank account. Open Banking covers this alongside cards and local methods.
Does this work for retailers selling beyond the EU?
Yes. End customers can pay by card from almost anywhere in the world. European online shops selling within the EEA and into markets outside it can use the same setup, with methods activated per target market.
What kind of online shops does DIMOCO work with?
Online shops and retailers across categories, from fashion and electronics to digital goods, subscription commerce, and business-to-business (B2B) eCommerce.
What is PCI DSS and why does it matter for my shop?
PCI DSS (Payment Card Industry Data Security Standard) is the security standard every business accepting card payments has to comply with. The compliance effort depends on whether the shop processes, transmits, or stores card data on its own systems. A shop that stores card numbers carries the full scope, with audits and extensive requirements. A shop that never handles card data directly has a much smaller scope and a short self-assessment. The DIMOCO integration models are built for exactly that: card data stays outside the shop’s systems, and the shop stays in the smallest scope.
How can my shop reduce its PCI scope?
By keeping card data out of the shop’s own systems. With the DIMOCO integration models, card number and CVV are entered in hosted iFrames or on a hosted payment page. For recurring payments, cards are tokenized: the shop works with tokens instead of card numbers, so it can offer stored cards and subscriptions without storing card data itself.
How is 3D Secure handled?
3D Secure runs where required by scheme and regulatory rules. The flow is applied per method and per market.
How does the integration work for a shop platform?
Several integration models are available, from hosted payment pages that keep card data out of the shop environment, to a JavaScript integration that lets the shop keep its own checkout design, to a full-page redirect and server-to-server calls.
Which currencies can my shop accept?
Settlement runs in EUR, USD, GBP, CHF and DKK.