A holistic solution

"Holistic: the value of the whole of an entity is greater than the sum of its parts.""

Our business solutions

A range of services for a solution that is perfectly adapted to suit your business model.

E-commerce businesses

Goods and services
Travel/tourism
Digital
Payment once a quote has been accepted
Subscriptions to journals or services
Orders made over the phone
Generating a payment link
Website without shopping cart
Server/Server and Tokenization
Mobile application (IOS and Android)
Goods and services

You sell goods or services on your website.

All payment methods are possible. Depending on the payment instrument used, the payment can either be validated in real time or after the amount has been debited, which is most often the case for cheque, bank transfer, or SEPA Klik eDebit payments.
Direct or deferred payments   Direct or deferred payments
Payments in multiple instalments   Payments in multiple instalments
subscription payment   Subscriptions
Travel/tourism

You take a deposit upon reservation and the remaining balance at a later date.

Do you want to verify the availability of an item or the identity of your client before taking the payment? In this case, a deferred payment can be arranged, via your website, or an email or SMS, managed by Klik & Pay. With tokenization, you can also manage deposits.
Payments via email or SMS   Payments via email or SMS
Payments in two instalments   Payments in two instalments, the first either direct or deferred.
Digital

You sell content online 24/24, 7/7

Active feedback generated by Klik & Pay makes information available as soon as the payment has been validated. For direct cheque or bank transfer payments, or SEPA Klik eDebit payments, the active feedback is generated once funds have been received.
Direct payment   Direct payment
Subscriptions   Subscriptions
Payment once a quote has been accepted

Payment is made off-site, once a quote has been accepted.

From the Klik & Pay management back-office, you can generate an email and/or SMS. Your client then simply needs to fill out their bank details.
Payments via email or SMS   Payments via email or SMS
Direct payments   Direct payments
Payments in multiple instalments   Payments in multiple instalments
Subscriptions   Subscriptions
Subscriptions to journals or services

Do you offer one or more subscription options on your e-commerce site?

Do you have a trial period?

Is payment taken on a specific date once a month?

You can easily configure different options from the back-office. If your subscriptions are linked to consumption and the amounts are therefore variable, tokenization allows you to adapt the amounts to be debited.
Direct or deferred payments   Direct or deferred payments

Orders made over the phone

Your call centre manages your clients and their payments.

Create user accounts for your "telesellers". For payments made after the phone call, using the "defer" option allows you to run a credit check. Store the estimated amount and only debit what is actually consumed.
Payment terminals with client directory   Payment terminals with client directory
Direct or deferred payments   Direct or deferred payments
Generating a payment link

You want to insert a payment link into your invoice.

A payment link is sent to you via email. Insert it into the invoice, an email, or any other material you send to the paying client, and all they need to do is fill out their bank details.
Payments via email or SMS   Payments via email or SMS
Website without shopping cart

Does your website have very few product criteria or does it not have a shopping cart?

Install a payment button, displaying the amount to be paid, on your website, and your customer can fill in their details on our payment page. You will find all your customers’ information in your back-office.
Direct or deferred payments   Direct or deferred payments
Payments in multiple instalments   Payments in multiple instalments
subscription payment   Subscriptions
Server/Server and Tokenization

For complete independence

  Use the Server/Server option

On-line, your clients stay on your e-commerce site.

Off-line you can send payment requests or refunds with an alias generated during the first transaction, by choosing the amounts and dates for all recurring clients, your multi-instalment payments or your subscription plans. For this, PCI-DSS compliance is highly recommended.

  Or tokenization / "one click" payment

To avoid having to comply with PCI-DSS, the first transaction is carried out on our secure servers. Payment and refund requests for following transactions will then be carried out using the server/server tool, by using the token generated during the first transaction.
Mobile application (IOS and Android)

You can benefit from all the options available on the platform on your IOS and Android apps.

  With API Klik & Pay

Our responsive payment pages are integrated into your application. The entire payment process is carried out on your application, using our secure servers. Sensitive information is never transiting on your servers, keeping you legally protected.

  Server/Server mode

To avoid using our API, we can activate the server/server mode. In this case, it highly recommended that your servers are PCI-DSS certified.

Marketplace

The collaborative economy of today offers new opportunities for e-commerce.
However, this business model is now governed by numerous regulations, and payments must be processed by a controlled institution.

An easy-to-implement operating system

1 – Automatic creation of merchant accounts on the Klik & Pay platform
Thanks to our automatized registration interface, Klik & Pay identify the European vendor with his name and address, and contact details - e-mail and telephone  - and activate a Klik & Pay account. This allows vendors to start working immediately. For European platforms, we only need vendor identity documentation for amounts of over €2,500.
2 – Collection of funds via Klik & Pay
The vendor and the marketplace each have an interface where they can visualise all payment placed account per account.
3 – Direct payment of amounts collected by Klik & Pay to vendors
The amounts collected are paid directly into the vendor bank accounts.
4 – Marketplace commission payment
Before payment is made to the beneficiary, withheld commission is paid into a separate Klik & Pay account, in the marketplace’s name.

Klik & Pay manages all regulatory aspects.

Agents

Why become a payment agent?
  • Third party processor is regulated by the European Directive on payment services and any institution acting as payment services provider must obtain an accreditation from its country of incorporation
  • By becoming a payment institution agent, you maintain your business model and act in complete compliance with the regulations.
  • By becoming a payment institution agent in Luxembourg, you will receive “the passport” that will allow you to maintain your business model and process payments from your country of origin.
Who can become a payment agent?
  • Marketplaces Rather than becoming a "marketplace”, you can choose to become a payment agent.
  • Web Agencies
  • E-commerce solution companies
How can you become an agent?
  • The potential agent must provide Klik & Pay with all relevant information on their business model, their company, and its procedures, et. so that Klik & Play can put together an agent file.
  • Klik & Pay carries out an audit on the officer’s key domains: computing, accounting and finance, activity monitoring, etc.
  • Klik & Pay writes up and presents the officer file to the relevant authority in Luxembourg or Switzerland.
  • Once the file has been accepted, the officer can start working.
What are our commitments?
  • Klik & Pay is the intermediary for monitoring authorities
  • Klik & Pay monitors the officer’s activity and whether they are respecting the validated procedures
  • Klik & Pay guarantees a regulatory observation and informs the officer of any relevant modifications.