It’s all up your customers!  Let them pay in 30 days or in monthly instalment. Always interest-free. This is our philosophy. 
Openbank Pay is the new ‘buy now, pay later’ brand of Santander’s Digital Consumer Bank, created by the combination of two successful businesses: Santander Consumer Finance (SCF) and Openbank. We make payments simple so customers can split them into instalments or settle them at a later date. An easy, fast and clear way to shop and help businesses boost sales and customer engagement. All products are available both for in-store and online purchases at participating businesses with offline functionality.
Since our launch, more than 2 million customers have used our Buy Now Pay Later solution. Currently Openbank Pay is available to merchants based in Germany and Spain.

Since our launch, more than 2 million customers have used our BNPL solution. We've partnered with over 63 thousand merchants across the world and our international expansion is afoot, aiming to service the 16 countries where we operate.

Highlights
• Buy Now Pay Later: Grow your business by offering your customers the freedom to pay in 14 or 30 days and in monthly instalments, interest-free.
• Commitment: Our solution adapts to your business needs and leverages the Santander Group’s 20-plus years of experience in partnerships with merchants.
• Customer relationship: Taking care of your customers is our top priority. Leave it up to us to make paying a smooth experience and keep them coming back to your shop.
• Ethical: Our products and services are bolstered by our ethical commitment to offer our partners a trustworthy and reliable solution for their business.
• Safe and secure: Your brand's reputation is in safe hands. We make sure your customer data are secure, minimising risks using Artificial Intelligence (AI).
• No fixed cost: There are no fixed costs. Simply pay Openbank Pay for each transaction, and not a cent more!
• Support: We're on hand for you and your customers whenever you need us.

Other Features:
• Point of Sale: All payment methods can also be used completely digital in-store - as a self-checkout via QR codes or SMS/e-mail and as a merchant version or through an integration into your existing PoS system.
• Pay by Link: The payment link (or the QR code) can be send via e-mail or sms to your customers and works with all payment methods. Therefore, pay by link is the ideal solution for merchants, who want to make special offers for customers or who want to process call center orders. Alternatively, pay by link can also integrated by API into existing processes and systems.

• Order Management: The easy management allows you to control all transactions in your shop-backend as well as in your Openbank Pay account.
• Specific Settings: Activate or deactivate payment methods with just one click. Select different payment options depending on shopping cart size or on customer address. You can even offer the same payment method in different variations (e.g. different terms and conditions for instalments).
• Widgets & Rate Calculator: To draw attention to payment methods such as instalments and financing, specific widgets can be implemented to provide more information or calculate the monthly rate directly.
• Product Synchronization: With this plugin you can easily synchronize your products to other sales channels such as marketplaces (e.g. Amazon, ebay), product comparison (e.g. Google shopping) and social media (e.g. Facebook shops/marketplace, Instagram).
• Cyber Security: We guarantee the highest security standards by using the latest technology and periodic PCI scans as well as annual external audits due to the highly regulated banking sector.
• GDPR: To meet the highest compliance and security standards, all data is stored on ISO/IEC 27001 & PCI DSS certified server located in the European Union.
• Customer Support: Our customer support is german and english speaking and helps you with the integration or with any technical issues. On weekdays between 9 a.m. and 6 p.m., you will receive immediate response to any question.

How to get in touch with us:
To receive further information or an offer for a corresponding payment method, please contact us any time by mail at support@payever.de. We are looking forward to hear from you!