About Payment Methods

Comgate payment gateway has the widest range of payment methods on the Czech market, so customers can easily pay in any situation, they can always choose their preferred method of payment – whether they prefer to pay by card, bank transfer, uploading a QR code to mobile banking, or want to use a deferred payment or one of the installment options. By offering a wide range of payment methods, Comgate payment gateway helps the e-shop to achieve a higher payment completion rate. It also offers high benefits to online shops when they expand abroad, especially to Slovakia or Poland. Even there, it offers the most popular payment methods.

Card payments – the most common payment method, used by approximately 80% of customers. We accept Visa, Visa Electron, Mastercard, Maestro.

Apple Pay – payment using a card virtualized into the Apple Wallet. The service is displayed to users of Apple devices with Safari browser.

Google Pay – payment with a card stored in Google Wallet. It is displayed on compatible devices.

Bank transfers – transfers between bank accounts without the need for a credit card. payment gateway allows PSD2 payments, online bank transfers, QR payments and bank transfers without instant confirmation. 

Deferred payments – the e-shop customer has the option to buy immediately, pay later. Deferred payment for up to 30 days is interest free. The e-shop will receive the funds immediately after the purchase.

Payments in three instalments without any increase – the customer can spread the payment for the purchase into three monthly instalments without any fee. The e-shop will receive the full amount immediately.

Instalment sales – the customer can choose the number and amount of each installment according to the provider's terms. The e-shop receives the full amount immediately.

Card payments – the most common payment method, used by approximately 80% of customers. We accept Visa, Visa Electron, Mastercard, Maestro.

Apple Pay – payment using a card virtualized into the Apple Wallet. The service is displayed to users of Apple devices with Safari browser.

Google Pay – payment with a card stored in Google Wallet. It is displayed on compatible devices.

Bank transfers – transfers between bank accounts without the need for a credit card. payment gateway allows PSD2 payments, online bank transfers and bank transfers without instant confirmation. 

Card payments – the most common payment method, used by approximately 80% of customers. We accept Visa, Visa Electron, Mastercard, Maestro.

Apple Pay – payment using a card virtualized into the Apple Wallet. The service is displayed to users of Apple devices with Safari browser.

Google Pay – payment with a card stored in Google Wallet. It is displayed on compatible devices.

Bank transfers – transfers between bank accounts without the need for a credit card. payment gateway allows PSD2 payments, online bank transfers and bank transfers without instant confirmation. 

Blik – payment between bank accounts without the need to use a credit card, in the payment gateway's menu it is listed among bank transfers. Blik is a service that was created in 2015 on the basis of cooperation of large Polish banks. It has become very popular among payers due to its simplicity, speed and security, with direct transfer payments accounting for 67% of all transactions in Polish e-commerce in 2022. According to data from the National Bank of Poland, transactions using Blik were 218% more than card payments in March 2022. From this data, it is clear that those who want to sell in Poland cannot do without Blik.

Comgate payment gateway communicates in 14 languages and supports 9 currencies

For payment methods available in other countries, please contact customer support.

Frequently Asked Questions

When will I find out that the payment has been completed?
We will provide this information based on the received notification from the bank. If the payment was made online by card, you will be informed within 30 minutes, with online banking transfer within 2 hours, and in the case of offline banking transfer within 2 days. As soon as we receive notification from the bank, payment status will automatically change to “paid”, so you can react immediately and dispatch the products to the customers.

Payment notification will be sent to you by email. At the same time, you can check the payment status in the Client Portal under Payments > Customer Payments.

When will I receive money to my bank account?
We send payments every weekday. The exact date on which the payment is credited to your account depends on the bank holding your bank account. The usual period is 2 working days.

Where can I check individual transactions?

You can find all information in the Client Portal (Payments > Customer Payments). If you use accounting system connected to the gateway, you can authomatize the process and check transactions there directly. 

What is the minimal amount to make a payment?
The minimal amount is 1 CZK; 0.1 EUR; 1 PLN; 100 HUF; 1 USD; 1 GBP, 5 RON.

What happens if the customer is not able to complete the payment?
With every started payment, a notification is sent to the customer. With the included link they can return to the payment before the payment expires, change the payment method and complete the payment.

How long is the payment link active?
The payment link stays active until the payment expires. Before it expires, the customer can complete the payment at any time. After the time runs out, the payment status changes to “unpaid”. The expiry period can be chosen in the Client Portal under Integration > Store settings > Payment methods.
The default expiry period for every transaction is set at 7 days and can be changed as you please.

What happens if the customer pays with a currency that is not permitted on the payment gateway?
Even in this case, the customer can shop in your store. If the customer pays with a supported card, they pay in the currency of the card account. In such cases, the transfer is performed by the customer's bank according to its exchange rate.

Can I set multiple accounts for individual e-shops?
By standard, there is only one account pre-set for CZK and EUR payments in the Comgate Payments system. If you want the bank details for your transactions to be different, i.e. for payments to be sent to different CZK or EUR accounts, first a change of this at the implementation level is needed. The identifier is transferred through the “account” parameter. Choose a different identifier for each account and then send it with the respective account number to podpora@comgate.cz.

What is a recurring payment and what is it for?

It allows you to set up a recurring payment for services with the customer – in the same amount on a regular basis each month or at any other selected period. The service is primarily used, for example, for regular subscription payments or club memberships.

The first payment is made as usual, and if the customer confirms consent to recurring payments, subsequent payments are already made by the e-shop in the background without the need to fill in credit card details. More information on setting up recurring payments can be found here. Recurring payments are activated using the API protocol.

How do you handle credit card data?

Comgate has a payment institution license from the Czech National Bank. Under the supervision of the Czech National Bank, we meet strict rules for handling personal information. We only mediate the payment, while the payer enters their credit card number in a secure third-party (bank) interface. We do not have the actual data.

Which web browsers are compatible with the payment gateway?

The Comgate payment gateway works on all common web browsers.

TIP: If a payer is using one of the supported browsers and still cannot complete the payment, it is possible that cookies or addons are preventing the payment gateway from working properly. In this case, we advise you to try either anonymous mode or another browser.