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Lead Story

Turbulence expected for 1099-K reporting, be prepared


Industry Update

Washington takes a second look at Durbin

Big card brands, big banks hit with more antitrust suits

CEOs advise wait and see at ETA forum

Update feeds need for more PTS guidance


Legislative update, November 2011

Five key lessons e-commerce merchants can learn from the 2010 holiday season

Michael Duffy
Chase Paymentech Solutions LLC

Research Rundown

Give, inspire and flourish

Selling Prepaid

Prepaid in brief

Union Privilege makes savings a plus

Holiday gift cards get personal


ISOs and the new frontier of payments

Brandes Elitch
CrossCheck Inc.


Street SmartsSM:
Agent training - more than taking a test

Bill Pirtle
C3ET Credit Card Consortia for Education & Training Inc.

When big money meets small ISOs

Adam Atlas
Attorney at Law

Country-specific alternative payments

Caroline Hometh
RocketPay LLC

Visa to eliminate PCI DSS requirements with EMV - not

Linda Grimm
Linda Grimm Consulting

How does a credit card salesperson learn to sell POS?

Jerry Cibley
United Bank Card Inc.

PR and press release basics

Peggy Bekavac Olson
Strategic Marketing

Managing infrastructure in a virtual world

Tim Cranny
Panoptic Security Inc.

Caution: Assumptions ahead

Jeff Fortney
Clearent LLC

Company Profile

POS Portal Inc.

New Products

TIN matching simplified

TIN Matching Service
SecurityMetrics Inc.

Authenticate and process with one touch

OneTouch Mobile Payment
Admeris Payment Systems Inc.


Choose to be grateful



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

November 14, 2011  •  Issue 11:11:01

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Country-specific alternative payments

By Caroline Hometh

Just as customers prefer to make purchases in the currency of their own countries, they also favor specific payment types. Online retailers have found that working effectively with international customers means they must offer locally preferred payment types.

How do Germans like to pay?

While traditional credit and debit cards are utilized heavily in the United States and the United Kingdom, that is not the case throughout the world. The best example of this is in Germany where 70 percent of all online transactions are conducted using nontraditional payments. Research has shown that 24 percent of customers, globally, will abandon sales if their preferred payment options are not available.

Common types of payments used internationally

What are the types of local payments used online internationally? They fall into four categories:

Let's take a moment to define these categories.

How to help merchants reach an international clientele

Let's say you are working with an e-commerce merchant who wants to expand his or her payment capabilities to be more appealing to German consumers. The real-time bank transfer widely preferred in that country is the In fact, 31.1 percent of merchants in Germany are already offering this payment type. Offering this option is particularly important if your merchant wants to target young German shoppers because 66.7 percent of that demographic select when checking out.

Online merchants in the United States understand they need to offer automated clearing house as a payment type for their customers because it is a popular form of alternative payment in this country. Similarly, merchants selling in other countries must make informed decisions about the consumer payment preferences in those markets and then align with the appropriate partners to offer country-specific alternative payments. Sales increases and revenue will follow.

Caroline (Carrie) Hometh is the Executive Vice President, Sales for RocketPay LLC. She can be reached via email at; via office phone at 978-255-3109, wireless at 978-807-5047 and direct at 978-462-3459; via the web at; via Facebook at; and via LinkedIn at She regularly tweets at:

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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Spotlight Innovators:

North American Bancard | USAePay | Board Studios