E-commerce: account-to-account payments cheaper than cards
Card fees and chargebacks eat into your margin, and every refund means extra cost and manual work.
What you do with Fizen
- Accept account-to-account payments at checkout, with no interchange or chargebacks
- Send refunds and payouts in batches with a single approval
- Verify the customer on high-value orders
Example
PLN 1,500
saved per month on 1,000 transactions of PLN 150 with a 1.5% card fee
Run your own numbers in the savings calculator.
Open the calculatorFrequently asked questions
Do customers know how to pay from their account?
Yes. It works like a familiar online bank transfer: the customer logs in to their bank and approves a ready transfer, with nothing to retype.
How do I handle a complaint without chargebacks?
You refund with a return transfer, also in batches. You handle complaints under your terms and consumer law, just as today.
Can I keep cards?
Yes. In the Fizen gateway, account-to-account payment can be the default method, with cards and wallets alongside.
Try Fizen on your own data
We set up business accounts and API keys after a short conversation: tell us what you do and we reply within one business day. For yourself, you can start right away.