Consider a Kranj coffee roaster offering beans plus a monthly subscription box. Individuals like cards, Apple Pay or Flik. Offices would rather settle a pro forma by bank transfer. A loyal older clientele still wants to pay the courier. Showing those options at checkout is trivial; the edge cases are not. Someone confirms 3-D Secure inside their banking app, shuts the tab, and the order hangs as unpaid. A firm transfers money quoting “coffee” rather than the reference. A split bag means refunding part of an order. A subscription lapses because the stored card expired. And every Monday one combined payout lands with no clue which sales and fees make it up. This service makes each method behave correctly from checkout to bookkeeping, failures included. Configuration, support with provider onboarding and testing all happen remotely.
Fee tables are only part of it. Customer expectations, days to settlement, refund mechanics and reports your bookkeeper can actually use matter as much.
Stripe and PayPal go live fast and cope with multiple currencies and recurring billing. Bankart and Monri work closely with banks across the region and may quote better rates as volume grows. Many shops mix them: one processor for cards, PayPal on top for foreign buyers.
Card numbers never touch your hosting; the provider hosts the payment fields. PCI burden and storage risk therefore sit with them, and you keep only the result. Apple Pay and Google Pay come through that same provider.
Slovenian shoppers know Flik as a way to pay from their mobile bank. We wire it up so an order confirms as soon as the provider signals success, with no wait for statements.
Pro forma invoices include a UPN QR code and an SI00 reference built from the order number. Statements or the bank's transaction feed are read on a schedule and transfers matched by reference. Short or excess payments raise an alert.
COD is set up alongside the courier's collection service. Remittances are allocated to orders, and parcels refused or not collected are listed apart.
The processor notifies your server directly, so orders update even when buyers never come back to the site. Hanging payments are polled periodically, and staff are told about partial refunds and chargebacks.
Each settlement is itemised into sales, refunds and commission and passed to Minimax, Pantheon or Metakocka, removing the need to tick off statements manually.
Processors vet a shop before approval and that is rarely instant, so onboarding starts in week one with development in parallel.
From last year's figures we project usage per method, transaction costs and settlement timing.
We assist with the application and confirm the site displays terms of sale, withdrawal information, a GDPR privacy notice and contact details. Wording of those legal texts belongs with your lawyer.
Methods, webhook handling, polling of hanging payments, refunds from the order screen and export to accounts.
Per method: one live purchase, one partial refund, one full refund. Launch waits until shop and ledger both show all three correctly.
Plan for expiring cards on subscriptions. A card valid at sign-up may be dead twelve months on. Silent renewal failures mean either shipping for free or cutting customers off without notice. Set the number of retries, the point at which a card-update email goes out, and when deliveries pause. Stripe and similar providers can do all of this, but only once you define the rules.
Stripe is quick to launch and adaptable, notably for recurring billing and overseas customers. A local processor can undercut it on large domestic volumes and integrates more tightly with your bank. We run the comparison on your actual sales history rather than headline rates.
Usually. A segment of shoppers, first-timers especially, simply will not buy without it. It does, however, raise the rate of refused parcels and returns. After checking your figures we may cap COD by basket value or offer it only to repeat customers.
Funds are pulled back by the bank, which then wants evidence. Our set-up alerts staff immediately and gathers the order, tracking ID and delivery confirmation together, so the deadline is met.
Certainly. Bank transfer might be reserved for verified trade accounts, COD capped at a set value, PayPal shown only for shipments abroad. Rules live in the shop configuration; the effort is estimated beforehand at €50 per hour plus VAT.
Tell us your products, shop platform and customer type. We will recommend methods and processors and connect everything through to accounting.
Enquiry received
An engineer will write back no later than the following working day. Faults that leave your staff unable to work are always looked at first.
No town by that name here. Check the letters, or settle for the nearest larger place. Our engineers work only over the internet, so Kočevje and Koper get precisely the same treatment.
