# Omno

> Omno is a payment orchestration platform that connects 60+ PSPs and 200+ local payment methods through one API for e-commerce merchants.

Omno is a payment orchestration platform headquartered in Tbilisi, Georgia. It unifies 60+ payment service providers, 200+ local payment methods and 45 currencies behind one API, with Pay-In and Pay-Out, a hosted checkout for cards, local payment methods and crypto, routing and cascading rules, webhooks and tokenization. Omno serves e-commerce merchants in every country except markets under OFAC sanctions or on the FATF call-for-action list. Docs: https://docs.omno.com. Developer guides: https://omno.com/developers/. Facts in machine-readable form: https://omno.com/facts.json.

## Product
- [Payment orchestration](https://omno.com/solutions/payment-orchestration/): Integrate once, then your payments team adds providers, changes routing and runs every brand from the Omno dashboard, while developers stay on product.
- [Smart routing](https://omno.com/solutions/smart-routing-and-cascading/): Route payments by card BIN, country, currency, amount, browser or segment, split traffic, cap providers, keep customers sticky and cascade on declines.
- [Hosted checkout](https://omno.com/solutions/hosted-checkout/): A hosted checkout your team builds without code: cards, Apple Pay, Google Pay, local methods and crypto, personalised per customer, with Omno forms.
- [Card Fields](https://omno.com/solutions/card-fields/): Build your own branded checkout with three secure Omno card fields. Card data never touches your servers, and every payment runs through Omno routing.
- [Direct Links](https://omno.com/solutions/direct-links/): Show your own buttons for wallets and local payment methods. Omno routes each payment across several providers by share or priority, set in the dashboard.
- [Payment and customer insights](https://omno.com/solutions/reporting-and-analytics/): Every transaction and customer in one place: a full transaction trail, faster investigations, customer profiles, reports and widget analytics.
- [Risk and control](https://omno.com/solutions/risk-controls/): Fraud scoring on every transaction, customer rules and blocking, limits per provider and method, field validation, clear decline messages and shared blocklists.
- [Saved cards](https://omno.com/solutions/tokenization-and-save-card/): Omno Save Card stores card details as tokens in a PCI DSS compliant vault, so returning customers pay faster and raw card data stays out of your systems.
- [Payouts](https://omno.com/solutions/payouts/): Omno Pay-Out sends customer payouts, seller payouts and cashback to cards, local methods and crypto through the same API and routing rules as payments.

## Industries
- [E-commerce](https://omno.com/industries/ecommerce/): Omno helps e-commerce merchants sell in every market with local payment methods, routing rules you control and one API for payments and payouts.
- [Regulated sectors](https://omno.com/industries/regulated-sectors/): How Omno works with licensed merchants in regulated and high-risk sectors: verification-aware routing, card blocking, payouts and one API for every provider.

## Comparisons
- [Best payment orchestration platforms for cross-border e-commerce (2026): 7 compared](https://omno.com/compare/best-payment-orchestration-for-cross-border-ecommerce/): Pick by your biggest gap. For no-code workflows and checkout localisation, Primer. For a dedicated instance and documented routing, Gr4vy. For owning card tokens, Spreedly. For enterprise tokenization and many acquirers, IXOPAY. For decline recovery and reconciliation, BridgerPay. For connectors and published plans, Corefy. For payouts, crypto and verification-aware routing in one hosted checkout, Omno.
- [Hosted checkout vs direct API integration (2026): which should you build?](https://omno.com/compare/hosted-checkout-vs-direct-api-integration/): Use a hosted checkout when speed, PCI scope and many local methods matter more than pixel-level control: the provider builds and maintains the payment UI. Use a direct API integration when the checkout is part of your product, your team can own the build and its upkeep, and you can meet the PCI requirements that come with handling payment data. Many merchants use both, for different methods or flows.
- [Omno vs BridgerPay (2026): retries, routing, checkout and payouts](https://omno.com/compare/omno-vs-bridgerpay/): BridgerPay focuses on recovering declines and simplifying multi-PSP operations: 1,000+ providers, AI-driven retries, a no-code router, settlement reconciliation and omnichannel checkout. Omno is narrower and built around a hosted checkout with crypto on the same page, payouts alongside and verification-aware routing. BridgerPay wins on retry and reconciliation tooling; Omno on checkout scope and payouts.
- [Omno vs Corefy (2026): connectors, checkout, routing, pricing](https://omno.com/compare/omno-vs-corefy/): Corefy is a broad, horizontal orchestration platform with hundreds of connectors, public pricing and white-label tooling. Omno is narrower and built around the hosted checkout: cards, wallets, local methods and crypto on one page, routing by customer group and verification level. Corefy wins on breadth and price transparency; Omno on checkout depth and routing built around the customer.
- [Omno vs Gr4vy (2026): instances, Flow rules, payouts and checkout](https://omno.com/compare/omno-vs-gr4vy/): Gr4vy is a cloud-native orchestration platform with a single-tenant instance per merchant, a drop-in checkout, web and mobile SDKs and Flow rules on many conditions. Omno is built around a hosted checkout that also handles payouts and crypto, with verification-aware routing. Gr4vy wins on infrastructure model and documentation depth; Omno on checkout scope and payouts.
- [Omno vs IXOPAY (2026): tokenization, adapters, routing and payouts](https://omno.com/compare/omno-vs-ixopay/): IXOPAY is an enterprise orchestration platform with tokenization at its centre: 500+ adapters, universal and network tokens, routing with fallback, reconciliation and a white-label option. Omno is narrower and built around a hosted checkout with crypto on the same page, payouts alongside and verification-aware routing. IXOPAY wins on enterprise breadth and tokenization; Omno on checkout scope and payouts.
- [Omno vs Praxis Cashier (2026): cashier, routing, payouts and pricing](https://omno.com/compare/omno-vs-praxis/): Both put one hosted checkout in front of many payment providers, and both cover payments, payouts, routing, cascading and saved cards. Praxis leads on brand, references and published certifications. Omno leads on routing rules the merchant sets, including by customer verification level, and on crypto in the same checkout session. Neither publishes pricing.
- [Omno vs Primer (2026): checkout, workflows, payouts and routing](https://omno.com/compare/omno-vs-primer/): Primer is a broad orchestration platform: a component-based checkout, drag-and-drop workflows, fallbacks to a backup processor, a PSP-independent vault, reconciliation and monitoring. Omno is narrower and built around the hosted checkout, with crypto on the same page, payouts alongside and verification-aware routing. Primer wins on tooling breadth; Omno on checkout scope and payouts.
- [Omno vs Spreedly (2026): vault, gateways, checkout and payouts](https://omno.com/compare/omno-vs-spreedly/): Spreedly is an open payments platform centred on an independent vault: cards stored once, kept current with network tokens and card updater, and sent to 150+ gateways, with routing on top. Omno is built around a hosted checkout for cards, local methods and crypto, with payouts in the same session and verification-aware routing. Spreedly wins on token ownership and gateway breadth; Omno on checkout scope.
- [Payment orchestration vs payment gateway (2026): what is the difference?](https://omno.com/compare/payment-orchestration-vs-payment-gateway/): Use a single gateway when one provider covers your markets well and your approval rates are healthy: it is simpler, gives that provider all your data, and costs less to run. Add orchestration when you depend on several PSPs, sell in high-risk or fragmented markets, or need to recover soft declines by routing to a second provider.
- [PaymentIQ alternatives (2026): 6 payment orchestration platforms compared](https://omno.com/compare/paymentiq-alternatives/): PaymentIQ remains a credible, long-established orchestrator with a large PSP network, now independent after Worldline sold it to Incore Invest in March 2026. Teams look elsewhere mainly for public documentation, published pricing, regional route depth or a different cashier model. Which alternative fits depends on which of those gaps matters most to you.
- [Primer alternatives (2026): 6 payment orchestration platforms compared](https://omno.com/compare/primer-alternatives/): Primer is a strong orchestration platform with a no-code workflow builder, a localised checkout, fallbacks, a vault and monitoring. Teams look elsewhere mainly for customer payouts, published pricing, single-tenant infrastructure, deeper token ownership or routes in specific regions. Which alternative fits depends on which of those gaps matters most to you.

## Coverage
- [CIS and Caucasus](https://omno.com/coverage/cis/): Payments across the CIS and the South Caucasus run on domestic rails and local bank cards: Kaspi.kz in Kazakhstan, Humo and Uzcard wallets such as Payme and Click in Uzbekistan, and cards with fast-growing wallets and QR payments in Georgia, Azerbaijan and Armenia. Every country taxes foreign online sellers. Omno routes payments and payouts in each local currency through one API.
- [LATAM](https://omno.com/coverage/latam/): Latin America is moving from cards and cash to instant bank payments and wallets. PIX carries about 42% of Brazilian e-commerce value, SPEI processed some 7.3 billion transfers in Mexico in 2025, and Yape leads in Peru, while Chile stays card-first. All five markets tax foreign digital sellers and give online shoppers a right to cancel. Omno routes BRL, MXN, COP, PEN and CLP payments through one API.
- [MENA](https://omno.com/coverage/mena/): MENA payments split into two patterns. The Gulf runs on cards and wallets, with mada in Saudi Arabia, Apple Pay and Tabby instalments across the UAE and Saudi Arabia, while Egypt still bridges cash to digital through Fawry and mobile wallets such as Vodafone Cash. Omno serves online retail and digital goods merchants in MENA, as in every other market it serves, through one API, with routing rules per method and currency.
- [Afghanistan](https://omno.com/coverage/afghanistan/): Afghanistan still pays mostly in cash. The World Bank found that only 10% of adults had an account in 2021, and that international payments through banks have become rare. Da Afghanistan Bank runs a national e-payment switch with a domestic card scheme, AfPay, and is pushing electronic payments. With Omno, a merchant would reach cards and Google Pay where a provider can serve the market, with routing rules per method and customer group.
- [Albania](https://omno.com/coverage/albania/): Albania is moving from cash to cards. Cash on delivery still leads for online orders, but cards made nearly 67% of payments through banks in 2025 and 45.4% of people aged 16 to 74 bought online in the previous year. Apple Pay and Google Pay are available. VAT is 20%, and Albanian banks began SEPA transfers in October 2025. With Omno, a merchant would reach cards, Apple Pay and Google Pay in ALL through one API, with routing rules per method and customer group.
- [Algeria](https://omno.com/coverage/algeria/): Algeria pays online with domestic cards or cash on delivery. The Bank of Algeria counted 19.6 million internet payments worth DZD 52 billion on CIB and Edahabia cards in 2024, and 19.8 million cards in circulation. The cards run on a domestic system, and foreign exchange control is strict. With Omno, a merchant would reach Edahabia, CIB and international cards through one API, with routing rules per method and customer group.
- [Andorra](https://omno.com/coverage/andorra/): Andorra is a small euro market where most people shop online: 60.4% of residents aged 16 to 74 bought online in the previous three months of 2024. Shoppers pay by card, and Apple Pay and Google Pay are offered by Andbank, Creand and MoraBanc. Sales are taxed under the general indirect tax (IGI) at a general rate of 4.5%, which also reaches e-services sold from abroad. With Omno, a merchant would reach cards, Apple Pay and Google Pay in EUR through one API, with routing rules per method and customer group.
- [Angola](https://omno.com/coverage/angola/): Angola pays online through its banks' Multicaixa network. EMIS counted 3.4 billion operations on the network in 2025, and about 62% went through the Multicaixa Express app, where the shopper approves a payment on the phone. Payment references and cards follow. VAT is 14%. With Omno, a merchant would reach Multicaixa Express, payment references and cards in AOA through one API, with routing rules per method and customer group.
- [Antigua and Barbuda](https://omno.com/coverage/antigua-and-barbuda/): Antigua and Barbuda pays online by card. Visa and Mastercard cards are the most used non-cash payment in the Eastern Caribbean Currency Union, and bank transfers clear in real time through the regional clearing house. The Eastern Caribbean dollar is pegged at 2.70 to the US dollar, and Sales tax (ABST) is 17%. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Argentina](https://omno.com/coverage/argentina/): Argentina pays online mostly by card, often in instalments, while wallets such as Mercado Pago and instant transfers grow fast. Cards took 67% of online payments in 2025 and wallets 20%, according to the e-commerce chamber CACE. Online shoppers can cancel a purchase within 10 days through a mandatory cancellation button. With Omno, a merchant would reach cards, wallets, transfers and cash vouchers through one API, with routing rules per method and currency.
- [Armenia](https://omno.com/coverage/armenia/): Armenia is a card and wallet market for e-commerce. Online payments run on ArCa, Visa and Mastercard cards and on the Idram wallet, which is accepted by QR at more than 22,000 points of sale. Since 1 July 2026 shoppers can cancel distance purchases within 14 days, and foreign digital sellers charge 20% VAT. Omno routes AMD pay-ins and pay-outs for online merchants through one API.
- [Australia](https://omno.com/coverage/australia/): Australia pays online mostly by debit card. Online payments were 20% of consumer payments in 2025, led by debit cards, then BPAY and internet banking, then credit cards, and about half of Australians used PayID. Under RBA rules, eftpos, Mastercard and Visa card payments may not be surcharged from 1 October 2026. With Omno, a merchant would reach cards, PayTo and PayID payments through one API, with routing rules per method and customer group.
- [Austria](https://omno.com/coverage/austria/): Austrians make a large share of their payments online: 28% of day-to-day payments in 2024, one of the highest shares in the euro area. Cards lead online at 38% of payments, followed by e-payment solutions such as PayPal at 29% and bank transfers through eps. Shoppers can withdraw within 14 days. With Omno, a merchant would reach cards, PayPal, eps and Klarna through one API, with routing rules per method and customer group.
- [Azerbaijan](https://omno.com/coverage/azerbaijan/): Azerbaijan is a card market that is moving fast to digital payments. Visa and Mastercard cards from local banks carry most online spending, Apple Pay and Google Pay are growing quickly, and the m10 wallet and MilliÖN terminals serve millions of users. Since August 2026 foreign online sellers above USD 10,000 a year must register for 18% VAT. Omno routes AZN pay-ins and pay-outs for e-commerce through one API.
- [Bahamas](https://omno.com/coverage/bahamas/): The Bahamas pays online by card. Debit and credit cards are the main way adults pay electronically, Apple Pay and Google Pay both work, and the central bank issues the Sand Dollar, a digital Bahamian dollar held in mobile wallets. VAT is 10%, and foreign e-commerce suppliers must register whatever their turnover. With Omno, a merchant would reach cards, Apple Pay, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Bahrain](https://omno.com/coverage/bahrain/): Bahrain is a small, debit-first market. Most cards issued in the country are BENEFIT-branded debit cards, and the national wallet BenefitPay handled 246 million transactions in the first half of 2026. VAT is 10% and foreign sellers register from their first sale to consumers. With Omno, a merchant would reach BENEFIT, BenefitPay and international cards through one API, with routing rules per method and currency.
- [Bangladesh](https://omno.com/coverage/bangladesh/): Bangladesh still pays for most online orders in cash on delivery, and mobile financial services such as bKash and Nagad are the main way to pay in advance. Bangladesh Bank counted 239 million registered mobile wallet accounts in early 2025, and card e-commerce reached Tk 23.60 billion in June 2026. With Omno, a merchant would reach bKash, Nagad, Rocket and cards through one API, with routing rules per method and customer group.
- [Barbados](https://omno.com/coverage/barbados/): Barbados is moving from cash and cheques to cards and transfers. Debit and credit cards on Visa and Mastercard carry everyday purchases, and BiMPay, the central bank's instant payment system, went live in June 2026. Foreign online sellers must register for VAT at 17.5% from the first sale, and a 2% fee applies to payments settled in foreign currency. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Belgium](https://omno.com/coverage/belgium/): Belgium pays with Bancontact. Bancontact Company recorded 2.5 billion payments in 2025, including 393 million online payments through its mobile solutions, and 90% of online Bancontact payments in 2024 were made with a smartphone. Shoppers have 14 days to withdraw and card surcharges are banned. With Omno, a merchant would reach Bancontact, Visa and Mastercard through one API, with routing rules per method and customer group.
- [Belize](https://omno.com/coverage/belize/): Belize pays online mostly by card and transfer. In 2024, 18.4% of adults bought something online and about three in four of them paid the merchant digitally, while instant bank transfers rose 80.8% in the year. Wallets such as E-Kyash are growing. GST is 12.5%, and payments abroad sit under exchange control. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Benin](https://omno.com/coverage/benin/): Benin pays from mobile wallets. The BCEAO counted 37.5 million electronic money accounts in Benin at the end of 2024, 11.3 million of them active, and 2.55 billion transactions that year, as many as in Côte d'Ivoire. MTN MoMo, Moov Money and Celtiis Cash are the mobile operators' wallets. E-commerce platforms collect VAT on their sales. With Omno, a merchant would reach these wallets and cards through one API, with routing rules per method and customer group.
- [Bhutan](https://omno.com/coverage/bhutan/): Bhutan pays from banking apps. The Royal Monetary Authority recorded nearly 33 million QR payments and about 38 million mobile banking transactions in the first quarter of 2025. Cards and bank account gateways serve online stores. A 5% GST replaced sales tax on 1 January 2026, and foreign sellers of services to consumers must account for it. With Omno, a merchant would reach cards, Google Pay and local bank payments through one API, with routing rules per method and customer group.
- [Bolivia](https://omno.com/coverage/bolivia/): Bolivia pays by transfer, QR and mobile wallet far more than by card. The central bank counted 1.04 billion electronic transfer orders and 691.3 million mobile wallet payments in 2025, against 76.6 million card payments. Prices must be shown in bolivianos, including taxes and charges. With Omno, a merchant would reach QR payments, mobile wallets and cards through one API, with routing rules per method and customer group.
- [Bosnia and Herzegovina](https://omno.com/coverage/bosnia-and-herzegovina/): Bosnia and Herzegovina is splitting between cash and cards. Cash on delivery was still the most used way to pay online in 2024, at an estimated 46.4%, but cards climbed to 43.1%. There were 2.59 million active cards at the end of 2024, most of them debit cards, and Apple Pay and Google Pay are offered by local banks. Foreign sellers of digital services must register for 17% VAT. With Omno, a merchant would reach cards and phone wallets in BAM through one API, with routing rules per method and customer group.
- [Botswana](https://omno.com/coverage/botswana/): Botswana shops online with bank cards and transfers, with mobile money alongside: Statistics Botswana counted 3.18 million internet subscriptions and 1.19 million mobile money subscriptions in early 2025. Since 1 June 2026 foreign sellers of remote services must register for VAT, and they charge it from 1 October 2026. With Omno, a merchant would reach cards, bank transfers and Orange Money in BWP through one API, with routing rules per method and customer group.
- [Brazil](https://omno.com/coverage/brazil/): Brazil is a Pix-first market. Instant transfers through Pix carry close to half of online payment value, cards stay strong for larger baskets paid in instalments, and Pix Automático now covers subscriptions. Shoppers have a seven-day right to cancel online purchases. Omno routes BRL pay-ins and payouts across Pix and card providers through one API.
- [Brunei](https://omno.com/coverage/brunei/): Brunei is almost fully online, with 99% of people using the internet. Cards are the established way to pay online, and instant payments are new: tarus launched in March 2025 and its national QR code, tarusQR, in February 2026. Brunei has no VAT or sales tax, and a new data protection order applies from 2026. With Omno, a merchant would reach cards, Google Pay and local instant payments in BND through one API, with routing rules per method and customer group.
- [Bulgaria](https://omno.com/coverage/bulgaria/): Bulgaria adopted the euro on 1 January 2026, and the lev stopped being legal tender on 1 February, so online prices and payments are now in EUR. Online shopping is less common than the EU average: 51.20% of people bought online in 2025, against an EU average of 73.56%. VAT is 20%. With Omno, a merchant would reach cards, ePay.bg and cash payment options through one API, with routing rules per method and customer group.
- [Burkina Faso](https://omno.com/coverage/burkina-faso/): Burkina Faso pays from mobile wallets. The BCEAO counted 23.7 million electronic money accounts at the end of 2024, 8.7 million of them active, with XOF 20,139 billion in transactions that year, the third highest value in the UEMOA. Wallets include Orange Money, Moov Money and Wave. Cross-border payments follow BCEAO rules. With Omno, a merchant would reach these wallets and cards through one API, with routing rules per method and customer group.
- [Burundi](https://omno.com/coverage/burundi/): Burundi pays digitally through mobile wallets. The central bank counted 7.87 million wallets at three electronic money issuers at the end of 2025, 2.55 million of them active, while banks and microfinance apps add 3.02 million accounts. Since 2026 a central bank circular sets rules for e-commerce payments, including escrow until delivery. VAT is 18%. With Omno, a merchant would reach approved wallet and bank payment providers and cards through one API, with routing rules per method and customer group.
- [Cambodia](https://omno.com/coverage/cambodia/): Cambodia still pays for most online orders in cash on delivery, but app payments are growing fast. The National Bank of Cambodia's Bakong system processed about 1.3 billion transactions in 2025, up 118.7%, in both riel and US dollars. Foreign sellers of digital services and e-commerce to consumers collect 10% VAT. With Omno, a merchant would reach KHQR bank payments, cards and Google Pay in KHR and USD through one API, with routing rules per method and customer group.
- [Cameroon](https://omno.com/coverage/cameroon/): Cameroon is the largest mobile money market in the CEMAC. The BEAC counted 31.0 million mobile money accounts and 2.73 billion transactions worth XAF 26,773 billion in 2024, against 1.6 million card payments at merchants. VAT is 19.25%, and e-commerce platforms declare it on sales to Cameroonian consumers. With Omno, a merchant would reach MTN MoMo, Orange Money and cards through one API, with routing rules per method and customer group.
- [Canada](https://omno.com/coverage/canada/): Canadians pay online mostly with credit cards and phone wallets. Credit cards made up 33% of all payments by volume in 2024, and e-commerce was 7.6% of retail trade in August 2026. Interac Debit works online through Apple Pay and Google Pay. Foreign sellers of digital products register for GST/HST above CAD 30,000. With Omno, a merchant would reach cards, Apple Pay, Google Pay and Interac Debit through one API, with routing rules per method and customer group.
- [Cape Verde](https://omno.com/coverage/cape-verde/): Cape Verde is a card market. Payments run on vinti4, the national debit network managed by SISP, which handled a record CVE 208 billion in 2024, alongside Visa, Mastercard and American Express cards used by residents and tourists. VAT is 15%, with a special regime for foreign e-commerce sellers. With Omno, a merchant would reach vinti4, Visa, Mastercard and Google Pay in CVE through one API, with routing rules per method and customer group.
- [Central African Republic](https://omno.com/coverage/central-african-republic/): The Central African Republic is the smallest payment market in the CEMAC by value. Its 559,620 mobile money accounts made 27.5 million transactions in 2024, while card payments at merchants numbered 64,952 through 70 terminals. Orange Centrafrique runs Orange Money, and regional CEMAC rules set the payment framework. With Omno, a merchant would reach Orange Money, bank-based payments and cards through one API, with routing rules per method and customer group.
- [Chad](https://omno.com/coverage/chad/): Chad's wallet market is young and growing fast. The BEAC counted 6.25 million mobile money accounts at the end of 2024, and three payment institutions now hold licences: Airtel Money, Moov Money and the local fintech Konoom. Card payments jumped from 3,320 in 2022 to 327,024 in 2024. VAT is 18%, and a 0.2% tax applies to electronic money transfers. With Omno, a merchant would reach Airtel Money, Moov Money and cards through one API, with routing rules per method and customer group.
- [Chile](https://omno.com/coverage/chile/): Chile is a card-first online market. Webpay Plus handles credit, Redcompra debit and prepaid cards with issuer authentication, and BancoEstado's CuentaRUT account, held by 15.5 million people, puts a debit card in most wallets. Foreign sellers charge 19% VAT on digital services and, since October 2025, on low-value goods. Omno routes CLP card and bank payments and payouts through one API.
- [China](https://omno.com/coverage/china/): China pays online through Alipay and WeChat Pay. CNNIC counted 1.017 billion online payment users at the end of 2025, and non-bank payment institutions processed 1.33 trillion online payments that year. UnionPay is the domestic card scheme. Shoppers can return most goods bought online within seven days without a reason. With Omno, a merchant would reach Alipay, WeChat Pay and UnionPay cards through one API, with routing rules per method and customer group.
- [Colombia](https://omno.com/coverage/colombia/): Colombia pays online through PSE bank transfers, cards and wallets such as Nequi, which had more than 20 million monthly active users in 2025. The Bre-B instant payment system passed 34 million registered users within six months of launch, and online sales reached COP 145.4 trillion in 2025. Omno routes COP pay-ins and payouts across PSE, wallet and card providers through one API.
- [Comoros](https://omno.com/coverage/comoros/): The Comoros is a small, mostly cash market where mobile wallets are growing. The central bank counted 223,110 active electronic money accounts at the end of 2025, with MVola holding close to 73% of the market. Consumption tax is 10% and also applies to services used in the Comoros. With Omno, a merchant would reach MVola, Holo and cards in KMF through one API, with routing rules per method and customer group.
- [Costa Rica](https://omno.com/coverage/costa-rica/): Costa Rica pays online by card and by SINPE Móvil, the central bank's phone-number transfer service, which carried 747.51 million transfers worth CRC 12.53 trillion in 2025. In a national survey, 78% of online shoppers had paid by card and 73% by SINPE Móvil. Card issuers collect 13% VAT on listed foreign digital services. With Omno, a merchant would reach cards and SINPE Móvil through one API, with routing rules per method and customer group.
- [Côte d'Ivoire](https://omno.com/coverage/cote-divoire/): Côte d'Ivoire holds more electronic money accounts than any other UEMOA country: the BCEAO counted 99.6 million at the end of 2024, 40% of the union total, with XOF 55,728 billion in transactions that year. Wave, Orange Money and MTN MoMo lead. With Omno, a merchant would reach these wallets and cards through one API, with routing rules per method and customer group.
- [Croatia](https://omno.com/coverage/croatia/): Croatia pays online mostly by card. Cards made 50.8% of online payments in the ECB's 2024 survey and e-payment apps such as PayPal 19.1%, and online payments already carry 47% of day-to-day spending by value. VAT is 25%, and B2C invoices are fiscalised since 2026. With Omno, a merchant would reach cards, Apple Pay, Google Pay, PayPal and bank transfers through one API, with routing rules per method and customer group.
- [Cyprus](https://omno.com/coverage/cyprus/): Cyprus pays online by card more than any other euro area country. Cards made 60.8% of online payments in the ECB's 2024 survey, and online card payments carried 60% of card spending by value in late 2025, averaging about EUR 129 each. VAT is 19%. With Omno, a merchant would reach PayPal, Apple Pay, Google Pay, bank transfers and cards through one API, with routing rules per method and customer group.
- [Czechia](https://omno.com/coverage/czechia/): Czechia is one of the EU's keenest online markets: 83.67% of people bought online in 2025, and APEK put e-shop turnover at CZK 206 billion. Cards lead at checkout, Apple Pay and Google Pay are rising, and 40.8 million instant payments were sent in April 2026. VAT is 21%. With Omno, a merchant would reach cards, phone wallets and bank payments in CZK through one API, with routing rules per method and customer group.
- [Democratic Republic of the Congo](https://omno.com/coverage/dr-congo/): The DRC pays online through three mobile wallets. The central bank counted 52 million mobile money accounts at the end of 2024, 17 million of them active, and the regulator's 2025 data puts M-Pesa and Airtel Money close together at the top, with Orange Money growing fastest. VAT is 16%. With Omno, a merchant would reach M-Pesa, Airtel Money, Orange Money and cards through one API, with routing rules per method and customer group.
- [Denmark](https://omno.com/coverage/denmark/): Denmark pays online by phone. Mobile payments, mostly MobilePay, made up 44% of online payments in 2025 against 40% for payment cards, according to Dansk Erhverv, and online sales were 30% of Danish card turnover. Stores may not surcharge private cards issued in the EU. With Omno, a merchant would reach MobilePay, Dankort and international cards in DKK through one API, with routing rules per method and customer group.
- [Djibouti](https://omno.com/coverage/djibouti/): Djibouti's digital payments run largely through mobile money. Djibouti Telecom's D-Money reports more than 400,000 clients and 5,500 merchants, and Waafi is the second licensed e-money issuer, while bank accounts equalled about a third of the working-age population in 2022. The franc has been fixed at 177.721 per US dollar since 1973. With Omno, a merchant would reach D-Money, Waafi and cards through one API, with routing rules per method and customer group.
- [Dominica](https://omno.com/coverage/dominica/): Dominica pays online by card. Visa and Mastercard cards are the most used non-cash payment in the Eastern Caribbean Currency Union, and bank transfers clear in real time through the regional clearing house. The Eastern Caribbean dollar is pegged at 2.70 to the US dollar, and VAT is 15%. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Dominican Republic](https://omno.com/coverage/dominican-republic/): The Dominican Republic pays electronically more each year. Central bank data show 432.1 million card payments and 43.3 million instant transfers in 2025, and more than 17 million internet purchases in the first five months of 2026. By law, prices are shown in pesos and cannot change with the payment method. With Omno, a merchant would reach cards, Apple Pay, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Ecuador](https://omno.com/coverage/ecuador/): Ecuador uses the US dollar, and its online shoppers pay mostly by card: credit cards carried 74% of e-commerce sales volume in 2025. DeUna QR payments, backed by Banco Pichincha, and PagoEfectivo cash codes serve customers who prefer not to pay by card. Digital services from abroad carry 15% IVA. With Omno, a merchant would reach these methods and cards through one API, with routing rules per method and customer group.
- [Egypt](https://omno.com/coverage/egypt/): Egypt is a cash-to-digital market. Shoppers pay online with Meeza, Visa and Mastercard cards, with Fawry reference codes settled in cash, and with mobile wallets such as Vodafone Cash, which reached 60 million wallets nationally by the end of 2025. Foreign sellers also need to plan for EGP pricing, consumer refund rules and VAT on digital services. Omno routes EGP payments and payouts across these methods through one API.
- [El Salvador](https://omno.com/coverage/el-salvador/): El Salvador pays online in US dollars, mostly by card and by Transfer365, the central bank's free instant transfer service. Only 10.8% of adults hold a credit card, so debit cards matter. Since the 2025 reform, accepting bitcoin is voluntary for private businesses and taxes are paid only in dollars. With Omno, a merchant would reach cards, Apple Pay, Google Pay and Transfer365 through one API, with routing rules per method and customer group.
- [Equatorial Guinea](https://omno.com/coverage/equatorial-guinea/): Equatorial Guinea is a bank and card market inside the CEMAC. It had only 50,224 mobile money accounts at the end of 2024, but 40,613 active bank cards, and card payments at merchants grew from 4,925 in 2022 to 89,103 in 2024. VAT is 15%. With Omno, a merchant would reach cards, Google Pay and bank-based payments through one API, with routing rules per method and customer group.
- [Eritrea](https://omno.com/coverage/eritrea/): Eritrea has almost no public data on online payments. The World Bank noted in 2021 that payment and settlement systems are absent and that banks lack international correspondents, and only 14.3% of people used the internet in 2020. The nakfa is pegged to the US dollar under tight controls. With Omno, a merchant would reach cards issued abroad through one API, with routing rules per method and customer group.
- [Estonia](https://omno.com/coverage/estonia/): Estonia pays online by card and by bank payment. Cards made 41.5% of online payments in the ECB's 2024 survey, and credit transfers and instant payments, which include bank link payments, 29.8%, the highest share in the euro area. VAT has been 24% since 1 July 2025. With Omno, a merchant would reach Estonian bank payments, Apple Pay, Google Pay and cards through one API, with routing rules per method and customer group.
- [Eswatini](https://omno.com/coverage/eswatini/): Eswatini is a small market where mobile money drives inclusion. The IMF counted 1.30 million registered mobile money accounts in 2024, and the central bank puts financial inclusion at 87%, while cash still dominates. VAT is 15%, and the central bank has issued directives for fast payments. With Omno, a merchant would reach MTN MoMo, e-Mali and cards through one API, with routing rules per method and customer group.
- [Ethiopia](https://omno.com/coverage/ethiopia/): Ethiopia pays with mobile money. The National Bank counted more than 128.5 million mobile money accounts at the end of 2024, and Ethio Telecom's telebirr handled ETB 4.19 trillion for 60.6 million registered customers in 2025/26. Foreign suppliers of remote digital services fall under the 15% VAT. With Omno, a merchant would reach telebirr, M-PESA and cards through one API, with routing rules per method and customer group.
- [Fiji](https://omno.com/coverage/fiji/): Fiji pays online with bank cards and a fast-growing mobile wallet market. In the Reserve Bank of Fiji's 2020 survey, 78% of adults were banked and 27% actively used mobile money, and M-PAiSA processed over FJD 6 billion in the year to June 2025. VAT is 12.5% from 1 August 2025. With Omno, a merchant would reach cards, Google Pay and wallet payments through one API, with routing rules per method and customer group.
- [Finland](https://omno.com/coverage/finland/): Finland pays online by bank payment, card and phone. Online bank payments are still the method Finnish shoppers prefer, while cards and mobile payments are growing: Finnish cards made 141 million remote payments in April to June 2026. By law, payment options without credit come first and none may be pre-selected. With Omno, a merchant would reach online bank payments, MobilePay and cards in EUR through one API, with routing rules per method and customer group.
- [France](https://omno.com/coverage/france/): France pays online by card. Cards made up 54% of online payments in 2024 in the ECB's SPACE study, and France has its own card network, Cartes Bancaires, whose cards are almost all co-badged with Visa or Mastercard. E-payment solutions such as PayPal follow at 27%. Shoppers have 14 days to withdraw and must be refunded by the same means. With Omno, a merchant would reach Cartes Bancaires, wallets and international cards through one API, with routing rules per method and customer group.
- [Gabon](https://omno.com/coverage/gabon/): Gabon's payments carry high values. It made up 17.49% of the value of all payments in the region in 2024, and its 1,386 card terminals were close to Cameroon's count. Mobile money from Airtel Money and Moov Money had 1.7 million active accounts in mid-2025. VAT is 18%. With Omno, a merchant would reach Airtel Money, Moov Money and cards through one API, with routing rules per method and customer group.
- [Gambia](https://omno.com/coverage/gambia/): The Gambia moved to mobile money fast. FinScope found 82% of adults formally included in 2025, against 19% in 2019, driven by wallets such as Wave, Afrimoney and QMoney. VAT is 15%, and registered sellers must quote prices including it. With Omno, a merchant would reach Wave, Afrimoney and cards in GMD through one API, with routing rules per method and customer group.
- [Georgia](https://omno.com/coverage/georgia/): Georgia is a card-first e-commerce market. Most online payments are Visa and Mastercard cards issued by the large Georgian banks, often paid through Apple Pay or Google Pay, while QR and pay-by-bank payments are growing. Foreign digital sellers charge 18% VAT, and shoppers have 14 days to withdraw from distance purchases. Omno, headquartered in Tbilisi, routes GEL pay-ins and pay-outs for online merchants through one API.
- [Germany](https://omno.com/coverage/germany/): Germany pays online with PayPal and on invoice. In the EHI panel of online retailers, PayPal took 28.7% of online revenue in 2025, purchase on invoice 26.1%, direct debit 14.4% and cards 13.7%. The order button must read "zahlungspflichtig bestellen" or something equally clear. With Omno, a merchant would reach PayPal, invoice and direct debit providers, Wero and cards through one API, with routing rules per method and customer group.
- [Ghana](https://omno.com/coverage/ghana/): Ghana pays online with mobile money. Bank of Ghana data shows 26.4 million active mobile money accounts and GHS 518.8 billion in transactions in August 2026, with MTN MoMo the largest service. Since 1 January 2026 a new VAT Act sets a combined 20% rate and requires foreign sellers of digital services to register. With Omno, a merchant would reach mobile money and cards through one API, with routing rules per method and currency.
- [Greece](https://omno.com/coverage/greece/): Greece pays online by card. In Nexi's 2024 survey, 57% of online shoppers paid by debit card and 49% with PayPal, while 21% still chose cash on delivery. IRIS, the national instant payment service, is now offered by about 70,000 e-shops, and businesses operating in Greece have had to accept it since 1 December 2025. VAT is 24%. With Omno, a merchant would reach cards, wallets and IRIS through one API, with routing rules per method and customer group.
- [Grenada](https://omno.com/coverage/grenada/): Grenada pays online by card. Visa and Mastercard cards are the most used non-cash payment in the Eastern Caribbean Currency Union, and bank transfers clear in real time through the regional clearing house. The Eastern Caribbean dollar is pegged at 2.70 to the US dollar, and VAT is 15%, and VAT on digital services from abroad is on its way. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Guatemala](https://omno.com/coverage/guatemala/): Guatemala pays online mostly by card. PCMI data cited by Spain's trade office put internationally enabled credit cards at 63% of e-commerce payment value in 2024, with bank transfers at 18%, and in a Chamber of Commerce study 52% of online shoppers had paid cash on delivery. Prices must be shown in quetzales. With Omno, a merchant would reach cards and bank transfers through one API, with routing rules per method and customer group.
- [Guinea](https://omno.com/coverage/guinea/): Guinea pays mostly in cash, with Orange Money as the leading digital option. The central bank says 26% of adults had an electronic money account in 2025, and Orange held 84% of the mobile money market in 2023. The bank is pushing payments away from cash after a shortage of banknotes in 2025. With Omno, a merchant would reach Orange Money, other wallets and cards in GNF through one API, with routing rules per method and customer group.
- [Guinea-Bissau](https://omno.com/coverage/guinea-bissau/): Guinea-Bissau is a small market with very active wallets. The BCEAO counted 4.82 million electronic money accounts at the end of 2024, and 67.99% of them were used in the previous 90 days, the highest rate in the UEMOA. Orange Money is the only licensed issuer. Payments abroad follow BCEAO rules. With Omno, a merchant would reach Orange Money and cards in XOF through one API, with routing rules per method and customer group.
- [Guyana](https://omno.com/coverage/guyana/): Guyana is still largely a cash economy, but cards and mobile payments are spreading, and Mobile Money Guyana holds most of the mobile wallet market. Internet use reached 83% of the population in 2024. VAT is 14%, and since 2025 foreign exchange has been subject to new controls. With Omno, a merchant would reach MMG mobile money and cards through one API, with routing rules per method and customer group.
- [Haiti](https://omno.com/coverage/haiti/): Haiti pays mostly by cash, cheque and bank transfer, and online payment is still rare. Mobile money is the main digital channel: Digicel's MonCash has about two million customers and Natcom's NatCash follows, while few adults hold a bank card. Sales tax (TCA) is 10%, and PayPal is not available. With Omno, a merchant would reach MonCash, bank transfers and cards through one API, with routing rules per method and customer group.
- [Honduras](https://omno.com/coverage/honduras/): Honduras pays online mainly by card. Banks had 5,773,556 active debit cards at the end of 2024, while only 9.4% of adults hold a credit card, so debit cards carry much of the load. Bank transfers over the ACH are the main alternative, and e-money wallets reach 2.7% of adults. Sales tax is 15%. With Omno, a merchant would reach cards, Apple Pay, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Hong Kong](https://omno.com/coverage/hong-kong/): Hong Kong pays online with wallets and cards. In Worldpay's Global Payments Report 2026, digital wallets took 41% of e-commerce value in 2025, overtaking cards for the first time, and FPS transfers and other account payments took 19%. There is no VAT or sales tax. With Omno, a merchant would reach AlipayHK, WeChat Pay HK, PayMe, FPS and cards through one API, with routing rules per method and customer group.
- [Hungary](https://omno.com/coverage/hungary/): Cards are the base of Hungarian payments, and qvik, the central bank's instant payment brand, is growing fast. PwC put Hungarian e-commerce at HUF 2,092 billion in 2025, and the central bank counted 4.6 million qvik payments in the second quarter of 2026. VAT is 27%. With Omno, a merchant would reach cards, phone wallets and qvik in HUF through one API, with routing rules per method and customer group.
- [Iceland](https://omno.com/coverage/iceland/): Iceland pays online by card. Credit cards carried 57.8 billion ISK of domestic retail card turnover in April 2026, against 40.4 billion ISK on debit cards, and Apple Pay and Google Pay are both available. Pay-later services such as Netgíró and Pei sit beside the card form. Foreign sellers of e-services register for VAT at 24% once sales pass ISK 2 million a year. With Omno, a merchant would reach cards, wallets and pay-later options in ISK through one API, with routing rules per method and customer group.
- [India](https://omno.com/coverage/india/): India pays online with UPI. The instant payment system made up nearly 86% of retail payment transactions in 2025-26, with 241.6 billion payments, while cards handled 7.3 billion. Card payments need an additional factor of authentication, and merchants may not store card numbers. With Omno, a merchant would reach UPI, RuPay, Visa and Mastercard cards through one API, with routing rules per method and customer group.
- [Indonesia](https://omno.com/coverage/indonesia/): Indonesia pays online with e-wallets and bank transfers. In a 2026 Xendit and Cube survey, e-wallets paid for about 60% of shoppers' online purchases and bank transfers for about 52%, while QRIS reached 70.6 million users. Foreign digital sellers above set thresholds collect 12% VAT on an 11/12 base. With Omno, a merchant would reach e-wallets, virtual accounts, QRIS and cards through one API, with routing rules per method and customer group.
- [Iraq](https://omno.com/coverage/iraq/): Iraq still pays online mostly in cash. In the World Bank's Global Findex survey, 13.83% of adults bought something online in 2024, and more of them paid cash on delivery than paid online. Qi Card and other local cards, and wallets such as ZainCash, carry the digital share. Iraq has no VAT. With Omno, a merchant would reach local cards, Google Pay and wallets through one API, with routing rules per method and customer group.
- [Ireland](https://omno.com/coverage/ireland/): Almost everyone in Ireland shops online: Eurostat puts the share who bought online in the previous 12 months at 95.05% in 2025. Cards carry the payments, with EUR 3.40 billion of domestic online card spending in August 2026, and Revolut had 3.3 million Irish customers. Card surcharges are banned. With Omno, a merchant would reach cards, Apple Pay, Google Pay and Revolut Pay through one API, with routing rules per method and customer group.
- [Israel](https://omno.com/coverage/israel/): Israel pays online by card. In the World Bank's Global Findex survey, 51% of adults bought something online in 2021 and 79% held a credit card, and card payments can be split into instalments. Apple Pay, Google Pay and the Bit and PayBox apps are growing. VAT is 18%. With Omno, a merchant would reach cards, Apple Pay, Google Pay and Bit through one API, with routing rules per method and customer group.
- [Italy](https://omno.com/coverage/italy/): Italy is a large, mature e-commerce market. The Politecnico di Milano and Netcomm expect online purchases of products to reach EUR 42.6 billion in 2026, 11.5% of retail, and Italians made EUR 518 billion of digital payments in 2025. VAT is 22%, and since 19 June 2026 web shops need an online withdrawal button. With Omno, a merchant would reach cards, Satispay and BANCOMAT Pay through one API, with routing rules per method and customer group.
- [Jamaica](https://omno.com/coverage/jamaica/): Jamaica pays online by card. In a Mastercard study, 84% of Jamaicans named debit and credit cards as their preferred digital way to pay for online purchases, while bank transfers and wallets such as Lynk follow. GCT is 15%, and a GCT on digital services from foreign suppliers is planned for 2027. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Japan](https://omno.com/coverage/japan/): Japan pays online mostly by credit card. Credit cards carried 82.7% of cashless payment value in 2025, code payments such as PayPay 10.2%, and konbini payment lets shoppers pay cash at a convenience store. E-commerce merchants are expected to use EMV 3-D Secure on card payments. With Omno, a merchant would reach cards, PayPay and konbini payments through one API, with routing rules per method and customer group.
- [Jordan](https://omno.com/coverage/jordan/): Jordan pays online by bank transfer, cards and bills. CliQ, the national instant payment system, had 2.13 million registered users and 167.92 million transactions in 2025, and eFAWATEERcom carries bill and top-up payments through banks, wallets and agents. Foreign sellers also face sales tax on digital services and on small parcels. With Omno, a merchant would reach these methods and cards through one API, with routing rules per method and currency.
- [Kazakhstan](https://omno.com/coverage/kazakhstan/): Kazakhstan is a Kaspi-first market. Most consumers pay online through the Kaspi.kz super app with Kaspi QR, Kaspi Pay or a Kaspi card, and 18 banks and Kazpost issue the 84 million payment cards in circulation. Since 1 January 2026 foreign companies selling online to Kazakh consumers pay 16% VAT. Omno routes KZT pay-ins and pay-outs for online retail, digital goods and marketplaces through one API.
- [Kenya](https://omno.com/coverage/kenya/): Kenya is a mobile money market. The Central Bank of Kenya counted 95.31 million registered mobile money accounts in August 2026, and Safaricom's M-PESA had 40.99 million one-month active customers in the year to March 2026. Foreign sellers of digital services charge 16% VAT, and since July 2026 payment processing fees carry VAT too. With Omno, a merchant would reach M-PESA and cards through one API, with routing rules per method and customer group.
- [Kiribati](https://omno.com/coverage/kiribati/): Kiribati is a very small market of about 136,000 people that uses the Australian dollar. Banks issue Visa debit cards, which ANZ Kiribati says work online and overseas. VAT is 12.5%, and from 1 January 2026 non-resident digital service providers must register once their supplies pass AUD 100,000. With Omno, a merchant would reach cards and Google Pay in AUD through one API, with routing rules per method and customer group.
- [Kuwait](https://omno.com/coverage/kuwait/): Kuwait is a debit-first market. Every debit card issued in Kuwait carries the KNET brand, Apple Pay runs over the KNET network, and the Central Bank reports that 85% of payments were non-cash in the second quarter of 2026. Kuwait has no VAT, but card payments and refunds follow local consumer and Central Bank rules. With Omno, a merchant would reach KNET, Apple Pay and international cards through one API, with routing rules per method and currency.
- [Kyrgyzstan](https://omno.com/coverage/kyrgyzstan/): Kyrgyzstan pays by card and, more and more, by QR code. At the end of 2025 there were 9.9 million bank cards in circulation, 2.6 million of them on the national Elcart scheme, and the national ELQR standard carried 200 million payments in the last quarter alone. Foreign sellers of electronic services pay 12% VAT. With Omno, a merchant would reach Elcart, Visa and QR payments through one API, with routing rules per method and currency.
- [Laos](https://omno.com/coverage/laos/): Laos pays online sellers mostly by QR transfer from banking apps, with cash on delivery still common. LAO QR links banks and, since July 2025, the MmoneyX wallet through the national network LAPNet. Since 1 August 2024, overseas suppliers of digital goods and services must register for Lao VAT at 10%. With Omno, a merchant would reach cards, Google Pay and local QR payments through one API, with routing rules per method and customer group.
- [Latvia](https://omno.com/coverage/latvia/): Latvia pays online by card and by bank payment. Cards made 44.8% of online payments in the ECB's 2024 survey and credit transfers and instant payments 22.4%, more than twice the euro area share. Latvijas Banka counts about five online payments per adult a week. VAT is 21%. With Omno, a merchant would reach Latvian bank payments, Apple Pay, Google Pay and cards through one API, with routing rules per method and customer group.
- [Lebanon](https://omno.com/coverage/lebanon/): Lebanon is a cash economy that pays online mostly on delivery. In the World Bank's Global Findex survey, 4.88% of adults bought something online in 2024, and more paid cash on delivery than paid online. Fresh dollar cards and wallet cards carry most digital payments. VAT is 11%. With Omno, a merchant would reach Visa, Mastercard, Google Pay and wallet cards through one API, with routing rules per method and customer group.
- [Lesotho](https://omno.com/coverage/lesotho/): Lesotho's digital payments run mostly on M-Pesa. The IMF counted 1.30 million active mobile money accounts in 2024, and Vodacom says its wallet holds 88% of the sector, with EcoCash the other option. The loti is pegged to the South African rand, and VAT-registered sellers now invoice through the Lekuka e-invoicing system. With Omno, a merchant would reach M-Pesa, EcoCash and cards through one API, with routing rules per method and customer group.
- [Liberia](https://omno.com/coverage/liberia/): Liberia runs on two currencies and two wallets. Mobile money moved about LRD 585 billion and USD 6.9 billion in 2025, through Lonestar Cell MTN Mobile Money and Orange Money, which the central bank linked in December 2025. GST on services is 13%, and VAT at 15% replaces it on 1 January 2027. With Omno, a merchant would reach MTN Mobile Money, Orange Money and cards in LRD or USD through one API, with routing rules per method and customer group.
- [Libya](https://omno.com/coverage/libya/): Libya pays digitally by local bank card, by LYPay, the central bank's instant payment service with 1.36 million individual subscribers in January 2025, and by licensed e-wallets. There is no VAT. The dinar was devalued in April 2025 and again in January 2026, and traded at 6.41 per US dollar on 29 October 2026. With Omno, a merchant would reach local cards, LYPay, e-wallets and international cards through one API, with routing rules per method and customer group.
- [Liechtenstein](https://omno.com/coverage/liechtenstein/): Liechtenstein pays in Swiss francs and mostly by card. Its banks issue Visa and Mastercard cards and support Apple Pay and Google Pay, and LLB, where almost every resident banks, also offers QR-bill and eBill payments. TWINT, the Swiss app, faced regulatory hurdles to launching there in 2024. VAT is 8.1% under Swiss-based law, and shoppers have 14 days to withdraw. With Omno, a merchant would reach cards, Apple Pay and Google Pay in CHF through one API, with routing rules per method and customer group.
- [Lithuania](https://omno.com/coverage/lithuania/): Lithuania does more of its everyday paying online than any other euro area country: 29% of consumers' day-to-day payments in 2024, according to the European Central Bank. Almost every adult has an account, so bank payments sit next to cards at checkout, and euro area banks must send instant transfers. VAT is 21%. With Omno, a merchant would reach cards, bank payments and phone wallets in EUR through one API, with routing rules per method and customer group.
- [Luxembourg](https://omno.com/coverage/luxembourg/): Luxembourg pays online by card and with payment apps. Cards made 46.9% of online payments in the ECB's 2024 survey and e-payment apps such as PayPal 27.2%. Wero replaced Payconiq for account-to-account payments in September 2026. VAT is 17%, the lowest standard rate in the EU. With Omno, a merchant would reach PayPal, Wero, Apple Pay, Google Pay and cards through one API, with routing rules per method and customer group.
- [Madagascar](https://omno.com/coverage/madagascar/): In Madagascar, mobile money reaches far more people than banks. The IMF counted 6.12 million active mobile money accounts and 1.27 billion transactions in 2024, while bank penetration is around 18% of the population. VAT is 20%, and foreign suppliers of services to Malagasy taxpayers fall within it. With Omno, a merchant would reach MVola, Orange Money and cards in MGA through one API, with routing rules per method and customer group.
- [Malawi](https://omno.com/coverage/malawi/): Malawi pays with mobile money. The Reserve Bank of Malawi counted 19.9 million registered mobile money subscriptions at the end of 2025, of which 8.9 million were active in the last 30 days, through Airtel Money and TNM Mpamba. Since 15 April 2026, foreign sellers of digital services to Malawian consumers must register for VAT. With Omno, a merchant would reach Airtel Money, TNM Mpamba and cards through one API, with routing rules per method and customer group.
- [Malaysia](https://omno.com/coverage/malaysia/): Malaysia pays online through bank accounts and cards. FPX online banking handled 956.1 million transactions in 2025, against 929.7 million card-not-present card transactions, and e-wallets and DuitNow QR are growing. Foreign digital service providers charge 8% service tax. With Omno, a merchant would reach FPX, e-wallets, Apple Pay, Google Pay and cards through one API, with routing rules per method and customer group.
- [Maldives](https://omno.com/coverage/maldives/): The Maldives pays mostly by card. Banks and payment service providers acquired over 72 million card transactions worth about MVR 60 billion in 2024, up 67% in volume. Favara, the central bank's instant payment system, handled 7.76 million transfers that year. GST is 8%, with a 17% rate for tourism. With Omno, a merchant would reach cards, Favara-linked bank and wallet payments and Google Pay through one API, with routing rules per method and customer group.
- [Mali](https://omno.com/coverage/mali/): Mali pays from mobile wallets. The BCEAO counted 18.1 million electronic money accounts at the end of 2024, with XOF 18,744 billion in transactions that year, 11.7% of the UEMOA total. Orange Money, Moov Money, Wave and SAMA Money compete. A seller not domiciled in Mali needs a local VAT representative. With Omno, a merchant would reach Orange Money, Wave and cards through one API, with routing rules per method and customer group.
- [Malta](https://omno.com/coverage/malta/): Malta pays online by card and with payment apps. Cards made 52.8% of online payments in the ECB's 2024 survey and e-payment apps such as PayPal 23.3%, even though cash still makes 67% of payments in shops. VAT is 18%. With Omno, a merchant would reach PayPal, Apple Pay, Google Pay, bank transfers and cards through one API, with routing rules per method and customer group.
- [Marshall Islands](https://omno.com/coverage/marshall-islands/): The Marshall Islands is a very small US-dollar market of about 36,000 people, and 65.9% used the internet in 2024. Public data on online payment habits is thin; banks offer mobile banking, and the IMF flags reliance on a single correspondent banking relationship as a risk for cross-border flows. With Omno, a merchant would reach cards, Google Pay and bank transfers in USD through one API, with routing rules per method and customer group.
- [Mauritania](https://omno.com/coverage/mauritania/): Online shopping in Mauritania runs mostly through WhatsApp, with buyers paying through bank apps: Bankily, from Banque Populaire de Mauritanie, is the most popular and has close to one million clients, ahead of BMCI's Masrivi. Cards are used mainly in the large cities. VAT is 16%. With Omno, a merchant would reach Bankily, Masrivi and cards through one API, with routing rules per method and customer group.
- [Mauritius](https://omno.com/coverage/mauritius/): Mauritius pays online by card, with Apple Pay and Google Pay both available. Banking apps are growing fast: the Bank of Mauritius counted 1.91 million mobile banking subscribers in June 2025, and its MauCAS instant payment system handled 19.4 million transactions in the year. Since 1 January 2026 foreign suppliers of digital services must register for VAT. With Omno, a merchant would reach cards and wallets in MUR through one API, with routing rules per method and customer group.
- [Mexico](https://omno.com/coverage/mexico/): Mexico pays online mainly by card, followed by wallets, SPEI bank transfers and cash. Cards took 57% of e-commerce value in 2025, SPEI handled about 7.3 billion transfers across all uses, and OXXO cash vouchers still serve shoppers who prefer cash. Foreign sellers of digital services charge 16% VAT, and shoppers can cancel within five business days. Omno routes MXN pay-ins and payouts across SPEI, OXXO and card providers through one API.
- [Micronesia](https://omno.com/coverage/micronesia/): The Federated States of Micronesia is a very small US-dollar market of about 114,000 people, and 39.5% used the internet in 2024. Public data on online payment habits is thin, so cards and bank transfers are the practical starting point. There is no national VAT today, though a VAT is under discussion. With Omno, a merchant would reach cards, Google Pay and bank transfers in USD through one API, with routing rules per method and customer group.
- [Moldova](https://omno.com/coverage/moldova/): Moldovans pay online by card, and mostly abroad: Moldovan cards made 40.1 million online payments in 2025, and 82.4% of them went to foreign platforms, according to the National Bank of Moldova. MIA, the central bank's instant payment system, adds QR and button payments from banking apps. With Omno, a merchant would reach cards and MIA in MDL through one API, with routing rules per method.
- [Mongolia](https://omno.com/coverage/mongolia/): Mongolia pays by card and by QR code from bank apps. The Bank of Mongolia counted 5.82 million payment cards at the end of 2025, almost half of them on the national ₮ card brand, and 19.7 million online card transactions during the year. QPay links bank apps and e-wallets through one QR code. With Omno, a merchant would reach QPay, SocialPay and cards through one API, with routing rules per method and webhook confirmation.
- [Montenegro](https://omno.com/coverage/montenegro/): Montenegro pays in euros, and online shopping is rising fast: 44.54% of people bought online in the previous 12 months in 2025, up from 34.68% a year earlier. Cards lead the prepaid options, cash on delivery is still widely used, and Apple Pay and Google Pay are offered by eight banks. VAT is 21%. With Omno, a merchant would reach cards, Apple Pay and Google Pay in EUR through one API, with routing rules per method and customer group.
- [Morocco](https://omno.com/coverage/morocco/): Morocco is a cash-heavy market where online payments run mainly on bank cards. Bank Al-Maghrib counted 38.5 million e-commerce card payments worth MAD 11 billion in 2024, up 20% in number, and card acquiring opened to several bank-owned acquirers in 2026. Residents can spend up to MAD 20,000 a year on foreign websites. With Omno, a merchant would reach Moroccan cards through one API, with routing rules per acquirer and currency.
- [Mozambique](https://omno.com/coverage/mozambique/): Mozambique pays from mobile wallets. The Banco de Moçambique counted 24.6 million accounts at electronic money institutions in November 2025, against 6.7 million bank accounts, and M-Pesa, e-Mola and mKesh have been interoperable since July 2022. VAT is 16%. With Omno, a merchant would reach M-Pesa, the other wallets and cards in MZN through one API, with routing rules per method and customer group.
- [Namibia](https://omno.com/coverage/namibia/): Namibia pays online by card first. The Bank of Namibia counted 108.7 million interbank card transactions in 2025, and e-money wallets grew to 97.2 million transactions. The Namibia dollar trades one to one with the rand. Online buyers can cancel within seven days under the Electronic Transactions Act. With Omno, a merchant would reach cards, wallets and bank transfers in NAD through one API, with routing rules per method and customer group.
- [Nepal](https://omno.com/coverage/nepal/): Nepal pays online from the phone. Nepal Rastra Bank counted 27.4 million wallets and 50.8 million wallet transactions in the month to mid-June 2026, against about 285,000 online card payments. Mobile banking, QR and connectIPS transfers follow. Non-resident digital service providers pay a 2% tax above NPR 3 million a year. With Omno, a merchant would reach wallets, bank transfers and cards through one API, with routing rules per method and customer group.
- [Netherlands](https://omno.com/coverage/netherlands/): The Netherlands pays online with iDEAL. It was used for 71% of online purchases in 2025, against 8% for credit cards and 4% for Klarna, and handled more than 1.5 billion transactions. From 2026 iDEAL is moving to Wero, with every merchant switched by the end of 2027. With Omno, a merchant would reach iDEAL, Klarna and cards through one API, with routing rules per method and customer group.
- [New Zealand](https://omno.com/coverage/new-zealand/): New Zealand pays online by Visa and Mastercard. The two networks carried about three in four payments in the Commerce Commission's latest monitoring, as shoppers moved to online, contactless and mobile wallet payments. Pay by bank is the main alternative. Overseas sellers of remote services charge 15% GST above NZD 60,000 of sales a year. With Omno, a merchant would reach cards, Apple Pay, Google Pay and pay by bank through one API, with routing rules per method and customer group.
- [Nicaragua](https://omno.com/coverage/nicaragua/): Nicaragua pays digitally by debit card first: the central bank counted 34.5 million debit card transactions in the second quarter of 2026, ahead of credit cards and bank transfers, while online payment gateways handled 4.8 million. VAT is 15%, and the córdoba is held at 36.6243 per US dollar. With Omno, a merchant would reach bank transfers, digital wallets and cards through one API, with routing rules per method and customer group.
- [Niger](https://omno.com/coverage/niger/): Niger has many mobile money accounts but few active ones. The BCEAO counted 9.75 million electronic money accounts at the end of 2024, yet only 441,764 had been used in the previous 90 days, an activity rate of 4.53%. Airtel Money, Moov Flooz and Wave are the main wallets. A seller not domiciled in Niger needs a local VAT representative. With Omno, a merchant would reach Airtel Money, Wave and cards through one API, with routing rules per method and customer group.
- [Nigeria](https://omno.com/coverage/nigeria/): Nigeria is a bank-transfer-first market. Instant transfers over the NIBSS Instant Payment rail lead online payments, with cards, USSD and wallets such as OPay alongside, and NIBSS processed about NGN 1.07 quadrillion in e-payments in 2024. Since 1 January 2026, foreign sellers of goods and digital services to Nigerians must register for 7.5% VAT. Omno routes NGN pay-ins and pay-outs across transfer, card and wallet providers through one API.
- [North Macedonia](https://omno.com/coverage/north-macedonia/): More than half of North Macedonia shops online: 55.91% of people bought online in the previous 12 months in 2025. Cards are the main way to pay, at an estimated 46% of e-commerce payments, while cash on delivery is still common outside the cities. Apple Pay and Google Pay are available through five banks. VAT is 18%. With Omno, a merchant would reach cards, Apple Pay and Google Pay in MKD through one API, with routing rules per method and customer group.
- [Norway](https://omno.com/coverage/norway/): Norway pays online by card and by phone. In Norges Bank's March 2026 survey, 37% of online purchases were paid directly by card, 37% through a mobile payment platform such as Vipps and 22% by invoice. Foreign sellers of low-value goods and digital services charge 25% VAT through the VOEC scheme. With Omno, a merchant would reach Vipps, invoice providers and cards in NOK through one API, with routing rules per method and customer group.
- [Oman](https://omno.com/coverage/oman/): Oman pays online with domestic debit cards. Payments through local electronic payment gateways passed 168 million in 2025, worth about RO 3.2 billion, and Apple Pay has been live since September 2024. Online sales carry 5% VAT, and foreign sellers to consumers have no registration threshold. With Omno, a merchant would reach OmanNet debit cards, Apple Pay and international cards through one API, with routing rules per method and customer group.
- [Pakistan](https://omno.com/coverage/pakistan/): Pakistan pays online from mobile wallets and bank apps. In FY26 the State Bank of Pakistan counted 1.56 billion online e-commerce payments from accounts and wallets, against 65 million by card, and cash on delivery is still common. Card e-commerce needs 3-D Secure. With Omno, a merchant would reach JazzCash, Easypaisa, Raast and cards through one API, with routing rules per method and customer group.
- [Palau](https://omno.com/coverage/palau/): Palau is a very small US-dollar market of about 17,700 people, with 83.9% online in 2024. Banks such as BankPacific issue Visa debit cards, and the IMF has suggested a national payment strategy that could explore mobile money. The Palau Goods and Services Tax is 10% since 1 January 2023. With Omno, a merchant would reach cards, Google Pay and bank transfers in USD through one API, with routing rules per method and customer group.
- [Panama](https://omno.com/coverage/panama/): Panama pays online by card and by Yappy, Banco General's mobile payment app, which handled 487 million transactions in 2024, 56 million of them with businesses. Clave debit cards, issued by more than 30 local institutions, now work online through Discover. A bill presented in August 2026 would add 7% ITBMS to foreign digital services. With Omno, a merchant would reach cards, Clave and Yappy through one API, with routing rules per method and customer group.
- [Papua New Guinea](https://omno.com/coverage/papua-new-guinea/): Papua New Guinea is an early-stage online market: the World Bank puts internet use at 18.8% of people in 2024. Banks issue Visa debit cards that work online, and Digicel's CellMoni wallet had about 1.6 million users in July 2025. GST is 10%, and access to foreign exchange has improved under IMF-supported reforms. With Omno, a merchant would reach cards, Google Pay and wallet payments through one API, with routing rules per method and customer group.
- [Paraguay](https://omno.com/coverage/paraguay/): Paraguay has moved fast to instant transfers and QR. The central bank's instant payment system, the SPI, carried about 39.6 million transfers in October 2025 alone, and Bancard counted more than 180 million QR payments in 2025. Banks and payment processors collect 10% IVA when cardholders pay for foreign digital services. With Omno, a merchant would reach cards, QR payments and instant transfers through one API, with routing rules per method and customer group.
- [Peru](https://omno.com/coverage/peru/): Peru pays online through wallets, bank transfers and cards. Yape had 16.4 million monthly active users in early 2026 and is interoperable with Plin, while PagoEfectivo payment codes serve shoppers who pay at bank agents or through online banking. Foreign sellers of digital services have collected 18% IGV since December 2024. Omno routes PEN pay-ins and pay-outs across wallet, voucher and card providers through one API.
- [Philippines](https://omno.com/coverage/philippines/): The Philippines pays online with e-wallets, led by GCash. Digital payments made up 64.69% of retail payment transactions in 2025, and QR Ph handled 2.47 billion transactions, according to the central bank. Non-resident digital service providers charge 12% VAT under RA 12023. With Omno, a merchant would reach GCash, Maya, QR Ph, Apple Pay, Google Pay and cards through one API, with routing rules per method and customer group.
- [Poland](https://omno.com/coverage/poland/): Poland pays online with BLIK. The mobile payment system run by Polish banks handled 2.9 billion transactions worth PLN 441.5 billion in 2025, and 48.5% of its transactions in the first half of 2026 were e-commerce. Fast bank transfers and cards follow. With Omno, a merchant would reach BLIK, pay-by-link transfers and cards in PLN through one API, with routing rules per method.
- [Portugal](https://omno.com/coverage/portugal/): Portugal pays online with cards and MB WAY. Cards made up 36% of online payments in 2024 and e-payment solutions such as MB WAY 33%, one of the highest wallet shares in the euro area. MB WAY, run by SIBS, has more than 6.5 million users, and Multibanco references remain a familiar way to pay later. With Omno, a merchant would reach MB WAY, Multibanco and cards through one API, with routing rules per method and customer group.
- [Qatar](https://omno.com/coverage/qatar/): Qatar is a card-first market run on central bank rails. Qatari debit and prepaid cards, including the national Himyan card, are paid online through QPay, the e-commerce gateway of the Qatar Central Bank, and online card transactions rose 35% in a year to 12.7 million in August 2026. There is no VAT. With Omno, a merchant would reach QPay, Apple Pay and international cards through one API, with routing rules per method and card type.
- [Republic of the Congo](https://omno.com/coverage/congo/): The Republic of the Congo is the second busiest payment market in the CEMAC by volume. The BEAC counted 9.5 million mobile money accounts and 459.5 million wallet transactions there in 2024, against 314,368 card payments at merchants. VAT is 18.9% once the surtax is added, and it covers services sold through foreign e-commerce platforms. With Omno, a merchant would reach MTN MoMo, Airtel Money and cards through one API, with routing rules per method and customer group.
- [Romania](https://omno.com/coverage/romania/): Romania is a fast-growing e-commerce market where cards carry only about a third of online payments. GPeC put e-commerce at EUR 11.7 billion in 2024, and RoPay, the national instant payment scheme, has taken online payments since late 2025. VAT rose to 21% in August 2025. With Omno, a merchant would reach cards and RoPay in RON through one API, with routing rules per method.
- [Rwanda](https://omno.com/coverage/rwanda/): Rwanda pays online with mobile money. The FinScope 2024 survey found that 77% of adults hold a registered mobile money wallet, against 22% with a bank account, and MTN Rwanda counted 6.4 million active MoMo users in June 2026. Since April 2026 foreign online sellers must register for 18% VAT. With Omno, a merchant would reach MTN MoMo, Airtel Money and cards through one API, with routing rules per method and customer group.
- [Saint Kitts and Nevis](https://omno.com/coverage/saint-kitts-and-nevis/): Saint Kitts and Nevis pays online by card. Visa and Mastercard cards are the most used non-cash payment in the Eastern Caribbean Currency Union, and bank transfers clear in real time through the regional clearing house. The Eastern Caribbean dollar is pegged at 2.70 to the US dollar, and VAT is 17%. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Saint Vincent and the Grenadines](https://omno.com/coverage/saint-vincent-and-the-grenadines/): Saint Vincent and the Grenadines pays online by card. Visa and Mastercard cards are the most used non-cash payment in the Eastern Caribbean Currency Union, and bank transfers clear in real time through the regional clearing house. The Eastern Caribbean dollar is pegged at 2.70 to the US dollar, and VAT is 16%. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Samoa](https://omno.com/coverage/samoa/): Samoa is a small online market of about 219,000 people. Banks issue Visa debit cards that work online, and two telecom operators run mobile wallets, though only 9% of the 76,515 enrolled mobile money customers were active in June 2022. VAGST is 15%. With Omno, a merchant would reach cards, Google Pay and wallet payments in WST through one API, with routing rules per method and customer group.
- [San Marino](https://omno.com/coverage/san-marino/): San Marino is a small euro market whose shoppers pay mostly by debit card. Its banks had 46,373 debit and prepaid cards and 17,818 credit cards in circulation at the end of 2025. PayPal and Google Pay are available, but Apple Pay is not on Apple's country list. Instead of VAT, goods are taxed through an import tax. With Omno, a merchant would reach cards, PayPal and Google Pay in EUR through one API, with routing rules per method and customer group.
- [São Tomé and Príncipe](https://omno.com/coverage/sao-tome-and-principe/): São Tomé and Príncipe has a small, bank-led payment system and no mobile money operator. The central bank counted 49,915 active Dobra24 cards and 556 point-of-sale terminals at the end of 2022, with about 35% of people banked. VAT of 15% replaced the consumption tax on 1 June 2023. With Omno, a merchant would reach Visa and Mastercard cards and Google Pay through one API, with routing rules per method and customer group.
- [Saudi Arabia](https://omno.com/coverage/saudi-arabia/): Saudi Arabia is a mada-first market. The domestic mada debit scheme, used on its own and through Apple Pay, carries most online card spending, and electronic payments made up 85% of retail payments in 2025 according to SAMA. Foreign sellers also need to plan for VAT, the E-Commerce Law's refund rules and data rules. Omno routes SAR payments and payouts across mada, card, wallet and BNPL providers through one API.
- [Senegal](https://omno.com/coverage/senegal/): Senegal makes more mobile money transactions than any other UEMOA country: the BCEAO counted 2.87 billion in 2024, worth XOF 48,487 billion, on 14.6 million active accounts. Wave, Orange Money and Free Money are licensed wallets. Foreign sellers of digital services have charged 18% VAT since 1 July 2024. With Omno, a merchant would reach Wave, Orange Money and cards through one API, with routing rules per method and customer group.
- [Serbia](https://omno.com/coverage/serbia/): Serbia pays online by card, in dinars. The National Bank of Serbia counted 78.57 million online purchases paid in dinars in 2025, up from 56.47 million in 2024, and 13.30 million cards, including the national DinaCard. Its instant payment system IPS adds QR payments from m-banking apps. With Omno, a merchant would reach cards, DinaCard and IPS in RSD through one API, with routing rules per method.
- [Seychelles](https://omno.com/coverage/seychelles/): Seychelles is a banked, connected island market. The IMF counted 1,841 bank deposit accounts per 1,000 adults in 2024, 87.8% of people used the internet, and banks stopped accepting personal cheques in May 2025. A non-resident selling services to unregistered customers registers for 15% VAT once turnover reaches SR 2 million. With Omno, a merchant would reach cards, Google Pay and bank-led payments through one API, with routing rules per method and customer group.
- [Sierra Leone](https://omno.com/coverage/sierra-leone/): Sierra Leone pays with mobile money from Orange Money and Africell's Afrimoney, now linked to banks through a national instant payment service launched in February 2025. The country had 8.2 million mobile money accounts at the end of 2023. Prices must be quoted in leones, and foreign digital sellers owe 15% GST. With Omno, a merchant would reach Orange Money, Afrimoney and cards in SLE through one API, with routing rules per method and customer group.
- [Singapore](https://omno.com/coverage/singapore/): Singapore pays online by card. In a 2026 Xendit and Cube survey, cards paid for an estimated 60% of online purchases, with bank transfers such as PayNow at 35% and e-wallets at 33%. Online sales were 15.7% of retail sales in August 2026. Overseas sellers above set thresholds charge 9% GST. With Omno, a merchant would reach PayNow, GrabPay, Apple Pay, Google Pay and cards through one API, with routing rules per method and customer group.
- [Slovakia](https://omno.com/coverage/slovakia/): Slovakia pays online by card, but cash on delivery is still common. Cards made 55.7% of online payments in the ECB's 2024 survey, while more than 43% of orders on Slovak Shoptet stores are paid on delivery. VAT has been 23% since January 2025. With Omno, a merchant would reach cards, Apple Pay, Google Pay, PayPal and bank transfers through one API, with routing rules per method and customer group.
- [Slovenia](https://omno.com/coverage/slovenia/): Slovenia pays online mostly by card. Cards made 54.5% of online payments in the ECB's 2024 survey and e-payment apps such as PayPal 21.9%, while the instant payment app Flik had about 776,000 active users in 2025. VAT is 22%. With Omno, a merchant would reach cards, Apple Pay, Google Pay, PayPal and bank payments through one API, with routing rules per method and customer group.
- [Solomon Islands](https://omno.com/coverage/solomon-islands/): Solomon Islands is cash-heavy: cash made up 80% of transactions in 2020. Visa is the only international card network issued locally, on 41% of the 96,848 cards in use in 2023, and instant bank transfers of up to SBD 5,000 began in August 2026. Imported goods pay 15% goods tax. With Omno, a merchant would reach Visa cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Somalia](https://omno.com/coverage/somalia/): Somalia runs on mobile money, mostly in US dollars. A World Bank survey found 73% of people using mobile money against 15% with a bank account, and the central bank now licenses six providers led by Hormuud's EVC Plus. A national instant payment system started in 2025, with SOMQR as the QR standard. With Omno, a merchant would reach the main wallets, bank transfers and cards through one API, with routing rules per method and customer group.
- [South Africa](https://omno.com/coverage/south-africa/): South Africa is a banked market. The World Bank's Global Findex puts account ownership at 81% of adults in 2024, and PayShap, the instant payment service launched in March 2023, had processed 777 million transactions worth R709 billion by March 2026. Foreign sellers of electronic services charge 15% VAT. With Omno, a merchant would reach cards, Instant EFT and PayShap through one API, with routing rules per method and customer group.
- [South Korea](https://omno.com/coverage/south-korea/): South Korea pays online by card and simple payment wallet. Online shopping reached KRW 272.0 trillion in 2025, most of it on mobile, and simple payments such as Naver Pay and Kakao Pay averaged KRW 1.11 trillion a day. Shoppers can withdraw from an online purchase within seven days. With Omno, a merchant would reach Naver Pay, Kakao Pay and cards through one API, with routing rules per method and customer group.
- [South Sudan](https://omno.com/coverage/south-sudan/): South Sudan's digital payments are at an early stage and run on mobile money. MTN MoMo and m-Gurush, launched in 2019 as the first service, are the main wallets, and MTN's digital and fintech revenue there was R84 million in the first half of 2026. The pound is volatile, which shapes pricing and settlement. With Omno, a merchant would reach MTN MoMo, m-Gurush and cards through one API, with routing rules per method and customer group.
- [Spain](https://omno.com/coverage/spain/): Spain pays online by card, with Bizum growing fast behind. Cards made up 51% of online payments in 2024 in the ECB's SPACE study. Bizum, the mobile payment service of Spanish banks, handled 105.6 million online purchases in 2025, up 82.1%, and has more than 32 million users. The Canary Islands, Ceuta and Melilla sit outside Spanish VAT. With Omno, a merchant would reach Bizum, wallets and cards through one API, with routing rules per method and customer group.
- [Sri Lanka](https://omno.com/coverage/sri-lanka/): Sri Lanka pays online mostly by card. Card e-commerce reached 152 million transactions worth Rs 461 billion in 2025, and debit cards made up 126 million of them. Real-time bank transfers and JustPay apps linked to bank accounts follow. VAT is 18%, and services supplied by non-residents through electronic platforms are chargeable. With Omno, a merchant would reach cards, bank transfers and wallet apps in LKR through one API, with routing rules per method and customer group.
- [Sudan](https://omno.com/coverage/sudan/): Sudan pays digitally through bank apps, led by the Bank of Khartoum's Bankak. A shortage of banknotes after the 2025 currency exchange pushed more people onto apps, and the central bank raised the app transfer limit to SDG 15 million in 2024. The pound fell from about 500 to 3,000 per US dollar between April 2023 and July 2025. With Omno, a merchant would reach bank app transfers, wallets and cards through providers that support them, with routing rules per method.
- [Suriname](https://omno.com/coverage/suriname/): Suriname's e-commerce is at an early stage and most retail payments are still made in cash, in Suriname dollars, US dollars and euros. Online, shoppers pay by Visa or Mastercard credit card, bank transfer and wallets such as Uni5Pay+. VAT of 10% has applied since 1 January 2023. With Omno, a merchant would reach bank transfers, wallets and cards through one API, with routing rules per method and customer group.
- [Sweden](https://omno.com/coverage/sweden/): Sweden shops online at scale: 80% of people bought something online in the past month in the Riksbank's 2025 survey. Swish and pay-later services such as Klarna are the most common online methods, and cards together made up 64% of methods used. Options without credit must be shown first at checkout. With Omno, a merchant would reach Swish, pay-later providers and cards in SEK through one API, with routing rules per method and customer group.
- [Switzerland](https://omno.com/coverage/switzerland/): Switzerland pays online with TWINT. The mobile payment app handled more than 901 million transactions in 2025, has more than 6 million users and is offered by about 86% of Swiss online shops. Cards and invoices paid from e-banking follow. Swiss law gives no general right to return online purchases. With Omno, a merchant would reach TWINT, PostFinance Pay and cards in CHF through one API, with routing rules per method and customer group.
- [Taiwan](https://omno.com/coverage/taiwan/): Taiwan pays online by card first. Cards carried 42% of online transactions in 2024, often in interest-free instalments, and mobile wallets such as LINE Pay and JKOPAY come next. Cash on delivery and convenience-store payment codes are still common. Shoppers can return distance purchases within 7 days. With Omno, a merchant would reach cards, LINE Pay, JKOPAY, Apple Pay and ATM transfers through one API, with routing rules per method and customer group.
- [Tajikistan](https://omno.com/coverage/tajikistan/): Tajikistan pays online with domestic cards and bank wallets. The National Bank counted 12.4 million bank cards in June 2026, most of them on the national Korti Milli scheme, and 19.8 million e-wallets. Korti Milli cards work only inside the country, and foreign sellers of electronic services pay VAT. With Omno, a merchant would reach Korti Milli, international cards and local wallets through one API, with routing rules per method and currency.
- [Tanzania](https://omno.com/coverage/tanzania/): Tanzania pays online with mobile money. The regulator TCRA counted 87.05 million active mobile money subscriptions in June 2026, led by M-Pesa with 40.6%, Mixx by Yas with 32.0% and Airtel Money with 16.4%. Foreign sellers of electronic services register for 18% VAT. With Omno, a merchant would reach the three main wallets and cards through one API, with routing rules per method and a status check for every pending payment.
- [Thailand](https://omno.com/coverage/thailand/): Thailand pays online from bank apps. In a 2026 Xendit and Cube survey, 61% of shoppers paid at least half their online purchases by account-to-account transfer, such as PromptPay QR, and Thais made 35.7 billion mobile banking transactions in 2024. VAT is 7%, and foreign e-service providers register above THB 1.8 million a year. With Omno, a merchant would reach PromptPay, e-wallets, Google Pay and cards through one API, with routing rules per method and customer group.
- [Timor-Leste](https://omno.com/coverage/timor-leste/): Timor-Leste uses the US dollar, which became its official currency in 2000, so cards and transfers settle in USD. Online payment is still early: 40.4% of people used the internet in late 2025. Mobile wallets such as Mosan and a national QR code, TUQR, are spreading cashless payment, and Telemor and BNCTL target 60% digital payment adoption by 2029. With Omno, a merchant would reach cards, Google Pay and local wallets through one API, with routing rules per method and customer group.
- [Togo](https://omno.com/coverage/togo/): Togo is one of the fastest growing mobile money markets in the UEMOA. The BCEAO counted 12.55 million electronic money accounts at the end of 2024, up 51% in a year, and nearly half were active. The main wallets are Mixx by Yas and Moov Africa's Flooz. Since 2026, non-resident digital sellers charge 18% VAT. With Omno, a merchant would reach Mixx by Yas, Flooz and cards through one API, with routing rules per method and customer group.
- [Tonga](https://omno.com/coverage/tonga/): Tonga is a small online market where banks issue Visa debit cards that work online. In the central bank's 2016 survey, 41% of adults were banked, 10% used mobile money and 70% received remittances; 67.4% of people used the internet in 2024. Consumption tax is 15%. With Omno, a merchant would reach cards, Google Pay and mobile money in TOP through one API, with routing rules per method and customer group.
- [Trinidad and Tobago](https://omno.com/coverage/trinidad-and-tobago/): Trinidad and Tobago pays by card: debit and credit cards made up 80.8% of retail payments by number in 2024, and co-branded Visa/LINX debit cards can pay online when the bank enables it. Bank transfers over the ACH are growing. US dollars are tight, and card transaction limits have been scaled back. VAT is 12.5%. With Omno, a merchant would reach cards, Google Pay and bank transfers through one API, with routing rules per method and customer group.
- [Tunisia](https://omno.com/coverage/tunisia/): Tunisia is a domestic, cash-heavy market. More than 80% of online orders are still paid on delivery, but the Central Bank counted 19.3 million online payments worth TND 1,375 million in 2025, up 31% in value. Tunisian cards pay only in dinars, and shoppers can withdraw from an online purchase within 10 working days. With Omno, a merchant would reach Tunisian cards, e-Dinar and international cards through one API, with routing rules per method and customer group.
- [Turkey](https://omno.com/coverage/turkey/): Turkey is a card market built on instalments. Credit cards carry most online spending, and 57.8% of e-commerce card purchases in 2025 were split into taksit instalments, according to Garanti BBVA's analysis of BKM data. The banking regulator caps instalments by category, and shoppers have 14 days to return distance purchases. Omno routes TRY card payments across acquirers through one API.
- [Turkmenistan](https://omno.com/coverage/turkmenistan/): Turkmenistan pays online with the national Altyn Asyr card. Card payments through e-commerce reached 2.2 billion manat in January to July 2026, up 47.5%, and Halkbank handled most of them. Visa, Mastercard and PayPal have limited use, the manat is not freely convertible, and VAT is 15%. Apple Pay and Google Pay are not available. With Omno, a merchant would reach Altyn Asyr and international cards in TMT through one API, with routing rules per method and customer group.
- [Uganda](https://omno.com/coverage/uganda/): Uganda pays with mobile money. The communications regulator counted 58.7 million registered mobile money accounts in early 2026, 36.7 million of them active, and MTN MoMo alone handled UGX 195.5 trillion in 2025. Foreign sellers of electronic services to consumers charge 18% VAT, and online shoppers can cancel within seven days. With Omno, a merchant would reach MTN MoMo, Airtel Money and cards through one API, with routing rules per method and customer group.
- [Ukraine](https://omno.com/coverage/ukraine/): Ukraine pays online by card. Cards issued in Ukraine made 4,707.6 million cashless transactions in the first half of 2026, and online purchases were 16.6% of their value. A third of active cards are tokenised for phone wallets. Foreign sellers of digital services to consumers charge 20% VAT. With Omno, a merchant would reach Visa, Mastercard and PROSTIR cards and phone wallets in UAH through one API, with routing rules per method and customer group.
- [United Arab Emirates](https://omno.com/coverage/united-arab-emirates/): The United Arab Emirates is a card and wallet market. Visa and Mastercard cards, often inside Apple Pay, carry most online spending, and buy now, pay later through Tabby is common at checkout in an e-commerce market worth about AED 42.2 billion in 2025. Foreign sellers also need to plan for VAT from the first sale, Arabic consumer documents and licensed payment providers. Omno routes AED card, wallet and BNPL payments and payouts through one API.
- [United Kingdom](https://omno.com/coverage/united-kingdom/): The UK shops online with cards. ONS put the online share of retail sales at 28.8% in September 2026, and UK Finance counted 26.6 billion debit card payments in 2025. Mobile wallets and pay by bank are growing. Card surcharges for consumers are banned. With Omno, a merchant would reach cards, Apple Pay, Google Pay and pay by bank through one API, with routing rules per method and customer group.
- [United States](https://omno.com/coverage/united-states/): The US pays online by card. Census Bureau figures put e-commerce at 17.1% of retail sales in the second quarter of 2026, and cards make up over three quarters of noncash payments by number. 16% of adults used buy now, pay later in 2025. Sales tax depends on each state's rules. With Omno, a merchant would reach cards, Apple Pay, Google Pay and ACH through one API, with routing rules per method and customer group.
- [Uruguay](https://omno.com/coverage/uruguay/): Uruguay is a small, fast-growing card market. Online sales reached about UYU 31.3 billion in the first quarter of 2026, up 35% on a year earlier, and credit cards paid for 68% of that spending, according to CEDU and Exante. Debit, Mercado Pago and cash vouchers at Abitab and Redpagos cover the rest. With Omno, a merchant would reach these methods through one API, with routing rules per method and currency.
- [Uzbekistan](https://omno.com/coverage/uzbekistan/): Uzbekistan pays through its two domestic card schemes, Humo and Uzcard, usually inside wallet apps such as Payme and Click. More than 68 million bank cards were in circulation at the start of 2026, in a country of 38.2 million people. Foreign sellers of electronic services pay 12% VAT, and a March 2026 reform narrowed the data localisation rule. Omno routes UZS pay-ins and pay-outs across these local rails through one API.
- [Vanuatu](https://omno.com/coverage/vanuatu/): Vanuatu still runs on cash: 94% of people in the central bank's 2024 survey preferred it. About 43% held a local debit card, but only 7% had an international one, and 13% of account holders used internet banking. VAT is 15%. With Omno, a merchant would reach debit cards, Google Pay and bank transfers in VUV through one API, with routing rules per method and customer group.
- [Venezuela](https://omno.com/coverage/venezuela/): Venezuela pays mostly in bolívars by debit card and Pago Móvil, the interbank mobile payment service, while about a quarter of payments are made in foreign currency. Payments in foreign currency through the banking system carry a 3% financial transactions tax, and US sanctions programmes apply. With Omno, a merchant would reach Pago Móvil, bolívar cards and international cards through one API, with routing rules per method and customer group.
- [Vietnam](https://omno.com/coverage/vietnam/): Vietnam is moving online payments onto bank apps. The State Bank of Vietnam reports that 88.96% of adults held a transaction account at the end of 2025, and VietQR transfers grew fastest in 2025, with transaction value up 151%. Foreign digital suppliers now owe 10% VAT. With Omno, a merchant would reach VietQR transfers, MoMo and other e-wallets, Apple Pay, Google Pay and cards through one API, with routing rules per method and customer group.
- [Yemen](https://omno.com/coverage/yemen/): Yemen has very low card and account use: 11.9% of adults had an account and 4.2% a debit card in 2022. Mobile wallets such as ONE Cash and Jawali let people pay without a bank account. Two central bank authorities, in Aden and Sana'a, run different exchange rates, which shapes pricing. With Omno, a merchant would reach mobile wallets and cards through one API, with routing rules per method and customer group.
- [Zambia](https://omno.com/coverage/zambia/): Zambia pays with mobile money. Bank of Zambia figures show 17 million active wallets and 4.9 billion transactions worth ZMW 891.6 billion in 2025, and 76.2% of adults use mobile money. A banded levy has applied to mobile money transactions since January 2025, and VAT is 16%. With Omno, a merchant would reach MTN MoMo, Airtel Money and cards through one API, with routing rules per method and customer group.
- [Zimbabwe](https://omno.com/coverage/zimbabwe/): Zimbabwe pays by phone. Mobile channels carried 89.1% of transactions through the national payment systems in the second quarter of 2026, and EcoCash leads the wallets. Most money is held in US dollars next to the ZiG. Online buyers can cancel within seven days. With Omno, a merchant would reach EcoCash, other wallets and cards in USD and ZiG through one API, with routing rules per method and currency.

## Payment methods
- [Abitab](https://omno.com/payment-methods/abitab/): Abitab is one of Uruguay's largest networks of payment and collection branches, with more than 500 branches across the country according to Citi Uruguay. At checkout the shopper gets a voucher and pays it in cash at an Abitab branch, and the provider confirms the payment to the merchant. With Omno, a merchant would offer Abitab in UYU through the same API as cards.
- [Airtel Money](https://omno.com/payment-methods/airtel-money/): Airtel Money is Airtel Africa's mobile money service, with 54.1 million customers in 14 African countries in the year to March 2026. In Tanzania it had 14.31 million active subscriptions in June 2026, third in the market according to the regulator TCRA. Customers approve online payments on their phone with their PIN. With Omno, a merchant would reach Airtel Money pay-ins and payouts through one API.
- [Alipay](https://omno.com/payment-methods/alipay/): Alipay is China's digital wallet, founded in 2004. To pay online the shopper is redirected to the Alipay app or website and confirms there, or scans a QR code, paying in CNY. Through Alipay+, the same gateway also reaches partner wallets such as AlipayHK, GCash, Touch 'n Go eWallet, TrueMoney, Kakao Pay and DANA. With Omno, a merchant would offer Alipay in the hosted checkout through a connected provider with access to Alipay's cross-border service.
- [Apple Pay](https://omno.com/payment-methods/apple-pay/): Apple Pay is Apple's wallet for paying with a card stored on an iPhone, iPad, Mac or Apple Watch. Online, the shopper confirms with Face ID, Touch ID or the passcode, and the merchant's provider receives a device token and a one-time security code instead of the card number. The payment then runs as an ordinary card payment. With Omno, a merchant would show Apple Pay in the hosted checkout next to cards and local methods, routed to a provider that supports it.
- [Bancontact](https://omno.com/payment-methods/bancontact/): Bancontact is Belgium's debit card scheme, with nearly 18 million cards in circulation and a mobile app, Bancontact Pay, used by 2 million people. Online, shoppers pay by entering their Bancontact card details or by approving the payment in the Bancontact Pay app or their banking app, often after scanning a QR code. Payments are confirmed immediately and cannot be charged back through the bank. With Omno, a merchant would offer Bancontact in the hosted checkout through a connected provider that supports it.
- [BENEFIT](https://omno.com/payment-methods/benefit/): BENEFIT is Bahrain's national payment network, run by The Benefit Company, and its payment gateway is how online shops accept the debit cards issued by Bahraini banks. Juspay estimates that 70% of cards issued in Bahrain are BENEFIT-branded debit cards. The shopper pays on a BENEFIT-hosted page in Bahraini dinars. With Omno, a merchant would reach BENEFIT through one API, with routing rules per method and currency.
- [BenefitPay](https://omno.com/payment-methods/benefitpay/): BenefitPay is Bahrain's national e-wallet, launched by The Benefit Company in 2017. Residents use it for instant transfers, bill payments and QR payments to merchants, and it handled 246 million transactions in the first half of 2026. Online, the shopper pays by scanning a QR code or confirming in the app, in Bahraini dinars. With Omno, a merchant would offer BenefitPay next to BENEFIT and cards through one API.
- [Bizum](https://omno.com/payment-methods/bizum/): Bizum is Spain's mobile payment service, built into the apps of Spanish banks. To pay online, the shopper chooses Pay with Bizum, enters their phone number and approves the payment in their banking app; the money moves from their bank account by instant transfer. Bizum handled 105.6 million online purchases in 2025 and says it is Spain's second most used online payment method. With Omno, a merchant would offer Bizum in the hosted checkout through a connected provider that supports it.
- [BLIK](https://omno.com/payment-methods/blik/): BLIK is Poland's mobile payment system, built into the banking apps of Polish banks. To pay online, the shopper types a six-digit code from their banking app at checkout and approves the payment on their phone. BLIK handled 2.9 billion transactions worth PLN 441.5 billion in 2025, nearly half of them e-commerce. With Omno, a merchant would reach BLIK pay-ins in PLN through one API.
- [Boleto Bancário](https://omno.com/payment-methods/boleto/): Boleto Bancário is a Brazilian payment slip regulated by the Central Bank of Brazil. The shopper receives a registered voucher with a barcode and pays it at a bank, an ATM, an authorised agent or in a banking app before it expires. Confirmation is asynchronous, usually by the next business day. With Omno, a merchant would offer boleto pay-ins in BRL through the same API as Pix and cards.
- [Cartes Bancaires](https://omno.com/payment-methods/cartes-bancaires/): Cartes Bancaires (CB) is France's domestic card scheme, run by the GIE Cartes Bancaires since 1984, with 77 million cards in circulation. More than 95% of CB cards are co-badged with Visa or Mastercard, so the same card can be processed over CB or the international network, and EU rules let the shopper override the merchant's choice. With Omno, a merchant would route CB cards to a connected provider that processes CB, with network choice in the hosted checkout.
- [Click](https://omno.com/payment-methods/click/): Click is an Uzbek payment app that lets people pay with linked Uzcard, Humo or other cards, or a Click-Wallet balance. It works through the Click SuperApp, a Telegram bot, a web cabinet and USSD. Merchants accept it online through Click Business and receive UZS. With Omno, a merchant would offer Click in Uzbekistan next to Payme and direct Uzcard and Humo card payments.
- [CliQ](https://omno.com/payment-methods/cliq/): CliQ is Jordan's instant payment system, launched in 2020 by the Jordan Payments and Clearing Company (JoPACC) under the supervision of the Central Bank of Jordan. It moves Jordanian dinars between bank accounts and mobile wallets in seconds, 24/7, using an alias, a mobile number or an IBAN. In 2025 it carried 167.92 million transactions worth JOD 19.97 billion for 2.13 million registered users.
- [Crypto](https://omno.com/payment-methods/crypto/): Crypto checkout lets a shopper pay from their own crypto wallet. The common options are the US dollar stablecoins USDT and USDC and Bitcoin. A crypto payment provider prices the order, shows an address or QR code, watches the blockchain and settles the merchant in the currency they agreed. Through Omno, a merchant would offer crypto in the same hosted checkout as cards and wallets, or through Direct Links, via connected crypto providers.
- [DeUna](https://omno.com/payment-methods/deuna/): DeUna is a QR payment wallet backed by Banco Pichincha, which calls it the largest digital payment and collection ecosystem in Ecuador. More than 1.9 million of the bank's clients made and received instant payments with DeUna QR codes in 2025, and the network counted 380,000 affiliated businesses in 2024. Online, the shopper confirms a numeric code or a dynamic QR code in the DeUna app, and payments are in US dollars. With Omno, a merchant would reach DeUna through the same API as cards.
- [DinaCard](https://omno.com/payment-methods/dinacard/): DinaCard is Serbia's national card scheme, run by the National Bank of Serbia and issued by Serbian banks. DinaCard holders can pay online at domestic merchants that accept the card, and co-badged DinaCard cards also work on the Discover, Pulse and Diners Club International networks. Interchange is capped at 0.2% for debit and 0.3% for credit. With Omno, a merchant would route DinaCard payments in RSD to acquirers that accept the scheme.
- [eFAWATEERcom](https://omno.com/payment-methods/efawateercom/): eFAWATEERcom is Jordan's national electronic bill presentment and payment system. It is owned by JoPACC, operated by MadfoatCom and supervised by the Central Bank of Jordan. Customers pay a biller's reference from a banking app, a mobile wallet, a card on the eFAWATEERcom website or in cash at an agent. In 2025 it processed 75.43 million payments worth JOD 15.99 billion.
- [Elcart](https://omno.com/payment-methods/elcart/): Elcart is Kyrgyzstan's national card payment system, run by the Interbank Processing Centre (IPC), which the National Bank and 11 commercial banks set up in 2004. Elcart cards are issued by 21 Kyrgyz banks, and 2.57 million were in circulation at the end of 2025. Online payments are confirmed with 3-D Secure and settle in soms. With Omno, a merchant would reach Elcart through the same API as Visa and QR payments.
- [Fawry](https://omno.com/payment-methods/fawry/): Fawry is an Egyptian e-payment network, and its Pay at Fawry method works like a cash voucher. The shopper receives a reference number at checkout and pays it in cash at a Fawry point or in the myFawry app before it expires. The merchant is notified when it is paid. With Omno, a merchant would offer Fawry pay-ins in EGP through one API and the hosted checkout.
- [FPX](https://omno.com/payment-methods/fpx/): FPX (Financial Process Exchange) is Malaysia's online banking payment, run by Payments Network Malaysia (PayNet). The shopper picks their bank at checkout, signs in to online banking and approves the payment. FPX handled 956.1 million transactions worth RM 465.4 billion in 2025, and PayNet is moving shoppers to its successor, DuitNow Online Banking/Wallets. With Omno, a merchant would offer FPX in the hosted checkout through a connected provider that supports it.
- [GCash](https://omno.com/payment-methods/gcash/): GCash is the Philippines' largest e-wallet, run by G-Xchange, Inc. under the regulation of the Bangko Sentral ng Pilipinas. Shoppers pay online by approving the payment in the GCash app, in PHP, up to PHP 100,000 a payment at the main gateways. GCash had 40.4 million monthly active users in March 2026. With Omno, a merchant would offer GCash in the hosted checkout through a connected provider that supports it.
- [Google Pay](https://omno.com/payment-methods/google-pay/): Google Pay lets shoppers pay online with a card saved to their Google Account or stored as a token on an Android phone. The merchant's payment provider receives either an Android device token with a 3-D Secure cryptogram or the card number from the Google Account, encrypted for that provider, and processes it as a card payment. With Omno, a merchant would show Google Pay in the hosted checkout next to cards and local methods, routed to a provider that supports it.
- [Humo](https://omno.com/payment-methods/humo/): Humo is one of Uzbekistan's two domestic card schemes, run by the National Interbank Processing Centre and issued by local banks as UZS cards. Online, a Humo payment is confirmed with a one-time code sent to the cardholder's phone. With Omno, a merchant would accept Humo card pay-ins and send card pay-outs in UZS through local providers, next to Uzcard, Payme and Click.
- [iDEAL](https://omno.com/payment-methods/ideal/): iDEAL is the Dutch online payment method that lets shoppers pay straight from their own bank account, approving each payment in their banking app. Currence reports that it covers 73% of online purchases in the Netherlands. It is now moving into Wero, the European wallet run by EPI, and checkouts already show it as iDEAL | Wero. With Omno, a merchant would offer iDEAL in the hosted checkout and route it to a connected provider that supports it.
- [Idram](https://omno.com/payment-methods/idram/): Idram is an Armenian digital wallet, used through the joint Idram and IDBank app. Customers attach bank cards, keep a wallet balance and pay by QR code in shops or online. Idram reported more than 1.5 million registered users at the end of 2022, and its QR codes were accepted at more than 22,000 points of sale by 2024. With Omno, a merchant would offer Idram as an AMD pay-in through one API.
- [Interac](https://omno.com/payment-methods/interac/): Interac is Canada's own debit network, with nearly 300 financial institutions connected. Online, Canadians pay with Interac Debit by adding their debit card to Apple Pay or Google Pay, and Interac is rolling out Interac Direct for paying straight from a bank account. Interac e-Transfer handles transfers and business payment requests. With Omno, a merchant would accept Interac Debit in wallets through a connected provider that supports it, routed by the merchant's rules.
- [IPS NBS (IPS Skeniraj)](https://omno.com/payment-methods/ips-serbia/): IPS NBS is Serbia's instant payment system, run by the National Bank of Serbia since 22 October 2018. Payments move between banks in seconds, every day of the year, up to RSD 300,000 each. At online stores it works as IPS Skeniraj: the shopper scans a QR code or taps PAY to open their m-banking app, then confirms. With Omno, a merchant would reach IPS pay-ins in RSD through one API.
- [Kaspi.kz (Kaspi Pay)](https://omno.com/payment-methods/kaspi/): Kaspi.kz is a Kazakh super app that combines payments, shopping, banking and government services, and Kaspi Pay is how merchants accept payments from it. The shopper scans a QR code or is sent to the Kaspi.kz app and confirms the payment there. Kaspi counted 14.8 million payments active consumers in the 12 months to June 2026. With Omno, a merchant would reach Kaspi pay-ins in KZT through the same API as cards.
- [Keepz (QR and pay by bank)](https://omno.com/payment-methods/keepz/): Keepz is a Georgian fintech that lets people pay by scanning a QR code or opening a payment link, with no app download or registration. The payer chooses a bank card, Apple Pay, Google Pay or a direct payment from their bank account. Keepz was the first fintech in Georgia to receive an open banking licence. It is a newer, smaller option next to the cards most Georgians use, and Omno can offer it as a GEL pay-in method through the same API.
- [Klarna](https://omno.com/payment-methods/klarna/): Klarna is a buy now, pay later provider with 120 million active consumers and more than 1.2 million merchants in the second quarter of 2026. At checkout the shopper is redirected to Klarna and can pay in full, pay in 30 days, split the cost into three or four payments, or take longer financing where offered. The merchant is paid upfront and Klarna collects from the shopper. With Omno, a merchant would offer Klarna in the hosted checkout through a connected provider that supports it.
- [KNET](https://omno.com/payment-methods/knet/): KNET, the Shared Electronic Banking Services Company, is Kuwait's national debit network and payment gateway, set up in 1992 in partnership with local banks. Every debit card issued in Kuwait carries the KNET brand, and online the shopper pays on a KNET-hosted page in Kuwaiti dinars. With Omno, a merchant would reach KNET through one API, with routing rules per method and currency.
- [Korti Milli](https://omno.com/payment-methods/korti-milli/): Korti Milli is Tajikistan's national payment system and the country's largest card scheme. Its cards are issued by Tajik banks, used for shopping, transfers and money sent from abroad, and work inside Tajikistan only. On 30 June 2025 Korti Milli cards made up 51.6% of the cards in circulation. With Omno, a merchant would reach Korti Milli card pay-ins and card pay-outs through one API, routed to providers with local acquiring.
- [M-PESA](https://omno.com/payment-methods/m-pesa/): M-PESA is Safaricom's mobile money service in Kenya, with 40.99 million one-month active customers in the year to March 2026 and KES 41.68 trillion processed. Separate M-Pesa services run in Tanzania and Ethiopia. Merchants collect through STK Push, Paybill and Till numbers and pay out through B2C. With Omno, a merchant would reach M-PESA through one API, with routing rules per method and customer group.
- [m10](https://omno.com/payment-methods/m10/): m10 is a digital wallet in Azerbaijan, run by PashaPay as part of the Bir ecosystem alongside Birbank. Bir reports 4.5 million registered m10 users and 255 million transactions in 2025, and the wallet is accepted by QR at more than 20,000 points of sale. With Omno, a merchant would reach m10 pay-ins in AZN through one API.
- [mada](https://omno.com/payment-methods/mada/): mada is Saudi Arabia's national payment network, run by Saudi Payments, a wholly owned subsidiary of the Saudi Central Bank (SAMA), and the debit brand issued by Saudi banks. It connects POS terminals, ATMs and e-commerce sites to card issuers, and online payments are authenticated with 3-D Secure. With Omno, a merchant selling into Saudi Arabia would reach mada card pay-ins in SAR through one API.
- [Mastercard](https://omno.com/payment-methods/mastercard/): Mastercard is a global card network that connects the banks that issue cards with the acquirers that serve merchants. Its customers had issued 3.7 billion Mastercard and Maestro-branded cards by the end of 2025, and the network handled USD 10.6 trillion in gross dollar volume that year. Through Omno, a merchant would offer Mastercard in the hosted checkout or with Card Fields on its own checkout, routed to connected acquirers by rules it sets.
- [MB WAY](https://omno.com/payment-methods/mb-way/): MB WAY is the Portuguese mobile payment app run by SIBS, the company behind the Multibanco network. To pay online, the shopper enters their phone number at checkout and approves a push notification in the MB WAY app, without sharing card or bank details with the shop. It had 6.8 million users at the end of 2025 and passed 1,000 million transactions that year. With Omno, a merchant would offer MB WAY in the hosted checkout through a connected provider that supports it.
- [Mercado Pago](https://omno.com/payment-methods/mercado-pago/): Mercado Pago is the wallet and payments arm of MercadoLibre, which describes itself as Latin America's leading e-commerce and fintech company. Its checkout accepts account money, cards, Cuotas sin Tarjeta instalments and Rapipago or Pago Fácil cash slips, and MercadoLibre reported 88 million fintech monthly active users across Latin America in mid 2026. With Omno, a merchant would reach Mercado Pago next to cards and transfers through one API.
- [MIA Plăți Instant](https://omno.com/payment-methods/mia/): MIA Plăți Instant is Moldova's instant payment system, launched by the National Bank of Moldova on 12 March 2024. It runs 24 hours a day and moves money between banks and payment institutions in at most 10 seconds, by phone number, request to pay or QR code. By September 2026 it had more than 1 million users, and by July 2026 more than 11,000 merchants. With Omno, a merchant would reach MIA pay-ins in MDL through one API.
- [Mixx by Yas](https://omno.com/payment-methods/mixx-by-yas/): Mixx by Yas is Tanzania's second-largest mobile money service, the former Tigo Pesa, renamed when Tigo Tanzania became Yas in November 2024. TCRA counted 27.85 million active Mixx by Yas subscriptions in June 2026, 32.0% of the market. Customers approve payments on their phone with a PIN. With Omno, a merchant would reach Mixx by Yas pay-ins and payouts through one API, with routing rules per method and network.
- [Moroccan bank cards (CMI)](https://omno.com/payment-methods/cmi/): Moroccan bank cards are mostly Visa and Mastercard cards issued by local banks. Bank Al-Maghrib counted 44.8 million e-commerce card payments worth MAD 12.1 billion in 2025, up 16% in number. CMI, the interbank card centre, ran almost all card acquiring until 2026 and now processes payments for the new bank-owned acquirers. With Omno, a merchant would reach these cards through one API, with routing rules per acquirer.
- [MTN Mobile Money (MoMo)](https://omno.com/payment-methods/mtn-momo/): MTN Mobile Money (MoMo) is the mobile money service of MTN, the African mobile operator, used in Ghana, Uganda, Cameroon, Côte d'Ivoire, Rwanda, Zambia and Nigeria. MTN counted 70.8 million monthly active MoMo users across its markets in June 2026. Customers approve each payment on their phone with a PIN. With Omno, a merchant would reach MoMo pay-ins and payouts through one API, with routing rules per method, country and currency.
- [NAPS (QPay)](https://omno.com/payment-methods/naps/): NAPS is Qatar's national debit network, launched by the Qatar Central Bank in 1996, and QPay is the central bank's e-commerce gateway for the debit and prepaid cards it carries, including the national Himyan card. Online, the shopper pays on the QPay page in Qatari riyals and confirms with a one-time password and PIN. With Omno, a merchant would reach QPay through one API, with routing rules per method and card type.
- [Nequi](https://omno.com/payment-methods/nequi/): Nequi is a Colombian digital wallet created by Bancolombia. Users hold COP in an account tied to their mobile number and pay merchants by approving a push notification or scanning a QR code in the app. Grupo Cibest counted 28.8 million Nequi accounts in June 2026, 23.5 million of them active. With Omno, a merchant would reach Nequi pay-ins and payouts in COP through one API.
- [OPay](https://omno.com/payment-methods/opay/): OPay is a Nigerian mobile money app. Users hold NGN in an account run by OPay Digital Services, licensed by the Central Bank of Nigeria as a mobile money operator, and pay merchants by scanning a QR code or approving the payment in the app. OPay counted 50.1 million monthly active users across its markets in July 2026, most of them in Nigeria. With Omno, a merchant would reach OPay pay-ins and payouts in NGN through one API.
- [Orange Money](https://omno.com/payment-methods/orange-money/): Orange Money is the mobile money service of the Orange group. Orange reported 47 million active Orange Money customers across its Africa and Middle East markets at the end of 2025, up 18.3% in a year. Online, the customer pays with a one-time code generated on their phone. With Omno, a merchant would reach Orange Money pay-ins and payouts in Côte d'Ivoire, Senegal and Cameroon through one API.
- [OXXO Pay](https://omno.com/payment-methods/oxxo-pay/): OXXO Pay is a cash voucher method in Mexico: the shopper gets a reference number at checkout and pays it at the till of any OXXO convenience store before it expires. FEMSA counted 24,708 OXXO stores in Mexico at the end of June 2026. The merchant is notified once the shop records the payment. With Omno, a merchant would offer OXXO pay-ins in MXN to customers who prefer or need to pay in cash.
- [Ozow](https://omno.com/payment-methods/ozow/): Ozow is a South African pay-by-bank gateway, often called Instant EFT: the shopper picks their bank at checkout, approves the payment in online banking or the banking app, and the merchant is notified of the result. Ozow says it links businesses with 47 million bank account holders and has more than 6 million registered users, and it also offers refunds and bank payouts. With Omno, a merchant would reach Ozow pay-ins and payouts in ZAR through one API, with routing rules per method.
- [PagoEfectivo](https://omno.com/payment-methods/pagoefectivo/): PagoEfectivo is a payment code method founded in Lima in 2009 and owned by Paysafe since 2021. The shopper gets a CIP code at checkout and pays it from a digital wallet, in online or mobile banking, or in cash at a bank agent or shop. It runs in Peru, Ecuador and Argentina and serves shoppers who do not pay online with a card. With Omno, a merchant would reach PagoEfectivo pay-ins through one API.
- [Payme](https://omno.com/payment-methods/payme/): Payme is a payment app in Uzbekistan owned by TBC Bank Group. Shoppers link their Uzcard or Humo cards and pay merchants online, in the app, through Telegram bots or in shops, confirming each payment with a code. Merchants receive funds in UZS through Payme Business. With Omno, a merchant would reach Payme pay-ins in UZS next to Uzcard, Humo and Click through one API.
- [PayNow](https://omno.com/payment-methods/paynow/): PayNow is Singapore's instant payment service, launched by the banks in July 2017. People and businesses link an account to a mobile number, NRIC or company UEN, and online shoppers pay by scanning a PayNow QR code in their banking or e-wallet app. It is free for consumers, runs around the clock and settles in SGD. With Omno, a merchant would offer PayNow in the hosted checkout through a connected provider that supports it.
- [PayPal](https://omno.com/payment-methods/paypal/): PayPal is a digital wallet with 439 million active accounts at the end of June 2026. At checkout the shopper is sent to PayPal, logs in and approves the payment, funded from a PayPal balance, a linked card or bank account, or a pay later option. The merchant never sees the card details. With Omno, a merchant would show PayPal in the hosted checkout next to cards and local methods, routed to a connected provider that supports it.
- [PayPay](https://omno.com/payment-methods/paypay/): PayPay is a Japanese QR and barcode payment wallet with 75 million registered users in August 2026, more than one in two people in Japan. Online, the shopper chooses PayPay at checkout, the PayPay app opens or a QR code appears, and they approve the payment from their PayPay balance, points or PayPay Credit. With Omno, a merchant would offer PayPay in the hosted checkout through a connected provider that supports it, with payments in JPY.
- [PayShap](https://omno.com/payment-methods/payshap/): PayShap is South Africa's instant payment service, launched on 13 March 2023. Payments clear in real time between banks, 24 hours a day, using an account number or a ShapID alias such as a cellphone number, up to R50,000 a payment. By March 2026 it had processed 777 million payments worth R709 billion across 14 banks. With Omno, a merchant would reach PayShap Request pay-ins and PayShap payouts through one API, with routing rules per method.
- [PIX](https://omno.com/payment-methods/pix/): PIX is Brazil's instant payment system, run by the Central Bank. Payments settle in seconds, 24 hours a day, from any bank or wallet account, using a key such as a CPF, phone number or email, or a QR code. PIX handled nearly 80 billion transactions worth more than R$35 trillion in 2025. With Omno, a merchant would reach PIX pay-ins and pay-outs in BRL through one API and more than one provider.
- [PromptPay](https://omno.com/payment-methods/promptpay/): PromptPay is Thailand's national real-time payment system, launched in 2016. People link a bank account to their phone number or citizen ID, and online shoppers pay by scanning a PromptPay QR code with their banking app. It had 82.91 million registrations at the end of May 2026 and handled 2.38 billion transactions that month. With Omno, a merchant would offer PromptPay in the hosted checkout through a connected provider that supports it.
- [Przelewy24](https://omno.com/payment-methods/przelewy24/): Przelewy24 is a Polish payment aggregator run by PayPro SA, majority owned by Nets since 2019 and now part of the Nexi group. Its payment page offers 13 methods, including pay-by-link bank transfers, BLIK and cards, in PLN and EUR. The shopper picks a bank, signs in and approves a transfer with the details already filled in. With Omno, a merchant would reach Przelewy24 pay-ins through one API.
- [PSE](https://omno.com/payment-methods/pse/): PSE (Pagos Seguros en Línea) is Colombia's online bank debit system, run by ACH Colombia since 2005. The shopper picks their bank at checkout, logs into online banking and approves a debit from a savings, checking or electronic deposit account. PSE processed more than 487 million transactions in the first half of 2026. With Omno, a merchant would reach PSE pay-ins in COP through one API.
- [QPay](https://omno.com/payment-methods/qpay/): QPay is Mongolia's QR payment network. It says it connects all Mongolian commercial banks and e-wallets in one place, so a shopper can pay a merchant's QR code or invoice from whichever bank app they use. In April 2024 it counted 12 partner bank apps, 7 e-wallets and more than 200,000 stores. With Omno, a merchant would reach QPay through the same API as cards and SocialPay.
- [QRIS](https://omno.com/payment-methods/qris/): QRIS (Quick Response Code Indonesian Standard) is Bank Indonesia's national QR code. One code can be paid from any QRIS-enabled banking or e-wallet app, such as GoPay, OVO, DANA or ShopeePay, up to IDR 10 million a payment. Bank Indonesia counted 70.6 million QRIS users and 49.4 million merchants in the third quarter of 2026. With Omno, a merchant would offer QRIS in the hosted checkout through a connected provider that supports it.
- [Redpagos](https://omno.com/payment-methods/redpagos/): Redpagos is one of Uruguay's two national networks of payment and collection branches. At checkout the shopper gets a voucher and pays it in cash at any Redpagos branch, and the merchant is notified when the money is collected. Its manager told Forbes Argentina in 2025 that the network has 490 branches. With Omno, a merchant would offer Redpagos in UYU through the same API as cards.
- [RoPay](https://omno.com/payment-methods/ropay/): RoPay is Romania's national scheme for instant account-to-account payments by phone, run under rules set by the Romanian Association of Banks and TRANSFOND. Shoppers pay online from their banking app, by phone number, bank choice or QR code, up to RON 100,000 a payment, and the money settles within 10 seconds. With Omno, a merchant would reach RoPay pay-ins in RON through one API.
- [Satispay](https://omno.com/payment-methods/satispay/): Satispay is an Italian mobile payment app, run by a Luxembourg-licensed e-money institution, that lets shoppers pay in shops and online from a balance linked to their bank account. Online, the shopper scans a QR code or enters their phone number and approves the payment in the app, with no card details or 3-D Secure codes. Satispay reports 6.5 million users and more than 450,000 merchants. With Omno, a merchant would offer Satispay in the hosted checkout through a connected provider that supports it.
- [SINPE Móvil](https://omno.com/payment-methods/sinpe-movil/): SINPE Móvil is Costa Rica's instant transfer to a phone number, part of the Central Bank of Costa Rica's national electronic payment system. Shoppers pay online by sending a transfer in colones from their banking app. There were 4.8 million active SINPE Móvil subscriptions in May 2026, and payments topped ₡12.5 trillion in 2025. With Omno, a merchant would offer SINPE Móvil in the hosted checkout through a connected provider that supports it.
- [SocialPay](https://omno.com/payment-methods/socialpay/): SocialPay is Golomt Bank's digital wallet app, launched in 2017 and rebuilt as version 3.0 in 2023. Users pay in shops by phone number or QR code, send free transfers that arrive within 10 seconds, pay QPay codes and get a virtual card for online purchases. People who are not Golomt clients can register online. With Omno, a merchant would reach SocialPay through the same API as QPay and cards.
- [SPEI](https://omno.com/payment-methods/spei/): SPEI is Mexico's interbank electronic payment system, operated by Banco de México since 2004. It settles transfers between bank accounts in real time, 24 hours a day, using the 18-digit CLABE account number, and carried more than 7.3 billion transfers in 2025. Merchants use it for pay-ins by bank transfer and for pay-outs to any Mexican account. With Omno, a merchant would reach SPEI in MXN through one API.
- [STC Pay (STC Bank)](https://omno.com/payment-methods/stc-pay/): STC Pay is a Saudi mobile wallet, now part of STC Bank, the digital bank licensed by the Saudi Central Bank that the former stc pay company became. Shoppers pay online by entering their registered Saudi mobile number and confirming with a one-time code sent by SMS. STC Bank reported more than 8.5 million customers by mid-2026. With Omno, a merchant would reach STC Pay pay-ins in SAR through one API.
- [Swish](https://omno.com/payment-methods/swish/): Swish is Sweden's real-time mobile payment service. The shopper approves a payment in the Swish app with Swedish BankID, and the money moves straight from their bank account. It handled 1,135 million transactions in 2025, 651 million of them payments to businesses, and the Riksbank finds it is one of the two most used ways to pay online in Sweden. With Omno, a merchant would offer Swish in the hosted checkout through a connected provider that supports it.
- [Tabby](https://omno.com/payment-methods/tabby/): Tabby is a buy now, pay later provider for Saudi Arabia, the UAE and Kuwait. The shopper splits a purchase into interest-free instalments, usually four, and Tabby pays the merchant and carries the credit risk. In September 2026 it reported 25 million registered users and 70,000 business partners. With Omno, a merchant would reach Tabby pay-ins through the same API as cards.
- [telebirr](https://omno.com/payment-methods/telebirr/): telebirr is Ethio Telecom's mobile money service, launched in May 2021, with 60.6 million registered customers in the 2025/26 fiscal year. Shoppers pay online by confirming a prompt on their phone, in Ethiopian birr. Payment gateways such as Chapa connect merchants to it. With Omno, a merchant would offer telebirr in the hosted checkout through a connected provider that supports it.
- [Transferencias 3.0 (interoperable QR)](https://omno.com/payment-methods/transferencias-3-0/): Transferencias 3.0 is the Argentine central bank's scheme for paying by instant transfer, mostly by scanning a QR code. Any bank or wallet app can pay any merchant QR, funds reach the merchant within 15 seconds and cannot be reversed, and the shopper pays no fee. In August 2026 the BCRA counted 117.2 million QR transfer payments. With Omno, a merchant would reach this rail through a local acceptor, next to cards and wallets.
- [TROY](https://omno.com/payment-methods/troy/): TROY is Turkey's domestic card scheme, launched in 2016 by the Interbank Card Center (BKM) and issued by Turkish banks as credit, debit and prepaid cards. TROY cards are accepted at all domestic POS terminals and e-commerce sites, and reached 90 million cards and a 25.3% share of card spending in 2025. With Omno, a merchant would reach TROY card pay-ins in TRY through one API.
- [TWINT](https://omno.com/payment-methods/twint/): TWINT is Switzerland's mobile payment app. Shoppers link a bank account or card to it and pay online by scanning a QR code on a computer or switching to the app on their phone. It recorded more than 901 million transactions in 2025, has more than 6 million users, and is offered by about 86% of Swiss online shops. Payments are in Swiss francs. With Omno, a merchant would offer TWINT in the hosted checkout through a connected provider that supports it.
- [UPI](https://omno.com/payment-methods/upi/): UPI (Unified Payments Interface) is India's real-time payment system, built by the National Payments Corporation of India. The shopper approves each payment in a UPI app on their phone, and the money moves straight from their bank account. UPI made up nearly 86% of India's retail payment transactions in 2025-26. With Omno, a merchant would offer UPI in the hosted checkout through a connected provider or Indian payment aggregator that supports it.
- [Uzcard](https://omno.com/payment-methods/uzcard/): Uzcard is Uzbekistan's original domestic card scheme, operated by the Common Republican Processing Center and issued by local banks as UZS debit cards. Online payments are authorised with a one-time code sent to the cardholder's phone. With Omno, a merchant would reach Uzcard pay-ins and card pay-outs in UZS through local providers, next to Humo, Payme and Click.
- [Vipps MobilePay](https://omno.com/payment-methods/vipps-mobilepay/): Vipps MobilePay is the Nordic mobile wallet sold as Vipps in Norway and MobilePay in Denmark and Finland. Shoppers pay online by confirming in the app, with a card or account stored in the wallet, and the merchant captures the reserved amount when the order is ready. It had 12.4 million users at the end of 2025. With Omno, a merchant would offer Vipps or MobilePay in the hosted checkout through a connected provider that supports it.
- [Visa](https://omno.com/payment-methods/visa/): Visa is a global card network that links shoppers' banks with merchants' acquirers. It counts about 5 billion payment credentials, more than 175 million merchant locations and operations in more than 200 countries and territories. Visa credit, debit and prepaid cards are a default at almost every online checkout. Through Omno, a merchant would offer Visa in the hosted checkout or with Card Fields on its own checkout, routed to connected acquirers by rules it sets.
- [Vodafone Cash](https://omno.com/payment-methods/vodafone-cash/): Vodafone Cash is Egypt's largest telecom mobile wallet, run by Vodafone Egypt: users hold EGP in a wallet tied to their mobile number and pay merchants online by approving a payment request with their wallet PIN. It holds 53% of Egypt's registered telecom wallets and 77% of their transaction value. With Omno, a merchant would reach Vodafone Cash pay-ins and pay-outs in EGP through one API.
- [Wave](https://omno.com/payment-methods/wave/): Wave is a mobile money wallet built on low flat pricing: sending money costs 1%, and cash-in, cash-out and bill payments are free. Wave said in July 2026 that it had 25 million active users across 11 African countries, and it took 38.2% of electronic money transaction value across the UEMOA in 2024. With Omno, a merchant would reach Wave pay-ins and payouts through one API, with routing rules per method and currency.
- [Webpay Plus](https://omno.com/payment-methods/webpay/): Webpay Plus is Transbank's online card checkout in Chile. It accepts credit cards with instalments, Redcompra debit cards and prepaid cards in CLP, and the card issuer authenticates the cardholder before each payment is authorised. Transbank, owned by Chilean banks, remains the largest online card acquirer by transactions. With Omno, a merchant would reach Webpay Plus pay-ins in Chile through one API.
- [WeChat Pay](https://omno.com/payment-methods/wechat-pay/): WeChat Pay is the payment wallet inside WeChat, Tencent's messaging and services app. Stripe puts its users at more than 800 million. Online, the shopper is redirected to WeChat or scans a QR code and confirms the payment in the app, paying from their balance or a linked card. Its cross-border service covered 78 countries and regions in April 2026. With Omno, a merchant would offer WeChat Pay in the hosted checkout through a connected provider that supports its cross-border service.
- [Yape](https://omno.com/payment-methods/yape/): Yape is a digital wallet created by BCP, part of the Credicorp group. Users pay from a phone-number-based account, and online shoppers in Peru confirm a purchase with a short approval code from the app instead of a card. Credicorp reported 16.7 million monthly active users in Peru in the second quarter of 2026, and BCP Bolivia runs Yape in Bolivia. With Omno, a merchant would reach Yape pay-ins in PEN through one API.
- [Yappy](https://omno.com/payment-methods/yappy/): Yappy is Panama's phone-number payment app, created by Banco General and now open to customers of seven financial institutions. Shoppers pay in US dollars from a linked bank account by confirming the payment in Yappy or their banking app. It had more than 1.5 million users in 2025, about 45% of Panamanians over 18. With Omno, a merchant would offer Yappy in the hosted checkout through a connected provider that supports it.

## Integrations
- [Corefy](https://omno.com/integrations/corefy/): Corefy is a payment orchestration and payment-infrastructure platform used by PSPs and merchants. Omno is listed as a ready-made connector in Corefy's library, so a business that already runs on Corefy can add Omno's provider network as one more route, without a new integration on its side.

## Glossary
- [3-D Secure](https://omno.com/glossary/3d-secure/): 3-D Secure is the card authentication protocol, maintained by EMVCo as EMV 3-D Secure, that lets the issuer verify the cardholder during an online payment, either silently from shared data or with a challenge such as a one-time passcode or biometrics.
- [3-D Secure exemption](https://omno.com/glossary/3ds-exemption/): A 3-D Secure exemption is a request to skip strong customer authentication on a card payment under one of the cases allowed by the PSD2 regulatory technical standards, such as low-value payments or transaction risk analysis, with the issuer making the final decision.
- [Account updater](https://omno.com/glossary/account-updater/): An account updater is a card scheme service that passes new card numbers and expiry dates from issuers to merchants that store cards, so saved cards and recurring payments keep working after a card is reissued, renewed or closed.
- [Acquirer](https://omno.com/glossary/acquirer/): An acquirer, or acquiring bank, is a licensed card scheme member that accepts card transactions on a merchant's behalf, sends them to the issuing bank for authorization and settles the funds to the merchant or its PSP.
- [Acquirer reference number (ARN)](https://omno.com/glossary/acquirer-reference-number/): An acquirer reference number (ARN) is a 23-digit number that the acquirer attaches to a card transaction as it passes through the card scheme to the issuer, which banks use to trace a specific payment or refund between them.
- [Address verification service (AVS)](https://omno.com/glossary/avs/): Address verification service (AVS) is a card check in which the issuer compares the billing street address and postal code the customer entered with the address on file and returns a match result, which the merchant or provider can use to approve, review or decline the payment.
- [Alternative payment method (APM)](https://omno.com/glossary/apm/): An alternative payment method (APM) is any way to pay other than an international card scheme credit or debit card, such as e-wallets, bank transfers, instant payment schemes, vouchers, mobile payments and cash-based methods.
- [AML (anti-money laundering)](https://omno.com/glossary/aml/): AML (anti-money laundering) is the set of laws, controls and monitoring that stop criminal money from entering or moving through a business, covering customer due diligence, transaction monitoring, payment method controls and suspicious activity reporting.
- [Approval rate](https://omno.com/glossary/approval-rate/): Approval rate is the share of payment attempts that are authorized, calculated as approved transactions divided by all transactions submitted for authorization in a period, and is the main measure of how well a payment setup turns customer intent into revenue.
- [Authorization](https://omno.com/glossary/authorization/): Authorization is the issuer's real-time approval or decline of a card payment, in which it checks the card, the available funds and its risk rules and, if it approves, holds the amount on the customer's account until the merchant captures it.
- [Authorization reversal](https://omno.com/glossary/authorization-reversal/): Authorization reversal is cancelling a card payment before it settles, so the hold on the customer's funds is released and the charge drops off the statement, unlike a refund, which sends money back as a separate credit after settlement.
- [Bank transfer](https://omno.com/glossary/bank-transfer/): A bank transfer is a payment the customer pushes from their own bank account to the merchant's or provider's account, by entering the account details and a reference in online banking or approving a prefilled request, with the order confirmed when the funds arrive.
- [BIN (bank identification number)](https://omno.com/glossary/bin/): BIN (bank identification number) is the first six or eight digits of a card number, which identify the card's issuer, brand, issuing country and type. Routing and risk rules read it before a payment is sent.
- [BIN routing](https://omno.com/glossary/bin-routing/): BIN routing is sending a card payment to a specific provider based on the card's bank identification number, the first 6 to 8 digits that identify the issuer, card brand, card type and issuing country.
- [Buy now, pay later (BNPL)](https://omno.com/glossary/bnpl/): Buy now, pay later (BNPL) is a checkout payment method in which a third-party lender pays the merchant for the order and the customer repays the lender in a few instalments, often interest free, after an instant credit decision.
- [Capture](https://omno.com/glossary/capture/): Capture is the step that turns an approved card authorization into an actual charge, telling the issuer to take the held funds so the payment can be cleared and settled to the merchant, either straight away or later and for the full or a smaller amount.
- [Card scheme](https://omno.com/glossary/card-scheme/): A card scheme is the organisation, such as Visa, Mastercard, American Express, UnionPay or JCB, that sets the rules for card payments under its brand and runs the network that carries authorization, clearing and settlement between issuers and acquirers.
- [Card verification value (CVV)](https://omno.com/glossary/cvv/): The card verification value (CVV) is the three- or four-digit security code printed on a payment card, also called CVC or CID, that the customer enters for online payments so the issuer can check that the person paying has the card.
- [Card-not-present (CNP)](https://omno.com/glossary/card-not-present/): A card-not-present (CNP) payment is a card transaction where neither the card nor the cardholder is physically at the point of sale, as in online, in-app, phone and mail orders, so the card cannot be checked with its chip and more of the fraud risk falls on the merchant.
- [Cascading](https://omno.com/glossary/cascading/): Cascading is an automatic fallback that sends a payment to a different payment provider when the first one is unavailable or rejects it, so the customer can still complete the purchase.
- [Cash on delivery (COD)](https://omno.com/glossary/cash-on-delivery/): Cash on delivery (COD) is a way to pay for an online order in which the customer pays the courier, in cash or sometimes by card, when the parcel arrives, and the courier later passes the money on to the merchant or its payment provider.
- [Cash voucher](https://omno.com/glossary/cash-voucher/): A cash voucher is a payment method in which the customer receives a reference number or barcode at checkout and pays it before it expires, in cash at a store, bank or agent, or through online banking, with the merchant notified once the payment is confirmed.
- [Challenge flow](https://omno.com/glossary/challenge-flow/): The challenge flow is the 3-D Secure path in which the issuer asks the cardholder to actively prove who they are, with a one-time passcode, a banking app confirmation or biometrics, before the payment is authenticated.
- [Chargeback](https://omno.com/glossary/chargeback/): Chargeback is the reversal of a card payment that the cardholder's issuer initiates after the cardholder disputes it, pulling the funds back from the merchant through the acquirer, usually with a fee, until the dispute is resolved.
- [Chargeback ratio](https://omno.com/glossary/chargeback-ratio/): Chargeback ratio is the number of chargebacks a merchant receives in a period divided by its number of card transactions, and card schemes use versions of it, such as the Visa VAMP ratio, to place merchants and acquirers in monitoring programs.
- [Chargeback reason code](https://omno.com/glossary/chargeback-reason-code/): A chargeback reason code is the card network code an issuer attaches to a dispute to say why the cardholder contests the payment, such as fraud, goods not received or a cancelled subscription, which sets the evidence and deadlines for the merchant's response.
- [Checkout conversion rate](https://omno.com/glossary/checkout-conversion-rate/): Checkout conversion rate is the share of customers who start checkout and finish with a successful payment, combining drop-off before payment, failed authentication and declined payments in one number.
- [Clearing](https://omno.com/glossary/clearing/): Clearing is the stage after authorization and capture in which the acquirer sends the final transaction details through the card scheme to the issuer, and the scheme applies fees and works out what each party owes before funds move in settlement.
- [Co-badged card](https://omno.com/glossary/co-badged-card/): A co-badged card is a payment card that carries two or more payment brands, typically a domestic scheme and an international one such as Visa or Mastercard, so the same card can be processed on either network depending on which brand is selected.
- [Credential on file (COF)](https://omno.com/glossary/credential-on-file/): Credential on file (COF) is a customer's card or payment details stored by a merchant or its provider, with consent, for later payments, which card schemes split into customer-initiated and merchant-initiated transactions with specific rules for each.
- [Cross-border fee](https://omno.com/glossary/cross-border-fee/): A cross-border fee is an extra card scheme charge applied when the card's issuing country differs from the country where the payment is acquired, billed to the acquirer and passed on to the merchant on top of interchange and other scheme fees.
- [Decline recovery](https://omno.com/glossary/decline-recovery/): Decline recovery is the set of methods that turn declined payments into approved ones, such as cascading to another provider, retrying with 3-D Secure, offering another payment method or retrying later, measured as the share of recoverable declines that end approved.
- [Device fingerprinting](https://omno.com/glossary/device-fingerprinting/): Device fingerprinting is combining attributes of a customer's device and browser, such as user agent, language, time zone, screen size and IP address, into an identifier that helps recognise the same device across payments and accounts in fraud and authentication checks.
- [Digital wallet](https://omno.com/glossary/digital-wallet/): A digital wallet is an app such as Apple Pay or Google Pay that stores a customer's cards and, for cards held on the device, pays with a device-specific token and a one-time cryptogram instead of the card number, so checkout takes a tap or a fingerprint.
- [Do not honor (response code 05)](https://omno.com/glossary/do-not-honor/): Do not honor is the generic issuer decline with response code 05, returned when the issuing bank refuses an authorization without giving a specific reason, often because of its own risk rules, the merchant category or unusual card activity.
- [Domestic card scheme](https://omno.com/glossary/domestic-card-scheme/): A domestic card scheme is a national card brand and network, such as mada in Saudi Arabia, Troy in Turkey, Meeza in Egypt or Humo in Uzbekistan, whose cards are issued by local banks and processed through an in-country switch, often alongside an international brand.
- [Dunning](https://omno.com/glossary/dunning/): Dunning is the process of recovering failed recurring payments, combining scheduled retries with reminders that ask the customer to update their card or pay another way, before a subscription is paused or cancelled.
- [Dynamic currency conversion (DCC)](https://omno.com/glossary/dcc/): Dynamic currency conversion (DCC) is a service that offers a cardholder paying in a foreign currency the price in their own card currency at checkout, with the exchange rate and markup set by the merchant's provider instead of the card issuer, if the cardholder chooses it.
- [E-wallet](https://omno.com/glossary/e-wallet/): An e-wallet is an account with a payment provider that holds a stored balance, topped up by card, bank transfer or cash, which the customer uses to pay online by signing in or confirming in the provider's app, so the merchant never sees a card number.
- [Excessive retry fee](https://omno.com/glossary/excessive-retry-fee/): An excessive retry fee is a charge card schemes apply when a merchant keeps resubmitting a declined card payment beyond the scheme's limits, such as retrying a decline the issuer marked as final or exceeding a set number of attempts in 30 days.
- [Failover](https://omno.com/glossary/failover/): Failover is automatically switching a payment to a backup provider when the primary provider is unavailable, times out or returns a technical error, so that a single provider outage does not stop payments.
- [False decline](https://omno.com/glossary/false-decline/): A false decline is a legitimate payment from a genuine customer that gets refused, by the issuer, the provider's risk rules or the merchant's own fraud screening, because it looked risky or failed a check that did not reflect real fraud.
- [Fraud screening](https://omno.com/glossary/fraud-screening/): Fraud screening is checking each payment against rules, lists and risk models before or during authorization, to approve it, block it, send it to manual review or ask for 3-D Secure, based on how likely it is to be fraudulent.
- [Frictionless flow](https://omno.com/glossary/frictionless-flow/): The frictionless flow is the 3-D Secure path in which the issuer authenticates the cardholder from transaction and device data alone, without asking for a code or app confirmation, so the payment is authenticated with no extra step for the customer.
- [Friendly fraud](https://omno.com/glossary/friendly-fraud/): Friendly fraud is a chargeback filed by the genuine cardholder for a purchase they made or allowed, claiming fraud or non-receipt, whether by mistake, after forgetting the purchase or a family member's use of the card, or on purpose to get the money back.
- [FX markup](https://omno.com/glossary/fx-markup/): FX markup is the margin a payment provider, bank or card issuer adds on top of a reference exchange rate when it converts a payment, refund, payout or settlement from one currency to another, usually stated as a percentage above the mid-market or central bank rate.
- [Hard decline](https://omno.com/glossary/hard-decline/): A hard decline is an issuer refusal that will not succeed on retry with the same card details, such as a lost or stolen card, a closed account, an invalid card number or a transaction type the card is not allowed to make.
- [Hosted checkout](https://omno.com/glossary/hosted-checkout/): A hosted checkout is a payment page or widget, run by the payment platform rather than the merchant, where customers pay with cards, wallets and local methods. The platform handles card data, method display and provider redirects.
- [IBAN (international bank account number)](https://omno.com/glossary/iban/): An IBAN (international bank account number) is a standard format for identifying a bank account across borders, made of a two-letter country code, two check digits and the domestic account number, up to 34 characters, used for transfers, refunds and payouts.
- [Idempotency key](https://omno.com/glossary/idempotency-key/): Idempotency key is a unique value a client sends with a payment or payout request so the server can recognise retries of the same request and return the original result instead of charging or paying out a second time.
- [Incremental authorization](https://omno.com/glossary/incremental-authorization/): An incremental authorization is a request to raise the amount of a card authorization that is already approved but not yet captured, used when the final total grows after checkout, such as a longer hotel stay, a car rental or an order with added items.
- [Instalment payments](https://omno.com/glossary/instalments/): Instalment payments are credit card purchases that the customer's issuing bank splits into several monthly charges, offered in markets such as Brazil, Mexico, Japan and Turkey, unlike buy now, pay later, where a separate lender funds the order.
- [Instant payment](https://omno.com/glossary/instant-payment/): Instant payment is an account-to-account credit transfer that settles in seconds, around the clock, through a national or regional scheme such as PIX in Brazil, SPEI in Mexico or SEPA Instant in the euro area, used for both pay-ins and payouts.
- [Interchange fee](https://omno.com/glossary/interchange-fee/): Interchange fee is the fee the merchant's acquirer pays to the cardholder's issuer on each card payment, set by the card scheme by card type, region and merchant category, and passed on to the merchant as part of its card processing cost.
- [ISO 20022](https://omno.com/glossary/iso-20022/): ISO 20022 is an international standard for financial messaging that defines common business data and message formats, usually written in XML, used by SEPA schemes, high-value payment systems and cross-border bank payments to carry richer, structured payment data.
- [ISO 8583 response code](https://omno.com/glossary/iso-8583-response-code/): ISO 8583 response code is the two-character code an issuer or network returns in a card authorization response, such as 00 approved, 05 do not honor, 51 insufficient funds or 54 expired card, telling the merchant what happened and what to do next.
- [Issuer](https://omno.com/glossary/issuer/): Issuer, short for issuing bank, is the bank or institution that issued the customer's card or account, holds the customer relationship and decides whether to approve or decline each authorization, and it is the party a chargeback comes from.
- [KYC (know your customer)](https://omno.com/glossary/kyc/): KYC (know your customer) is the process of identifying a customer, verifying that identity against reliable independent sources and understanding the relationship, which regulated businesses such as banks, payment providers and e-money issuers must complete before and during the relationship.
- [KYC levels](https://omno.com/glossary/kyc-levels/): KYC levels are tiers of customer verification, from basic data checks to full identity and source-of-funds review, that set payment and payout limits. Higher tiers open up more providers, payout methods and larger amounts, according to the customer's assessed risk.
- [Liability shift](https://omno.com/glossary/liability-shift/): Liability shift is the card scheme rule that moves the cost of eligible fraud chargebacks from the merchant to the card issuer when a payment was successfully authenticated with 3-D Secure or, in some cases, a wallet cryptogram.
- [Local acquiring](https://omno.com/glossary/local-acquiring/): Local acquiring is processing card payments through an acquirer in the same country as the card's issuer, so the card scheme treats each payment as domestic, which tends to raise approval rates and avoids cross-border fees.
- [Local payment method](https://omno.com/glossary/local-payment-method/): A local payment method is a payment method used mainly in one country or region, such as Pix in Brazil, SPEI in Mexico, PSE in Colombia, mada in Saudi Arabia or domestic card and bank transfer systems in CIS markets, often preferred over international cards.
- [Merchant advice code (MAC)](https://omno.com/glossary/merchant-advice-code/): Merchant advice code (MAC) is a code Mastercard returns alongside a decline to tell the merchant what to do next, such as 01 update the card details, 02 retry later, 03 do not try again, 21 stop recurring payments, or 24 to 30 retry after a set time.
- [Merchant category code (MCC)](https://omno.com/glossary/mcc/): Merchant category code (MCC) is the four-digit code an acquirer assigns to a merchant to classify what it sells, such as 5411 for grocery stores. Issuers, card schemes and providers use it for authorization, pricing and risk rules.
- [Merchant discount rate (MDR)](https://omno.com/glossary/mdr/): The merchant discount rate (MDR) is the total percentage, sometimes plus a fixed amount, that a merchant pays its acquirer or PSP on each card payment, covering interchange, card scheme fees and the provider's own margin.
- [Merchant of record](https://omno.com/glossary/merchant-of-record/): The merchant of record is the legal entity that sells to the customer and is named on the transaction, taking responsibility for the payment, sales tax or VAT, refunds, chargebacks and compliance with card scheme and consumer rules.
- [Merchant underwriting](https://omno.com/glossary/merchant-underwriting/): Merchant underwriting is the risk review an acquirer or payment provider carries out before giving a business a merchant account, assessing its business model, owners, processing and chargeback history and finances to decide whether, and on what terms, to accept it.
- [MID (merchant ID)](https://omno.com/glossary/mid/): MID (merchant ID) is the identifier an acquirer or payment provider assigns to a merchant account, used to route the merchant's transactions, apply its category and pricing, settle its funds and measure its chargeback and fraud ratios.
- [Mobile money](https://omno.com/glossary/mobile-money/): Mobile money is an electronic money account linked to a mobile phone number and run by a mobile network operator or another licensed provider, which customers fill and empty with cash at agents and use to pay, send and receive money from their phone.
- [Multi-currency pricing](https://omno.com/glossary/multi-currency-pricing/): Multi-currency pricing is showing and charging prices in the customer's local currency instead of the merchant's home currency, with the merchant or its provider handling conversion into the settlement currency, so the shopper pays exactly the amount they saw.
- [Network token](https://omno.com/glossary/network-token/): A network token is a replacement for a card number issued through the card scheme's token service, such as Visa Token Service or Mastercard MDES, that is bound to one token requestor, updated automatically when the card is reissued and used with a per-transaction cryptogram.
- [Open banking](https://omno.com/glossary/open-banking/): Open banking is the regulated access that licensed third parties have, with the customer's consent, to a customer's bank account, either to read account information or to initiate a payment directly from the account instead of using a card.
- [Partial authorization](https://omno.com/glossary/partial-authorization/): Partial authorization is an issuer approving only part of the requested amount, usually the available balance on a prepaid or debit card, instead of declining, so the merchant can collect the rest with another payment method or cancel the sale.
- [Payment facilitator (payfac)](https://omno.com/glossary/payment-facilitator/): Payment facilitator (payfac) is a provider that signs merchants as sponsored sub-merchants under its own acquiring relationship and receives settlement on their behalf, so merchants can accept cards without their own direct acquirer contract.
- [Payment gateway](https://omno.com/glossary/payment-gateway/): A payment gateway is the technical service that receives payment details from a merchant's checkout, passes them securely to a processor or acquirer for authorization and returns the result to the merchant.
- [Payment link](https://omno.com/glossary/payment-link/): A payment link is a URL that opens a hosted payment page for a set amount or product, which a merchant sends by chat, email, SMS or on an invoice so the customer can pay without going through the merchant's own checkout.
- [Payment orchestration](https://omno.com/glossary/payment-orchestration/): Payment orchestration is a software layer that connects a merchant to many payment providers through one integration and decides, for each transaction, which provider processes it, with shared rules for routing, retries, reporting and payouts.
- [Payment service provider (PSP)](https://omno.com/glossary/psp/): A payment service provider (PSP) is a company that lets merchants accept and send payments by bundling a gateway, acquiring or aggregation, payment methods, settlement and often risk tools into one commercial contract.
- [Payout](https://omno.com/glossary/payout/): Payout is a payment from a merchant to a customer or recipient, such as a refund to a bank account, cashback or a marketplace seller's earnings, sent to a card, bank account, wallet or instant payment account and funded from the merchant's balance.
- [PCI DSS](https://omno.com/glossary/pci-dss/): PCI DSS (Payment Card Industry Data Security Standard) is the security standard maintained by the PCI Security Standards Council for any organisation that stores, processes or transmits cardholder data, with the way compliance is validated set by card brands and acquirers.
- [Prepaid card](https://omno.com/glossary/prepaid-card/): A prepaid card is a payment card loaded with funds in advance, not linked to a current account or a credit line, so the cardholder can spend only the balance on the card, online or in store, wherever its brand is accepted.
- [Primary account number (PAN)](https://omno.com/glossary/pan/): The primary account number (PAN) is the long number on a payment card, up to 19 digits and usually 16, that identifies the issuer and the cardholder's account, and is the core piece of cardholder data that PCI DSS requires merchants and providers to protect.
- [PSP eligibility](https://omno.com/glossary/psp-eligibility/): PSP eligibility is the set of conditions that decide which payment providers are allowed to process a given transaction, such as supported country, currency, method, amount limits, customer verification level and licence scope, before any routing preference is applied.
- [QR code payment](https://omno.com/glossary/qr-code-payment/): A QR code payment is a payment started by scanning a QR code with a phone, either a code shown by the merchant that the customer's banking or wallet app reads, or a code in the customer's app that the merchant scans, with the money moving over a bank, wallet or card rail.
- [Reconciliation](https://omno.com/glossary/reconciliation/): Reconciliation is matching every payment, refund, chargeback and fee in a merchant's own records against provider reports and the money that actually reaches the bank, so missing, duplicated or wrongly charged transactions are found and explained.
- [Recurring payment](https://omno.com/glossary/recurring-payment/): A recurring payment is a charge the merchant takes on a schedule, such as a monthly subscription or a series of instalments, using payment details the customer agreed to store, with the first payment made by the customer and later ones started by the merchant.
- [Refund](https://omno.com/glossary/refund/): A refund returns all or part of a captured payment to the customer as a new credit through the original payment method, after the original charge has gone through, unlike a reversal, which cancels the charge before it settles.
- [Representment](https://omno.com/glossary/representment/): Representment is the merchant's formal challenge to a chargeback, in which the acquirer resubmits the transaction to the issuer with evidence that the payment was valid, such as proof of delivery, authentication data or the customer's agreement to the terms.
- [Request to pay](https://omno.com/glossary/request-to-pay/): Request to pay is a messaging service in which a merchant sends a payment request to the customer's bank or payment app, and the customer reviews and approves it there, which then starts a bank transfer, often an instant one, for the requested amount.
- [Retrieval reference number (RRN)](https://omno.com/glossary/retrieval-reference-number/): A retrieval reference number (RRN) is a 12-character reference carried in field 37 of ISO 8583 card messages, assigned when a payment is authorized and used by acquirers, issuers and processors to find that transaction again later.
- [Rolling reserve](https://omno.com/glossary/rolling-reserve/): Rolling reserve is a share of each payment, such as 10%, that a payment provider or acquirer holds back for a fixed window, such as 90 days, and then releases, to cover future chargebacks, refunds and fines from a merchant it sees as risky.
- [Sanctions screening](https://omno.com/glossary/sanctions-screening/): Sanctions screening is checking customers, business partners and payments against official sanctions lists, such as those published by OFAC, the EU, the UN Security Council and the UK, to stop dealings with designated people, companies and countries.
- [Scheme fees](https://omno.com/glossary/scheme-fees/): Scheme fees are the charges card networks such as Visa and Mastercard levy on acquirers for using their network, including assessment, processing and cross-border fees and charges for excessive retries, which acquirers pass on to merchants.
- [SEPA Instant Credit Transfer (SCT Inst)](https://omno.com/glossary/sepa-instant/): SEPA Instant Credit Transfer (SCT Inst) is the European Payments Council's scheme for euro credit transfers that make funds available to the payee within ten seconds, at any hour of any day, between payment service providers across SEPA.
- [Settlement](https://omno.com/glossary/settlement/): Settlement is the transfer of funds from the payment provider or acquirer to the merchant's bank account for approved transactions, after fees, refunds, chargebacks and any reserve are deducted, on a schedule such as T+1 or weekly.
- [Smart routing](https://omno.com/glossary/smart-routing/): Smart routing is choosing which payment provider processes each transaction based on rules and data, such as card country, BIN, method, currency, amount, customer group and recent approval rates, instead of sending all traffic to one provider.
- [Soft decline](https://omno.com/glossary/soft-decline/): A soft decline is an issuer or provider refusal that may succeed if the payment is retried later, on a different route or with extra authentication, such as do not honor, insufficient funds or a request for strong customer authentication.
- [Soft descriptor](https://omno.com/glossary/soft-descriptor/): Soft descriptor is the merchant name and transaction detail shown on the customer's card or bank statement, often a fixed prefix plus a per-payment suffix, and a clear one helps customers recognise payments and reduces disputes.
- [Split payment](https://omno.com/glossary/split-payment/): A split payment is a single customer payment whose amount is divided between several recipients, such as a marketplace and its sellers, either when the payment is processed or afterwards through transfers and payouts.
- [Strong customer authentication (SCA)](https://omno.com/glossary/strong-customer-authentication/): Strong customer authentication (SCA) is the PSD2 requirement that electronic payments be authenticated with at least two independent elements from different categories, knowledge, possession and inherence, applied to most online card payments in Europe through 3-D Secure.
- [Super app](https://omno.com/glossary/super-app/): A super app is a single mobile app that combines everyday services such as shopping, payments, transfers, bill payments and credit on one account, so customers handle much of their daily spending in it and often prefer to pay with it online.
- [Token portability](https://omno.com/glossary/token-portability/): Token portability is the ability to move stored card credentials from one payment provider's vault to another, so saved cards and recurring payments keep working after a merchant changes or adds providers, without customers entering their card details again.
- [Tokenization](https://omno.com/glossary/tokenization/): Tokenization is replacing a card number or other sensitive payment credential with a non-sensitive token that can be stored and reused for later payments, while the real data is kept in a secure vault by the token provider.
- [USSD payment](https://omno.com/glossary/ussd-payment/): A USSD payment is a payment made through a numbered text menu that the customer opens by dialling a short code on a mobile phone, which runs over the operator's network on any handset, without a smartphone or an internet connection.
- [VAMP (Visa Acquirer Monitoring Program)](https://omno.com/glossary/vamp/): VAMP (Visa Acquirer Monitoring Program) is Visa's global program that measures fraud, disputes and card-testing levels on card-not-present payments each month and requires acquirers and merchants above its thresholds to take corrective action, with possible fees.
- [Velocity check](https://omno.com/glossary/velocity-check/): A velocity check is a fraud rule that counts how often something happens in a time window, such as payments per card, cards per customer account or attempts per IP address in an hour, and blocks or reviews activity above a set limit.
- [Virtual card](https://omno.com/glossary/virtual-card/): A virtual card is a card number, expiry date and security code issued without a plastic card, often for a single use or with spending controls, which consumers use for online shopping and businesses use to pay suppliers.
- [Webhook](https://omno.com/glossary/webhook/): Webhook is an HTTP request a payment platform sends to the merchant's server when a transaction changes status, such as approved, declined or paid out, and in payments it is the authoritative record that the merchant's ledger should act on.
- [Webhook signature](https://omno.com/glossary/webhook-signature/): A webhook signature is a cryptographic value, usually an HMAC calculated with a shared secret over the request body and a timestamp, that a payment provider sends with each webhook so the receiving server can confirm the message is genuine and unaltered.

## Optional
- [How to measure 3-D Secure: challenge rate, abandonment and failure](https://omno.com/blog/3d-secure-abandonment-and-failure/): The 3-D Secure metrics worth tracking: challenge rate, abandonment, authentication failure versus issuer decline, and what to change when each one moves.
- [Approval rate by segment: the cuts that lead to action](https://omno.com/blog/approval-rate-by-segment/): How to break approval rate down by issuer country, card type, BIN, method, amount, device and provider, and how to stop small samples from misleading you.
- [Card testing attacks: how they work and how to stop them](https://omno.com/blog/card-testing-attacks/): How card testing works, the signs in your payment data, what stops it, from velocity limits and CAPTCHA to minimum amounts, and the card scheme consequences.
- [Checkout form design: what keeps shoppers on the page](https://omno.com/blog/checkout-form-design/): Checkout form design backed by research: field count, guest checkout, inline validation, autofill and mobile keyboards, with a review checklist.
- [Choosing payment providers for Southeast Asia: what to ask in each market](https://omno.com/blog/choosing-psps-for-southeast-asia/): What to ask providers in Indonesia, Thailand, the Philippines, Malaysia, Singapore and Vietnam: QRIS, PromptPay, GCash, DuitNow, FPX, PayNow and local cards.
- [Collecting customer data at checkout: ask for less, collect the rest on demand](https://omno.com/blog/collecting-customer-data-at-checkout/): Which customer details providers and local methods really need, why asking for everything costs conversions, and how to collect the rest only when needed.
- [What a foreign card really costs: interchange, scheme fees and FX](https://omno.com/blog/cross-border-card-fees/): The real cost of a foreign card: higher interchange, scheme cross-border fees, FX markup and what published rates such as the EU caps say, with an example.
- [Crypto and stablecoin payments at checkout: how they work](https://omno.com/blog/crypto-and-stablecoin-payments-at-checkout/): How crypto and stablecoin payments work for online stores: address or QR flows, networks and confirmations, conversion, underpayments, MiCA, sanctions and tax.
- [What to tell a customer after a decline: safe messages and next steps](https://omno.com/blog/decline-messages-at-checkout/): What to show a customer after a card decline: which details are safe, why fraud reasons stay hidden, copy examples by decline type and the right next step.
- [Friendly fraud: Compelling Evidence 3.0 and First-Party Trust](https://omno.com/blog/friendly-fraud-and-compelling-evidence/): What first-party misuse is, how Visa Compelling Evidence 3.0 and Mastercard First-Party Trust work, what evidence to keep and how to prevent disputes.
- [Host-to-host card payments: when direct card data is worth the PCI cost](https://omno.com/blog/host-to-host-card-payments/): H2H card payments vs hosted fields and hosted checkout: which SAQ applies, what attestation costs, how secure tokens help and when direct card data is worth it.
- [How Germans pay online: PayPal, invoice, direct debit and what a foreign store needs](https://omno.com/blog/how-germans-pay-online/): How German shoppers pay online: PayPal, invoice, Klarna, SEPA direct debit, cards and Wero, what each needs from a foreign store, and the new credit rules.
- [Selling online to Uzbekistan: Humo, Uzcard, Payme and Click explained](https://omno.com/blog/humo-uzcard-payme-and-click-in-uzbekistan/): How a foreign online store takes payments in Uzbekistan: Humo and Uzcard cards, Payme and Click wallets, local acquiring, UZS, and what to ask a provider.
- [iDEAL, Bancontact and Wero: pay-by-bank in the Netherlands, Belgium and Germany](https://omno.com/blog/ideal-bancontact-and-wero-in-europe/): How foreign online stores accept iDEAL, Bancontact and Wero, where the iDEAL to Wero migration stands in November 2026, and what to ask a payment provider.
- [How to investigate a failed payment: a playbook for support teams](https://omno.com/blog/investigating-failed-payments/): A step-by-step playbook for finding out why one payment failed: reference, attempts, provider response, 3-D Secure result, webhook and customer view.
- [Mastercard ECP and EFM: thresholds, fines and how to get out](https://omno.com/blog/mastercard-chargeback-monitoring-programs/): How Mastercard's Excessive Chargeback and Fraud Merchant programmes work: tiers, thresholds, assessments, exit rules and the changes reported for 2027.
- [MCC codes for online stores: how they are assigned and why they matter](https://omno.com/blog/mcc-codes-for-online-stores/): What merchant category codes are, who assigns them, how a wrong MCC affects approvals, fees and rules, and which codes online stores commonly use.
- [Merchant onboarding: what payment providers ask for and why applications stall](https://omno.com/blog/merchant-onboarding-with-payment-providers/): What a provider asks for when you apply: business documents, owners, website checks and processing history, why applications stall, and typical timing.
- [Multi-brand payment setup: MIDs, legal entities, statement names and reporting](https://omno.com/blog/multi-brand-payment-setup/): How to run payments for several brands or country stores: when to separate legal entities and MIDs, statement names, roles, shared routing and group reporting.
- [Pay by Bank in the UK: what a foreign store should know before adding it](https://omno.com/blog/pay-by-bank-in-the-uk/): UK shoppers still pay online by card. How Pay by Bank works over Faster Payments, where variable recurring payments stand, and how a foreign store adds it.
- [Payment data and GDPR: what a merchant can keep, and for how long](https://omno.com/blog/payment-data-and-gdpr/): What payment data a merchant holds under GDPR: lawful basis, saved cards, retention, controller and processor roles, transfers and handling deletion requests.
- [Payment method order at checkout: what to show first, and how many](https://omno.com/blog/payment-method-order-at-checkout/): Which payment methods to show first by country, how many to show, what to preselect, where wallets belong, and what research says about choice at checkout.
- [Payment outage playbook: detect, reroute, communicate and reconcile](https://omno.com/blog/payment-outage-playbook/): A step-by-step runbook for a payment provider or card network outage: detect it, confirm the scope, reroute safely, tell customers and reconcile afterwards.
- [Payment timeouts and unknown statuses: what to do when a provider does not answer](https://omno.com/blog/payment-timeouts-and-unknown-statuses/): What to do when a provider does not answer: unknown statuses, why not to show failure too early, duplicate charge risk, status checks and reconciliation.
- [Selling online to Japan: cards, JCB, konbini, PayPay and bank transfer](https://omno.com/blog/payments-in-japan-konbini-and-paypay/): How a foreign online store takes payments from Japan: cards and JCB first, instalments, konbini, PayPay, bank transfer, and what a merchant needs for each.
- [Payments in Nigeria: cards, bank transfer, USSD and what a foreign store should ask](https://omno.com/blog/payments-in-nigeria/): How Nigerians pay online: cards, bank transfer, USSD and wallets, what Paystack and Flutterwave need from you, naira FX, repatriation and the NGN 50 stamp duty.
- [Provider limits and volume caps: how to avoid hitting one at month end](https://omno.com/blog/provider-limits-and-volume-caps/): Processing limits at acquirers and providers, why they exist, and how to set traffic caps so a peak sale day does not stop your payments.
- [PSD3 and the Payment Services Regulation: what changes for online merchants](https://omno.com/blog/psd3-and-the-payment-services-regulation/): PSD3 and the PSR explained for online merchants: what is agreed, what is not yet in force, and what changes for authentication, fraud and open banking.
- [How to read a PSP contract: the clauses to check before you sign](https://omno.com/blog/reading-a-psp-contract/): The clauses to read in a PSP agreement: fees and minimums, reserves, termination, exit and data export, settlement timing and chargeback liability.
- [Sanctions and restricted countries: what an online store still owns](https://omno.com/blog/sanctions-and-restricted-countries/): What sanctions screening means for an online store: OFAC, EU, UK and FATF lists, the limits of geoblocking and what stays with the merchant.
- [Saved cards and guest checkout: consent, CVV and credential-on-file rules](https://omno.com/blog/saved-cards-and-guest-checkout/): When to offer saved cards, what consent you need, whether to ask for the CVV, credential-on-file rules, and how guest checkout fits alongside them.
- [Selling online to Georgia and Armenia: cards, bank apps, Idram and local acquiring](https://omno.com/blog/selling-online-to-georgia-and-armenia/): How shoppers in Georgia and Armenia pay online, from bank cards and apps to Idram, plus local acquiring, GEL and AMD pricing and what to ask a provider.
- [Selling online to the United States: payment methods a foreign store can really offer](https://omno.com/blog/selling-online-to-the-united-states/): Americans pay online by card. Which US methods a foreign store can get, from Apple Pay and PayPal to Cash App, ACH and Affirm, and what US acquiring requires.
- [Settlement currency and FX risk: what to settle in and what to hold](https://omno.com/blog/settlement-currency-and-fx-risk/): How to choose settlement currencies, where FX exposure sits between sale and payout, what holding balances means, and which hedging topics to raise with a bank.
- [Statement descriptors: how the line on a card statement causes or prevents disputes](https://omno.com/blog/statement-descriptors/): Why unclear statement descriptors cause disputes, what Visa and providers require, length limits, dynamic descriptors and what to set per brand and market.
- [Sticky and reverse-sticky routing: keeping or moving returning customers](https://omno.com/blog/sticky-and-reverse-sticky-routing/): How sticky routing keeps returning customers on the provider that worked, how reverse-sticky moves them from one that declined, and the risks of each.
- [Surcharges and payment fees: where you can charge, and how to show it](https://omno.com/blog/surcharges-and-payment-fees/): When a merchant may add a fee for a payment method: the EU and UK bans, US state and card scheme rules, Australia's 2026 change and how to display a surcharge.
- [Traffic splitting between payment providers: setting shares and reading results](https://omno.com/blog/traffic-splitting-between-providers/): Why merchants split payment volume across providers, how to set the shares, how to read the result fairly and the mistakes that make one provider look better.
- [UPI for cross-border e-commerce: how foreign online stores get paid from India](https://omno.com/blog/upi-for-cross-border-ecommerce/): How UPI works at checkout for a foreign online store: intent, QR and the end of collect, RBI rules on cross-border aggregators, and what to ask a provider.
- [Velocity rules and customer limits: how to set them](https://omno.com/blog/velocity-rules-and-customer-limits/): How velocity rules work per card, customer, device and IP, which time windows to use, and how to set thresholds without blocking repeat customers.
- [What a payment orchestration RFP should ask: 30 questions](https://omno.com/blog/payment-orchestration-rfp-questions/): Thirty questions to put in a payment orchestration RFP, grouped by coverage, routing, tokens, checkout, payouts, data, security, operations, pricing and exit.
- [Adding a second PSP without a re-integration: a step-by-step plan](https://omno.com/blog/adding-a-second-psp/): A practical plan for adding a second payment provider: what a direct integration involves, saved-card migration, status mapping and a safe traffic ramp.
- [Payment orchestration vs building routing in-house: costs and trade-offs](https://omno.com/blog/orchestration-vs-building-routing-in-house/): What an in-house payment routing layer must include, what it costs to build and maintain, when building makes sense and when buying orchestration does.
- [Subscription payment recovery: retries, account updater and dunning](https://omno.com/blog/subscription-payment-recovery/): How subscription merchants recover failed renewals: account updaters, network tokens, retry schedules, MIT flags, dunning and local recurring methods.
- [Fraud screening without killing approval rates](https://omno.com/blog/fraud-screening-and-approval-rates/): How to set fraud rules that stop bad payments without blocking good customers: measuring false positives, layering checks and testing rules safely.
- [Mobile money at checkout in Africa: M-Pesa, MTN MoMo and Wave](https://omno.com/blog/mobile-money-checkout-africa/): How mobile money works at an online checkout: phone prompts and PINs, callbacks, limits, fees, refunds and payouts for M-Pesa, MTN MoMo and Wave.
- [Choosing payment providers for MENA: what to ask in each market](https://omno.com/blog/choosing-psps-for-mena/): What to ask payment providers in Saudi Arabia, the UAE, Kuwait, Egypt, Jordan and Morocco: local acquiring, domestic schemes, licences, refunds and currency.
- [Network tokens vs PSP tokens: what changes for repeat payments](https://omno.com/blog/network-tokens-vs-psp-tokens/): How network tokens differ from PSP vault tokens, what each does for repeat payments, approval rates and portability, and how to combine them across PSPs.
- [Settlement times by region: cash flow from capture to bank](https://omno.com/blog/settlement-times-by-region/): How long card and local method payments take to reach your bank in Europe, the US, Brazil and Mexico, what reserves and FX add, and how to model cash tied up.
- [Cascading and decline recovery: which declines to retry, and how](https://omno.com/blog/cascading-and-decline-recovery/): How payment cascading recovers soft declines, which decline codes must never be retried, card network retry limits, and a worked recovery example.
- [How to calculate approval rate correctly, with worked examples](https://omno.com/blog/how-to-calculate-approval-rate/): Approval rate formula, what belongs in the denominator, why attempt-level numbers mislead, and how to compare PSPs fairly. Worked examples included.
- [Single PSP risk: what happens when your only provider says no](https://omno.com/blog/single-psp-risk/): The risks of relying on one payment provider: outages, account freezes, reserves, approval ceilings and pricing, plus a checklist for adding a backup PSP.
- [Why payouts are harder than payments](https://omno.com/blog/why-payouts-are-harder-than-payments/): Why refunds and seller payouts are harder than taking a payment: return-to-source rules, name matching, thinner method coverage, late failures and prefunding.
- [Choosing payment providers for Africa: what to ask in each market](https://omno.com/blog/choosing-psps-for-africa/): What to ask payment providers in Nigeria, Kenya, Ghana, Egypt and Morocco: cards versus mobile money, FX and settlement, licences, Verve, M-Pesa and MoMo.
- [Account-to-account and instant payments in emerging markets](https://omno.com/blog/a2a-instant-payments-emerging-markets/): How account-to-account and instant payments work at checkout in Mexico, Argentina, Colombia, Turkey, Egypt, the UAE and Nigeria, and what they change.
- [Visa VAMP: how the ratio, fees and card testing rules work](https://omno.com/blog/vamp-visa-acquirer-monitoring-program/): How Visa's VAMP ratio is counted, what is excluded, the card testing ratio, acquirer thresholds and fees, and what to do in the month you get a warning.
- [Webhooks and idempotency: a guide for payment teams](https://omno.com/blog/webhooks-and-idempotency/): How to build webhook handlers and idempotent payment requests that survive duplicates, retries, out-of-order events and timeouts without double charges.
- [Choosing payment providers for LATAM: a country-by-country checklist](https://omno.com/blog/choosing-psps-for-latam/): What to ask payment providers for Brazil, Mexico, Colombia, Peru and Chile: local entity or cross-border, instalments, local methods, FX, settlement and tax.
- [BIN routing explained: picking a provider by card issuer](https://omno.com/blog/bin-routing-explained/): How BIN routing uses a card's issuer, country, brand and funding type to choose the payment provider, with an example rule set and the mistakes to avoid.
- [Card token portability: moving saved cards between payment providers](https://omno.com/blog/card-token-portability/): How saved cards move between payment providers: PSP, network and vault tokens, PAN exports, what never moves, contract clauses and keeping renewals approved.
- [Chargeback management for cross-border merchants](https://omno.com/blog/chargeback-management-cross-border/): How chargebacks work for merchants selling across borders: dispute timelines, Visa and Mastercard monitoring thresholds, evidence rules and prevention.
- [Marketplace seller payouts across borders: rails, timing and checks](https://omno.com/blog/marketplace-seller-payouts/): How marketplaces pay sellers in other countries: split or later payouts, holding periods, bank, card and wallet rails, payout currency and DAC7 reporting.
- [3DS2 for cross-border shops: friction, exemptions and where SCA applies](https://omno.com/blog/3ds2-exemptions-for-cross-border-shops/): When 3-D Secure is required, which PSD2 exemptions a cross-border shop can use, what liability shift covers, and how to decide when to ask for 3DS.
- [Payment reconciliation across many PSPs: a practical model](https://omno.com/blog/payment-reconciliation-across-psps/): How to reconcile orders, provider transactions and bank settlements when payments run through several PSPs, with a data model, match rules and common breaks.
- [Customer verification tiers and payouts](https://omno.com/blog/verification-tiers-and-payouts/): How marketplaces, fintechs and online sellers can tier customer verification so sales start fast and payouts never wait for a document request.
- [Which local payment methods to add first: a scoring model](https://omno.com/blog/which-local-methods-to-add-first/): A scoring model for deciding which local payment methods to integrate first: reach, ticket fit, uplift, cost, refunds, payouts, effort and provider access.
- [Multi-currency pricing vs dynamic currency conversion: which to offer](https://omno.com/blog/multi-currency-pricing-vs-dcc/): How multi-currency pricing and dynamic currency conversion differ, what Visa and EU rules require, who earns the FX margin, and what happens to refunds.
- [Building a decline dashboard: data, code groups and alerts](https://omno.com/blog/decline-code-dashboard/): Which data to capture for every payment attempt, how to normalise decline codes across PSPs, the views a payments team needs, alerts and a weekly review.
- [BNPL in the Gulf: Tabby, Tamara and what they change for merchants](https://omno.com/blog/bnpl-in-the-gulf/): How buy now, pay later works for merchants in Saudi Arabia, the UAE and Kuwait: who pays whom, the rules, order statuses, captures, refunds and placement.
- [How many PSPs do you need? Choosing providers per market](https://omno.com/blog/how-many-psps-per-market/): A method for deciding how many payment providers to use in each market: count the jobs, add backup where it pays, and weigh cost. Worked Mexico example.
- [PCI DSS 4.0.1 and SAQ A for hosted checkout merchants](https://omno.com/blog/pci-dss-4-saq-a-hosted-checkout/): What SAQ A covers under PCI DSS 4.0.1, who qualifies with a redirect or iframe checkout, the January 2025 changes and what the merchant still has to do.
- [Kaspi in Kazakhstan: why the checkout needs more than cards](https://omno.com/blog/kaspi-checkout-kazakhstan/): Why a card-only checkout falls short in Kazakhstan: Kaspi's scale, the local card system, QR payments, how foreign merchants connect, and refund handling.
- [OXXO and cash vouchers in Mexico: how they work at checkout](https://omno.com/blog/oxxo-and-cash-vouchers-in-mexico/): How OXXO cash vouchers work for online stores in Mexico: reference, store payment, expiry, limits, webhooks, refunds by SPEI and when to offer SPEI instead.
- [QR payments for e-commerce: how to build the checkout flow](https://omno.com/blog/qr-payments-for-ecommerce/): How an online store gets QR payments right: static or dynamic codes, the EMVCo format, desktop and mobile flows, expiry, confirmation, amounts and refunds.
- [Refunds across local payment methods: what each one supports](https://omno.com/blog/refunds-across-local-methods/): Which local payment methods support refunds, partial refunds and how long you have: cards, Pix, Boleto, OXXO, SPEI, SEPA debits, wallets and BNPL.
- [False declines: what they cost and how to find them](https://omno.com/blog/false-declines-cost/): What a false decline is, where it happens, what studies say it costs, how to spot one in your decline codes and how to reduce them without more fraud.
- [Data localisation in CIS payments: what cross-border online stores need to know](https://omno.com/blog/data-localisation-cis-payments/): Which CIS and Caucasus markets require local storage of personal data, what it means for checkout, PSPs and orchestration, and how card data differs.
- [mada and local cards in Saudi Arabia: what changes at checkout](https://omno.com/blog/mada-and-local-cards-in-saudi-arabia/): What mada changes for an online checkout in Saudi Arabia: co-badged cards, local acquiring, Apple Pay, capture and refund rules, STC Pay and SADAD.
- [Card payouts vs bank payouts: speed, reach, cost and when to use each](https://omno.com/blog/card-payouts-vs-bank-payouts/): How card payouts through Visa Direct and Mastercard compare with SEPA Instant and other bank payouts on speed, eligibility, cost, limits and failure.
- [Soft vs hard declines: which decline codes to retry](https://omno.com/blog/soft-vs-hard-declines/): Which card decline codes are worth retrying and which must never be retried, with Visa decline categories, Mastercard advice codes and retry fees.
- [Checkout localisation: currency, language and payment methods by market](https://omno.com/blog/checkout-localisation/): What localising a checkout means: currency, language and RTL, method order, local form fields and instalments, with LATAM, Turkey, MENA and CIS examples.
- [Card instalments in Brazil and Latin America: who pays and when you get paid](https://omno.com/blog/instalments-in-brazil-and-latam/): How card instalments work in Brazil, Mexico, Argentina, Colombia, Chile and Peru: who funds the interest, when the merchant is paid, refunds and chargebacks.
- [Pix for cross-border e-commerce: what foreign merchants need to know](https://omno.com/blog/pix-for-cross-border-ecommerce/): How a merchant outside Brazil accepts Pix: the partner model, QR and copy-and-paste codes, IOF, limits, expiry, refunds, MED disputes and Pix Automático.
- [Local vs cross-border acquiring: what changes for approval and cost](https://omno.com/blog/local-vs-cross-border-acquiring/): What changes when a card payment is acquired in the customer's country instead of abroad: issuer approval, interchange, FX, entities and data rules.
- [Interchange++ vs blended pricing: how to read a PSP quote](https://omno.com/blog/interchange-plus-plus-vs-blended-pricing/): How interchange++ and blended card pricing work, what the EU caps say, which other fees sit in a PSP quote and how to compare quotes on your own payment mix.
- [Merchant advice codes: what each Mastercard MAC tells you to do](https://omno.com/blog/merchant-advice-codes/): What Mastercard merchant advice codes are, where they arrive, what each code means, how Visa differs, and how to turn MACs into retry and dunning rules.
- [Apple Pay and Google Pay for cross-border checkout: what changes](https://omno.com/blog/apple-pay-and-google-pay-cross-border/): How Apple Pay and Google Pay work in a cross-border checkout: device tokens, SCA and liability, country availability, domain setup, local cards and refunds.
- [Cash on delivery in MENA: moving shoppers to online payment](https://omno.com/blog/cash-on-delivery-to-online-payment-mena/): How common cash on delivery still is in MENA, what it costs a merchant, how to move shoppers to prepaid methods, the fee rules and what changes in refunds.
- [BLIK and pay-by-bank in Poland: a guide for foreign online stores](https://omno.com/blog/blik-and-pay-by-bank-in-poland/): How a store outside Poland accepts BLIK and pay-by-link transfers: the code flow, One-Click, recurring, provider limits, refunds, disputes and PLN pricing.
- [Payments in Turkey: Troy, taksit and local acquiring for online stores](https://omno.com/blog/payments-in-turkey-troy-and-taksit/): How Turkish shoppers pay online: card instalments (taksit) and the BDDK caps, Troy cards, 3-D Secure, FAST, and refunds under the distance contract rules.
- [Choosing payment providers for CIS and the Caucasus: what to ask in each market](https://omno.com/blog/choosing-psps-for-cis-and-caucasus/): What to ask payment providers in Kazakhstan, Uzbekistan, Kyrgyzstan, Tajikistan, Armenia, Azerbaijan and Georgia: local schemes, acquiring, settlement and KYC.
- [Getting started](https://omno.com/developers/getting-started/): How to go from first contact to live payments with Omno: API credentials, base URLs, OAuth access tokens, testing with fake PSPs and the go-live checklist.
- [Hosted checkout and Web SDK](https://omno.com/developers/hosted-checkout/): Integrate the Omno hosted checkout: create a session from your backend, pass the checkout token, open it with the Web SDK and handle events and outcomes.
- [Direct Links](https://omno.com/developers/direct-link/): Take local payment methods, wallets and crypto from your own checkout with Omno Direct Links. One button on your page, several providers behind it.
- [Webhooks](https://omno.com/developers/webhooks/): Configure Omno webhooks, choose transaction events, monitor deliveries and retries, and handle repeated and out-of-order statuses safely in your backend.
- [Routing and PSP eligibility](https://omno.com/developers/routing-and-psp-eligibility/): How Omno picks a provider for each transaction: routing, PSP eligibility by customer group and KYC level, and the routerId and directRouteId fields.
- [API reference](https://omno.com/developers/api-reference/): This reference covers the Omno API base URL, OAuth 2.0 authentication, the customer, hosted checkout, pay-in, payout and transaction endpoints, and statuses.
- [Lost sales calculator](https://omno.com/tools/approval-rate-calculator/): Estimate how many orders and how much revenue declined payments cost your shop each month.