PAYONE Hyvä Checkout Integration

Project Overview

We developed an extensive PAYONE payment service provider integration for Hyvä Checkout, delivering support for over 35 different payment methods through a single, unified extension. This integration enables merchants to offer customers a comprehensive range of payment options across credit cards, digital wallets, buy now pay later solutions, and regional payment methods.

Challenge

PAYONE offers one of the most comprehensive payment method portfolios available, but integrating this breadth of options into Hyvä Checkout presented unique challenges. Different payment methods have varying requirements—some need date of birth collection, others require acceptance of buy now pay later agreements to maintain compliance. The challenge was to create a seamless integration that handles all these diverse requirements while maintaining a smooth checkout experience.

Solution

We developed a comprehensive Hyvä Checkout extension that integrates PAYONE payment capabilities directly into the checkout flow. The solution intelligently handles method-specific requirements using the Hyvä UI modal system for compliance elements, creating a unified experience despite the diversity of underlying payment methods.

Supported Payment Methods

The integration supports over 35 payment methods across multiple categories:

Credit and Debit Cards

• Credit card with 3D Secure authentication (inline iframe)

• Debit card payments

Digital Wallets

• Apple Pay

• PayPal

• Amazon Pay

• Alipay

• WeChat Pay

Buy Now Pay Later Solutions

• Klarna (Invoice, Debit, Installment)

• Ratepay (Invoice, Debit, Installment)

• Payolution (Invoice, Debit, Installment)

• BNPL (Invoice, Debit, Installment)

Online Banking & Bank Transfer

• Sofortüberweisung (Sofort)

• Giropay

• iDEAL

• Bancontact

• Trustly

• EPS (Austria)

• Przelewy24 (Poland)

• PostFinance E-Finance & Card

Invoice & Alternative Payment Methods

• Invoice

• Safe Invoice

• Cash on Delivery

• Advance Payment

• Barzahlen

• Paydirekt

Key Features

Intelligent Compliance Handling

• Date of Birth Collection: Automatic collection for payment methods requiring age verification

• BNPL Agreements: Modal-based agreement acceptance for buy now pay later compliance

• Hyvä UI Integration: Uses native Hyvä modal system for seamless compliance elements

Security Features

• Iframe Integration: Secure payment data handling through iframe embedding

• 3D Secure Authentication: Built-in support for Strong Customer Authentication

• Tokenization: Secure handling of payment credentials

• PCI Compliance: Industry-standard payment security

Unified Integration

• Single Extension: All 35+ payment methods accessible through one installation

• Consistent Experience: Unified checkout flow regardless of payment method selected

• Easy Method Management: Enable or disable specific payment methods as needed

Technical Implementation

The integration was built specifically for the Hyvä Checkout framework, handling the complexity of multiple payment methods while maintaining a simple, intuitive user experience. Special attention was paid to compliance requirements—payment methods requiring date of birth collection or buy now pay later agreements integrate smoothly using the Hyvä UI modal system. This approach ensures regulatory compliance without disrupting the checkout flow, making it feel natural for both developers and customers.

Benefits

• Comprehensive Payment Portfolio: Merchants gain access to 35+ payment methods through a single integration

• Regional Coverage: Support for payment preferences across European and international markets

• Simple Installation: Install the extension once to enable the full range of PAYONE payment methods

• Built-in Compliance: Automatic handling of regulatory requirements for different payment types

• Flexible Configuration: Enable only the payment methods relevant to your market and customer base

• Seamless User Experience: Smooth checkout process that handles complexity without feeling complex

Results

The integration provides merchants with one of the most comprehensive payment solutions available for Hyvä Checkout. By supporting the full breadth of PAYONE payment methods through a single extension, merchants can offer customers their preferred payment option regardless of location or preference. The built-in compliance handling ensures merchants meet regulatory requirements automatically, while the unified integration keeps the checkout experience clean and performant.