Payment Method Recommendations

Empowering merchants and PSPs with intelligent, data-driven payment method recommendations — leveraging merchant and consumer insights to surface the most relevant local payment methods, optimize conversion, and deliver seamless, localized checkout experiences.

Available Payment Methods

When a customer (PSP or Merchant) is onboarded with PPRO, PPRO enables a specific set of payment methods based on their requirements and the terms defined in legal and commercial agreements, this list is known as the set of Available payment methods.

Recommended Payment Methods

Through intelligent evaluation, certain “Available” payment methods are surfaced as the most suitable for a consumer — this curated selection forms the set of Recommended payment methods.

PPRO analyzes merchant specific attributes (such as - Country of Business, in future - Industry, integration preferences like mobile intent, QR Codes, Recurring etc.) along with consumer data (such as currently - consumer’s country, payment amount & currency, email id, phone number for account holding with the scheme, in the future - transaction history, payment preferences etc.) to recommend the most relevant payment method which will boost conversion rates, increasing the likelihood of a successful transaction while creating a seamless, localized checkout experience.

Merchants are encouraged to personalize the checkout experience using recommendations — by ordering payment methods, pre-selecting a suggested option, or highlighting a specific issuer. While the current logic is based on a simple boolean decision, we plan to introduce recommendation scoring in the future for more nuanced control.

Payment Methods supported in Recommendations:

BancomatPay (Italy) & Bizum (Spain):

Using the consumer’s phone number from the request payload, PPRO queries the scheme, to verify if the consumer holds a valid and an active account with the scheme. If confirmed, the available payment method is flagged as 'recommended' as True

SEPA Direct Debit (EU - Euro Area)

Based on the consumer’s country in the request payload, PPRO checks against the SEPA-eligible country list to determine if SEPA Direct Debit should be recommended for the merchant’s checkout.

Create payment-sessions API Request:

POST /v1/payment-sessions
{
    "amount": {
        "value": 100,
        "currency": "EUR"
    },
    "recurring": false,
    "consumer": {
        "name": "John Smith",
        "email": "[email protected]",
        "phone": "+491735792725",
        "country": "IT"
    }
}

Response:

{
    "id": "sess_wxXkt7TtZoEbMB5fqVwVD",
    "status": "INITIATED",
    "amount": {
        "value": 100,
        "currency": "EUR"
    },
    "recurring": false,
    "consumer": {
        "name": "John Smith",
        "email": "[email protected]",
        "phone": "+491735792725",
        "country": "IT"
    },
    "availablePaymentMethods": [
        {
            "name": "SEPA_DIRECT_DEBIT",
            "recommended": true
        },
        {
            "name": "BANCOMATPAY",
            "recommended": true
        }
    ],
    "expiresAt": "2025-08-04T16:57:51.063Z",
    "createdAt": "2025-08-04T15:57:51.063Z"
}