# Payment solution
The payment solution developed by Pledg (opens new window) allows a merchant to propose different payment types to its customers.
# Payment types
Different payment types are available for the merchant.
| Payment type | Description |
|---|---|
| Installment | The payment is shared in several installments |
| Deferred | The payment is completed only after a certain delay |
# Integration modes
Depending on merchant's environment, various integration modes are available.
| Type | Description |
|---|---|
| Javascript plugin | A JS plug in embeded in the merchant payment page |
| Redirection | Redirect the user to the Pledg payment page |
| CMS modules | A module that can be integrated on the main e-commerce platforms |
| Purchase links | Direct purchase link generation (QR code, sms, email ...) |
# Payment modes
Once the purchase is completed by the customer, there are two ways to pay the merchant: Back mode (vcard) or Transfer mode (wire transfer).
# Back mode
This method generates an eCard (virtual card):
- it's a debit bank card provisioned with 100% of the amount of the purchase.
- it's sent to merchant's PSP (Payment Service Provider) through a server to server API call to be authorized/captured.
# Transfer mode
This method relies on wire transfers:
- Pledg sends daily a bank wire transfer to the bank account of the merchant.
- Amount of the wire transfer is the sum of the successful orders of the day before, net of refunds.
- Settlement files are made available to monitore the operations.
# Contact
If you need help, do not hesitate to contact our services using [email protected]