Bankomat Card

Country: Austria (AT) | Payment Rail: card_network

Card Market Adoption: 22%

Bankomat is the Austrian national debit card scheme and payment clearing infrastructure operated by PSA, featuring secure chip-and-PIN and contactless bank debiting and widely used for retail POS transactions, ATM withdrawals, and domestic debit e-commerce.

🔄 User Payment Flow

Customer selects Debit Card (Bankomat) at merchant checkout
Customer inputs 16-digit card number, expiration date, and CVV
Customer completes 3D Secure biometric confirmation via their Austrian mobile banking app
Bank verifies and authorizes payment instantly

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	NO
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant sends card details via PSP gateway
PSP triggers 3D Secure 2.0 challenge flow with Austrian issuing bank
PSP receives authorization token and captures payment

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen