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Riverty

Riverty, previously known as AfterPay, stands as a premier BNPL provider in Europe, offering customers adaptable payment solutions throughout the continent.

Riverty's offerings seamlessly integrate and prioritize bolstering consumer allegiance while driving conversion rates. Riverty assumes responsibility for all financial consumer risk and dunning processes, enabling customers to concentrate on their primary business endeavors.

How it works

Key information

Available country codes

NL, BE, DE, AT

Supported merchant locations

Austria, Belgium, Denmark, Finland, Germany, Netherlands, Norway, Switzerland, Sweden, United Kingdom

Supported currencies

EUR

Minimum transaction amount

NL: EUR 5.00
BE: EUR 5.00
DE: EUR 5.00
AT: EUR 5.00

Maximum transaction amount

NL: EUR 2,500.00
BE: EUR 1,250.00
DE: EUR 1,500.00
AT: EUR 1,500.00

Session timeout

15 minutes

Supported Operations

Full capture
Full refund
Partial refund (multiple)

Refund validity

Riverty does not have any refund expiry time.

Recurring

No

Settlement delay

5 business days

Chargeback risk

Yes

Chargeback period

Chargeback Expiry Time: 90 Days
Chargeback Challenge Time: 20 Days
Resolution Period Time: 53 Days

Integration details

API method name

riverty

Supported API

Payments API, Orders API

Required fields

lines
billingAddress.givenName
billingAddress.familyName
billingAddress.streetAndNumber
billingAddress.postalCode
billingAddress.city
billingAddress.country
billingAddress.email

Resource pack

Available here

For more details, head to our Place a hold for a payment guide.

Conversion Rate

In order to ensure highest Acceptance Rates and providing best customer experiences, Riverty suggests the following:

  • Address handling
    • Ensure to send in separate shipping and billing address in case they are different
    • Ensure that delivery/shipping address throughput is correct (eg. home address, pick-up point or store pick-up point)
  • Orderlines
    • Check that a proper item description is submitted and contains name of the brand and name of the product
    • Provide the product URL per line item
    • Provide the image URL per line item
    • Ensure that the right VAT amount and VAT rate is transmitted per line-item

Visual- & Compliance-Guidelines

  • General Check for all (new) Clients
    • Make sure to follow Riverty's Best Practices by using the sitewide Integration Guide. Be sure to use Riverty's latest logos, visual style, and FAQs.
  • Specific Check for the Netherlands
    • Ensure that no 'payment surcharge' for BNPL end-users is set in the webshop, as additional BNPL costs for end-users are restricted by law.
  • Specific Check for DACH
    • Ensure that Webshop T&Cs specify German/Austrian law for customers in those countries if the business operates there. Adapt if located elsewhere. For broader explanation check out this link.
  • Ensure to add the Riverty FAQ for consumers to the shops 'payment methods information'-page.

Disputes

Riverty has baseline requirements that merchants must meet during the shipping and fraud prevention processes. Riverty retains the right to chargeback payments if a merchant does not follow the rules laid out in Schedule 8, APPENDIX 1 of the merchant agreement. For example, a consumer may dispute an invoice if the delivery of products did not occur or if the products delivered are faulty.

Dispute flow

  • Dispute Notification | The consumer starts a new dispute and Riverty will notify you (the Merchant) of the new issue via email. Riverty asks you (the merchant) to contact the consumer and reach an agreement. The consumer can close the dispute from the Riverty app.
  • Request for Information | On Day 21, if the dispute is still open, Riverty email you and ask you (the merchant) to provide challenging information on the dispute.
  • Information Supplied | You (the merchant) will provide challenge information on the dispute via the Riverty dispute portal.
  • Decision | Riverty decides dispute resolution. If Riverty decides the dispute in favour of you (the merchant), Riverty will continue to collect the claim from the consumer.
  • Information Supplied | If the dispute was in favour of the consumer, you (the merchant) can appeal the decision and provide additional proof via the Riverty dispute portal.
  • Final Decision | If Riverty again decides in favour of the consumer, the chargeback and dispute fee are posted. If Riverty decides the dispute in favour of the merchant, Riverty will continue to collect the claim from the consumer.

Further details on Riverty disputes can be found here.

Updated 2 months ago