<P> Several billing solutions have been devised specifically for web - based merchants to accept alternative payments online and to support and access distant markets . Alternative payments are used throughout North America, Europe and Asia, and have penetration levels of sixty percent or more in various countries . Language, currency and support, including trust and familiarity, often contribute to the success of a domestic alternative payment solution . </P> <P> Debit cards and charge cards are accepted worldwide as alternative payment and in some cases, debit cards are designed exclusively for use on the Internet, and there is no physical card only a virtual card . Certain systems also require the use of a PIN when a debit is used for online purchases . </P> <P> European online direct debit solutions are particularly popular due to the lower use of credit cards in Europe as compared to other countries like the United States . Transactions can be approved in real - time and funds in 1 to 3 business days . Chargebacks remain a risk inherently when debiting a consumer's bank account, however, using additional verification systems reduces the risk significantly and many payment processors maintain an extensive fraud database that mitigates the risks . </P> <P> Using bank transfers to accept payments does not carry any inherent risk to the merchant, which makes it particularly attractive to both high and low risk merchants seeking to reduce chargebacks . The drawback to this approach from a merchant's perspective are that re-billing cannot be made automatic and billing does not occur quickly, as their customers must manually transfer the funds . </P>

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