Accept Discover payments with Checky Pro

One in several American wallets carries a Discover card. If you sell to the United States, it is the card that quietly decides a share of your orders.

See all 24 methods

New here? Checky Pro is the payments & checkout platform for modern e-commerce — Discover is one of the 21 payment methods you can switch on today.

What is Discover?

Discover is one of the four card networks that matter in the United States, alongside Visa, Mastercard and American Express. Like Amex it is a closed loop: Discover issues its own cards and runs its own network, rather than sitting between thousands of banks the way Visa and Mastercard do.

It is also bigger than it looks from Europe. The Discover Global Network carries Diners Club as well, and has reciprocal agreements with networks in other regions — which is why a card you have never seen in Amsterdam can still arrive in your checkout from an American customer.

For a European store selling to the US, that is the whole case. Discover cardholders are concentrated in one market, they tend to use the card as their main one, and they rarely carry a backup for online purchases. Accepting it is not about volume across your whole business; it is about not turning away a slice of your American traffic at the final step.

What Discover can do

Coverage, costs and capabilities. Every method page answers the same questions in the same order, so you can compare two methods line by line.

Coverage

Payment type: Card network — credit
Channel: Online
Consumer countries: Worldwide
Available for: Companies in the EU, UK & US

Your company is registered in

Pricing & settlement

Processing fee: 2,95% + € 0,25Per successful transaction with EEA cards · +1% for UK cards · +1,75% for premium, business and international cards
Authorization fee: NoneThe € 0,25 is part of the price above — no separate fee per attempt.
Currency conversion: 2%Only when your customer pays in another currency than the one you are paid out in.
Settlement currency: EURPayout in GBP or USD is possible too, at the 1% multi-currency fee.
Settlement: 3–7 business days

Features

Refunds: Supported.
Partial refunds: Supported.
Recurring payments: Supported.
3-D Secure: Supported.ProtectBuy, the Discover Global Network programme
Express wallet buttons: Supported.Discover cards work in Apple Pay and Google Pay
Multi-acquirer routing: Supported.A declined payment retries on the next route
Chargebacks: Supported.From € 25,00 per dispute
Chargeback alerts: Supported.

Prices follow the region above and come from the same rate card as the pricing page. They may still vary with merchant profile, processing volume and acquiring setup.

Why Discover, and why through Checky Pro

The top row is the method itself; the bottom row is what our platform adds on top of it.

A main card, not a spare

Discover cardholders typically use it as their primary card. When it is refused there is often no second card waiting in the drawer.

It covers Diners Club too

Both run on the Discover Global Network, so enabling the network reaches two card brands instead of one.

Cheaper for US companies

For a US entity, a US-issued Discover card is charged as a domestic card rather than an international one.

Routes that carry the network

Discover coverage varies per acquirer. Multiple partners sit behind your checkout, so the payment reaches one that supports it.

The rate is published

No scheme-specific pricing hidden in an annex — Discover is on the same public rate card as every other network.

Disputes handled early

Issuers often warn us before a chargeback is filed. Refund inside that window and it never becomes a dispute.

How a Discover payment works

From click to balance — what your customer sees, and what happens behind it.

1
Customer pays
The card goes into the same fields as any other — the network is detected from the number.
2
Bank verifies
ProtectBuy runs when the issuer asks for it, in the customer’s own banking app.
3
Authorised in seconds
The payment takes an acquiring route that carries the Discover Global Network.
4
Settled to your balance
Added to your Checky Pro balance and paid out in 3–7 business days.

Discover, answered

Still something open? The team answers on WhatsApp, usually the same day.

What does accepting Discover cost?

For EU companies it is priced as an international card: 4,7% + € 0,25. For US companies a US-issued Discover card is charged at the US card rate instead. Both are on the pricing page.

Can Hong Kong companies accept Discover?

Not at the moment — our acquiring coverage for Hong Kong entities includes Visa, Mastercard, American Express, UnionPay, JCB and Cartes Bancaires, but not Discover or Diners Club.

Is Discover the same as Diners Club?

They are separate brands on the same network. Enabling card acceptance through us covers both — each shows up under its own name in the dashboard.

When do I receive the money?

Discover payments settle into your Checky Pro balance in 3–7 business days and pay out on your regular payout schedule.