DIMOCO

DIMOCO: A Merchant’s Overview Of Acquiring, APMs, Open Banking, And Carrier Billing

Choosing a payment partner affects conversion, risk, and operating costs. DIMOCO is a licensed European payment institution that offers card acquiring, alternative payment methods, open banking, and carrier billing under one umbrella.

DIMOCO At A Glance

DIMOCO Payments GmbH is a licensed payment institution supervised by the Austrian Financial Market Authority. It focuses on digital and non-digital commerce across the EEA and beyond, combining several rails in a single offering:

• Card acquiring for online credit and debit card payments

• Alternative payment methods (APMs) tailored to local markets

• Open banking account-to-account payments in Europe

• Direct carrier billing that extends beyond digital content via an agent model

The company merged its payment entities under DIMOCO Payments in 2022, simplifying contracting and product access for merchants.

Core Payment Capabilities

Card Acquiring

DIMOCO’s acquiring service is designed for ecommerce and in-app use. Key functional components include:

• Checkout choices: server-to-server APIs, hosted payment pages, or embedded checkouts

• Security and compliance: PCI DSS compliant platform and support for 3D Secure to meet SCA requirements

• Data protection features: tokenization, card-on-file support, and account updater to reduce involuntary churn

• Optimization: real-time routing and monitoring to improve authorization rates and detect issues quickly

• Reconciliation: reporting aimed at fast matching of settlements and fees

• Settlement currencies: EUR, USD, GBP, CHF, and DKK

These components support recurring billing, one-click payments, and international sales while keeping fraud controls aligned with scheme expectations.

Alternative Payment Methods

DIMOCO provides a configurable catalog of APMs so merchants can localize checkout. The catalog spans European banking options like iDEAL, EPS, SEPA Direct Debit, Sofort, Trustly, and regional cash or wallet methods. A maintained APM list is available as a downloadable specification, which helps technical and operations teams evaluate coverage and capabilities.

Typical advantages of adding APMs include higher conversion in local markets, lower costs for bank-based rails, and a reduced dependency on cards for specific customer segments.

Open Banking

Open banking is offered as a PSD2-compliant account-to-account rail across Europe. It is positioned as a modern alternative to cards with:

• No chargebacks on fraud claims due to bank authentication

• Lower costs by avoiding scheme fees where appropriate

• Faster settlement that can improve working capital

• Real-time confirmation and reporting suitable for digital services and pay-by-bank flows

Merchants can integrate open banking via API alongside cards and APMs to present a unified checkout.

Carrier Billing

Carrier billing lets end users charge purchases to their mobile phone bill or prepaid balance. DIMOCO supports traditional digital content use cases and extends reach to physical and regulated verticals through an agent model in which mobile network operators act as agents of DIMOCO. Highlights:

• Frictionless UX: no card entry or wallet login

• Compliance framework: operator agent appointments under DIMOCO’s license to meet PSD2 rules

• Use cases: mobility and EV charging, vending, ticketing, lifestyle subscriptions, and regulated iGaming in supported markets

For specific jurisdictions, DIMOCO has communicated regulator approvals that allow carrier billing within defined limits for licensed operators.

Risk Management And Compliance

Payment performance is closely tied to fraud controls and dispute handling. DIMOCO provides:

• 3D Secure orchestration for SCA compliance and to tune friction by scenario

• Rule-based risk management to calibrate between acceptance and fraud prevention

• Real-time monitoring to surface anomaly patterns and error codes that affect conversion

• Scheme compliance updates relevant to high-risk verticals such as iGaming, including guidance on changing acquirer monitoring frameworks

Merchants should review how DIMOCO’s risk tooling integrates with their existing systems, particularly if they already operate fraud platforms, and how chargeback reporting is exposed in the portal.

Integration Options And Developer Experience

Technical teams can choose the level of control they need:

• Server-to-server API for full UX ownership and custom checkout flows

• Hosted pages or prebuilt components for faster time to market

• Tokenization and card-on-file features to enable subscriptions and one-click flows

• Consolidated reporting across cards, APMs, open banking, and carrier billing

Ask for current API guides, SDKs, and example flows for your stack, plus a list of supported webhooks for reconciliation and risk events.

Settlement, Currencies, And Reconciliation

Operational fit depends on cash and accounting needs. With DIMOCO’s acquiring:

• Settlement currencies available include EUR, USD, GBP, CHF, and DKK

• Consolidated payout reporting is designed to align fees, chargebacks, and transaction volumes

• Multi-user access controls in the merchant portal help segregate duties for finance, operations, and support teams

Confirm settlement frequency, funding timelines, reserve policies, and statement formats during onboarding.

Industry Focus And Use Cases

DIMOCO positions its capabilities across:

• Ecommerce and subscriptions: card-on-file, account updater, and APMs to reduce churn

• Mobility and lifestyle: practical uses of carrier billing for ad-hoc purchases where speed matters

• iGaming and betting: tailored risk and compliance support, including strong authentication and dispute minimization practices aligned with scheme rules

Merchants in these verticals should map customer flows against the available rails to choose the optimal method per market and channel.

Strengths

• Multiple rails under one provider: acquiring, APMs, open banking, and carrier billing reduce vendor sprawl

• European regulatory footprint: licensed payment institution status with a framework to appoint MNO agents where applicable

• Conversion features: account updater, tokenization, and routing strategies are built in

• Checkout flexibility: from hosted pages to S2S and mixed APM catalogs

Who DIMOCO Suits Best

• Cross-border merchants who want to combine cards with localized APMs and open banking in Europe

• On-the-go or impulse-driven journeys where carrier billing’s frictionless UX can lift conversion

• Regulated or higher-risk verticals that need active scheme compliance guidance and 3DS strategy

• Subscription businesses needing card-on-file, account updater, and multi-rail retries to reduce churn

Conclusion

DIMOCO combines card acquiring, local APMs, open banking, and carrier billing within a single European regulatory framework. For merchants expanding across the EEA, the ability to select the right rail per market and to fine-tune SCA, risk, and routing in one place can simplify expansion and improve performance.