FAQsCredit checksCredit checksOur products and servicesOur products and servicesService detailsDeclined purchasesAccount detailsCredit checksTrade-inInstant Payment (PSD2)FinancialsSpecial circumstancesMore helpPurchases and deliveriesPurchasesIn-store purchasesDeliveriesReturns and refundsCancellationsReturnsRefundsPaymentsMaking paymentsManaging paymentsPayment problemsFraud and securityFraud preventionIdentity verificationAuthentication checksData protectionReporting fraudOpenbank Pay rebrandCustomer infoOur products and servicesAbout Openbank PayProducts and servicesPricingGetting started with Openbank PayReturns and refundsManaging refundsCancellationsSettlementsSettlement reportsReceiving paymentsOnboarding and integrationStart working with usIntegrationFraud and securityFraud preventionOpenbank Pay rebrandMerchant infoWhat are credit checks?Frequently asked questionsWhy do I have to provide my online banking credentials in the Openbank Pay link-up process?Does Openbank Pay perform credit checks and could they affect my credit score?