Payment methods in Germany

A payment method uniquely popular in Germany where customers receive their goods first and pay the invoice afterward. Deeply embedded in German consumer culture, especially in the online fashion sector. Offered by merchants directly or via providers like Klarna and Afterpay.

A Swedish BNPL provider that is a dominant player in Germany, offering pay-later invoice, instant bank transfer, and installment payment options. One of Germany's most widely used checkout payment methods.

Installment and deferred payment services — led by Klarna — that allow consumers to pay for purchases in instalments or at a later date. Has seen explosive growth across Germany over the past five years.

A widely used bank transfer method in Germany formerly branded as SOFORT, now operated by Klarna. Customers log into their bank via a secure interface and confirm the transfer directly. Merchant receives instant confirmation. Flow: User selects Klarna Open Banking, logs into their bank via a secure interface, confirms the transfer. Merchant receives instant confirmation while settlement completes.

A BNPL provider offering split payment options at checkout. Available in Germany and 6 other European markets, growing in German e-commerce as an alternative to Klarna.

European BNPL offering 3-installment payment at checkout. Active in Germany and 8 other European markets, with particular strength in fashion and lifestyle retail categories.