The online payment method Sofort is a service rendered by the company Sofort GmbH. The Sofort system is not affiliated to any bank and is available to all customers with checking accounts with an activated online function. Sofort is now available in 13 European countries.


The consumer enters the authentication data (PIN and xTAN) via a digital transfer form, which is provided by the Sofort systems. Sofort will then conduct the transfer on behalf of the consumer at his or her bank. All transactions that the consumer carries out via Sofort are insured against PIN/TAN misuse, phishing and pharming. Sofort does not provide a payment guarantee to you as a merchant. However, the company itself claims a "payment security" based on very low default rates of less than 0.3%. Nevertheless, it is quite possible that a customer cancels the transfer after it was already issued (and the bank was notified via PSP).

Requirements for the consumer

The online payment processing solution Sofort is not only used in Germany, but also available to consumers in Austria and the Netherlands. Merchants with their own business bank account in Switzerland, can opt to enable Sofort for their customers in Switzerland. Everything that the consumer needs to pay via Sofort is a bank account with a bank or savings bank in Germany, Austria, Switzerland, and/or the Netherlands which is enabled for online banking and is supported by Sofort.

Requirements for you as a merchant

For you as a merchant, accepting Sofort requires little effort, since BS PAYONE provides the technical implementation and the required acceptance contract and takes care of all formalities.

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