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Sofort

Learn how to accept Sofort payments.

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Learn about pricing and settlement services for Sofort on adyen.com.

Sofort is a popular online banking method in Europe. It allows shoppers to use their own online banking details to make a payment. Sofort is also known as directEbanking and was acquired by Klarna.

There are some differences between Sofort and Klarna Pay Now:

  • Klarna Pay Now offers direct debit and online banking. This is a guaranteed setup, meaning Klarna takes the risk on these payments. This comes with a higher fee.
  • Sofort offers online banking and a lower fee. However, Sofort chargebacks are at your own risk and you cannot defend them.
Payment type Payment flow Countries Currencies Recurring Refunds Partial refunds Multiple partial refunds Separate captures Partial captures Multiple partial captures Chargebacks
Online Banking Redirect International CHF, EUR checkmark
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Supported countries/regions

Country/region countryCode amount.currency
Austria AT EUR
Belgium BE EUR
Germany DE EUR
Spain ES EUR
Switzerland CH CHF
The Netherlands NL EUR

Chargebacks

In rare scenarios (around 0.2% of all cases), it is possible that you do not receive the funds even after receiving a successful AUTHORISATION webhook. The successful AUTHORISATION webhook means that the payment has passed the verifications that the issuer and Sofort run on the shopper account, and that the bank transfer was initiated successfully. However, the payment can still fail for the following reasons:

  • The shopper cancelled the transaction. Banks in some countries/regions (including Germany) allow shoppers to cancel bank transfers until midnight of the day of the transaction. In Switzerland, banks are required by law to allow shoppers to reverse bank transfers for 48 hours.
  • Some banks process transactions with a delay and do not block the funds for an authorized Sofort payment. For example, if the shopper completes a Sofort payment on a Saturday, it is possible that the bank doesn't process the payment until Monday. If the shopper has withdrawn sufficient funds in the meantime, the payment will fail.

In these cases, Adyen is not informed that the transaction failed. We also do not know whether the bank might still process it later.

On our side, the status of the payment is SentForSettle until we receive the funds. You can check the status of the payment in your Customer Area.

If we have not received the funds after eight (8) calendar days, the status of the payment becomes Settled, then Chargeback, and you receive a CHARGEBACK webhook.

You cannot defend Sofort chargebacks.

In case we receive the money after this point, you receive a CHARGEBACK_REVERSED webhook.

How do you want to integrate?