{"title":"Sofort","category":"payment_method","creationDate":1670251800,"content":"<div class=\"additional-info-block output-inline\">\n<div class=\"additional-info-block__body\"><p><img style=\"width: 30px;\" alt=\"\" src=\"\/user\/pages\/docs\/08.payment-methods\/77.sofort\/sofort.svg?decoding=auto&amp;fetchpriority=auto\" \/>&nbsp; <strong>Read more<\/strong><\/p><p>Learn about pricing and settlement services for Sofort on <a href=\"https:\/\/www.adyen.com\/payment-methods#pmx=sofort\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">adyen.com<\/a>.<\/p><\/div><\/div>\n\n<p>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 <span translate=\"no\"><strong>directEbanking<\/strong><\/span> and was acquired by Klarna.<\/p>\n<p>There are some differences between Sofort and Klarna Pay Now:<\/p>\n<ul>\n<li>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.<\/li>\n<li>Sofort offers online banking and a lower fee. However, <a href=\"\/payment-methods\/sofort\/web-component#chargebacks\">Sofort chargebacks<\/a> are at your own risk and you cannot defend them.<\/li>\n<\/ul>\n<table class=\"table-payments-methods\">\n    <thead>\n        <tr>\n                            <th>\n                                            Payment type\n                                    <\/th>\n                            <th>\n                                            Payment flow\n                                    <\/th>\n                            <th>\n                                            Countries\n                                    <\/th>\n                            <th>\n                                            Currencies\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/tokenization\" target=\"_blank\">Recurring<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/refund\" target=\"_blank\">Refunds<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/refund\/#refund-a-payment\" target=\"_blank\">Partial refunds<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/refund\" target=\"_blank\">Multiple partial refunds<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/capture\" target=\"_blank\">Separate captures<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/capture\/#partial-capture\" target=\"_blank\">Partial captures<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/online-payments\/capture\/#multiple-partial-captures\" target=\"_blank\">Multiple partial captures<\/a>\n                                    <\/th>\n                            <th>\n                                            <a href=\"\/risk-management\/chargeback-guidelines\" target=\"_blank\">Chargebacks<\/a>\n                                    <\/th>\n                    <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n                                               <td>\n                     Online Banking\n                                        <\/td>\n                                                               <td>\n                     Redirect\n                                        <\/td>\n                                                               <td>\n                     International\n                                        <\/td>\n                                                               <td>\n                     CHF, EUR\n                                        <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                                    <span role=\"tooltip\" class=\"tooltip hint--left\" data-hint=\"through SEPA\tDirect Debit\" aria-describedby=\"through SEPA\tDirect Debit\">See note<\/span>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" alt=\"x\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" alt=\"x\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" alt=\"x\"><\/br>\n                                            <\/td>\n                                                                <td class=\"u-text-align-center\">\n                        <img class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" alt=\"checkmark\"><\/br>\n                                                    <span role=\"tooltip\" class=\"tooltip hint--left\" data-hint=\"no disputes, only non-settlement\" aria-describedby=\"no disputes, only non-settlement\">See note<\/span>\n                                            <\/td>\n                                    <\/tr>\n    <\/tbody>\n<\/table>\n\n<h2 id=\"supported-countries\">Supported countries\/regions<\/h2>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Country\/region<\/th>\n<th style=\"text-align: center;\"><code>countryCode<\/code><\/th>\n<th style=\"text-align: center;\"><code>amount.currency<\/code><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\">Austria<\/td>\n<td style=\"text-align: center;\">AT<\/td>\n<td style=\"text-align: center;\">EUR<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Belgium<\/td>\n<td style=\"text-align: center;\">BE<\/td>\n<td style=\"text-align: center;\">EUR<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Germany<\/td>\n<td style=\"text-align: center;\">DE<\/td>\n<td style=\"text-align: center;\">EUR<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Spain<\/td>\n<td style=\"text-align: center;\">ES<\/td>\n<td style=\"text-align: center;\">EUR<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Switzerland<\/td>\n<td style=\"text-align: center;\">CH<\/td>\n<td style=\"text-align: center;\">CHF<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">The Netherlands<\/td>\n<td style=\"text-align: center;\">NL<\/td>\n<td style=\"text-align: center;\">EUR<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Chargebacks<\/h2>\n<p>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:<\/p>\n<ul>\n<li>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.<\/li>\n<li>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.<\/li>\n<\/ul>\n<p>In these cases, Adyen is not informed that the transaction failed. We also do not know whether the bank might still process it later.<\/p>\n<p>On our side, the status of the payment is <span translate=\"no\"><strong>SentForSettle<\/strong><\/span> until we receive the funds. You can check the status of the payment in your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>.<\/p>\n<p>If we have not received the funds after eight (8) calendar days, the status of the payment becomes <span translate=\"no\"><strong>Settled<\/strong><\/span>, then <span translate=\"no\"><strong>Chargeback<\/strong><\/span>, and you receive a CHARGEBACK webhook.<\/p>\n<div class=\"notices red\">\n<p>You cannot defend Sofort chargebacks.<\/p>\n<\/div>\n<p>In case we receive the money after this point, you receive a CHARGEBACK_REVERSED webhook.<\/p>\n<h2>How do you want to integrate?<\/h2>\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/payment-methods\/sofort\/web\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><p><img style=\"width: 40px;\" alt=\"This is the web icon.\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/web\/web.svg?decoding=auto&amp;fetchpriority=auto\"><\/p><h6 class=\"next-steps__title\">Web<\/h6><p>Use our pre-built UI solutions to add Sofort to your website.<\/p><\/div><\/p><\/a><a href=\"\/payment-methods\/sofort\/ios\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><p><img style=\"width: 38px;\" alt=\"This is the iOS icon.\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/ios\/ios.svg?decoding=auto&amp;fetchpriority=auto\"><\/p><h6 class=\"next-steps__title\">iOS<\/h6><p>Use our pre-built UI solutions to add Sofort to your iOS app.<\/p><\/div><\/p><\/a><a href=\"\/payment-methods\/sofort\/android\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><p><img style=\"width: 35px;\" alt=\"This is the Android icon.\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/android\/android.svg?decoding=auto&amp;fetchpriority=auto\"><\/p><h6 class=\"next-steps__title\">Android<\/h6><p>Use our pre-built UI solutions to add Sofort to your Android app.<\/p><\/div><\/p><\/a><a href=\"\/payment-methods\/sofort\/api-only\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><p><img style=\"width: 38px;\" alt=\"This is the API only icon.\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/api-only\/checkout-api-only.svg?decoding=auto&amp;fetchpriority=auto\"><\/p><h6 class=\"next-steps__title\">API only<\/h6><p>Build your own UI for Sofort in your website, iOS, or Android app.<\/p><\/div><\/p><\/a><a href=\"\/unified-commerce\/pay-by-link\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><p><img style=\"width: 38px;\" alt=\"This is the Pay by Link icon.\" src=\"\/user\/pages\/reuse\/image-library\/01.icons\/pay-by-link\/pay-by-link.svg?decoding=auto&amp;fetchpriority=auto\"><\/p><h6 class=\"next-steps__title\">Pay by Link<\/h6><p>Add  Sofort to your payment methods, and use Pay by Link to accept payments.<\/p><\/div><\/p><\/a><\/div>\n","url":"https:\/\/docs.adyen.com\/payment-methods\/sofort","articleFields":{"description":"Learn how to accept Sofort payments.","robots":"noindex,nofollow","feedback_component":true,"next_steps_description":"","parameters":{"payment_method":"Sofort"},"last_edit_on":"12-09-2023 14:29","payment_method":{"info":{"name":"Sofort","tx_variant":["directEbanking"],"type":"Online Banking","payment_flow":"Redirect","supported_integrations":{"api-only":{"supported":true},"web-drop-in":{"supported":true},"web-component":{"supported":true},"ios-drop-in":{"supported":true},"ios-component":{"supported":true},"android-drop-in":{"supported":true},"android-component":{"supported":true},"react-native-drop-in":{"supported":false},"react-native-component":{"supported":false}}},"features":{"recurring":true,"refunds":true,"partial_refunds":true,"multiple_partial_refunds":true,"chargebacks":true,"separate_captures":false,"partial_captures":false,"multiple_partial_captures":false},"features_note":{"recurring":"through SEPA\tDirect Debit","chargebacks":"no disputes, only non-settlement"},"countries":["AT","BE","DE","NL","ES","CH"],"processing_currencies":["CHF","EUR"],"processing_settlement":["CHF","EUR"]},"display_in_overview":false,"page_id":"67e9b7d1-27ef-4ce1-b36c-8c1d96052b74"},"algolia":{"url":"https:\/\/docs.adyen.com\/payment-methods\/sofort","title":"Sofort","content":"\n&nbsp; Read moreLearn about pricing and settlement services for Sofort on adyen.com.\n\nSofort 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.\nThere are some differences between Sofort and Klarna Pay Now:\n\nKlarna 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.\nSofort offers online banking and a lower fee. However, Sofort chargebacks are at your own risk and you cannot defend them.\n\n\n    \n        \n                            \n                                            Payment type\n                                    \n                            \n                                            Payment flow\n                                    \n                            \n                                            Countries\n                                    \n                            \n                                            Currencies\n                                    \n                            \n                                            Recurring\n                                    \n                            \n                                            Refunds\n                                    \n                            \n                                            Partial refunds\n                                    \n                            \n                                            Multiple partial refunds\n                                    \n                            \n                                            Separate captures\n                                    \n                            \n                                            Partial captures\n                                    \n                            \n                                            Multiple partial captures\n                                    \n                            \n                                            Chargebacks\n                                    \n                    \n    \n    \n        \n                                               \n                     Online Banking\n                                        \n                                                               \n                     Redirect\n                                        \n                                                               \n                     International\n                                        \n                                                               \n                     CHF, EUR\n                                        \n                                                                \n                        \n                                                    See note\n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                            \n                                                                \n                        \n                                                    See note\n                                            \n                                    \n    \n\n\nSupported countries\/regions\n\n\n\nCountry\/region\ncountryCode\namount.currency\n\n\n\n\nAustria\nAT\nEUR\n\n\nBelgium\nBE\nEUR\n\n\nGermany\nDE\nEUR\n\n\nSpain\nES\nEUR\n\n\nSwitzerland\nCH\nCHF\n\n\nThe Netherlands\nNL\nEUR\n\n\n\nChargebacks\nIn 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:\n\nThe 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.\nSome 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.\n\nIn these cases, Adyen is not informed that the transaction failed. We also do not know whether the bank might still process it later.\nOn 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.\nIf 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.\n\nYou cannot defend Sofort chargebacks.\n\nIn case we receive the money after this point, you receive a CHARGEBACK_REVERSED webhook.\nHow do you want to integrate?\n\nWebUse our pre-built UI solutions to add Sofort to your website.iOSUse our pre-built UI solutions to add Sofort to your iOS app.AndroidUse our pre-built UI solutions to add Sofort to your Android app.API onlyBuild your own UI for Sofort in your website, iOS, or Android app.Pay by LinkAdd  Sofort to your payment methods, and use Pay by Link to accept payments.\n","type":"page","locale":"en","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Payment methods","lvl2":"Sofort"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/payment-methods","lvl2":"\/payment-methods\/sofort"},"levels":3,"category":"Payment method","category_color":"green","tags":["Sofort"]},"articleFiles":{"sofort.svg":"<img style=\"width: 30px;\" alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/08.payment-methods\/77.sofort\/sofort.svg?decoding=auto&amp;fetchpriority=auto\" \/>"}}