Reach 20 million customers in 7 countries across Europe

Sofort logo

SOFORT is the main online direct payment method and works via online banking. It is the predominant online banking method in countries such as Germany, Austria, Switzerland and Belgium, making it a must-have for any business wanting to operate in this area.

  • Widely supported across Europe
  • 20 million users
  • Instant account verification
  • Secure, protected payments 
  • Risk reduction for recurring SEPA charges

How SOFORT works on desktop

First step in SOFORT checkout screen


Shopper chooses SOFORT from the list of payment methods.

Second step in SOFORT checkout screen to select bank

Select bank

Shopper is redirected to the online banking environment, chooses the country and enters the name of the bank.

Third step in SOFORT checkout screen to select bank details

Enter bank details

Shopper enters bank details.

Fourth step in SOFORT checkout screen to select account

Select account

Shopper selects their account.

Fifth step in SOFORT checkout screen to confirm payment

Confirm payment

Shopper confirms the payment.

SOFORT payment confirmation page

Confirmation page

Shopper reaches the confirmation page and is redirected back to the merchant's site.

How SOFORT works on mobile


Sofort step 1


Shopper chooses SOFORT from the list of payment methods.

SOFORT select bank payment flow

Select bank - option 1

After selecting SOFORT the shopper chooses their bank by selecting their country and sort code.


SOFORT select bank option 2 payment flow

Select bank - option 2

If the sort code is not on hand, the shopper can also select their bank via keyword search and choose from a list.


SOFORT enter details in payment flow

Enter details

The shopper enters bank details.

SOFORT online login section in payment flow

Online banking login

Shopper logs into online banking and confirms the payment.

SOFORT confirmation page in payment flow

Confirmation page

The shopper reaches the confirmation page and is then redirected to the merchant's site. 

Accept SOFORT with Adyen

Adyen offers a full-service SOFORT solution, including reconciliation, reporting and settlement services.

Market Europe
Settlement currency


Channel Ecommerce
Processing currencies CHF EUR
Recurring transactions Yes, via SEPA direct debit
Refunds Yes
Partial refunds Yes
Settlement delay 2-4 days
Chargebacks Yes


We charge:

Adyen processing fee + payment method fee

Commission per transaction, may differ per region.

Different commissions apply depending on the payment method.

Processing fee Payment method fee
€ 0.10 Physical goods (incl. travel & ticketing): 1% | Digital goods: 2%

The Adyen platform supports all key payment methods globally.

See the full list

Ready to integrate?

Client Side Encryption

Keep full control over page design and customer data without the burden of PCI compliance with Client Side Encryption, where payment data is encrypted before it passes through your system.

Adyen's API integration

Host your own payment pages and in-app checkout screens with control of transaction management and shopper data. With this integration, data is routed to your own server, so you must be PCI compliant.

Directory Lookup

Dynamically serve a targeted list of relevant payment methods based on your shoppers’ location, basket value or currency.