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


Shopper chooses SOFORT from the list of payment methods.

Select bank

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

Enter bank details

Shopper enters bank details.

Select account

Shopper selects their account.

Confirm payment

Shopper confirms the payment.

Confirmation page

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

How SOFORT works on mobile



Shopper chooses SOFORT from the list of payment methods.

Select bank - option 1

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


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.


Enter details

The shopper enters bank details.

Online banking login

Shopper logs into online banking and confirms the payment.

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 a processing fee + payment method fee per transaction.

Commission per transaction, may differ per region.

Different commissions apply depending on the payment method.

The Adyen platform supports all key payment methods globally.

See the full list

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