Sofort

Integrate Sofort and allow the merchant to receive real-time confirmation of the transfer order and dispatch the goods or allow the download immediately.

Payment Method Properties

Available country codesAT, BE, CH, DE, ES, NL
Processing (Presentation) currenciesEUR, CHF
Settlement currenciesEUR, CHF
Consumer currenciesEUR, CHF
Channel member tagdirectpay
Scheme name in the settlement fileDirectpay
Minimum transaction amountEUR 1 (or equivalent)
Maximum transaction amountLow&medium risk: EUR 5,000

High risk: EUR 2,500

A VIP project can be enabled on request. The limits for VIP project are:

5,000,00 EUR / 24h 10,000,00 EUR / 24h 15,000,00 EUR / 36h 25,000,00 EUR / 24h There is an exception if an end consumer's bank has set a lower payment limit for the end consumer’s bank account than the above determined limit(s) for SOFORT. If this is the case, a SOFORT transaction exceeding this bank account limit is not possible.
Session timeout1 hour
RefundFull, partial and multiple partial refunds are all available.
Refund Validity365 days
ChargebackNo
Integration TypeAsynchronous
SandboxScheme-hosted

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Note

For this country code, only EUR is supported for processing and settlement.

Transaction Flow

  1. The consumer selects Sofort as their preferred payment method.
  2. They are redirected to a payment page where they are presented with a list of supported banks.
  3. The consumer selects a bank from the list and authenticates using their login credentials and TAN in order to confirm the payment.
  4. The merchant receives the payment confirmation.
  5. The merchant can ship the order/deliver the goods to the consumer.

Sofort Integration

Specific input parameters for the TRANSACTION call

There are no specific input parameters for the TRANSACTION call.

For standard input parameters, see Input parameters for the TRANSACTION call.

Specific output parameters for the TRANSACTION call

Field NameTypeDescription
SPECOUT.PAYMENTPURPOSEasciiReflects what a consumer sees on the proof of payment
SPECOUT.SRCBANKNAMEasciiThe bank name of the consumer’s account
SPECOUT.SRCACCOUNTHOLDERasciiThe name of the account holder
SPECOUT.SRCACCOUNTNUMBERasciiConsumer’s account number
SPECOUT.SRCBANKCODEasciiBank code of the consumer’s account
SPECOUT.SRCIBANasciiIBAN of the consumer’s account
SPECOUT.SRCBICasciiBIC of the consumer’s account
SPECOUT.SRCCOUNTRYasciiThe 2-letter ISO code of the country from where the consumer makes the payment. This parameter is only returned if allowCountryCodeSelection is enabled.

For standard output parameters, see Output parameters for the TRANSACTION call.

TRANSACTION call input

tag=directpay
&txtype=TRANSACTION
&countrycode=DE
&currency=EUR
&amount=1055
&merchanttxid=CeBBt4sATxs9
&login=johndoe
&password=wXBrpVporFVjGO4R
&contractid=JOHNDOE
&channel=testchannel
&preferredlanguage=en
&merchantredirecturl=https%3A%2F%2Fmerchant.com%2Fwork%2Fppro2%2Flanding.php
&notificationurl=https%3A%2F%2Fmerchant.com%2Fwork%2Fppro2%2Fnotification.php
&specin.dynamicdescriptor=DynDescriptor
&accountholdername=Tester%20Doe
&returnmode=urlencodeext

TRANSACTION call output

REQUESTSTATUS=SUCCEEDED
&STATUS=SUCCEEDED
&TXID=600684703
&ERRMSG=
&CHANNEL=testchannel
&TAG=directpay
&PAYMENTGUARANTEE=NONE
&REDIRECTSECRET=wB7uCB6OTiVukEWCbNAhQDkFdEvVEEFr
&SPECOUT.PAYMENTPURPOSE=3QLHMAI DynDescriptor
&SPECOUT.SRCACCOUNTHOLDER=Max Mustermann
&SPECOUT.SRCACCOUNTNUMBER=23456789
&SPECOUT.SRCBANKCODE=88888888
&SPECOUT.SRCBANKNAME=Demo Bank
&SPECOUT.SRCBIC=SFRTDE20XXX
&SPECOUT.SRCCOUNTRY=DE
&SPECOUT.SRCIBAN=DE06000000000023456789

Additional Information

Transactions may change from any state, especially from FAILED to a SUCCEEDED state at any time. SUCCEEDED itself is considered a stable state.

Branding Guidelines

For information regarding branding, see the Sofort official website.

FAQ

How is Sofort different from Klarna Pay now?

Sofort and Klarna Pay now are two different integrations. Sofort is a non-guaranteed payment method. Klarna Pay now offers a payment guarantee, which covers all industries except for:

  • Financial Services (trading, money remittance)
  • Gambling
  • Lottery
  • Other high-risk digital

For the above industries, merchants must use Sofort.

Sofort and Klarna Pay now use the same redirect Sofort URL. However, Sofort redirects to a different page for consumer banking details.

Sofort and Klarna Pay now must be represented using the same branding elements on the merchant payment page. For more information about payment badges and descriptors, see this page.

Are you integrating Klarna? Find the documentation here.

What languages does Sofort support?

Sofort supports the local language(s) of a market in addition to English. For example, Sofort in Italy supports Italian, German for the German-speaking population in the North of the country, and English. However, Sofort supports only German and English in Germany; Italian is not supported in Germany.

Why do some consumers get an ambiguous error when selecting their bank?

Sofort works externally from the banks within its network. Technical changes on the bank's side can cause a temporary disruption with Sofort's ability to scrape the login process with the bank. These disruptions are usually short.