Payment methods by country

Payment methods Germany.

One of the main reasons why German customers abandon their online shopping cart is that they cannot pay with known and trusted payment methods. German consumers like to choose security and therefore prefer to pay in cash. Online, post-payment methods are especially popular.

What other payment methods in Germany are important if you have a German webshop? And did you know that you are obliged to offer at least one free payment method in Germany?

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Most popular payment methods Germany

About Germany
  • 84 million inhabitants
  • Currency is the Euro
  • 92% of all consumers shop online
  • Distribution of e-commerce orders:
    • 94% national
    • 58% EU
    • 27% outside EU

For German online shoppers, security and reliability of a payment method play an important role. Previously, they therefore preferred to pay by bank transfer, but partly due to the corona pandemic, that is changing.

Cash payments in stores were replaced more by contactless payments due to hygiene concerns. And as a result, German consumers also became familiar with other German payment methods online. In most cases, consumers choose a post-payment method.

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Payment methods Germany

Below is an overview of the main payment methods in Germany.

Post-payment methods: most used payment method in Germany

Post-payment (or Kauf auf Rechnung) is a popular payment method in Germany. German consumers have traditionally liked to pay afterwards. In part, it is therefore stipulated by law that it should be possible to have the purchase in your hands before payment has been made.

By offering a post-payment method in the webshop, you reduce the chance that the customer does not complete his purchase by 79%. It is therefore the way to gain the trust of German online shoppers. When it comes to the most popular payment methods in Germany, Klarna and Riverty are at the top.

PayPal

PayPal offers the possibility to pay both immediately and later. A PayPal payment can be made from desktop, cell phone or tablet, without leaving credit card or bank details. Because of buyer protection, PayPal is a very widely used payment method in Poland, as in other European countries.

In Germany, PayPal is mainly used for slightly smaller purchases. For larger purchases, consumers prefer to pay by credit card.

Credit cards

German consumers like to choose security: credit card companies offer that security. So it is no surprise that as many as half of German consumers have a credit card.

The German market has several credit card providers, such as Mastercard, Visa and American Express.

SOFORT

SOFORT banking is a German payment method that is very similar to paying by bank. SOFORT makes it possible to pay from Germany through one's own familiar banking environment.

It actually works the same as a bank transfer, only the customer does not have to wait until the money is actually transferred. The bank gives immediate approval to proceed with the purchase.The advantage is that the consumer does not have to create an account.

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