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About Sofort and Pay now.

SOFORT Banking is a real-time bank transfer payment method that shoppers based in Austria, Belgium, France, Germany, Italy and Spain can use to transfer funds directly to merchants from their bank accounts.

Note:  From the 28th of August 2017, SOFORT Banking changes its name to Pay now. by Klarna. This change affects Belgium, France, Italy and Spain. In Austria and Germany the name changes to Sofort. The logos have changed for all countries - see the Pay now and Sofort logos section below.

The following payment options are available to the shopper once they re-direct to the Sofort or Pay now. payment page:

Options Notes Authorisation

Real-time bank transfer

Shopper enters their sort code/bank code. They enter a username and password to login to their bank account. They then enter a transaction authentication number (TAN) or equivalent depending on the country and their bank.

There is also an option to download a java app to connect the shopper to their bank. Shopper chooses the ‘HBCI-Karte oder Stick/Diskette’ option.

Payment is authorised in real-time, the shopper should return on the merchants supplied ‘successURL’.

Real-time

Shopper journey overview

To use this method to make a payment:

  1. On the payment page, the shopper selects the Sofort or Pay now. payment method.

    The shopper is redirected to the Sofort or Pay now. website.

  2. On the website, the shopper types the bank account credentials, and then confirms the payment.

Note:  The screenshots below are for guidance only and are correct as of June 2014. Sofort Banking can make changes to the words, graphics and layout at any time.

The shopper arrives at the Sofort payment page and enters their bank code

The shopper enters their username and password

The shopper confirms the payment using a TAN (or similar authentication)

Wait for the system to process the transaction

Worldpay default confirmation page

Thank you, your payment was successful.

Integration considerations

It is important that merchants consider the following information when they integrate with Sofort or Pay now. This is in addition to the general integration recommendations in Overview of Alternative Payment Methods section and the APM Categories and Payment Flows section.

Time out

There is no time-out value for the shopper to enter their bank code/sort code on the Sofort or Pay now. payment page. After a shopper enters the bank code/sort code they select ‘Weiter’’ to go to the next page to enter bank account login credentials.

The shopper has six minutes to enter their bank account login username and password, on the Sofort or Pay now. payment page, and then select ‘Weiter’’ to go to the next page to enter a TAN (Transaction Authentication Number).

The shopper has between 5 to 10 minutes to enter their TAN number on the Sofort or Pay now. payment page. After the shopper enters the TAN number they select ‘Weiter’’ to complete the payment. This 5 to 10 minute time-out is different for each bank.

We recommend that merchants advise the shopper of any time-out value. This ensures that shoppers are aware of how long they have to complete the payment, once they are on the Sofort or Pay now. payment page.

Recipient

Merchants should make shoppers aware that:

  • Worldpay or Envoy Services Limited will appear as the payment recipient on the Sofort or Pay now. payment pages.
  • Depending on the shopper’s bank, ‘ENVOY SERVICES LIMITED’ or ‘Worldpay AP Ltd’ will appear as the payment recipient on the shopper’s bank account statement.
  • Depending on the shopper’s bank the shopper will see ‘Worldpay AP Ltd’ or ‘ENVOY SERVICES LIMITED’ as the payer for refunds in their bank account statement. They will also see the ‘FI Reference Code’ for the original payment next to the refund entry. They will also see the merchant’s statement narrative next to the refund entry if one is supplied.

Pre-advising the shopper of the recipient’s name may reduce shopper abandonment, shopper queries or disputes.

Pay now and Sofort logos

Klarna advise merchants to use an appropriate Sofort or Pay now. logo depending on the shopper’s country.

For shoppers in Austria and Germany, show this logo on your payment page:

For shoppers in France and Belgium show this logo on your payment page:

For shoppers in the Flemish part of Belgium, show this logo on your payment page:

For shoppers in Italy, show this logo on your payment page:

For shoppers in Spain, show this logo on your payment page:

The home page logo is now Klarna for all countries:

This is the black Klarna logo:

This is also a white Klarna logo for web pages with a dark background colour.

Sofort and Pay now. may update their logo and banner at any time. The logos and banners in this version of the APM Guide are correct as of August 2017. To check and obtain the current logos and banners, see the Klarna developers website:

https://developer.klarna.com/en

Payment method properties

Property Description/Value

Payment Type

Real-time bank transfer

Countries

Austria, Belgium, France, Germany and Spain

Acceptance Currencies

EUR

Settlement to Worldpay Currency

EUR

Minimum Amount for a Single Transaction

1 EUR

Maximum Amount for a Single Transaction

2000 EUR

NOTE: Individual banks may impose their own transaction limits.

Direct Refunds (Yes/No)

Yes

See the WPG Refunds Capability table

(http://www.worldpay.com/support/kb/gg/pdf/refunds-capability.xlsx) for any limitations.

Direct Refund Period

See the WPG Refunds Capability table

(http://www.worldpay.com/support/kb/gg/pdf/refunds-capability.xlsx) for any limitations.

Bank Transfer Refunds (Yes/No)

Yes. See the WPG Refunds Capability table

(http://www.worldpay.com/support/kb/gg/pdf/refunds-capability.xlsx) for any limitations.

Bank Transfer Refund Period

See the Refunding Alternative Payments Guide for any limitations.

Chargebacks (Yes/No)

Yes

Payment Method Mask

SOFORT-SSL

Supported Languages per country

Germany (DE, EN)

Spain (ES, EN, DE)

France (FR, EN)

Belgium (NL, FR, EN, DE)

Statement Narrative (Yes/No)

Yes

Dynamic Descriptor (Yes/No)

Yes

Payment Traceability

FI Reference Code - this is searchable in WorldPay’s Back Office system and in the Merchant Interface. It appears on the Sofort or Pay now. payment pages and the shopper’s Sofort or Pay now. statement.

Direct Model (Yes/No)

Yes

Redirect Model (Yes/No)

Yes

Sandbox (Yes/No)

Yes

Service Level

M-Level

Payment timetable

The payment status is expected to change according to the following timetable.

Trigger Delay Payment status Notes

The shopper chooses the Sofort or Pay now. method

0 minutes

Payment is created in SHOPPER _REDIRECTED status.

 

Shopper makes an immediate payment on the Sofort or Pay now. website

Typically minutes

 

Payment made by real-time bank transfer.

PSP authorises the payment

0 minutes

AUTHORISED

The payment is authorised in real time. However, there can be a delay of up to five seconds.

Worldpay capture the payment

< 1 hour

CAPTURED

 

Worldpay clears and settles the payment internally

5 working days

SETTLED

 

Worldpay settles to the merchant

n working days

 

The settlement to the merchant occurs according to the normal merchant settlement cycle.

Sofort and Pay now. : Example XML order