KalplexEuro and SEPA Core
Austrian bank accounts take part in SEPA Core Direct Debit, so every shopper can sign a mandate.
Austria
Austrian shoppers share the German preference for paying after delivery. Kalplex lets you keep offering it under your own creditor ID once third-party pay later is regulated.
Cross-border with Germany
Sell into Germany from Austria with the same mandate flow and rules.
German-language flow
Checkout copy and pre-notifications in German.
Do I need a licence to offer pay later in Austria?
Merchant-run deferred payment that is interest-free, fee-free and paid within 50 days of delivery (14 for large online merchants) is excluded from CCD2. National implementations differ, so take local legal advice before launch.
How do I get a SEPA creditor identifier?
Ask your bank — Austrian banks arrange SEPA creditor identifiers for their business customers.
Who carries the risk if a shopper doesn't pay?
You do, as you already do with a plain invoice. Kalplex reduces it with risk rules, automatic debits and dunning, but never buys the receivable.
Can shoppers still get their money back?
Yes. Under SEPA Core, payers can ask their bank to refund an authorised debit within 8 weeks. Kalplex picks up the return and follows up.
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