KalplexA familiar habit
Paying by invoice after delivery is one of the most expected options in German checkouts.
Germany
German shoppers like to pay after the parcel arrives. When third-party invoice payment becomes regulated credit, you can still offer it — run by your shop and collected by SEPA Lastschrift.
Lastschrift is trusted
Direct Debit is an everyday way to pay in Germany, from rent to gym memberships.
No more manual chasing
Instead of waiting for transfers, the debit runs automatically on the date you set.
What changes for your Rechnungskauf
If a third-party provider runs your invoice option today, it falls under consumer credit rules from 20 November 2026 — expect new checks, friction or higher fees. Running it yourself keeps it outside CCD2 when it is free of interest and charges and paid within 50 days.
Key points:
- Offer it under your own name
- Debit on day 30 by default
- Pre-notification in German
Do I need a licence to offer pay later in Germany?
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?
Apply online with the Deutsche Bundesbank for a Gläubiger-Identifikationsnummer. It’s free, and the number is sent to you by email.
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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