Payment Service "Sofortüberweisung"
The "instant transfer" of the German company sofort AG is widely used, but banks are not exactly popular.
- Security: you give the "instant transfer" sensitive data, such as their TANs, and even the Pin for the Online Banking to the "Immediately AG", the done Bank transactions in your name. A high level of risk. For more on safety, read it here.
- Ease of use: instant Bank transfer is very easy to use , and your business partner has the money in just a few seconds on the account.
- For the buyer: The risk they bear if something goes wrong, your money back book. In the case of direct debits of your Bank this is usually possible.
- For dealers: if you fail a charge once, do not wear it as a dealer, the damage sofort AG is liable for it.
- Image: The Central credit Committee of German banks, warns of the "immediate transfer". Whether behind, but perhaps just the fear of a further competitor on the financial market is, remains open.
Immediately transfer compared
The space deer "Paypal" in comparison
Who eBay knows, knows also Paypal. Since the auction house is the California payment service in 2002, has bought, you are obligated as the seller to pay with Paypal. The Details:
- Security: Paypal uses security. In the case of eBay are covered purchases you are even up to 1,000 euros and protected.
- Easy to use: you can Paypal with either your credit card or your Bank account to connect and then after a multi-day confirmation procedure, for example, by direct debit pay with Paypal. Your Pin, you give never.
- For buyers: Transfers from Paypal to your Bank account can take new customers up to a week. In comparison, this is significantly longer.
- For the seller: In the case of unconfirmed, new account, Paypal may retain the eBay sales earned money interest-free for up to 21 days.
- Image: Paypal enjoys, especially among customers with a good reputation, after all, you can pay in any currency. Some merchant accounts were locked, allegedly because of an unusually high number of movements of money.
Paypal, in comparison
Paypal vs. instant transfer: The conclusion
Both payment services are for you as a customer free of charge. Only the dealer will have to pay fees. Ensure that he gives it to you. Paypal is both for traders as well as for private customers with the most secure Alternative. Faster is with the "instant transfer". But who wants to give his sensitive Banking data, such as the private Pin, to third parties? So far, there is no Negative experience, the risk remains, however.
How to use the new, but rapidly growing Swedish Online payment service Klarna to use, you will learn in the next article.
