Purchase on invoice and instalment

Although uncommon in the US and the UK, some shoppers are accustomed to ordering goods and products online and then paying for it after receiving it. This is true for customers in Germany, where they choose invoice payments as their preferred payment method for online purchases. This is especiall preferred for large ticketed items, which enables the shopper to pay for the product in instalment. If such payment methods are not offered at the check-out, then the transaction will often be aborted. But don't these types of payment offer a high degree of risk to the merchant?

Computop solutions with payment guarantee

Computop Paygate has integrated to a range of payment on invoice and instalment partners that range in geographical reach and offer a payment guarantee.

Purchase on invoice and instalment via Computop Paygate

Easycredit Ratenkauf

TeamBank now offers 'ratenkauf by easyCredit', the first installment purchase solution to combine a simple and uniformly designed installment purchase function for e-commerce and the point of sale (PoS). Customers can use 'ratenkauf by easyCredit' in just a few steps: choose their purchases, calculate their preferred installments, enter their personal data, and pay. No paperwork, immediate approval, and complete flexibility throughout.

Klarna Invoice

Using pay by invoice by Klarna, customers are able to complete an order without entering their card number, examine their purchase carefully and pay only what they keep: That is how a quick and easy purchasing process looks like for many customers.

Klarna Rates

Using the hire purchase of Klarna, customers are able to convert invoices in a hire purchase and pay them in fixed or flexible rates. This enables flexibility and increases the purchase power which in turn stimulates the revenue of the distributor. The verification of the creditworthiness requires only few information and happens in real time.


Afterpay’s offers invoice payment after delivery. It enables shoppers to pay for items in four simple instalments, without the need for additional information at checkout.  Zero fraud or credit risk. Afterpay assumes all end-customer non-payment risk for every single transaction.


This service facilitates the processing of purchases on account and hire purchases, as well as RatePAY direct debits.


Paymorrow provides support for purchase on invoice and secure SEPA debits in Germany. Merchants benefit from comprehensive protection from payment defaults, as Paymorrow also takes responsibility for debtor management and bill collection.


A subsidiary of arvato, PayByBill makes it possible for eCommerce merchants to integrate purchase on invoice, instalment and debit purchase into their shops. It is available in the following geographies: Denmark, Germany, Finland, the Netherlands, Norway and Sweden.