The Buy Now Pay Later payment option in Germany is offered in cooperation with our partner Santander Consumer Bank. Your customer is given the opportunity to transfer the invoice amount to Santander within 30 days, while you as the merchant can expect to receive your money within one to two working days after the goods have been shipped.
Please note that in addition to having a payever account (created for free here) you also need a contract with Santander in order to use this payment method. To complete this step please contact email@example.com, where you can have an individual offer set up for you.
Terms and conditions
The conditions for Buy Now Pay Later Germany are defined individually by Santander for each retailer based on some key figures such as the average shopping cart, cancellation rate and sales. Please request an individual offer at firstname.lastname@example.org to find out more.
Buy Now Pay Later in Germany is offered by default for amounts between €5 and €750 (if necessary, you can agree on different conditions with Santander). When using one of our plugins, these limits are usually automatically accounted for so that the payment method is not displayed if the amount is outside this range.
Buy Now Pay Later by Santander Germany is only available for customers based in Germany.
Please note that the Buy Now Pay Later payment option can only be offered to consumers (not available for corporate customers).
Please also note that with this payment method no different delivery addresses may be entered (for fraud prevention). When using one of our plugins, this is automatically set so that the payment method is not displayed if a different address has been entered.
After the payment has been completed, the customer is forwarded to payever, where they only enter their date of birth and agree to a credit check. If the customer submits this completed form, a Santander scoring algorithm makes a decision within a few seconds. If the outcome is negative, the customer is asked to choose a different payment method. If the outcome is positive, the customer sees a corresponding success message.
When the goods are shipped, the transaction is captured, i.e. your customer receives his Santander invoice by email and you receive the corresponding amount. You must therefore report the shipment to us or to Santander. You can do this directly in the payever account (transaction details -> "Goods shipped") or via the shop system (may differ depending on the shop system you use, in Shopware 5 for example, this happens automatically when the status changes to "Completely delivered"). Please note that Santander may also require proof of delivery in the form of a tracking number or similar (please contact your Santander agent for more information regarding this).
Settings in the payever account
In order to configure Santander Buy Now Pay Later for Germany, first open the Checkout app. To do this, either click on the Checkout symbol under Business Apps or click on the Manage or Open button on the Checkout section.
You can find the payment methods tab in the navigation bar on the left. Click on + Add.
Now you can choose Santander Invoice Germany from the list that now appears and click on install.
After you have successfully installed the payment type, click Open to enter the credentials. You can also configure this at a later time under the Connect > Payment types > Open tab.
You now enter the following data in the fields: Sender ID, Login, Password and Channel ID. You will receive these directly from Santander.
You can, after you have successfully established the connection, determine whether the customer should be redirected directly to the store or not. If this is enabled, your customer will be redirected to your order confirmation/thank you page after payment is completed. For this you just have to set a check mark and click on Save.
If you now click on Back, you will see that the connection is displayed as default. If you want to change your settings again later, you can do this by clicking View next to Default.
Information on customer transfers (PAN-ID)
With this payment method, our interface provides you with the so-called PAN-ID. The customer will later use this ID when transferring funds to Santander so that the payments can be correctly assigned. We recommend that you provide the amount and PAN-ID as well as Santanders IBAN on your invoice template (if you are sending invoices) to avoid that customers mistakenly transfer the funds to you instead of to Santander. How this can be implemented technically for individual cases can be found in the last section of our integration instructions for your specific shop system.