Coverage
🇩🇪 Payments in Germany
Every payment method and gateway Orchestrapay has integrated for Germany.
Sources: EHI Retail Institute, bevh, BaFin, 2024–2025.
How Germany pays
Germany is the great exception among large markets: credit cards are a minority online. PayPal is the runaway leader at roughly 28% of e-commerce revenue, invoice (Kauf auf Rechnung — pay after delivery) is a close and culturally entrenched second, and SEPA Direct Debit (Lastschrift) is third. Klarna popularized the modern invoice and installment experience. Cards exist but trail — German shoppers prefer to pay from a bank account or on trust, after the goods arrive.
For a global merchant, we carry PayPal — Germany's single most-used method — and international cards today, with the authorization optimization that protects conversion. The invoice, SEPA Direct Debit and Klarna rails that round out the German mainstream are on our roadmap through local partners. Euro settlement is straightforward, PSD2 strong customer authentication applies, and German-language checkout with the right method mix is what wins this market.
Why merchants run on us here
PayPal & cards live today
We carry PayPal — Germany's most-used online method — plus international cards, with approval optimization built in.
A roadmap to invoice & SEPA
Invoice (Kauf auf Rechnung), SEPA Direct Debit and Klarna define the German mainstream — we're bringing them on through local partners.
PSD2 SCA, tuned
Strong customer authentication applied with exemptions where allowed, so compliance doesn't cost conversion.
Euro settlement, one integration
Predictable EUR settlement with German-language checkout and BaFin-aligned compliance handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
PayPal
StripeStripe (Enterprise)
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Airwallex
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalPayPal CommerceBuilt for enterprise
Everything it takes to run payments in Germany
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Germany like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Germany today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Germany?
Talk to our payments team about going live in Germany — coverage, local acquiring, settlement and timelines for your business.