Sofort / Klarna bank transfer
Sofort / Klarna bank transfer is a bank redirect method. Customers pay by: online banking login and instant confirmation.
- Category
- Bank payments
- Type
- Bank redirect
- Customer experience
- Online banking login and instant confirmation
- Currencies
- EUR, PLN
- Markets
- 6 countries
- Recurring
- Not supported
- Refunds
- Full and partial
- Payment links
- Supported
- Hosted checkout
- Supported
- API
- Supported
- Settlement
- Same day to T+2 once the bank credit is confirmed
Available through The Vision Bank
Provided through a regulated payment partner. Access depends on that partner's onboarding and coverage.
Availability depends on your merchant country, legal entity, customer country, industry, risk classification, currency, product and payment-partner coverage. Nothing on this page is an offer of service.
Check eligibilityPricing for Sofort / Klarna bank transfer
One rule everywhere: the underlying provider cost plus a $1.00 per transaction Vision markup. Scheme, network and FX charges are always shown separately, at cost.
- Underlying provider cost
- Provider cost band, typically $0.20–$1.50 per transfer
- Vision markup
- $1.00 per transaction
- What you pay
- Provider cost + $1 per transfer
- Scheme & network charges
- Correspondent or high-value rail charges billed at cost where they apply
- Currency conversion
- FX applied only on cross-currency transfers
- Settlement
- Instant to T+2 depending on the rail
These bands show how a price is built, not a quote. Your rate is confirmed at onboarding once your entity, industry, volume and markets are reviewed.
Partner infrastructure
Sofort / Klarna bank transfer is processed through regulated infrastructure. Partner identities are disclosed only where the relationship is confirmed and cleared for publication.
Tier 1 banking partners
Large, systemically important banks that hold client funds, issue IBANs and clear major currencies.
Same-day to T+1 in the settlement currency
Tier 2 banking partners
Regional and specialist banks used for domestic clearing, local currency accounts and corridor coverage.
T+0 to T+2 depending on the domestic rail
Licensed payment partners
Regulated payment institutions and acquirers that hold the scheme memberships and licences required to process a method.
T+1 to T+5 depending on scheme and risk profile
Eligibility & requirements
Every merchant
- · A registered business entity with incorporation documents
- · Identification for directors and beneficial owners (KYC / KYB)
- · Description of the business model, products and customer base
- · Expected monthly volume, average transaction size and target markets
- · A live website or product with clear terms, refund and privacy policies
- · Sanctions, AML and risk screening of the entity and its owners
Entity
- · Registered entity
- · Account in the currency of the rail
Technical
- · Reconciliation against reference or virtual account
- · Mandate capture for direct debit
Compliance
- · Mandate and authorisation records for pull payments
- · Return and dispute handling