How secure is Sofort / Pay now?

When it comes to money, security counts above all else. That’s why we designed Pay now with online banking to be one of the safest online payment systems possible. The online transfer is made using the established online banking login process combined with a confirmation code (TAN) that offers a high degree of protection from misuse as it can be used only once and then immediately becomes invalid. Entering your online banking login details, such as your PIN and the TAN, takes place exclusively in the secure payment form of Sofort GmbH and not on the merchant’s website. This ensures that the merchant does not gain access to sensitive information (such as PIN and TAN). The transfer of data occurs only via connections secured with up to AES 256 bits. Sofort GmbH itself does not store any sensitive information (such as PIN and TAN), but carries out the transaction solely as a technical service provider. The sensitive details (such as PIN and TAN) are never visible to third parties, including Klarna or Sofort employees. To ensure the security of your information at all times, Sofort GmbH relies not only on its own expertise. TÜV Saarland regularly tests and certifies its procedures.