Klarna leads buy now, pay later in Germany well ahead of Ratepay, with Alma, easyCredit and Afterpay far behind.
Germany · payments
Most used payment providers in German online shops
PayPal is the most offered payment provider in online shops in Germany by a wide margin, with Sofort second and Klarna third.
- Online shops
- ~400,000
- Leader
- PayPal
- Then
- Sofort and Klarna
- Cash on delivery
- Rare
September 2026
Amazon Pay is fifth, ahead of Adyen, Ratepay and Mollie.
Few German shops show cash on delivery, so providers compete at checkout, not against cash.
Payment providers ranked by online shops
A shop can offer several payment providers.
- 01PayPal · digital wallet~180,000
- 02Sofort~110,000
- 03Klarna · buy now, pay later provider~47,000
- 04Stripe~41,000
- 05Amazon Pay · digital wallet~15,000
- 06Adyen~13,000
- 07Ratepay · buy now, pay later provider~8,100
- 08Mollie~6,700
- 09Braintree~2,400
- 10Alma · buy now, pay later provider~1,800
- 11easyCredit · buy now, pay later provider~1,300
- 12Trustly~1,200
- 13Afterpay · buy now, pay later provider~640
- 14Revolut Pay · digital wallet~500
- 15Nets~300
On Shopify shops
On WooCommerce shops
On Shopware shops
What this means
What to do with it.
PayPal is on most German shops with an identified provider and narrows nothing; Sofort, Klarna and Stripe are the lists that do. A Klarna shop already sells on installments, and a Stripe shop without Klarna is the open door. PayPal shops run on WooCommerce first, then Shopify and Shopware, and a minority advertise.
Target Sofort and Stripe shops in Germany that offer no Klarna or Ratepay, since installment options reach only a share of shops with an identified provider.
Reach PayPal shops on WooCommerce first, then Shopify and Shopware; Shopware in the top three makes a German-specific integration worth the build.
Prioritize German retailers in your category that advertise now, a minority of PayPal shops, and reach the owner or buyer by name rather than a shared inbox.
Common questions
- Which payment provider do most online shops in Germany offer?
- PayPal, offered by ~180,000 German online shops. Sofort is second with ~110,000.
- How many German online shops offer Sofort?
- ~110,000 online shops in Germany offer Sofort, the second most common payment provider in the country.
- Is Klarna common in Germany?
- Klarna is the third most common payment provider in German online shops, with ~47,000 shops offering it.
- Can I get the list of German online shops by payment provider?
- Yes. Pick the payment provider and the cut you want, for example shops that advertise now or sit above a turnover line, and we return the matched companies with the people to reach.
Keep in mind
- Offered at checkout is not the option buyers pick most.
- A shop with no identified provider may still take online payments; not identified does not mean absent.
Start with your target
Build a Germany target list by payment provider
Tell us who you want to reach. We send back matched accounts.
Get a matched sample
Before any commitment.