Sofort for Payment Pages

  Last updated: 



Sofort is a real-time bank transfer method that operates in several European countries. When selecting Sofort, customers will be prompted to select their bank and then to sign in to their online banking account. After reviewing the pre-filled payment details, they can agree to the payment, before being redirected back to your website. Once completed, you will receive confirmation via a URL notification.

  Supported customer countries   AT, BE, CH, DE, ES, GB, IT, NL, PL
  Supported currencies   EUR, GBP

  Full and partial refunds permitted for up to 365 days.


  Payments are not subject to chargebacks.


  Not supported.

  Recurring payments

  Not supported.



  1. To enable this payment method on your account, please get in touch with your account manager.
    A test sandbox account will be provided, which you will need when testing your implementation.
  2. Modify your POST to Payment Pages as needed:

    Field name

    Required during payment session

    (Either included in POST by merchant or entered by customer on Payment Pages)

    Required in POST Description
    bankid No No The customer’s Bank Identification Code (BIC).
    billingcountryiso2a Yes No The country entered for the billing address, using ISO2A format.
    billingfirstname Yes No The billing first name.
    billinglastname Yes No The billing last name.
    ruleidentifier No No

    If your POST to the Payment Pages already includes all fields required by the payment method, you can streamline the checkout process for the customer by also submitting ruleidentifier=STR-14.

    This allows the customer’s browser to immediately go to the pages hosted by the payment method to complete the transaction. (We refer to this as Journey C)

    Click here to learn about different journeys.



Once a payment has been authorised, funds will be settled at a later time, as determined by Sofort.

  The settlement notification may not be sent immediately after processing the payment.
In the unlikely event that payment is still pending settlement after 7 days (settlestatus “10”), this will be scheduled for investigation and we will contact you with further information.

Before you begin testing, we recommend that you contact our Support Team and request that rules are enabled on your account, which submit URL notifications to your system in the following scenarios:

  • When a payment is authorised.
  • When funds have been settled.


Configuring the authorisation notification

We recommend including at least the following fields in your authorisation notification:

  • Acquirer Response Message (acquirerresponsemessage)
  • Base Amount (baseamount) (e.g. £10.50 is “1050”)*
  • Main Amount (mainamount) (e.g. £10.50 is “10.50”)*
  • Billing Country (billingcountryiso2a)
  • Currency (currencyiso3a)
  • Error Code (errorcode)
  • Live Status (livestatus)
  • Order Reference (orderreference)
  • Payment Type (paymenttypedescription)
  • Request Type (requesttypedescription)
  • Settle Status (settlestatus)
  • Site Reference (sitereference)
  • Transaction Reference (transactionreference)
  • Transaction Started Timestamp (transactionstartedtimestamp)

*Please choose your preferred format.


Configuring the settlement notification

We recommend including the following fields in your settlement notification:

  • Settle Status (settlestatus)
  • Site Reference (sitereference)
  • Transaction Reference (transactionreference)


Check the notification

You will need to check the contents of each notification received and respond accordingly by following the processes outlined in our URL notifications documentation. In particular, you will need to look at the updated settlestatus value:

  • On authorisation: If the settlestatus is “0”, “1” or “10”, the payment has been authorised and you are not required to take further action at this time. However, values of “2” or “3” indicate funds are not scheduled for settlement (suspended and cancelled, respectively).
  • On settlement: If the settlestatus has been updated to “100”, this indicates that the funds have been settled. Alternatively, if this has been updated to “3”, this indicates there has been a problem and the payment was subsequently cancelled.

Cancelled transactions (settlestatus “3”) may be settled at a later time. In situations where the customer has completed the steps required to fulfil the payment, the settlestatus is updated to “100” to indicate the funds have been transferred to your account.

If you have contacted the Support Team to configure settlement notifications (as described above), you will be notified when this occurs.



You will need to test your solution before you can begin processing live payments. Test transactions are processed through your test Site Reference.


You will need to contact our Support Team, providing your Sofort test account details. We will then configure your test site reference to connect directly to the Sofort testing environment.

When performing test transactions, your browser will be redirected to the Sofort testing environment to simulate a payment. Other than this, the process will be exactly the same as processing live payments.



After processing a payment, it is possible to refund the customer using MyST.

Refunds for Sofort are settled immediately (settlestatus “100”).



  • You cannot refund a payment until the AUTH has been settled (settlestatus is “100”).
  • You cannot refund a greater amount than was originally settled.
Was this article helpful?
0 out of 0 found this helpful