Invoice with payment guarantee

Invoice with payment guarantee

General information

Using the payment method invoice with payment guarantee you receive the respective amount (less fees and discount) from your selected financial service provider even if the payment was not yet effected by the consumer in your online shop. The items purchased in the online shop are sent to your consumer together with the relevant invoice. The consumer then effects the transfer of the respective amounts within the due date for payment.

The payment method invoice is only available for merchants and consumers resident in Germany, Austria and Switzerland.

Advantages for merchants

  • Quick and guaranteed payment since merchants receive the outstanding amounts irrespective of the consumers' due date for payment.

  • High conversion rate since invoice is a very popular payment method in Germany, Austria and Switzerland.

Advantage for consumers

  • Consumers receive the purchased items before paying them.


If your online shop is enabled for payment method invoice your are required to use additional request parameters listed on the corresponding pages of the provider. These request parameters must have been set previously whenever you (or your consumer) set the payment method to INVOICE or your consumer selects this payment method after QPAY Checkout Page is invoked with payment method SELECT.

If payment by invoice has been accepted you will get as response the parameter paymentState with the value SUCCESS. At the same response the parameter gatewayReferenceNumber is returned. We recommend to store this reference number of the invoice for tracking purposes.

Financial service providers

Invoice with payment guerantee is provided by the following provider:

Order flow diagram

Since the order flow diagrams depend on the provider, visit the corresponding pages for each financial service provider.

Required request parameter

For payment method invoice the otherwise optional request parameters for consumer billing data are required for all providers. For further information on these parameters go to Consumer billing data.

Since the parameters also vary depending on the provider, visit the corresponding pages for each financial service provider.