How to Buy Paysafecard Without Klarna: European Guide

How Invoice Payment Works for Paysafecard in Europe

No Paysafecard reseller in Germany, Austria, or Switzerland connects to Riverty, Ratepay, or Billpay for invoice purchases. The reason is structural: prepaid voucher codes are instantly deliverable digital goods that cannot be recovered if a buyer later defaults on payment. Most invoice providers exclude gift cards and prepaid codes from their merchant contracts to limit chargeback and fraud exposure. Klarna accepts the risk and appears at Terd.de, Kredu.de, Kartello.de, and Guthaben.de with a standard 30-day invoice product and instalments. Billpay, which previously operated independently in Germany, was absorbed into Klarna in 2017 and is no longer a separate option. If you want to buy Paysafecard without Klarna on invoice, no equivalent provider exists for this product category.

Step-by-Step: Buying Paysafecard Without Klarna

The practical alternatives are Sofortüberweisung, PayPal, credit or debit card, and cash at physical retailers. All of these skip the SCHUFA credit check that Klarna requires at checkout.

Step 1: Choose your payment method

Sofortüberweisung (SOFORT) is a real-time online bank transfer: you authorize the payment directly from your banking app or browser, and the transaction completes in seconds. It is accepted at Guthaben.de and Aufladecodes.de, requires no credit check, and delivers the PIN by email within a few minutes. PayPal is the most widely supported option across all major resellers and also carries no SCHUFA check. PayPal's own instalment feature ("Ratenzahlung") is a separate deferred-payment option that does not involve Klarna.

Step 2: Select a reseller and denomination

Choose from Dundle.com, Startselect.com, Guthaben.de, or Recharge.com. Paysafecard is available in denominations of 10, 25, 50, and 100 euros. Dundle accepts PayPal, Apple Pay, Visa, and Mastercard across Germany, Austria, and Switzerland. Guthaben.de adds Sofortüberweisung and EPS for Austrian buyers.

Step 3: Complete the purchase and receive your PIN

After checkout, the Paysafecard PIN is sent by email. Card and PayPal payments confirm instantly; Sofortüberweisung orders typically arrive within a few minutes. For direct bank transfer at Aufladecodes.de, delivery takes 1 to 2 business days. If online payment is not an option, Paysafecard is sold for cash at REWE, Penny, ALDI, Rossmann, dm, petrol stations (Shell, Aral, Esso), and thousands of kiosks and newsagents across Germany.

Fees, Limits, and Availability

Online resellers in Germany, Austria, and Switzerland charge no fee above the Paysafecard face value for PayPal, card, or Sofortüberweisung payments. Dundle and Startselect operate across all three DACH countries. Guthaben.de and Aufladecodes.de cover Germany and Austria. Physical outlets carry denominations from 10 to 100 euros and require cash only. The Paysafecard website (my.paysafecard.com) does not sell codes directly: purchase always goes through an authorized reseller or point of sale.