How to Buy Paysafecard by SEPA Direct Debit in Europe

How Direct Debit Works for This Purchase

You can buy paysafecard by direct debit, but not the way most people expect. No reseller accepts a direct debit mandate at its own checkout, and paysafecard.com does not offer direct debit at all. The collection runs through a payment provider sitting between you and the shop.

The most direct route is Klarna. Under "Pay Now", Klarna explicitly offers three options: instant bank transfer, direct debit, and card (Klarna, 2026). Choose direct debit and the amount is collected from your current account while the shop only ever sees the Klarna payment. Three of the verified paysafecard sellers we track accept Klarna: Dundle, Recharge and Startselect.

The second route is PayPal with a SEPA mandate attached. You set the mandate up once inside PayPal, and PayPal then collects from your account on each purchase. All eight paysafecard sellers we track accept PayPal.

Step-by-Step: Buying Paysafecard by Direct Debit

Step 1: Open a reseller that accepts Klarna

Dundle sells paysafecard codes from 10 to 100 euros and offers Klarna at checkout.

Step 2: Choose the denomination

One larger code rather than several small ones keeps the balance in a single PIN, which makes it easier to spend before the fees start.

Step 3: Select Klarna at checkout

You are redirected to Klarna, where you confirm your identity.

Step 4: Pick "Pay Now", then direct debit

This is the step that matters. Under Pay Now, choose direct debit rather than card or bank transfer. Instalments and invoice payment are usually blocked on prepaid codes, while Pay Now is not.

Step 5: Receive and redeem the PIN

The 16-digit PIN arrives by email, usually within minutes. Enter it at any site accepting paysafecard, or add it to a my paysafecard account to combine several codes.

Fees, Limits, and Availability

Klarna Pay Now and PayPal are free to the buyer. Unlike buying on invoice, direct debit needs no credit check, because no credit is being extended. If you would rather skip the intermediary entirely, paying with PayPal directly also works.

Limits differ by route. Klarna decides in real time how much it will approve, and it declines large amounts on prepaid codes more often than on ordinary goods. If 100 euros is refused, two purchases of 50 euros usually clear.

One point that gets missed when a payment provider sits in the middle: reversing a direct debit runs through your bank, while buyer protection runs through Klarna or PayPal. On prepaid codes that protection is limited, because a redeemed code cannot be returned. Check the PIN as soon as it arrives.

Paysafecard balance is free to hold for 30 days. After that a service fee of 3 euros per month applies to the remaining balance, and from the 13th month an inactivity fee of 2 euros per month is added (Paysafecard, 2025). Redeem the PIN promptly.

Paysafecard is sold in more than 20 European countries, including Germany, Austria, Switzerland, the Netherlands, Belgium, France and Spain.