About Kredu
Kredu is a Berlin-based online shop that sells digital voucher codes, including Paysafecard, Amazon, Google Play, Steam, PlayStation, Xbox and Zalando, and lets customers in Germany pay for them on a 30-day invoice. The shop is run by Kredu GmbH, founded by the team behind the short-term lender Vexcash; it started out issuing a virtual Mastercard with a credit line and switched to vouchers on invoice. Buying works in three steps: pick a voucher, pass an automatic credit check that returns a decision within seconds (18 or older, main residence in Germany, German bank account, no hard negative Schufa entries), and receive the code by email, usually within minutes. New customers complete a one-time identification; reviewers describe a 1-cent bank transfer, an ID check and in some cases a payslip upload. The invoice is due 30 days after the code is delivered and is repaid by bank transfer or direct debit; larger amounts can be split into instalments by arrangement. Klarna is available as a second buy-now-pay-later route with a 14-day invoice, and PayPal, credit card and Sofort cover immediate payment. Prices are in euro, the invoice balance is capped at 500 euro per customer, and the service is only open to residents of Germany. Kredu suits someone who needs a Paysafecard or shop voucher today and wants to pay at the end of the month, not someone hunting the lowest price: invoice orders carry a service fee.
What are alternatives for Kredu
Pros of using Kredu
- Vouchers on Kredu's own 30-day invoice without Klarna, one of the few German shops that offers this for Paysafecard.
- Automatic credit decision within seconds; codes arrive by email, usually within minutes of approval.
- Registered German company (Kredu GmbH, Amtsgericht Charlottenburg HRB 179852 B) with a claimed Trustpilot profile: 4.2 out of 5 from 278 reviews, 79 percent of them 5-star.
- Several ways to pay: own invoice, Klarna, PayPal, credit card or Sofort.
- Published reminder schedule: a reminder 5 days after the due date, a first dunning notice after 14 days, collections only as a last step.
Cons of using Kredu
- Service fee on invoice orders is not shown consistently: one Kredu page says you pay only the voucher value, while reviewers report fees such as 12.60 euro on a Google Play card and a June 2026 test lists 6.30 to 21 euro plus 19 percent VAT per card.
- Germany only: a main residence in Germany and a German bank account are required, so buyers in the Netherlands, Belgium, Austria or France cannot order.
- Repeated document requests (ID, payslip, registration certificate, bank statement) are the most common 1-star complaint; 11 percent of Trustpilot reviews are 1-star and Kredu does not reply to negative reviews.
- Stock gaps: reviewers reported Paysafecard being unavailable for weeks in 2024 and slower code delivery in late 2025.
- Collections disputes: several reviewers say invoices they had already paid were chased again by collection agencies.
