Hallo, ich habe Ihren Beitrag gelesen - auch wir sind von Magento zu Shopify gewechselt und nutzen als Zahlungsanbieter Novalnet. Ich wollte gerne wissen, wie zufrieden Sie sind? Wir haben einige Hürden zu bestreiten (insbesondere bei “Kauf auf Rechnung mit Zahlungsgarantie”, da die Zahlungen zunehmend “ausstehend” sind) und überlegen auch den Zahlungsanbieter zu wechseln. Ich wäre für eine Rückmeldung sehr dankbar.
Topic summary
Merchants are experiencing significant delays with Sofortüberweisung (instant bank transfer) through Shopify Payments, causing customer complaints about receiving orders 3-14 days after payment—problematic for time-sensitive deliveries.
Core Issue:
- Payment status shows “pending” for extended periods despite customers paying instantly
- Gateway returns “approved_by_network” and “authorized” status immediately, but Shopify doesn’t mark as “paid” until ~3 business days later
- Process runs through an intermediary bank account (Commerzbank via Stripe), making it an “asynchronous offsite method”
Key Technical Details:
- Typical timeline: Order Friday → marked “paid” following Tuesday
- No chargeback risk once authorized; refunds don’t return processing fees
- Customers cannot cancel after authorization
Proposed Solutions:
- Switch to Klarna’s direct Sofort integration (faster processing, potentially higher fees)
- Fulfill orders after authorization but before “paid” status (accepting residual risk)
- Use alternative payment methods better suited for time-critical orders
- Create duplicate orders to retry failed payments
Current Status:
- One merchant disabled Sofort entirely due to customer complaints, especially pre-Christmas
- Klarna reportedly developing “Sofortüberweisung 2.0” expected in 2024
- Discussion remains open regarding best practices and alternative providers