Accepting easyCredit-Ratenkauf as a merchant
easyCredit-Ratenkauf is the instalment purchase of TeamBank AG in Nuremberg, a bank supervised by BaFin and the European Central Bank and a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken since 2003. The shopper finances a purchase of 200 to 10,000 euro over 2 to 60 months at a fixed interest rate, and easyCredit takes on the full risk of payment defaults. It is offered to shoppers resident in Germany, online, in store and in direct sales. For a merchant the interesting part is not the loan itself but its limits: a basket floor, a minimum instalment and a 22-week window between order and reported delivery decide which sales it can carry and when the money arrives.
Published prices for easyCredit-RatenkaufPer provider, country and channel, further down this pageGo to the pricesHow to accept easyCredit-Ratenkauf as a merchant
You contract easyCredit-Ratenkauf with TeamBank, which runs its merchant business as easyCredit Business Services, and register through its partner portal. easyCredit provides plugins for JTL, Magento, Oxid, plentyONE, Shopware 6 and WooCommerce, and a Payment API and Transaction API for your own integration. Or you connect it through a payment provider: easyCredit names Computop among its partners for e-commerce and point of sale.
The partner page does not state whether a PSP route replaces the agreement with TeamBank. Ask in writing whether you need an agreement with TeamBank on that route as well, because the bank lends to your shopper and sets the terms on which the loan is offered.
Credit
easyCredit-Ratenkauf is a bank loan, decided at checkout
At checkout the shopper applies for an instalment loan from TeamBank. The credit check runs as a conditions enquiry at SCHUFA, and the interest rate is fixed for the whole term and independent of creditworthiness and term. Only when the transaction reaches the status authorized is the order successful. The bank then pays you the purchase price and collects the instalments from the shopper on the first of each month, the first no earlier than 30 days after the goods were received.
No card scheme, issuer or acquirer sits in that chain, so there is no interchange and no scheme fee to pass through. easyCredit takes on the full default risk and runs its own debt collection, with no assignment of claims to third parties. The authorisation rate on this method is therefore the rate of positive credit decisions, and a payment fails when the decision is negative.
Directive (EU) 2023/2225 applies from 20 November 2026. easyCredit's own summary states that instalment purchase, purchase on invoice and buy now, pay later will then be treated as consumer credit regardless of amount, and that the creditworthiness check becomes mandatory even where no interest is charged. easyCredit-Ratenkauf already carries interest and a credit check, so for this method the directive mainly changes how the products next to it in your checkout are run.
Where easyCredit-Ratenkauf is used, online and in store
easyCredit-Ratenkauf is offered to customers aged 18 and above who reside in Germany and have a regular monthly income; the self-employed are excluded. It is a German product for German shoppers, and a merchant outside Germany meets it only through its German customers.
easyCredit offers it in e-commerce, at the point of sale and in direct sales. Its service options add Click and Collect, ordered online and paid in instalments on collection, and the PoS order, bought in store and delivered later, which easyCredit describes as especially suited to goods made to order. Shoppers can also get advice in over 9,000 branches of the Genossenschaftliche FinanzGruppe.
Pricing
easyCredit publishes no merchant fee, and charges it monthly
easyCredit does not publish its merchant fees, and in the index the Computop row carries No price published. easyCredit states that all fees are calculated monthly with a billing document, debited to the merchant account and set off against current payouts. A second fee applies if you lower the shopper's rate: with Zins-Flex the merchant pays an interest fee, the Zinsentgelt, which depends on how far the rate is subsidised, for terms of 2 to 12 months, on promotion or permanently.
Take 1.2 million euro of instalment volume a year at an average order of 800 euro, so 1,500 orders. At an illustrative fee of 3% that costs 36,000 euro a year, or 24 euro per order. At an illustrative 2.5% it costs 30,000 euro, 6,000 euro less. Any Zinsentgelt comes on top of either figure.
These rates are illustrative, not published prices, and the quoted rate decides what you actually pay. Because the fee arrives as a monthly offset rather than as a deduction per transaction, check the billing document against your own order list each month, and ask for the Zinsentgelt per term in writing before you book a promotion.
Basket
The 200 euro floor and the 20 euro instalment decide what the method reaches
easyCredit-Ratenkauf starts at 200 euro and ends at 10,000 euro, so it can only touch the share of your turnover inside that band. Take a German webshop with 6 million euro of online turnover, of which 2.4 million euro comes from orders between 200 and 10,000 euro. If instalment purchase takes 192,000 euro, that is 3.2% of total turnover but 8% of the band it can reach. The band figure is the one to set against the fee, and it is the one that moves when you change assortment or price points.
The minimum instalment of 20 euro sets a second limit inside the band. Before interest, a 200 euro basket at 20 euro a month runs for 10 months and a 600 euro basket for 30. Sixty instalments of 20 euro add up to 1,200 euro, so the long terms that make a large purchase affordable only open on large baskets. Below 200 euro, the same bank offers easyCredit-Rechnung, a purchase on invoice for 50 to 5,000 euro.
Contract
The approval runs for 22 weeks, and the payout clock needs a definition
easyCredit allows a maximum of 22 weeks between the order and the report of the delivery or purchase. Through the Transaction API you report the delivery once per transaction, and the statuses include REPORT_CAPTURE_EXPIRING and EXPIRED. For goods made to order, with lead times of several months, that window is a deadline in your order process, not a technical detail.
The start of the payout clock is less clear. easyCredit's merchant page describes the standard payout period in two different ways, once counted from the order and once in bank working days, without naming the event that starts the count. Put in writing from which event the payout period runs, whether it counts calendar days or bank working days, what happens to an approved order that expires before the delivery is reported, and how fees and reversals are set off against payouts.
Withdrawing the loan does not undo the sale
The shopper can withdraw from the financing within two weeks of completing the order, in writing. easyCredit states that after a successful withdrawal the purchase amount is collected from the shopper's account in one payment. The sale stands; only the way the shopper pays for it changes. A shopper who wants to withdraw from the purchase itself is sent to the merchant.
Returns and cancellations go through a reversal in the Transaction API, for the full amount or part of it, before or after the delivery report, and only one reversal per transaction at a time. Your customer service needs to tell the two cases apart: a withdrawal from the loan is handled by the bank, a return is reported by you.
Which payment providers support easyCredit-Ratenkauf
In the index, Computop offers easyCredit-Ratenkauf to merchants established in Germany. easyCredit's partner page also names First Cash Solution and VR Payment among its partners for e-commerce and point of sale, and you can contract TeamBank directly and connect through its shop system plugins.
The questions to put are the same on every route: whether an agreement with TeamBank is required, how the fee and any Zinsentgelt are billed, from which event the payout runs, how a reversal after payout is settled, and how a delivery reported late is handled.
Retail Payment Methods Transparency Index
Published prices for easyCredit-Ratenkauf, per provider
One provider in the index offers easyCredit-Ratenkauf to merchants established in Europe, and it publishes no price.
Each rate is shown as the provider prints it, and the provider's name links to the page it was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.
The country where your business is established and from which you sell. Shoppers pay with easyCredit-Ratenkauf in: Germany.
| Provider | Per transaction | Channel |
|---|---|---|
| Computop Merchants in Germany | No price published | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 12 October 2026 and 12 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
Reviewing what easyCredit-Ratenkauf costs you
What you pay for easyCredit-Ratenkauf is set in your agreement with TeamBank, not by a scheme. Start by establishing whether you are overpaying your PSP, and if instalment purchase carries a material share of your German volume above 200 euro, set its fee against the band it reaches before you renew.
Relevant markets: Germany
Payment set-up check
Selling to shoppers in Germany? Let's check what easyCredit-Ratenkauf adds to your PSP costs.
Enter your webshop. The check sets your checkout against what shoppers in each of your markets expect, and names the gaps. If you want, it then calculates what those gaps cost you in euros.
Ramon Helwegen
