When customers choose to pay through SOFORT Banking, they are redirected to SOFORT Banking’s online banking environment. Here they choose their country and bank. They log in with their own online banking credentials and are shown their accounts. Customers then choose which account they want to transfer the payment from. Finally, the payment is authorised and customers are returned to the webstore. The merchant then receives a payment confirmation. This confirmation only indicates a successful transaction. After 3-5 days, once the payment has been guaranteed, the status of the payment will change to ‘paid out’.