Pay by invoice and prepayment

For payment methods without a payment provider, classically pay by invoice and prepayment, the order flips: with pay by invoice the invoice comes before the payment, and with prepayment everything waits for the payment to arrive in the shop.

This page mainly describes orders from your shop system: how to assign payment methods, what applies to BNPL providers such as Klarna, why the IBAN is required and how payment terms and reminders work. The Rechnungskit checkout and the shop page have their own section.

Orders without a shop that you create yourself have their own payment methods, invoice and prepayment, and need no assignment under Connect. More in the help page Manual orders and invoices.

The two routes

Every payment method belongs to exactly one of the two routes; Rechnungskit rejects an overlap.

In the Rechnungskit checkout

Besides your payment provider, you can also offer bank transfer in the checkout.

• Where: under Shop page, tab Payment & shipping, card Payment by bank transfer. There are two toggles there.
• Applies to: all checkout links and the shop page of the project.
• Requirement: your IBAN in the settings. Without it the toggles are grayed out, with the link to the IBAN above them.
• No assignment needed: you don't need to assign anything under Document rules for the checkout.

Pay by invoice in the checkout

For business customers with a digital cart, the invoice is created immediately and is ready for download on the confirmation page. For goods, it is created when you mark the order as shipped under Orders. The invoice carries the payment term and bank details, and you see the open receivable under /receivables.

Important: in the checkout the order only counts as paid once the money is there. Webhooks (checkout.paid) and integrations such as course access therefore do not start automatically with this payment method. With pay by invoice, you unlock access to digital products yourself.

Prepayment in the checkout

1. After the order, the confirmation page shows the account holder, IBAN, BIC, amount and the order number as the payment reference.
2. A payment request also goes out by email (not in test mode).
3. When the money arrives, you click "Payment received" under Orders.
4. The invoice is then created as paid, for goods after shipping. The checkout reports the order as paid, exactly as with a card payment (webhook checkout.paid, connected integrations).

If less arrives, you can switch the order to invoice and book the partial amount.

Exact gateway names, the most important point

For orders from your shop, the assignment works through the payment method name your shop reports technically. It only applies if the spelling matches exactly.

• That is why, under Connections → Connect, you pick from the gateways actually observed in your shop instead of typing names freely.
• If a payment method is missing from the selection, it appears as soon as the first order with it comes in.
• With an API connection, the same applies to the field paymentGateway.

Invoicing BNPL payment methods like Klarna or Billie faster

With pay-by-invoice providers (Klarna, Billie, in3, Unzer invoice purchase), the provider pays in advance and takes on the default risk. It often only releases the payment to us with the payout, though, sometimes around two weeks after the purchase. Without further settings, the document is therefore only created then.

How to switch

1. Rechnungskit recognizes these providers and shows you a recommendation right on the payment method in the document rules.
2. Add the payment method to the pay-by-invoice list under Settings, Document rules.
3. From then on, the invoice is created on shipping, so on the same day as for card or wallet payments. Orders that have built up and already shipped are invoiced automatically in the process.

Invoice as paid

If your shop reports the order as paid, which is the normal case with these providers, the invoice is issued directly as paid, without a payment term and without a payment request.

The document then carries the neutral note that the invoice has been settled through the provider and that its payment terms apply. This tells your customer that they keep paying their installments or their invoice to the provider.

Bank details are required for pay by invoice

For pay by invoice, Rechnungskit needs your IBAN (under Settings, account card). It appears on the invoice so customers can transfer the money.

• Without an IBAN, Rechnungskit holds pay-by-invoice documents instead of creating them incomplete.
• Exception: documents that already count as paid (with Klarna or Billie, for example) ask for nothing and therefore need no IBAN.

Important: Rechnungskit does not reconcile your bank account. A receivable counts as paid as soon as your shop reports the order as paid or you record the payment in Rechnungskit. Your shop stays the source of truth for payments received.

Payment term and reminders

• Payment term: it applies to pay-by-invoice payment methods from the shop, to pay by invoice in the checkout and to manual invoices. Next to the toggle "Pay by invoice", "Change payment term" leads straight there.
• Payment reminders: optional, two levels. Both count from the due date, by default 3 and 14 days after it.
• Email delivery: reminders need active email delivery; without it they pause.

Example: invoice today, due after 14 days, reminders on day 17 and day 28.