Payment Guarantee

Guaranteed payments ensure that merchants receive the full transaction amount even if the customer defaults or cancels the payment later. This eliminates payment risk and improves cash flow reliability for eCommerce businesses.

Novalnet verifies the creditworthiness of customers in real-time during the checkout process. Once approved, the transaction is guaranteed—regardless of payment delays or defaults from the buyer. Novalnet assumes the payment risk on behalf of the merchant.

Novalnet offers guaranteed payments for SEPA direct debit, invoice (buy now, pay later), and instalment payments within Germany, Austria, and Switzerland (DACH region), subject to credit checks.

Key benefits include zero risk of payment default, higher checkout conversion, reduced operational overhead on collections, and more predictable cash flow—especially for high-ticket or B2C purchases.

Currently, Novalnet’s guaranteed payments are designed primarily for B2C transactions in the DACH region. However, eligibility for B2B customers may be evaluated on a case-by-case basis depending on volume and risk profile.

Yes, Novalnet uses real-time credit checks through leading credit bureaus before approving any guaranteed payment. Only transactions meeting the risk criteria are guaranteed.

Absolutely. Novalnet allows you to offer guaranteed instalment payments, providing flexibility to your customers while ensuring full protection for your business from defaults.

Yes. Novalnet is a BaFin-licensed payment institution under German law, which means all its services—including guaranteed payments—meet stringent regulatory and compliance standards.

If the transaction was approved under Novalnet’s guarantee, you as the merchant still receive the full amount. Novalnet manages the risk and collections without involving you in the process.

You can activate guaranteed payments by integrating Novalnet’s all-in-one payment platform. The setup includes a real-time risk check engine, and no additional development is required if you’re already using Novalnet plugins or APIs.