How do I pay with Klarna (Sofort)?

Last updated: 20 August 2026

SOFORT/Klarna is a payment method involving an online bank transfer. It requires authorizing the payment explicitly on every transfer if it is used. It is a secure and convenient payment method for our German users.

Steps include:

  1. 1Choosing Klarna (Sofort) as payment method
  2. 2Starting Klarna (Sofort) flow, which takes you to the Klarna (Sofort) website to authenticate the payment
  3. 3Returning back to Taptap Send when the payment goes through
Note: You will have to enter your IBAN and all information about your account in Klarna (Sofort) EACH time you transfer money. You will receive a PIN (via phone or push notifications) that you will have to enter manually.

The first time you are prompted to choose between Klarna (Sofort) or a bank card and the option you choose at this stage becomes your default payment method.

How to change the payment method: You can change this method in the screen of the payment and edit from there. When you are finalising your transfer - before the final validation button, you will see the mention "payment method" and an edit button on the right side. Select the "edit button" and you will be prompted in using the other payment method available.

Please note: You cannot make that change from the "payment method" menu at the moment but we plan on launching this as soon as possible.
Warning: If you try to use someone else's account, your payment method will be suspended.

How to complete a transfer with Klarna (Sofort)

  1. 1Choose the country you want to send money to.
  2. 2Enter the amount you want to transfer and tap Next.
  3. 3Choose your recipient from your contact list, or enter their details manually. Make sure all details are 100% correct as we cannot guarantee refunds.
  4. 4
    On the payment method screen, select Klarna (Sofort).
    • If you have already added a card to your account, tap Edit next to Payment method and select Klarna (Sofort).
    • If this is your first transfer, select Klarna (Sofort) when prompted.
  5. 5You will be redirected to the Klarna portal.
  6. 6Verify your phone number and enter the 6-digit code sent to you.
  7. 7Select your bank from the list and log in with your online banking credentials. Taptap Send does not have access to this information.
  8. 8Authorise the payment in your banking app.
  9. 9Once done, return to the Taptap Send app to check your transfer status.

Why didn't my Klarna (Sofort) payment go through?

Unfortunately, we won't know why your payment was declined because the bank keeps that information. We recommend reaching out to your bank to find out why they declined a payment.

How long do refunds take with Klarna (Sofort)?

Because of the way the funds are captured from your bank, Klarna (Sofort) refunds can take a little longer to process, in some cases, up to 7-10 days. Do not hesitate to review with your bank or to contact us if you have any questions on this.

Where is Klarna (Sofort) available?

We're planning to enable Klarna (Sofort) only for Germany at this time. Belgium and the Netherlands have similar payment methods that we may consider supporting in the future.

Klarna (Sofort) issue: sending directly via bank app

After you complete your first Klarna (Sofort) transaction you may see the ability to send directly from your banking app. This is NOT a viable way to send money through Taptap Send. You must always start transactions from the Taptap Send app. We do not support the ability to send money directly from your banking app.

What to do if you have accidentally sent through your bank account?

Because we do not support this flow, the funds that you sent to that IBAN should automatically be sent back to you after 3 business days.

If after 3 business days your funds have not been refunded, please contact us via the app so we can review the situation with you.

Still need help? Contact our support team through the app.