Articles on: Payment Methods & Terms

What credit check happens when I pay by invoice?

We use a "conditional inquiry" (Konditionsanfrage) through SCHUFA to assess invoice payment eligibility. This type of check does not affect your credit score and is not visible to other lenders.

Why we check

Invoice payment means we ship products before receiving payment. To offer this responsibly, we verify that businesses can reasonably meet payment terms. This protects both you from overcommitting and us from unpaid invoices.

What we think is fair: Everyone benefits from invoice payment options, but extending credit requires basic verification. We use the gentlest check available—one that leaves no mark on your credit file.

How it works

You choose invoice payment at checkout
We submit a conditional inquiry to SCHUFA
SCHUFA returns a recommendation based on your business data
We decide whether to offer invoice terms

The entire process takes seconds and happens automatically during checkout.

Quick tip: If invoice payment isn't offered, try paying with card for this order. Your credit status may change, and invoice might be available for future orders.

What data is shared

With SCHUFA:

Company name and address
Order value
Payment terms requested (net 14 days)

We do NOT share:

What you're buying
Your purchase history with us
Personal details beyond business contact

Good to know: SCHUFA is Germany's leading credit agency, used by most retailers offering invoice payment. Their data handling complies with GDPR.

Conditional inquiry vs. regular credit check

	Konditionsanfrage (What we use)	Regular credit check
Affects credit score	No	Yes
Visible to other lenders	No	Yes
Recorded on your file	No	Yes, for 12 months
Purpose	Assess payment risk	Major credit decisions

Who can pay by invoice?

Invoice payment is available to:

Registered businesses with valid VAT ID
Business addresses (not personal addresses)
New or existing accounts that pass the check

Not available for:

Individual consumers without business registration
First-time large orders from new accounts (may require card payment first)
Accounts with previous payment issues

Your rights

Under GDPR, you have the right to:

Request information about data stored about you
Object to automated decisions affecting your creditworthiness
Correct inaccurate data held by credit agencies

To exercise these rights regarding SCHUFA data, contact SCHUFA directly or contact us and we'll guide you through the process.

Prefer to avoid the check?

No problem. Choose any of these payment methods instead:

Credit/debit card (Visa, Mastercard, Amex)
PayPal
Apple Pay / Google Pay
Klarna (separate Klarna terms apply)

All other payment methods have no credit check.

Questions?

Questions about payment options? Drop us a message or chat with us. We're happy to help.

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Updated on: 25/12/2025

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