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kann beim Onlineshoppen der kurzfristige Zahlungsaufschub helfen.","nodeType":"text"}]}]},"paragraphStyle":"Body Large Bold"},"image":{"baseImage":"https://www.paypalobjects.com/marketing/web23/de/money-hub/hero_image_shop_using_buy_now_pay_later.jpg","mdImage":"https://www.paypalobjects.com/marketing/web23/de/money-hub/hero_image_shop_using_buy_now_pay_later.jpg","imageAltText":"Customer completing her purchase at a store","target":"_self"},"topicGroup":{"category":{"category":"Shopping","categoryId":"shopping"}},"author":{"authorGroupLabels":{"guestSpeakerLabel":"Gast","hostSpeakerLabel":"Gastgeber","authorSpeakerLabel":"Autor"},"authorName":"PayPal-Redaktion"},"socialMediaGroup":{"twitterAriaLabel":"Twitter","instagramAriaLabel":"Instagram","linkedInAriaLabel":"Linkedin","emailAriaLabel":"E-Mail"},"articleType":"article","articleTypeLabel":"Artikel","articleTimeToRead":"Lesezeit: 3 Min.","datesObj":{"shortDate":"29.09.2023","longDate":"29. 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September 2023","rawDate":"2023-09-28T23:59-05:00"},"articleRelativeUrl":"/de/money-hub/article/where-to-use-buy-now-pay-later","articleAbsoluteUrl":"https://www.paypal.com/de/money-hub/article/where-to-use-buy-now-pay-later","useGraphicShape":true,"theme":"neutral 100","heroMedia":{"image":{"baseImage":"https://www.paypalobjects.com/marketing/web23/de/money-hub/hero_image_shop_using_buy_now_pay_later.jpg","mdImage":"https://www.paypalobjects.com/marketing/web23/de/money-hub/hero_image_shop_using_buy_now_pay_later.jpg","imageAltText":"Customer completing her purchase at a store","target":"_self"},"type":"Image","roundedCorners":false,"componentType":"MediaFrame"},"componentType":"ArticleHeader","breadcrumbLinks":{"categoryUrl":"/de/money-hub/shopping","topicUrl":""}},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"paragraph":{"nodeType":"document","data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Manche Anschaffungen sind dringend notwendig, auch wenn es manchmal gar nicht passt: Vielleicht ist ja der Laptop hinüber und das Semester fängt bald an, für solche Fälle kann beim Onlineshoppen der kurzfristige Zahlungsaufschub helfen.","nodeType":"text"}],"nodeType":"paragraph","data":{}}]},"paragraphStyle":"Body Large Bold","componentType":"Paragraph"},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"paragraph":{"nodeType":"document","data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Das Konzept „Jetzt kaufen, später bezahlen“ ist in Deutschland nicht nur möglich, sondern auch immer beliebter. Laut einer Umfrage zu Online-Zahlungstrends 2022 haben bereits 40% der Kundschaft von Onlineshops das sogenannte „Buy Now, Pay Later“ (kurz BPNL, zu Deutsch „jetzt kaufen, später bezahlen“) in Anspruch genommen.^1^","nodeType":"text"}],"nodeType":"paragraph","data":{}},{"content":[{"data":{},"marks":[],"value":"So ist es nicht verwunderlich, dass in Deutschland mittlerweile viele Finanzdienste flexible ","nodeType":"text"},{"nodeType":"hyperlink","data":{"uri":"https://www.paypal.com/de/webapps/mpp/financial-flexibility"},"content":[{"data":{},"marks":[],"value":"Zahlungsmethoden","nodeType":"text"}]},{"data":{},"marks":[],"value":" anbieten, die den Kunden zB. die Möglichkeit bieten erst 30 Tage später* oder in monatlichen Raten** zu bezahlen. Auch der Kauf auf Rechnung bietet Flexibilität, weil die Rechnung erst innerhalb einer vereinbarten Frist beglichen werden muss. ","nodeType":"text"}],"nodeType":"paragraph","data":{}}]},"paragraphStyle":"Body Large","componentType":"Paragraph"},{"headline":{"nodeType":"document","data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Wie funktioniert „Jetzt kaufen, später bezahlen“?","nodeType":"text"}],"nodeType":"paragraph","data":{}}]},"headlineSize":"Headline 4","headlineTag":"h2","paragraph":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Einen Zahlungsaufschub beantragen geht mittlerweile komplett online bei vielen Online-Händlern. ","nodeType":"text"}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"value":"Um diesen Service zu nutzen, muss eine gute Bonität gegeben sein – denn eine Kreditwürdigkeitsprüfung wird bei einem Zahlungsaufschub meistens vorgenommen. ","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"paragraphStyle":"Body Large","componentType":"Paragraph"},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Wer bietet „Jetzt kaufen, später bezahlen“ an?","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"headlineSize":"Headline 6","headlineTag":"h3","paragraph":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Ok. So weit, so gut. Aber welche Finanzunternehmen kommen denn überhaupt in Deutschland in Frage? Es gibt einige, bei denen ein Zahlungsaufschub beantragt werden kann, darunter auch PayPal, ein in Luxemburg lizensiertes Kreditinstitut.","nodeType":"text"}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"value":"Die „Jetzt kaufen, später bezahlen“ Lösungen unterscheiden sich regelmäßig in den angebotenen Konditionen und Kundendienstleistungen. Ein sorgfältiger Vergleich sollte immer vorgenommen werden. Je nach Bedarf ermöglichen diese Lösungen es Verbraucher:innen, den Dienst \"Jetzt kaufen, später bezahlen\" auf unterschiedliche Weise zu nutzen. ","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"paragraphStyle":"Body Large","componentType":"Paragraph"},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Wo ein Zahlungsaufschub verwendet werden kann","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"headlineSize":"Headline 4","headlineTag":"h2","paragraph":{"nodeType":"document","data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Los geht es! Wenn ein Finanzinstitut, das „Jetzt kaufen, später bezahlen“ für Online-Shopper als Bezahlmethode anbietet, können Verbraucher:innen bei Erfüllung der geltenden Voraussetzungen den Zahlungsaufschub bei ihrem Einkauf nutzen und damit ihre Online-Einkäufe über kürzere Zeiträume finanzieren, anstatt sofort alles zu bezahlen. ","nodeType":"text"}],"nodeType":"paragraph","data":{}}]},"paragraphStyle":"Body Large","componentType":"Paragraph"},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Online einkaufen","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"headlineSize":"Headline 6","headlineTag":"h3","paragraph":{"nodeType":"document","data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Insbesondere beim Kauf im Internet kann die Möglichkeit, Waren zu bestellen und erst später zu bezahlen, genutzt werden − beispielsweise beim Einkauf von Haushaltsprodukten, technischen Geräten oder sogar bei Reisen. So können Nutzer:innen jetzt shoppen und bezahlen erst später. ","nodeType":"text"}],"nodeType":"paragraph","data":{}},{"content":[{"data":{},"marks":[],"value":"Wie viel später? Mit einem ","nodeType":"text"},{"nodeType":"hyperlink","data":{"uri":"https://www.paypal.com/de/webapps/mpp/30tage"},"content":[{"data":{},"marks":[],"value":"Zahlungsaufschub","nodeType":"text"}]},{"data":{},"marks":[],"value":" kann die Zahlung in der Regel bis 30 Tage nach dem eigentlichen Kaufdatum hinausgezögert werden.","nodeType":"text"}],"nodeType":"paragraph","data":{}}]},"paragraphStyle":"Body Large","componentType":"Paragraph"},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Dinge, die bei der Verwendung von „Jetzt kaufen, später bezahlen“ zu beachten sind","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"headlineSize":"Headline 4","headlineTag":"h2","paragraph":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Es gibt einige Dinge, die man bei der Verwendung von „Jetzt kaufen, später bezahlen“ beachten sollte, um zusätzliche Kosten zu vermeiden. Zum Beispiel ist es immer ratsam, die eigenen Finanzen im Blick zu haben. Auf der anderen Seite können pünktliche Zahlungen und eine Übersicht über ausstehende Beträge dabei helfen, nicht den Überblick zu verlieren. ","nodeType":"text"}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"value":"Hier ist eine Übersicht der wichtigsten Punkte, die bei der Zahlungsmöglichkeit „Buy Now, Pay Later“ (Jetzt kaufen, später bezahlen) zu beachten sind: ","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"paragraphStyle":"Body Large","componentType":"Paragraph"},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Zinsen","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"headlineSize":"Headline 6","headlineTag":"h3","paragraph":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Einige der angebotenen “Später bezahlen” Produkte, wie beispielsweise die Option von PayPal nach 30 Tagen zu zahlen*, werden ohne Grundgebühr und zusätzliche Kosten angeboten. Andere „buy now, pay later“ Optionen berechnen Zusatzkosten und Zinsen, die zusätzlich zur Hauptforderung zurückgezahlt werden müssen.","nodeType":"text"}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"value":"Daher ist es wichtig, die Nutzungsbedingungen der Anbietenden zu lesen.","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"paragraphStyle":"Body Large","componentType":"Paragraph"},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Zusätzliche Gebühren für verspätete Zahlungen","nodeType":"text"},{"data":{"uri":"https://www.paypal.com/de/webapps/mpp/30tage"},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":"","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"headlineSize":"Headline 6","headlineTag":"h3","paragraph":{"nodeType":"document","data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Bei Zahlungsverzug – das heißt, wenn der ausstehende Betrag zu spät bezahlt wurde – können zusätzliche Gebühren entstehen. Je nachdem, bei wem und wo eingekauft wurde, können Extra-Kosten unterschiedlicher Höhe anfallen. Auch hier hilft es, den Überblick über die eigenen Finanzen zu behalten.","nodeType":"text"}],"nodeType":"paragraph","data":{}},{"content":[{"data":{},"marks":[],"value":"Neugierig geworden? PayPal bietet Nutzer:innen die Möglichkeit, einen Zahlungsaufschub zu beantragen und damit erst 30 Tage nach dem Kauf zu zahlen. Auf der Website von PayPal sind alle relevanten Informationen und die Nutzungsbedingungen zur Zahlungsmöglichkeit „","nodeType":"text"},{"nodeType":"hyperlink","data":{"uri":"https://www.paypal.com/de/webapps/mpp/30tage"},"content":[{"data":{},"marks":[],"value":"30 Tage später zahlen","nodeType":"text"}]},{"data":{},"marks":[],"value":"” zu finden.","nodeType":"text"}],"nodeType":"paragraph","data":{}}]},"paragraphStyle":"Body Large","componentType":"Paragraph"},{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"War dieser Inhalt hilfreich?","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"ratingIconYesLabel":"Ja","ratingIconNoLabel":"Nein","submitButtonLabel":"Senden","submitButtonText":"Senden","topSpacer":"6vw","bottomSpacer":"6vw","feedbackText":" Wie können wir die Inhalte noch verbessern? (Max. 500 Zeichen)","thankYouMessage":"Vielen Dank für Ihr Feedback. Es hilft uns dabei, unsere Inhalte zu verbessern.","componentType":"ArticleRatingBanner"},{"headerTextGroup":{"textGroup":{"headline":{"data":{},"content":[{"content":[{"data":{},"marks":[],"value":"Verwandte Inhalte","nodeType":"text"}],"data":{},"nodeType":"paragraph"}],"nodeType":"document"},"headlineSize":"Headline 3","headlineTag":"h2"},"topSpacer":"4vw","bottomSpacer":"4vw","headlineTag":"h2","headlineSize":"Headline 4"},"topic":{"category":{"category":"Shopping","categoryId":"shopping"}},"componentType":"ArticleCardCarousel","collection":[{"articleId":"article/how-to-manage-subscription-payments","resourceHub":"MHUB","headline":{"headline":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"data":{},"marks":[],"value":"Abonnementverwaltung: Was zu beachten ist","nodeType":"text"}]}]},"headlineSize":"Headline 3","headlineTag":"h2","paragraph":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"}},"summary":{"headline":{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"document"},"paragraph":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"data":{},"marks":[],"value":"Streaming, Fitness, Dating oder auch Sprachen lernen – viele Menschen in Deutschland besitzen gleich mehrere Abonnements – besonders Online-Abos, die über das Internet angeboten werden.^1^ Sie sind praktisch, sparen oft Zeit und bieten viele Vorteile.","nodeType":"text"}]}]},"paragraphStyle":"Body Large Bold"},"image":{"baseImage":"https://paypalobjects.com/marketing/web23/de/money-hub/hero-image-manage-subscription-payments.jpg","mdImage":"https://paypalobjects.com/marketing/web23/de/money-hub/hero-image-manage-subscription-payments.jpg","imageAltText":"Frau liegt auf Sofa und tippt auf Tablet"},"topicGroup":{"category":{"category":"Shopping","categoryId":"shopping"}},"author":{"authorGroupLabels":{"guestSpeakerLabel":"Gast","hostSpeakerLabel":"Gastgeber","authorSpeakerLabel":"Autor"},"authorName":"PayPal-Redaktion"},"socialMediaGroup":{"twitterAriaLabel":"Twitter","instagramAriaLabel":"Instagram","linkedInAriaLabel":"Linkedin","emailAriaLabel":"E-Mail"},"articleType":"article","articleTypeLabel":"Artikel","articleTimeToRead":"Lesezeit: 4 Min.","datesObj":{"shortDate":"27.11.2023","longDate":"27. November 2023","rawDate":"2023-11-27T00:00-05:00"},"articleRelativeUrl":"/de/money-hub/article/how-to-manage-subscription-payments","articleAbsoluteUrl":"https://www.paypal.com/de/money-hub/article/how-to-manage-subscription-payments"},{"articleId":"article/giving-gift-donations","resourceHub":"MHUB","headline":{"headline":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"data":{},"marks":[],"value":"Spenden verschenken – so funktioniert‘s","nodeType":"text"}]}]},"headlineSize":"Headline 3","headlineTag":"h1"},"summary":{"headline":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"data":{},"marks":[],"value":"","nodeType":"text"}]}]},"paragraph":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"data":{},"marks":[],"value":"Viele in Deutschland lebende Menschen machen das Spenden an gemeinnützige Organisationen und Kirchen zur Gewohnheit. Im Jahr 2022 wurden knapp 5,7 Millionen Euro gespendet.^1^","nodeType":"text"}]}]},"paragraphStyle":"Body Large Bold"},"image":{"baseImage":"https://paypalobjects.com/marketing/web23/de/money-hub/hero-image-donations-asa-gift.jpg","mdImage":"https://paypalobjects.com/marketing/web23/de/money-hub/hero-image-donations-asa-gift.jpg","imageAltText":"Zwei Hände und ein Herz"},"topicGroup":{"category":{"category":"Shopping","categoryId":"shopping"}},"author":{"authorGroupLabels":{"guestSpeakerLabel":"Gast","hostSpeakerLabel":"Gastgeber","authorSpeakerLabel":"Autor"},"authorName":"PayPal-Redaktion"},"socialMediaGroup":{"twitterAriaLabel":"Twitter","instagramAriaLabel":"Instagram","linkedInAriaLabel":"Linkedin","emailAriaLabel":"E-Mail"},"articleType":"article","articleTypeLabel":"Artikel","articleTimeToRead":"Lesezeit: 3 Min.","datesObj":{"shortDate":"19.12.2023","longDate":"19. 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Bevor Sie sich zukünftig entscheiden, eine Anschaffung mit einer Finanzierungslösung zu tätigen, bitte prüfen Sie die Angemessenheit dieser Finanzierungsmöglichkeit im Hinblick auf deren Bedingungen und Gebühren, Ihre finanziellen Ziele, Situation und Bedürfnisse. Um dies bestmöglich zu überprüfen, sollten Sie gegebenenfalls Ihren eigenen unabhängigen, steuerlichen, finanziellen und rechtlichen Rat auch noch einholen.","nodeType":"text"}]},{"nodeType":"paragraph","data":{},"content":[{"data":{},"marks":[],"value":"*Vorbehaltlich Kreditwürdigkeitsprüfung. Für Einkäufe zwischen 1 € und 1.000 €. Mehr Informationen findest du unter https://www.paypal.de/30tage.","nodeType":"text"}]},{"nodeType":"paragraph","data":{},"content":[{"data":{},"marks":[],"value":"** Vorbehaltlich Kreditwürdigkeitsprüfung. Laufzeiten von 3, 6, 12 oder 24 Monaten. Ab 99 € und bis zu 5.000 € Bestellwert. Für die Laufzeiten 3, 6 und 12 Monate gilt ein eff. 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class="_pypl-logo-wrapper_17nkn_1186"><a href="/de/home" data-pa-click="Header-Logo-PayPal Logo" data-testid="header-logo" style="background-image: url(https://www.paypalobjects.com/marketing/web/logos/paypal-mark-color_new.svg);" class="_pypl-logo_2a3j6_4 _pypl-logo_17nkn_1186 undefined">PayPal-Logo</a></div><nav id="main-menu" class="_main-menu_17nkn_518"><div class="_main-menu-wrapper_17nkn_4770"><ul class="_main-menu-list_17nkn_1484"><li><button id="4PltRpyii46vlYXoGEmVMD" aria-controls="submenu-4PltRpyii46vlYXoGEmVMD" aria-expanded="false" data-text="Privatkunden" data-pa-click="{"link":"HeaderMainMenu-Link-Privatkunden", "event_name":"ppcom_header_nav_clicked"}" class="_glnv-header__subnav-control_17nkn_578 _main-link_17nkn_561">Privatkunden<span class="_glnv-header__subnav-control-icon_17nkn_1512"></span></button><div id="submenu-4PltRpyii46vlYXoGEmVMD" aria-label="Privatkunden" role="region" class="_submenu-wrapper_17nkn_657"><div id="header-4PltRpyii46vlYXoGEmVMD" class="_container_17nkn_981"><div class="_gn-header__subnav_17nkn_668"><h2 class="_segment-title-container_17nkn_1719"><a href="/de/digital-wallet/how-paypal-works" data-pa-click="{"link":"segment-title-Link-PayPal für dich", "event_name": "ppcom_segemnt_title_clicked" }" tabIndex="0" class="_segment-title-link_17nkn_1724 _segment-title-link-href_17nkn_2462">PayPal für dich<span class="_segment-title-link_href_arrow_17nkn_2437"></span></a></h2><div class="_dw-submenu-container_17nkn_1521"><div class="_wd-75_17nkn_1525 _wd-75-4_17nkn_2716"><div class="_submenu-col_17nkn_714 _wd-col-4_17nkn_2678"><h3 class="submenu-col__header-div"><a href="/de/digital-wallet/ways-to-pay" data-pa-click="{"link":"HeaderSubnav-SubHeader-SHOPBUY-Shoppen und bezahlen","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Shoppen und bezahlen<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 SHOPBUY"><a href="/de/digital-wallet/ways-to-pay/buy-now-pay-later" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Jetzt kaufen, später bezahlen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Jetzt kaufen, später bezahlen ">Jetzt kaufen, später bezahlen</a></li><li class="_link-type_with_href_17nkn_4286 SHOPBUY"><a href="/de/digital-wallet/ways-to-pay/checkout-with-paypal" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Mit PayPal zahlen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Mit PayPal zahlen ">Mit PayPal zahlen</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-4_17nkn_2678"><h3 class="submenu-col__header-div"><a href="/de/digital-wallet/send-receive-money" data-pa-click="{"link":"HeaderSubnav-SubHeader-SENDRECEIVE-Geld senden und empfangen","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Geld senden und empfangen<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 SENDRECEIVE"><a href="/de/digital-wallet/send-receive-money/send-money" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Geld senden", "event_name": "ppcom_header_nav_clicked" }" aria-label="Geld senden ">Geld senden</a></li><li class="_link-type_with_href_17nkn_4286 SENDRECEIVE"><a href="/de/digital-wallet/send-receive-money/request-money" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Geld anfordern", "event_name": "ppcom_header_nav_clicked" }" aria-label="Geld anfordern ">Geld anfordern</a></li><li class="_link-type_with_href_17nkn_4286 SENDRECEIVE"><a href="/de/digital-wallet/send-receive-money/money-pools" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Geld sammeln", "event_name": "ppcom_header_nav_clicked" }" aria-label="Geld sammeln ">Geld sammeln</a></li><li class="_link-type_with_href_17nkn_4286 SENDRECEIVE"><a href="/de/digital-wallet/send-receive-money/start-selling" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Einfach verkaufen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Einfach verkaufen ">Einfach verkaufen</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-4_17nkn_2678"><h3 class="submenu-col__header-div"><a href="/de/digital-wallet/manage-money" data-pa-click="{"link":"HeaderSubnav-SubHeader-MANAGEMONEY-Geld verwalten","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Geld verwalten<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 MANAGEMONEY"><a href="/de/digital-wallet/ways-to-pay/add-payment-method" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Zahlungsquelle hinzufügen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Zahlungsquelle hinzufügen ">Zahlungsquelle hinzufügen</a></li><li class="_link-type_with_href_17nkn_4286 MANAGEMONEY"><a href="/de/digital-wallet/security-and-protection" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Sicherheit und Schutz ", "event_name": "ppcom_header_nav_clicked" }" aria-label="Sicherheit und Schutz ">Sicherheit und Schutz </a></li></ul></div></div><div class="_wd-25_17nkn_2895 _wd-25-4_17nkn_2959"><ul class="_submenu-col_17nkn_714 _dw-submenu-cards_17nkn_1533 _dw-submenu-cards-3_17nkn_4682"><li class="_submenu-card_17nkn_1533"><a href="/de/digital-wallet" data-pa-click="{"link":"HeaderSubnav-Card-App herunterladen","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/personal-app.svg" alt="App herunterladen" /><div><div class="_text_17nkn_1533">App herunterladen</div></div></a></li><li class="_submenu-card_17nkn_1533"><a href="/de/digital-wallet/how-paypal-works" data-pa-click="{"link":"HeaderSubnav-Card-So funktioniert PayPal","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/personal-how-it-works.svg" alt="So funktioniert PayPal" /><div><div class="_text_17nkn_1533">So funktioniert PayPal</div></div></a></li><li class="_submenu-card_17nkn_1533"><a href="/de/money-hub" data-pa-click="{"link":"HeaderSubnav-Card-Money Hub","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/smart-blue.svg" alt="Money Hub" /><div><div class="_text_17nkn_1533">Money Hub</div></div></a></li></ul></div></div></div></div></div></li><li><button id="6CJeMbaTZnzHUTQGK7GNGE" aria-controls="submenu-6CJeMbaTZnzHUTQGK7GNGE" aria-expanded="false" data-text="KMU " data-pa-click="{"link":"HeaderMainMenu-Link-KMU ", "event_name":"ppcom_header_nav_clicked"}" class="_glnv-header__subnav-control_17nkn_578 _main-link_17nkn_561">KMU <span class="_glnv-header__subnav-control-icon_17nkn_1512"></span></button><div id="submenu-6CJeMbaTZnzHUTQGK7GNGE" aria-label="KMU " role="region" class="_submenu-wrapper_17nkn_657"><div id="header-6CJeMbaTZnzHUTQGK7GNGE" class="_container_17nkn_981"><div class="_gn-header__subnav_17nkn_668"><h2 class="_segment-title-container_17nkn_1719"><a href="/de/business" data-pa-click="{"link":"segment-title-Link-PayPal für kleine und mittlere Unternehmen", "event_name": "ppcom_segemnt_title_clicked" }" tabIndex="0" class="_segment-title-link_17nkn_1724 _segment-title-link-href_17nkn_2462">PayPal für kleine und mittlere Unternehmen<span class="_segment-title-link_href_arrow_17nkn_2437"></span></a></h2><div class="_dw-submenu-container_17nkn_1521"><div class="_wd-75_17nkn_1525 _wd-75-3_17nkn_2715"><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 class="submenu-col__header-div"><a href="/de/business/accept-payments" data-pa-click="{"link":"HeaderSubnav-SubHeader-ACCEPTPAYMENTS-Zahlungen akzeptieren","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Zahlungen akzeptieren<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 ACCEPTPAYMENTS"><a href="/de/business/accept-payments/checkout" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-PayPal Checkout", "event_name": "ppcom_header_nav_clicked" }" aria-label="PayPal Checkout ">PayPal Checkout</a></li><li class="_link-type_with_href_17nkn_4286 ACCEPTPAYMENTS"><a href="/de/business/accept-payments/checkout/installments" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Später bezahlen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Später bezahlen ">Später bezahlen</a></li><li class="_link-type_with_href_17nkn_4286 ACCEPTPAYMENTS"><a href="/de/business/accept-payments/invoice" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-E-Mail-Rechnungen", "event_name": "ppcom_header_nav_clicked" }" aria-label="E-Mail-Rechnungen ">E-Mail-Rechnungen</a></li><li class="_link-type_with_href_17nkn_4286 ACCEPTPAYMENTS"><a href="/de/business/pos-system" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Kassensystem", "event_name": "ppcom_header_nav_clicked" }" aria-label="Kassensystem ">Kassensystem</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 class="submenu-col__header-div"><a href="/de/business/financial-services" data-pa-click="{"link":"HeaderSubnav-SubHeader-FINANCIALSERVICES-Finanzdienstleistungen","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Finanzdienstleistungen<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 FINANCIALSERVICES"><a href="/de/business/financial-services/debit-card" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Business-Debitkarte", "event_name": "ppcom_header_nav_clicked" }" aria-label="Business-Debitkarte ">Business-Debitkarte</a></li><li class="_link-type_with_href_17nkn_4286 FINANCIALSERVICES"><a href="/de/business/financial-services/working-capital" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-PayPal Businesskredit", "event_name": "ppcom_header_nav_clicked" }" aria-label="PayPal Businesskredit ">PayPal Businesskredit</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 class="submenu-col__header-div"><a href="/de/business/operations" data-pa-click="{"link":"HeaderSubnav-SubHeader-BUSINESSOPERATIONS-Geschäftsabläufe","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Geschäftsabläufe<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 BUSINESSOPERATIONS"><a href="/de/business/operations/risk-management" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Risikomanagement", "event_name": "ppcom_header_nav_clicked" }" aria-label="Risikomanagement ">Risikomanagement</a></li><li class="_link-type_with_href_17nkn_4286 BUSINESSOPERATIONS"><a href="/de/business/operations/reporting-tools" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Berichtstools", "event_name": "ppcom_header_nav_clicked" }" aria-label="Berichtstools ">Berichtstools</a></li><li class="_link-type_with_href_17nkn_4286 BUSINESSOPERATIONS"><a href="/de/business/operations/shipping" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Versand", "event_name": "ppcom_header_nav_clicked" }" aria-label="Versand ">Versand</a></li><li class="_link-type_with_href_17nkn_4286 BUSINESSOPERATIONS"><a href="/de/business/operations/dispute-management" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Konfliktmanagement", "event_name": "ppcom_header_nav_clicked" }" aria-label="Konfliktmanagement ">Konfliktmanagement</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-RESOURCES-Ressourcen","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Ressourcen </h3><ul><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/webapps/mpp/partners-and-developers/partner-program/directory" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Integration von Drittanbietern", "event_name": "ppcom_header_nav_clicked" }" aria-label="Integration von Drittanbietern ">Integration von Drittanbietern</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/webapps/mpp/e-government" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-E-Government", "event_name": "ppcom_header_nav_clicked" }" aria-label="E-Government ">E-Government</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/brc/" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-PayPal Business Resource Center", "event_name": "ppcom_header_nav_clicked" }" aria-label="PayPal Business Resource Center ">PayPal Business Resource Center</a></li></ul></div></div><div class="_wd-25_17nkn_2895 _wd-25-3_17nkn_2958"><ul class="_submenu-col_17nkn_714 _dw-submenu-cards_17nkn_1533 _dw-submenu-cards-2_17nkn_4678"><li class="_submenu-card_17nkn_1533"><a href="/de/business/open-business-account" data-pa-click="{"link":"HeaderSubnav-Card-Erste Schritte","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/business-start.svg" alt="Erste Schritte" /><div><div class="_text_17nkn_1533">Erste Schritte</div></div></a></li><li class="_submenu-card_17nkn_1533"><a href="/de/webapps/mpp/merchant-fees" data-pa-click="{"link":"HeaderSubnav-Card-Gebühren","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/business-pricing.svg" alt="Gebühren" /><div><div class="_text_17nkn_1533">Gebühren</div></div></a></li></ul></div></div></div></div></div></li><li><button id="2QDNhY0dC2DSRp6twJ87LL" aria-controls="submenu-2QDNhY0dC2DSRp6twJ87LL" aria-expanded="false" data-text="Großunternehmen" data-pa-click="{"link":"HeaderMainMenu-Link-Großunternehmen", "event_name":"ppcom_header_nav_clicked"}" class="_glnv-header__subnav-control_17nkn_578 _main-link_17nkn_561">Großunternehmen<span class="_glnv-header__subnav-control-icon_17nkn_1512"></span></button><div id="submenu-2QDNhY0dC2DSRp6twJ87LL" aria-label="Großunternehmen" role="region" class="_submenu-wrapper_17nkn_657"><div id="header-2QDNhY0dC2DSRp6twJ87LL" class="_container_17nkn_981"><div class="_gn-header__subnav_17nkn_668"><h2 class="_segment-title-container_17nkn_1719"><a href="/de/enterprise" data-pa-click="{"link":"segment-title-Link-PayPal für Großunternehmen", "event_name": "ppcom_segemnt_title_clicked" }" tabIndex="0" class="_segment-title-link_17nkn_1724 _segment-title-link-href_17nkn_2462">PayPal für Großunternehmen<span class="_segment-title-link_href_arrow_17nkn_2437"></span></a></h2><div class="_dw-submenu-container_17nkn_1521"><div class="_wd-75_17nkn_1525 _wd-75-3_17nkn_2715"><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-PAYMENTS-Payments","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Payments </h3><ul><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/de/enterprise/payment-processing" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Payment Processing", "event_name": "ppcom_header_nav_clicked" }" aria-label="Payment Processing ">Payment Processing</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/de/enterprise/payment-processing/accept-paypal" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-PayPal akzeptieren", "event_name": "ppcom_header_nav_clicked" }" aria-label="PayPal akzeptieren ">PayPal akzeptieren</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/de/enterprise/payment-processing/accept-pay-later" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Später bezahlen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Später bezahlen ">Später bezahlen</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/de/enterprise/payment-processing/payment-optimization" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Payments Optimierung", "event_name": "ppcom_header_nav_clicked" }" aria-label="Payments Optimierung ">Payments Optimierung</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/de/webapps/mpp/campaigns/enterprise-solutions/local-payment-methods" tabIndex="0" data-pa-click="{"link":"HeaderSubnav4-Link-Zahlungsmethoden", "event_name": "ppcom_header_nav_clicked" }" aria-label="Zahlungsmethoden ">Zahlungsmethoden</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-RISKMANAGEMENT&OPERATIONS -Risiko und Prozesse","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Risiko und Prozesse </h3><ul><li class="_link-type_with_href_17nkn_4286 RISKMANAGEMENT&OPERATIONS "><a href="/de/enterprise/fraud-protection-advanced" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Betrugsschutz", "event_name": "ppcom_header_nav_clicked" }" aria-label="Betrugsschutz ">Betrugsschutz</a></li><li class="_link-type_with_href_17nkn_4286 RISKMANAGEMENT&OPERATIONS "><a href="/de/enterprise/global-payouts" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Auszahlungen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Auszahlungen ">Auszahlungen</a></li><li class="_link-type_with_href_17nkn_4286 RISKMANAGEMENT&OPERATIONS "><a href="/de/campaign/enterprise/payment-orchestration" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Orchestration", "event_name": "ppcom_header_nav_clicked" }" aria-label="Orchestration ">Orchestration</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-RESOURCES-Branchenlösungen","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Branchenlösungen </h3><ul><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/webapps/mpp/campaigns/enterprise/utilities" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Energie & Versorger", "event_name": "ppcom_header_nav_clicked" }" aria-label="Energie & Versorger ">Energie & Versorger</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/webapps/mpp/campaigns/enterprise/gaming" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Gaming", "event_name": "ppcom_header_nav_clicked" }" aria-label="Gaming ">Gaming</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/webapps/mpp/e-government" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Öffentlicher Sektor", "event_name": "ppcom_header_nav_clicked" }" aria-label="Öffentlicher Sektor ">Öffentlicher Sektor</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/webapps/mpp/campaigns/fuel-industry" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Tankstellen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Tankstellen ">Tankstellen</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/webapps/mpp/travel-industry" tabIndex="0" data-pa-click="{"link":"HeaderSubnav4-Link-Travel & Tourismus", "event_name": "ppcom_header_nav_clicked" }" aria-label="Travel & Tourismus ">Travel & Tourismus</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/enterprise/insurance" tabIndex="0" data-pa-click="{"link":"HeaderSubnav5-Link-Versicherungen", "event_name": "ppcom_header_nav_clicked" }" aria-label="Versicherungen ">Versicherungen</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-RESOURCES-Ressourcen","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Ressourcen </h3><ul><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/webapps/mpp/partners-and-developers/partner-program/directory" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Integration von Drittanbietern", "event_name": "ppcom_header_nav_clicked" }" aria-label="Integration von Drittanbietern ">Integration von Drittanbietern</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/business/platforms-and-marketplaces" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Plattformen und Marktplätze", "event_name": "ppcom_header_nav_clicked" }" aria-label="Plattformen und Marktplätze ">Plattformen und Marktplätze</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/de/brc/" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-PayPal Business Resource Center", "event_name": "ppcom_header_nav_clicked" }" aria-label="PayPal Business Resource Center ">PayPal Business Resource Center</a></li></ul></div></div><div class="_wd-25_17nkn_2895 _wd-25-3_17nkn_2958"><ul class="_submenu-col_17nkn_714 _dw-submenu-cards_17nkn_1533 _dw-submenu-cards-1_17nkn_4677"><li class="_submenu-card_17nkn_1533"><a href="/de/enterprise/contact-sales" data-pa-click="{"link":"HeaderSubnav-Card-Sales kontaktieren","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/enterprise-contact.svg" alt="Vertriebskontakt" /><div><div class="_text_17nkn_1533">Sales kontaktieren</div></div></a></li></ul></div></div></div></div></div></li><li><a id="2K5vv5DXXrtnjAEv82vzgr" href="https://developer.paypal.com/home/" aria-label="Developer" data-text="Developer" data-pa-click="{"link":"HeaderMainMenu-Link-Developer", "event_name":"ppcom_header_nav_clicked"}" class="_main-link_17nkn_561">Developer</a></li></ul><ul class="_main-menu-list_17nkn_1484"><li><a id="7Lp47zG2QHGKhUoftrcbj3" href="/de/smarthelp/home" aria-label="Hilfe" data-text="Hilfe" data-pa-click="{"link":"HeaderMainMenu-Link-Hilfe", "event_name":"ppcom_header_nav_clicked"}" class="_main-link_17nkn_561">Hilfe</a></li></ul></div><ul class="_main-menu__sublist_17nkn_1876"><li class="_sublist-cta-wrapper_17nkn_795"><a href="/de/webapps/mpp/account-selection" data-testid="legacy-mobile-signup" data-pa-click="{"link": "HeaderMainMenu0-Cta-Registrieren","event_name":"ppcom_header_signup_clicked"}" role="link" class="_pypl-btn_1q7vs_1 _pypl-btn--outline-white_1q7vs_39">Registrieren</a></li></ul></nav><div data-testid="header-buttons" id="_header-buttons_17nkn_1059" class="_header-buttons_17nkn_1059 _mobile-nav-btn__placeholder-padding_17nkn_3189"><div><a href="/signin" target="_self" id="_ul-btn_17nkn_1" role="link" data-pa-click="{"link": "HeaderMainMenu0-Cta-Einloggen","event_name":"ppcom_header_login_clicked"}" class="_pypl-btn_17nkn_882 _pypl-btn--small_17nkn_1055 _pypl-btn--outline-white_17nkn_1059">Einloggen</a><a href="/de/webapps/mpp/account-selection" target="_self" id="_signup-button_17nkn_1" role="link" data-pa-click="{"link": "HeaderMainMenu1-Cta-Registrieren","event_name":"ppcom_header_signup_clicked"}" class="_pypl-btn_17nkn_882 _pypl-btn--outline-white_17nkn_1059 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heading-text-size-title">PayPal Money Hub</span><span class="nav-button-icon-arrow"><span class="arrow-icon arrow-icon-theme arrow-icon-size-small"> <svg class="arrow-icon-arrow" width="28" height="17" viewBox="0 0 28 17" fill="none" preserveAspectRatio="xMinYMin meet" xmlns="http://www.w3.org/2000/svg" aria-hidden="true"><path class="arrow-icon-stroke" d="M26 8.01221H1" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path class="arrow-icon-stroke" d="M19.5 1.01221L26.5 8.01221L19.5 15.0122" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg><span class="arrow-icon-circle"></span></span></span></a><ul class="sub-nav-items-list" aria-hidden="false"><li class="sub-nav-list-item"><a href="/de/money-hub/shopping" data-pa-click="{"link":"SubNav-Link-Items-Shopping","event_name":"moneyhub_text_link_clicked"}" target="_self" data-text="Shopping" class="nav-button nav-button-type-link nav-button-type-link-nav-link"><span class="nav-button-text body-text-size-body">Shopping</span></a></li><li class="sub-nav-list-item"><a href="/de/money-hub/payments" data-pa-click="{"link":"SubNav-Link-Items-Zahlungen","event_name":"moneyhub_text_link_clicked"}" target="_self" data-text="Zahlungen" class="nav-button nav-button-type-link nav-button-type-link-nav-link"><span class="nav-button-text body-text-size-body">Zahlungen</span></a></li><li class="sub-nav-list-item"><a href="/de/money-hub/money-management" data-pa-click="{"link":"SubNav-Link-Items-Geldverwaltung","event_name":"moneyhub_text_link_clicked"}" target="_self" data-text="Geldverwaltung" class="nav-button nav-button-type-link nav-button-type-link-nav-link"><span class="nav-button-text body-text-size-body">Geldverwaltung</span></a></li></ul><div class="sub-nav-cta-motion-wrapper" style="opacity:0;width:0px;display:none;visibility:hidden"></div><div class="sub-nav-popup" id="sub-nav-popup" style="opacity:0;transform:translateX(0rem) translateY(1.25rem) scale(1) translateZ(0)"><a 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style="opacity:0;transform:translateX(-0.75rem) translateY(0rem) scale(1) translateZ(0)"><svg width="18" height="19" viewBox="0 0 18 19" fill="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" aria-label="" class="arrow-right-icon"><path d="M10.7199 14.5282C10.427 14.2353 10.427 13.7604 10.7199 13.4675L13.9396 10.2478H2.25C1.83579 10.2478 1.5 9.91204 1.5 9.49782C1.5 9.08361 1.83579 8.74782 2.25 8.74782H13.9395L10.7199 5.52813C10.427 5.23524 10.427 4.76037 10.7199 4.46747C11.0127 4.17458 11.4876 4.17458 11.7805 4.46747L16.2752 8.9622C16.2798 8.96675 16.2843 8.97133 16.2887 8.97596C16.4195 9.11096 16.5 9.29499 16.5 9.49782C16.5 9.69976 16.4202 9.88304 16.2904 10.0179C16.2867 10.0218 16.2829 10.0257 16.2791 10.0296L16.2772 10.0315L16.2752 10.0335L11.7805 14.5282C11.4876 14.8211 11.0127 14.8211 10.7199 14.5282Z"></path></svg></span></a></li></ul><button data-pa-click="{"link":"SubNav-Button-Popup-close button","event_name":"moneyhub_button_clicked"}" aria-label="Navigation schließen" type="button" class="nav-button nav-button-type-icon-button sub-nav-popup-close-btn"><svg width="24" height="25" viewBox="0 0 24 25" fill="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" aria-label="" class="close-icon"><path fill-rule="evenodd" clip-rule="evenodd" d="M11.9997 11.1308L7.25746 6.38877C6.74102 5.87235 5.90372 5.87237 5.3873 6.38881C4.87088 6.90524 4.8709 7.74254 5.38734 8.25896L10.1295 13.0009L5.38752 17.7427C4.87108 18.2591 4.87107 19.0964 5.38749 19.6128C5.90391 20.1293 6.7412 20.1293 7.25764 19.6129L11.9997 14.871L16.7417 19.6128C17.2581 20.1293 18.0954 20.1292 18.6118 19.6128C19.1282 19.0964 19.1282 18.2591 18.6118 17.7427L13.8698 13.0009L18.612 8.25896C19.1284 7.74254 19.1284 6.90525 18.612 6.38881C18.0956 5.87237 17.2583 5.87235 16.7418 6.38877L11.9997 11.1308Z" fill="#001C64"></path></svg></button></div></nav></div></div><section class="article-header-section article-header-section-graphic-with-media section-wrapper neutral-100-plate grid regular ppui30-palette brc-fqi0rz"><div class="brc-fth6fk"><div class="article-header-section-list-item article-topic-group"><a href="/de/money-hub/shopping" class="article-topic-group-text anchor-element" data-pa-click="{"link":"ArticleHeaderSection-Link-TopicGroup-Shopping","event_name":"moneyhub_text_link_clicked"}" pa-marked="1"><span class="article-topic-group-text heading-text-size-title">Shopping</span></a></div></div><div class="brc-1ho35k6"></div><div class="article-header-section-header-with-graphic-media brc-9us31i"><h1 class="article-header-section-headline heading-text-size-headline-2">Jetzt kaufen, später bezahlen – Wo und wie der Zahlungsaufschub funktioniert</h1> <div class="header-byline-group fluid-margin-top-4vw"><div class="header-byline-group-container"><div class="header-byline-group-company-details"><p class="header-byline-group-desktop body-text-size-body-large-bold">PayPal-Redaktion</p><p class="header-byline-group-mobile body-text-size-body-bold">PayPal-Redaktion</p><p class="header-byline-group-desktop body-text-size-body-large">29. September 2023</p><p class="header-byline-group-mobile body-text-size-body">29. September 2023</p></div><p class="body-text-size-body">Lesezeit: 3 Min.</p></div></div></div><div class="article-header-section-media-frame-grid brc-1ie5xku"><div class="article-header-section-media-frame image-frame image-frame-no-rounded-corners" style="min-height:14.375rem"></div></div><div class="article-header-section-social-group-list brc-1yut1gk"><ul class="social-group-list"><li><button class="social-group-list-social-button brc-1uw5zw1-button_base-text_button_lg-btn_full_width" data-ppui-info="buttons_7.4.0" aria-label="Twitter" data-pa-click="{"link":"ArticleHeaderSection-Button-SocialMediaGroup-Twitter","event_name":"moneyhub_button_clicked"}" pa-marked="1"><span class="social-group-list-social-icon brc-1sgwra0-svg-size_sm" data-ppui-info="icons_8.24.0__7.46.0" data-ppui="true"><svg xmlns="http://www.w3.org/2000/svg" fill="currentColor" viewBox="0 0 24 24" width="1em" height="1em" data-ppui="true"><path d="M13.712 10.622L20.413 3h-1.587l-5.819 6.618L8.36 3H3l7.027 10.007L3 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class="brc-1sgwra0-svg-size_sm" data-ppui-info="icons_8.24.0__7.46.0" data-ppui="true"><svg xmlns="http://www.w3.org/2000/svg" fill="currentColor" viewBox="0 0 24 24" width="1em" height="1em" data-ppui="true"><path fill-rule="evenodd" d="M22 6a1 1 0 0 0-1-1H3a1 1 0 0 0-1 1v12a.995.995 0 0 0 .44.83c.16.107.353.17.56.17h18a1 1 0 0 0 1-1V6zm-18.5.504v1.75l7.986 4.79a1 1 0 0 0 1.028 0l7.986-4.79v-1.75l-8.5 5.1-8.5-5.1z" clip-rule="evenodd" data-ppui="true"></path></svg></span></button></li></ul></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large-bold">Manche Anschaffungen sind dringend notwendig, auch wenn es manchmal gar nicht passt: Vielleicht ist ja der Laptop hinüber und das Semester fängt bald an, für solche Fälle kann beim Onlineshoppen der kurzfristige Zahlungsaufschub helfen.</p> </div></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Das Konzept „Jetzt kaufen, später bezahlen“ ist in Deutschland nicht nur möglich, sondern auch immer beliebter. Laut einer Umfrage zu Online-Zahlungstrends 2022 haben bereits 40% der Kundschaft von Onlineshops das sogenannte „Buy Now, Pay Later“ (kurz BPNL, zu Deutsch „jetzt kaufen, später bezahlen“) in Anspruch genommen.<sup>1</sup></p> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">So ist es nicht verwunderlich, dass in Deutschland mittlerweile viele Finanzdienste flexible <a href="https://www.paypal.com/de/webapps/mpp/financial-flexibility" target="_self" rel="" class="html-text-renderer-link fluid-margin-top-4vw paragraph-text" data-pa-click="{"link":"Paragraph-Link--Zahlungsmethoden","event_name":"moneyhub_text_link_clicked"}">Zahlungsmethoden</a> anbieten, die den Kunden zB. die Möglichkeit bieten erst 30 Tage später* oder in monatlichen Raten** zu bezahlen. Auch der Kauf auf Rechnung bietet Flexibilität, weil die Rechnung erst innerhalb einer vereinbarten Frist beglichen werden muss.</p> </div></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><h2 class="paragraph-headline fluid-margin-bottom-4vw heading-text-size-headline-4">Wie funktioniert „Jetzt kaufen, später bezahlen“?</h2> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Einen Zahlungsaufschub beantragen geht mittlerweile komplett online bei vielen Online-Händlern.</p> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Um diesen Service zu nutzen, muss eine gute Bonität gegeben sein – denn eine Kreditwürdigkeitsprüfung wird bei einem Zahlungsaufschub meistens vorgenommen.</p> </div></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><h3 class="paragraph-headline small-headline heading-text-size-headline-6">Wer bietet „Jetzt kaufen, später bezahlen“ an?</h3> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Ok. So weit, so gut. Aber welche Finanzunternehmen kommen denn überhaupt in Deutschland in Frage? Es gibt einige, bei denen ein Zahlungsaufschub beantragt werden kann, darunter auch PayPal, ein in Luxemburg lizensiertes Kreditinstitut.</p> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Die „Jetzt kaufen, später bezahlen“ Lösungen unterscheiden sich regelmäßig in den angebotenen Konditionen und Kundendienstleistungen. Ein sorgfältiger Vergleich sollte immer vorgenommen werden. Je nach Bedarf ermöglichen diese Lösungen es Verbraucher:innen, den Dienst "Jetzt kaufen, später bezahlen" auf unterschiedliche Weise zu nutzen.</p> </div></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><h2 class="paragraph-headline fluid-margin-bottom-4vw heading-text-size-headline-4">Wo ein Zahlungsaufschub verwendet werden kann</h2> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Los geht es! Wenn ein Finanzinstitut, das „Jetzt kaufen, später bezahlen“ für Online-Shopper als Bezahlmethode anbietet, können Verbraucher:innen bei Erfüllung der geltenden Voraussetzungen den Zahlungsaufschub bei ihrem Einkauf nutzen und damit ihre Online-Einkäufe über kürzere Zeiträume finanzieren, anstatt sofort alles zu bezahlen.</p> </div></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><h3 class="paragraph-headline small-headline heading-text-size-headline-6">Online einkaufen</h3> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Insbesondere beim Kauf im Internet kann die Möglichkeit, Waren zu bestellen und erst später zu bezahlen, genutzt werden − beispielsweise beim Einkauf von Haushaltsprodukten, technischen Geräten oder sogar bei Reisen. So können Nutzer:innen jetzt shoppen und bezahlen erst später.</p> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Wie viel später? Mit einem <a href="https://www.paypal.com/de/webapps/mpp/30tage" target="_self" rel="" class="html-text-renderer-link fluid-margin-top-4vw paragraph-text" data-pa-click="{"link":"Paragraph-Link--Zahlungsaufschub","event_name":"moneyhub_text_link_clicked"}">Zahlungsaufschub</a> kann die Zahlung in der Regel bis 30 Tage nach dem eigentlichen Kaufdatum hinausgezögert werden.</p> </div></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><h2 class="paragraph-headline fluid-margin-bottom-4vw heading-text-size-headline-4">Dinge, die bei der Verwendung von „Jetzt kaufen, später bezahlen“ zu beachten sind</h2> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Es gibt einige Dinge, die man bei der Verwendung von „Jetzt kaufen, später bezahlen“ beachten sollte, um zusätzliche Kosten zu vermeiden. Zum Beispiel ist es immer ratsam, die eigenen Finanzen im Blick zu haben. Auf der anderen Seite können pünktliche Zahlungen und eine Übersicht über ausstehende Beträge dabei helfen, nicht den Überblick zu verlieren.</p> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Hier ist eine Übersicht der wichtigsten Punkte, die bei der Zahlungsmöglichkeit „Buy Now, Pay Later“ (Jetzt kaufen, später bezahlen) zu beachten sind:</p> </div></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><h3 class="paragraph-headline small-headline heading-text-size-headline-6">Zinsen</h3> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Einige der angebotenen “Später bezahlen” Produkte, wie beispielsweise die Option von PayPal nach 30 Tagen zu zahlen*, werden ohne Grundgebühr und zusätzliche Kosten angeboten. Andere „buy now, pay later“ Optionen berechnen Zusatzkosten und Zinsen, die zusätzlich zur Hauptforderung zurückgezahlt werden müssen.</p> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Daher ist es wichtig, die Nutzungsbedingungen der Anbietenden zu lesen.</p> </div></div></section><section class="paragraph section-wrapper white-plate grid regular ppui30-palette brc-e12li4"><div class="brc-v1t39s"><div class="paragraph-container"><h3 class="paragraph-headline small-headline heading-text-size-headline-6">Zusätzliche Gebühren für verspätete Zahlungen</h3> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Bei Zahlungsverzug – das heißt, wenn der ausstehende Betrag zu spät bezahlt wurde – können zusätzliche Gebühren entstehen. Je nachdem, bei wem und wo eingekauft wurde, können Extra-Kosten unterschiedlicher Höhe anfallen. Auch hier hilft es, den Überblick über die eigenen Finanzen zu behalten.</p> <p class="fluid-margin-top-4vw paragraph-text body-text-size-body-large">Neugierig geworden? PayPal bietet Nutzer:innen die Möglichkeit, einen Zahlungsaufschub zu beantragen und damit erst 30 Tage nach dem Kauf zu zahlen. Auf der Website von PayPal sind alle relevanten Informationen und die Nutzungsbedingungen zur Zahlungsmöglichkeit „<a href="https://www.paypal.com/de/webapps/mpp/30tage" target="_self" rel="" class="html-text-renderer-link fluid-margin-top-4vw paragraph-text" data-pa-click="{"link":"Paragraph-Link--30 Tage später zahlen","event_name":"moneyhub_text_link_clicked"}">30 Tage später zahlen</a>” zu finden.</p> </div></div></section><section class="article-rating-banner section-wrapper white-plate grid regular ppui30-palette brc-jlvj8l"><div class="article-rating-banner-container neutral-100-plate brc-y59vw7"><div class="article-rating-banner-row-text"><div class="article-rating-banner-headline-container"><p class="heading-text-size-title">War dieser Inhalt hilfreich?</p> <div class="article-rating-banner-rating-icons-container"><button type="button" class="" aria-label="Ja" data-pa-click="{"link":"ArticleRatingBanner-Button-RatingContainer-Ja","event_name":"moneyhub_button_clicked"}" 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Er dient zu Informationszwecken über das Thema Jetzt kaufen, später bezahlen und Zahlungsaufschub. Dabei wird auch die Möglichkeit mit PayPal „30 Tage später bezahlen“ präsentiert. Der Text wurde aus einer allgemeinen Perspektiven verfasst, ohne Ihre finanziellen Ziele, Vermögenslage oder finanziellen Bedürfnisse zu berücksichtigen. Bevor Sie sich zukünftig entscheiden, eine Anschaffung mit einer Finanzierungslösung zu tätigen, bitte prüfen Sie die Angemessenheit dieser Finanzierungsmöglichkeit im Hinblick auf deren Bedingungen und Gebühren, Ihre finanziellen Ziele, Situation und Bedürfnisse. Um dies bestmöglich zu überprüfen, sollten Sie gegebenenfalls Ihren eigenen unabhängigen, steuerlichen, finanziellen und rechtlichen Rat auch noch einholen. </div></div><div class="disclosure-paragraph multi-line-text multi-line-text-wo-sup body-text-size-caption"><div class="multi-line-text-paragraph">*Vorbehaltlich Kreditwürdigkeitsprüfung. Für Einkäufe zwischen 1 € und 1.000 €. Mehr Informationen findest du unter https://www.paypal.de/30tage. </div></div><div class="disclosure-paragraph multi-line-text multi-line-text-wo-sup body-text-size-caption"><div class="multi-line-text-paragraph">** Vorbehaltlich Kreditwürdigkeitsprüfung. Laufzeiten von 3, 6, 12 oder 24 Monaten. Ab 99 € und bis zu 5.000 € Bestellwert. Für die Laufzeiten 3, 6 und 12 Monate gilt ein eff. Jahreszins von 11,99%, p.a. zu einem festen Sollzinssatz von 11,29% p.a. bei 3 Monaten, von 11,31% p.a. bei 6 Monaten, von 11,31% p.a. bei 12 Monaten. Für die Laufzeit von 24 Monaten gilt ein eff. Jahreszins von 10,99% p.a. zu einem festen Sollzinssatz von 10,42% p.a. Repräsentatives Beispiel gem. § 17 (4) PAngV: Nettodarlehensbetrag 1.000 €, Gesamtbetrag 1.062,53 €, 12 monatliche Raten à 88,54 €, fester Sollzinssatz 11,31% p.a., eff. Jahreszins 11,99% p.a. Der Kreditgeber ist PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal, L-2449 Luxembourg. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>1</sup></div><div class="multi-line-text-paragraph">Capterra. (2022, Juli). <a href="https://www.capterra.com.de/blog/2831/buy-now-pay-later-bnpl-studie" target="_blank" rel="noopener noreferrer" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--Umfrage zu Online-Zahlungstrends 2022","event_name":"moneyhub_text_link_clicked"}">Umfrage zu Online-Zahlungstrends 2022</a>. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>2</sup></div><div class="multi-line-text-paragraph">Verbraucherzentrale. (2023, Mai). <a href="https://www.verbraucherzentrale.de/wissen/digitale-welt/onlinedienste/buy-now-pay-later-schuldenfalle-oder-moderner-rechnungskauf-75599" target="_blank" rel="noopener noreferrer" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--Buy now pay later: Schuldenfalle oder moderner Rechnungskauf?","event_name":"moneyhub_text_link_clicked"}">Buy now pay later: Schuldenfalle oder moderner Rechnungskauf?</a> </div></div></div></div></section> </div></div><div id="gdprCookieBanner" class="gdprCookieBanner_container"><div id="gdprCookieContent_wrapper" class="gdprCookieBanner_content-container"><p class="gdprCookieBanner_content">Wenn Sie Cookies akzeptieren, verwenden wir diese, um Ihre Erfahrung zu verbessern und anzupassen und unseren Partnern zu ermöglichen, Ihnen personalisierte PayPal-Anzeigen zu zeigen, wenn Sie andere Websites besuchen. <a id="manageCookiesLink" href="https://www.paypal.com/myaccount/privacy/cookiePrefs?locale=de_DE">Cookies verwalten und mehr erfahren</a></p></div><div class="gdprCookieBanner_content-separator"></div><div class="gdprCookieBanner_buttonGroup"><button id="acceptAllButton" class="gdprCookieBanner_button">Akzeptieren</button><div class="gdprCookieBanner_button-separator"></div><button id="bannerDeclineButton" class="gdprCookieBanner_button gdprCookieBanner_decline-button">Ablehnen</button></div></div><script type="text/javascript" src="https://www.paypalobjects.com/marketing-resources/vendors/react-18_2_0-bundle.js"></script><script nonce="rFJfN9Lumg0W1AgUzt3WxZZXBZH7NZ+2Q0Eoz26Jpc6Zva6Z">(function () { var bannerFptiData = {}; function getFptiReqData () { let fptiReqData = window && window.fpti && window.PAYPAL && window.PAYPAL.analytics && window.PAYPAL.analytics.instance && window.PAYPAL.analytics.instance.options && window.PAYPAL.analytics.instance.options.request && window.PAYPAL.analytics.instance.options.request.data; if (fptiReqData) { bannerFptiData = { api_name: 'cookieBanner', page: 'main:privacy:policy:gdpr_v2.1', pgrp: 'main:privacy:policy', displaypage: window.fpti.pgrp, ppage: 'privacy_banner', bannertype: 'cookiebanner', ccpg: 'DE', flag: 'gdpr_v2.1', bannerversion: 'gdprv21_v4', bannersource: 'ConsentNodeServ', bannervariant: '', xe: '105410,105409,109679,109059,104405,104407', xt: '123956,123954,146708,143369,120151,119038', eligibility_reason: 'true', is_native: 'false', cookie_disabled: cookieDisabled(), reason_to_hide: reasonToHideBanner() }; if(false){ bannerFptiData = { ...bannerFptiData, userstate : 'undefined', usercountry : 'undefined', stateaccuracy : 'undefined', countryaccuracy : 'undefined', loggedin : 'undefined' } } } return fptiReqData; } function getFptiPage () { return getFptiReqData() && getFptiReqData().page; } function setSessionStorage(key) { try { sessionStorage.setItem(key, true); } catch (e) { console.log('error on setting sessioStorage', e); } } function isBannerClosed () { let is_banner_closed = false; try{ if(sessionStorage.getItem("isBannerClosed") || sessionStorage.getItem("isUserAccepted") || sessionStorage.getItem("isInvisibleBanner")){ is_banner_closed = true; } } catch (e){ is_banner_closed = false; } return is_banner_closed || (false && true && !navigator.cookieEnabled); } function reasonToHideBanner(){ let reason = ''; try { if (false && true && !navigator.cookieEnabled){ reason = 'cookies are disabled'; } else if(sessionStorage.getItem("isUserAccepted")){ reason = 'User accepted or declined'; } else if(sessionStorage.getItem("isBannerClosed")){ reason = 'Banner Closed'; } else if(sessionStorage.getItem("isInvisibleBanner")){ reason = 'Invisible banner loaded'; } } catch (error) { reason=''; } return reason; } function cookieFilteringRequest(eventSource) { const queryParamters = { eventSource, isQueryEncoded: true, page: '', component: '', eventSourceUrl: '', expireCookies: false }; if (window) { queryParamters.page = window.fpti && window.fpti.page || window.location && window.location.href; queryParamters.component = window.fpti && window.fpti.comp; const eventSourceUrl = window.location && window.location.href; queryParamters.eventSourceUrl = eventSourceUrl && eventSourceUrl.split("?")[0]; } const xhr = window.XMLHttpRequest ? new XMLHttpRequest() : new ActiveXObject('Microsoft.XMLHTTP'); let queryString = ''; Object.keys(queryParamters).forEach((key, index) => queryString += (index > 0 ? 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Jetzt shoppen, später bezahlen – wo und wann man es nutzen kann | PayPal DE

Jetzt shoppen, später bezahlen – wo und wann man es nutzen kann | PayPal DE