Important information

The API reference is now available here.
The deprecated API reference is available here.


[Deprecated] Unzer Invoice Secured

Learn more about Unzer Invoice Secured and its workflow


If you are using payment types invoice-secured, note that this method is now deprecated. There are no further developments planned for it.

If you want to access the documentation for the new paylater-invoice payment type, check the Unzer Invoice page.

Invoice Secured is a convenient payment method to use, both for merchants and their customers. The merchant ships the goods and the customer pays for their order via bank transfer once the goods arrive. Unzer offers to check for received funds and commences matching. If the customer does not pay within a certain time frame the merchant will receive the funds from Unzer. Additionally, Unzer will also send two payment reminders to the customer if they don’t pay in a predefined time frame.

If the customer does not pay after receiving the reminders the claim will be transferred to an insurance company and the merchant will receive the funds from them.

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  • Ease of use: The customer can easily step through the checkout because they are provided the merchant’s account number in the end, and can send the money using their own bank account.
  • High level of security: Unzer is addressing the usual danger with invoice payments. If the transaction was successful and the shipment transaction has been sent in time, you will receive the funds even if the customer doesn’t send the payment.
  • Supported by all banks offering bank transfer to a German account: The Bank account that Unzer provides as the merchant’s account is in fact a trusted bank account held by Unzer.

Payment workflow

The following diagram explains workflow for Unzer invoice-secured payments.

Unzer Invoice Secured

Step 1: Create a invoice-secured payment type resource.

A resource ID is generated in the response and is used in the workflow to complete the payment.

Step 2: Make a charge transaction with the invoice-secured resource that you created.

Step 3: After the transaction, display the result (mainly contains the payment information) to the customer in the front end of the online shop.

Step 4: Add payment details on invoice


Step 5: After the goods are shipped a shipment call needs to be placed to activate the insurance.

Integration options

Quickly integrate with Unzer without any programming knowledge

Use pre-built, configurable all-in-one pages with your own mix of payment methods

Use pre-built forms and quickly integrate with minimum work on the client side

Integrate with Unzer using your own payment form