[mschuster91]

> Maybe it is not done on purpose so that easier alternatives (like Paylib) are used instead, which may incur a fee while IBAN transferts are free.

The problem with IBAN transfers compared to Paypal, Sofortüberweisung, Klarna and friends is that the merchant doesn't get instant notification of the payment. SEPA instant payments exist, but usually cost the customer ~0.50€-2€ and a lot of the banks, particularly those whose tech stacks are fossilized mainframes, don't support them [0].

And even if the merchant's bank accepts SEPA IP, there is another problem - unlike Paypal and other processors, there are no "callbacks" from the bank to the merchant, the merchant's shop system would need the credentials for online banking to poll, and obviously it's not a great idea to put the main banking credential into the biggest target for hacker attacks a company has.

[0] https://www.tagesschau.de/wirtschaft/finanzen/instant-paymen...