Why Secure Payment Methods Are Important
For buyers, trustworthy payment processing means that their financial data is protected and transactions are processed reliably. Sellers benefit from fast payouts and transparent processes. Our escrow system ensures that payments are only released when the goods have reached the buyer. Choosing the right payment method depends on several factors: your preference for speed, the desired level of anonymity, availability on your device and your security requirements. Each method has its specific advantages, which we explain in detail.Focus on security:All payment methods at SecretUndies are processed via certified payment providers. Your banking data will never be stored directly on our platform, but will be transferred to the respective payment service providers via encrypted connections.
Available payment methods at a glance
We offer five different payment options that cover different needs. Each method has been carefully selected to ensure security, discretion and ease of use.Instant transfer: Fast and direct
Instant transfer allows an immediate transfer directly from your checking account. This method is especially popular with users who do not have a credit card or prefer a direct bank account. The payment is processed in real time, so that sellers are quickly informed about the receipt. For buyers, immediate transfer means that they only have to enter their bank details once. Authentication takes place via the proven online banking process of your bank. Sellers benefit from fast payouts, as the funds are received immediately in the escrow account.Google Pay : Mobile payments for Android users
Google Pay offers Android users a convenient way to process payments with their smartphone. The method uses the payment information already stored on the device and enables fast authentication via fingerprint or face recognition. The advantage for buyers lies in the speed: With a few clicks, the payment is completed without having to re-enter credit card data each time. Sellers also receive the payment confirmation quickly, which speeds up the entire ordering process.Apple Pay : Elegant solution for iOS devices
Apple Pay is the preferred payment method for users of iPhones, iPads and Macs. Integration with the Apple ecosystem enables seamless payment processing with Touch ID or Face ID. The method provides additional security through tokenization, where the actual credit card data is not transferred. For buyers, Apple Pay means maximum convenience: payments can be completed with a fingerprint or face scan. Sellers benefit from the high acceptance rate and reliability of Apple Pay infrastructure, which ensures fast transactions.Credit Card: Classic and Universal
Payment by credit card is the most universal method that can be used by most users. We accept all major credit cards, including Visa, Mastercard and American Express. The payment is processed through a certified payment provider that guarantees the highest security standards. Buyers appreciate the flexibility of credit card payment because it works independently of the device or operating system. Sellers benefit from the broad acceptance and the opportunity to reach international buyers. The payout is reliable after successful transaction.Klarna : Flexible payment on account or installments
Klarna offers you the possibility to pay for your order flexibly. You can choose between different options: instant payment, payment on account or installment payment. This flexibility makes Klarna particularly attractive for buyers who want to plan their payments better. For buyers, Klarna means more control over their finances: You can choose the payment on account and pay later, or you decide to pay in installments to spread larger amounts over several months. Authentication takes place quickly and easily via Klarna’s proven system. Sellers benefit from the high acceptance rate and the fast payment processing by Klarna.| Payment method | Availability | Speed | Anonymity | Specific features |
|---|---|---|---|---|
| Immediate transfer | Germany, Austria | Immediate | High | Direct bank details, no credit card required |
| Google Pay | Android devices | Immediate | Very high | Biometric authentication, tokenization |
| Apple Pay | iOS devices, Mac | Immediate | Very high | Touch ID/Face ID, Apple ecosystem integration |
| Credit card | Worldwide | Immediate | Resources | Visa, Mastercard, American Express |
| Klarna | Germany, Austria, other EU countries | Immediate | High | Invoice, installment payment, immediate payment possible |
This is how payment processing works: step by step
Regardless of the chosen payment method, each transaction follows a structured process that ensures security for both parties. Our escrow system ensures that payments are only released when the goods have reached the buyer.Step 1: Select items and put them in the shopping cartYou search the marketplace and find an article that meets your wishes. After checking the details, add the item to your shopping cart.
Step 2: Go to checkout and choose payment methodIn the checkout area you will see all available payment methods. Choose the option that works best for you. You can use different methods for different orders.
Step 3: Enter and confirm payment detailsDepending on the chosen method, you will be forwarded for the appropriate authentication. In case of immediate transfer, the registration takes place via your online banking, with Google Pay or Apple Pay you use the biometric authentication of your device. With Klarna you can choose between immediate payment, invoice or installment payment.
Step 4: Payment is secured in the escrow systemThe payment will not be transferred directly to the seller, but will be deposited in a secured escrow account. This protects you as a buyer, as the payment is only released when the goods have arrived at you.
Step 5: Shipping and DeliveryThe seller dispatches the goods after receiving the order. You will receive a shipping confirmation and can track the status of your order at any time.
Step 6: Payment Release upon ReceiptOnce you have received and checked the goods, the payment is automatically released. The seller receives the money transferred to her or his withdrawal account.
Security aspects of payment processing
The security of your payment data is our highest priority. All payment methods are handled through certified payment providers that meet the highest security standards. Your sensitive data will never be stored on our servers.Encryption and data protection
All payment transactions are made via encrypted SSL connections. The data transmission complies with the standards of the Payment Card Industry Data Security Standard (PCI DSS). With Google Pay and Apple Pay, your credit card data is additionally protected by tokenization.Escrow system as additional security
Our escrow system offers an additional layer of security: The payment will only be released if you as a buyer have received and confirmed the goods. This protects you from fraud and ensures that sellers are only paid for goods actually shipped.Discretion in payments: What appears on your account statement?
Many users attach importance to the fact that payments are processed discreetly. We respect this wish and have arranged our payment processing accordingly. For all payment methods, only a neutral booking line appears on your bank statement or credit card statement. There is no indication of the type of goods purchased or the name of the platform. The booking is made via our payment provider with a discreet designation. For sellers, this means that their payouts are also discreet. The transfers to their accounts contain no indication of the type of items sold, but only neutral transaction names.Payments for sellers
As a seller, you will receive your money after a successful transaction. The payment is made automatically as soon as the buyer has received the goods and released the payment.Payment periods
The withdrawal is usually made within 2-3 working days after the release of the payment. The exact time periods may vary depending on the chosen withdrawal method. You can configure your payout settings in your seller dashboard.Payment methods
Sellers can have their income paid into their bank account. The payment is made by transfer to the account specified by you. Make sure your bank details are up-to-date and accurate to avoid delays.Frequent questions about payment options
Which payment method is the safest?
All offered payment methods meet the highest security standards. Google Pay and Apple Pay provide additional security through tokenization and biometric authentication. The escrow system protects you regardless of the chosen payment method.
Can I use different payment methods for different orders?
Yes, you can freely choose which payment method you want to use for each order. There is no attachment to any particular method. For example, you can pay for one order with Google Pay and the next one with Sofortüberweisung.
What happens if my payment fails?
If a payment is unsuccessful, the order will not be completed. You will receive an error message and can try again with the same or a different payment method. Your money will not be charged if the payment was not successful.
How discreet are the payments on my statement?
All payments appear with a neutral line on your account statement. There is no indication of the type of goods purchased or the name of our platform. Discretion is guaranteed with all payment methods.
When do I receive my money as a seller?
The payment is made automatically as soon as the buyer has received the goods and released the payment. As a rule, you will receive your money transferred to your specified bank account within 2-3 business days of release.
Does Apple Pay also work on Mac?
Yes, Apple Pay works on all Apple devices that support this feature, including Macs with Touch ID or Apple Watch. You can confirm the payment with your fingerprint or by double clicking on the Apple Watch.
Are there any fees for using the payment methods?
There are no additional fees for buyers. Payment methods can be used at no extra charge. Sellers pay the usual platform fees, which are independent of the chosen payment method of the buyer.
What payment options does Klarna offer?
With Klarna you can choose between three different payment options: instant payment, payment on account or installment payment. You can pay the bill later, and when paying installments you spread larger amounts over several months. The exact conditions will be shown to you during the ordering process.
