BusinessNov 10, 2026, 4:11 PM UTC·2 min read

Sparkasse Introduces Click to Pay for Online Shopping on Nov 22

Sparkasse plans to launch Click to Pay on 22 November, letting customers pay online with their bank cards without typing in card numbers. Not every card qualifies.

A customer pays at an online checkout using a Sparkasse debit card on a smartphone. — Image: t3n Magazin

Sparkasse customers in Germany are due to get a simpler way to pay online this month. The bank plans to introduce Click to Pay on 22 November, making checkout with a Sparkasse account about as quick as PayPal, Klarna, Apple Pay or Google Pay.

How it works

Users set up a profile once in their Sparkasse app. After that, the option is available at any online shop that offers Click to Pay at checkout. Typing in the card number at the merchant is no longer necessary. According to a press release, the payment takes place in the "familiar and secure environment of the Sparkassen-Finanzgruppe". The merchant does not see the card details and only receives a token.

Customers reportedly won't get a fixed password for the service. Payments are confirmed instead with a one-time code sent to the registered email address, or via the S-pushTAN app.

Which cards and shops are supported

Click to Pay itself is not new. The Mastercard and Visa scheme has been available to German customers, for example at DKB, for years. Sparkasse is now rolling it out for all credit cards and girocards with a debit function.

There is a catch, though: older girocards without a Mastercard or Visa co-badge can't be used, which can be seen from the print on the card. Customers who want the service can request a replacement card from Sparkasse before their current one expires. Merchants must also support Click to Pay. Online shops of MediaMarkt, Saturn, Lidl, Kaufland, Netto and Marktkauf are among those that do so far.

S-ID-Check app being retired

The launch coincides with a change in payment approval. From January 2027, the S-pushTAN app replaces Sparkasse's S-ID-Check app for authorising online payments. New registrations in the S-ID-Check app have not been possible since January 2026. Customers who haven't switched yet are likely to be prompted to do so soon, with Click to Pay as a welcome extra.

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Tags:sparkasseclick to paygirocardonline paymentss-pushtan