{"id":4340,"date":"2020-10-30T21:06:00","date_gmt":"2020-10-30T20:06:00","guid":{"rendered":"https:\/\/webhosting.de\/?p=4340"},"modified":"2020-10-30T21:06:00","modified_gmt":"2020-10-30T20:06:00","slug":"shop-haendler-which-payment-methods-must-be-offered-fri-of-charge","status":"publish","type":"post","link":"https:\/\/webhosting.de\/da\/shop-haendler-welche-zahlungsarten-muessen-kostenlos-angeboten-werden\/","title":{"rendered":"Butiksforhandlere: Hvilke betalingsmetoder skal tilbydes gratis?"},"content":{"rendered":"

Butiksoperat\u00f8rer og handlende har det ikke let. De juridiske krav er n\u00e6sten uoverskuelige. Dette g\u00e6lder is\u00e6r for forbrugerlovgivningen, som indeholder omfattende bestemmelser. Forbrugerretten blev videreudviklet med en dom fra landsretten i Hamborg, som fastslog, at onlinebutikker skal tilbyde deres kunder gratis betalingsmidler.<\/p>\n

N\u00e5r to sk\u00e6ndes ...<\/h2>\n

I november 2016 skulle landsretten i Hamburg afg\u00f8re en retstvist mellem to operat\u00f8rer af onlinebutikker. Et rejsebureau med en tilknyttet onlinebutik tilb\u00f8d sine kunder betalingsmetoderne \"Visa Entropay\" og \"Viabuy Prepaid MasterCard\". Rejsebureauet tilb\u00f8d sine kunder de to betalingsmetoder gratis. S\u00e5 snart forbrugerne valgte alternative betalingsmetoder som f.eks. Visa-kreditkort eller \u00f8jeblikkelig bankoverf\u00f8rsel, skulle de betale et gebyr. Bel\u00f8bet varierede afh\u00e6ngigt af den valgte betalingsmetode og l\u00e5 mellem 76 cent og 23 euro. Rejsebureauets konkurrent mente, at prisfasts\u00e6ttelsen var ulovlig, og udstedte en advarsel. Et forlig uden for domstolene mislykkedes.<\/p>\n

\"Visa Entropay\" og \"Viabuy Prepaid MasterCard\" er us\u00e6dvanlige betalingsmetoder<\/p>\n

Landsretten i Hamburg gav den konkurrent, der havde udstedt advarslen, ret. Kunderne i onlinebutikker har generelt ret til gratis betalingsmetoder. Us\u00e6dvanlige betalingsmetoder som \"Visa Entropay\" og \"Viaboy Prepaid MasterCard\" m\u00e5 ikke tilbydes som de eneste betalingsmetoder. De erhvervsdrivende har lov til at opkr\u00e6ve gebyrer fra deres kunder for visse betalingsmetoder. Dette er dog kun muligt, hvis der ogs\u00e5 tilbydes gratis betalingsmetoder. Disse skal v\u00e6re \"almindelige\" og \"rimelige\". De, der tilbyder typiske betalingsmetoder som f.eks. PayPal, nyder godt af en h\u00f8j Retssikkerhed<\/a>. Brugen af betalingsmidlerne er enkel og almindelig.<\/p>\n

Juridisk korrekt design af onlinebutikker<\/h2>\n

I den retssag, der blev anlagt ved landsretten i Hamburg, manglede en \"almindelig\" og gratis betalingsmetode. Retten var af den opfattelse, at de anvendte betalingsmidler ikke var almindelige i Tyskland. Afg\u00f8relsen kom ikke som en overraskelse - i 2015 fastslog retten allerede, at \"Visa Entropay\" ikke er et almindeligt betalingsmiddel. De erhvervsdrivende b\u00f8r sikre sig, at det betalingsmiddel, de v\u00e6lger, er almindeligt. I de seneste m\u00e5neder har der gentagne gange v\u00e6ret stridigheder om, hvorvidt betalingsmetoden Sofort\u00fcberweisung er \"almindelig\" og \"rimelig\". Landsretten i Frankfurt fastslog i juni 2015, at dette ikke var tilf\u00e6ldet. Oberlandesgericht Frankfurt omst\u00f8dte dommen i august 2016 og besluttede, at betalingsmetoden \"Sofort\u00fcberweisung\" er et almindeligt betalingsmiddel. Onlinebutikker har endda lov til at tilbyde Sofort\u00fcberweisung som den eneste gratis betalingsmetode. Den finansielle tjenesteudbyder PayPal er s\u00e5 udbredt, at den ogs\u00e5 kan tilbydes som den eneste gratis betalingsmetode.<\/p>\n

Hvad anbefales?<\/h3>\n

Onlinebutikker b\u00f8r tilbyde s\u00e5 mange betalingsmuligheder som muligt. Blandt dem b\u00f8r der v\u00e6re et gratis betalingsmiddel. Nogle kunder l\u00e6gger stor v\u00e6gt p\u00e5 bestemte betalingsmidler. Et stort udvalg af betalingsmetoder f\u00f8rer til en st\u00f8rre kundebase - og dermed til \u00f8get oms\u00e6tning og overskud. Baggrunden for dette er, at nogle tjenesteudbydere som f.eks. PayPal tilbyder gratis k\u00f8berbeskyttelse. Hvis netbutikken ikke leverer varerne, refunderer PayPal straks det overf\u00f8rte bel\u00f8b. Kloge onlinebutikker b\u00f8r se n\u00e6rmere p\u00e5 betalingsbetingelserne hos de respektive udbydere. Transaktionsgebyret varierer meget. Sammenligning af de enkelte betingelser og valg af det gratis betalingsmiddel kan f\u00f8re til en mere gunstig betalingsadf\u00e6rd fra kundernes side. Dette p\u00e5virker den p\u00e5g\u00e6ldende onlinebutiks overskud. Tilsyneladende sm\u00e5 forskelle i transaktionsomkostningerne kan l\u00f8be op i enorme bel\u00f8b - afh\u00e6ngigt af butikkens st\u00f8rrelse.<\/p>\n

\"Penge\"<\/a>Hvilke betalingsmidler er de bedste?<\/h3>\n

Den mest popul\u00e6re betalingsmetode i Tyskland er betaling p\u00e5 faktura. Kunden modtager f\u00f8rst varerne og kan inspicere dem. Betalingen foretages, n\u00e5r varerne er blevet inspiceret. Fordelen for kunden er, at han kan fortryde k\u00f8bsaftalen inden for fortrydelsesfristen. Han har endnu ikke betalt noget p\u00e5 nuv\u00e6rende tidspunkt. Kreditkort, PayPal og direkte debitering bliver dog stadig vigtigere. Forudbetaling og efterkrav spiller ogs\u00e5 en ikke uv\u00e6sentlig rolle. De n\u00e6vnte betalingsmidler er - med undtagelse af PayPal - klassiske betalingsmidler. Der findes ogs\u00e5 andre varianter. Alternative betalingsmidler er Giropay, Amazon<\/a> Betalinger og Sofort\u00fcberweisung. Mindre udbydere er Skrill og Paysafecard. Hvis du leder efter en betalingsmetode, der er \"almindelig\" og \"rimelig\", b\u00f8r du fokusere p\u00e5 de ovenn\u00e6vnte betalingsmetoder. Accept af onlinebetalingsmetoder er blevet meget bedre i de seneste \u00e5r. Hvilken betalingsmetode der er den \"bedste\", er sv\u00e6rt at svare p\u00e5. Det afh\u00e6nger helt af kundens smag. De, der s\u00f8ger en kombination af ukompliceret, enkel og hurtig, vil foretr\u00e6kke betaling via kreditkort og PayPal. I fremtiden vil betaling med smartphone f\u00e5 st\u00f8rre betydning. N\u00e5r det drejer sig om sikkerhed, m\u00e5 onlinebetalingsmetoderne forventes at g\u00f8re sm\u00e5 indr\u00f8mmelser. Betaling via faktura eller direkte debitering er stadig den mest sikre l\u00f8sning. De, der udstyrer deres online shop med forskellige betalingsmetoder, b\u00f8r tilbyde mindst \u00e9n klassisk og \u00e9n moderne betalingsmetode. For eksempel k\u00f8b via PayPal og direkte debitering. Denne kombination vil opfylde behovene hos b\u00e5de yngre og \u00e6ldre kunder.<\/p>","protected":false},"excerpt":{"rendered":"

Shopbetreiber und H\u00e4ndler haben es nicht einfach. Die gesetzlichen Vorgaben sind nahezu un\u00fcberschaubar. Dies gilt insbesondere f\u00fcr das Verbraucherrecht, das umfangreiche Regelungen vorschreibt. Das Verbraucherrecht wurde durch ein Urteil des Landgerichts Hamburg dahingehend fortgebildet, dass Onlineshops ihren Kunden kostenlose Zahlungsmittel anbieten m\u00fcssen. Wenn zwei sich streiten … Das Landgericht Hamburg musste im November 2016 einen 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