Ordering on account without Klarna: 7 advantages for you and your customers

In today’s business world, it is becoming increasingly important for companies to offer their customers flexible and trustworthy payment methods. While many providers rely on external payment service providers such as Klarna, more and more companies are consciously opting to order on account without Klarna & Co – for example via powerful tools such as 1Tool. This decision is based on the desire for greater control, lower fees and a more personalized customer experience.

At 1Tool, we know what’s important: digital, automated and legally compliant invoice processing that also strengthens your customer loyalty and optimizes your internal processes. In this article, we will show you why ordering on account in combination with 1Tool is a future-oriented decision for your company – and the seven concrete benefits you will gain from it.

1. independence through own invoice solution with 1Tool

If you enable ordering on account without Klarna, Stripe or Paypal, you retain complete control over your payment processing. With 1Tool, you create individual invoices without having to rely on external providers such as Klarna. This means: no additional transaction fees, no binding to third-party provider guidelines and maximum flexibility in customer communication.

You define payment deadlines yourself, create invoices in your corporate design and automate the entire invoicing process – from creation to delivery and archiving. This not only strengthens your brand, but also offers your customers a direct, trustworthy shopping experience.

Especially in the B2B sector, ordering on account is often the preferred form of payment. With 1Tool, you can meet this expectation efficiently and legally compliant – without any compromises.

2. greater customer loyalty through trust and transparency

Customers prefer retailers where they can order on account without having to register with a payment service provider. This is precisely where the decisive advantage lies: you create a direct relationship of trust that promotes long-term customer relationships. Many end customers perceive external payment providers as impersonal or even intransparent – especially when it comes to payment requests or reminders over which the actual retailer no longer has any control.

By ordering on account without Klarna with 1Tool, you avoid such disruptions in the customer experience. You keep all communication with the buyer in your hands. You can design invoices individually, including personal messages, payment information and service notes. This promotes trust, reduces queries and increases the repurchase rate.

3. efficient payment processing with 1Tool – without any intermediaries

Ordering on account without Klarna & Co. is not only a question of customer loyalty, but also a significant efficiency factor for your internal processes. 1Tool offers you fully integrated invoice and payment processing that relieves your accounting department and secures your liquidity.

An overview of the most important functions of 1Tool:

Automated invoice generation including serial invoices for recurring services
Payment status tracking: open, paid or overdue – everything at a glance
Payment reminders & dunning: Automated according to individual deadlines
Direct payment links for online payments (e.g. credit card, instant bank transfer)
Legally compliant archiving and GDPR conformity
Customized invoice design to match your corporate branding

These features allow you to work professionally and automatically – without having to rely on Klarna or other providers. Particularly valuable is the function of adding a payment link to invoices in order to offer customers an uncomplicated online payment process despite purchasing on account.

4. more flexibility with special conditions and payment terms

One clear advantage of ordering on account is that you have control over payment terms. While Klarna specifies standardized payment terms, 1Tool allows you to make individual agreements with your customers – such as extended payment terms, graduated payments or discount offers.

This flexibility is a decisive competitive advantage, especially for regular customers or in project business. Even short-term special promotions or goodwill arrangements can be easily mapped in the 1Tool system. This means that you not only remain accommodating, but also professional and structured in your billing.

5. lower costs compared to Klarna and Co.

The use of external payment service providers is always associated with fees. For example, Klarna charges transaction costs, risk premiums and sometimes monthly basic fees. When ordering on account without Klarna, you save these costs – these savings add up significantly, especially with high sales or growing order volumes.

With 1Tool, you rely on a one-off system integration instead of ongoing fees, thereby directly increasing your margin. Investing in professional invoice and payment management therefore pays off in the short term – not only in accounting, but in your entire profit and loss account.

6. smoother communication and fewer complaints

Payment problems often arise due to a lack of transparency or faulty communication – especially when external service providers are involved. When ordering on account with 1Tool, you conduct all communication directly via your company. Customers contact you directly with questions about the invoice, not an anonymous payment provider.

The result: faster clarification, fewer queries and significantly fewer complaints. Your customer satisfaction increases and you retain control over the tone, content and service level in every situation.

7. legal certainty and data protection in a central platform

Data protection and legally compliant processes are mandatory today. With 1Tool, you fulfill all legal requirements – from the DSGVOcompliant dispatch to audit-proof archiving of your invoices. Unlike with Klarna or other third-party providers, all customer data remains in your system sovereignty.

Even when ordering on account without Klarna & Co., it is important to map dunning, payment tracking and archiving in a legally clean way – 1Tool provides professional workflows for this. This allows you to combine maximum security with maximum efficiency.

Conclusion: Order on account without Klarna & Co. – gain a competitive advantage with 1Tool!

Ordering on account without Klarna & Co. opens up far-reaching advantages for companies – from cost savings and process optimization to improved customer loyalty and greater brand impact, especially in the case of regional brand orientation. With a system like 1Tool, you can rely on a future-proof, independent and powerful solution that takes your business processes to a new level.

You retain control over your invoicingoffer a personal payment experience, reduce dependencies and gain new scope for individual customer solutions. But above all: you create a professional, direct relationship with your buyers – without detours via Klarna or other providers.

If you want to secure your company’s long-term success, you need your own smart invoice processing system. And 1Tool is the ideal platform for this.