The purchase on account in our store is realized via the payment service providers PayPal and Ratepay. For this you do not need an account with PayPal or Ratepay and can complete the order directly without detours. The further payment processing is then handled by PayPal and Ratepay.
Independently of the purchase on account, the free "pay later" function is also available to you when paying via PayPal within Germany. So you pay their ordered goods only 30 days after purchase (further extendable for a fee). Of course, as always with PayPal with full buyer protection.