{"id":220753,"date":"2025-10-22T13:49:36","date_gmt":"2025-10-22T11:49:36","guid":{"rendered":"https:\/\/easy-software.com\/?post_type=glossar&#038;p=220753"},"modified":"2025-10-22T13:49:50","modified_gmt":"2025-10-22T11:49:50","slug":"zahlungsmittel","status":"publish","type":"glossar","link":"https:\/\/easy-software.com\/de\/glossar\/zahlungsmittel\/","title":{"rendered":"Zahlungsmittel"},"content":{"rendered":"<div class=\"gb-container gb-container-bff3e728\">\n<div class=\"gb-container gb-container-21f239a0\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-21d3b66e\">\n<div class=\"gb-grid-column gb-grid-column-8f04805b\"><div class=\"gb-container gb-container-8f04805b\">\n\n<p>Zahlungsmittel sind die <strong><mark class=\"has-inline-color has-marker-text-color\">Instrumente<\/mark><\/strong>, mit denen wirtschaftliche Transaktionen <strong><mark class=\"has-inline-color has-marker-text-color\">tats\u00e4chlich abgewickelt<\/mark><\/strong> werden.<\/p>\n\n\n<div 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d=\"M132,83.8c1.4,1.7,2.7,3.4,4,5c0,0,0,0,0,0c0.1,0.2,0.2,0.3,0.4,0.5c0.2,0.3,0.4,0.6,0.6,0.9\t\t\tc0.3,0.4,0.6,0.9,0.9,1.4c0.9,1.5,2.9,2.1,4.4,1.2c1.5-0.9,2.1-2.9,1.2-4.4c-1.7-2.7-3.8-5.1-5.8-7.6c-3.2-4-6.5-7.9-9.7-11.8\t\t\tc-7.2-8.6-14.5-17.1-21.7-25.7c-2.4-2.9-4.9-5.7-7.2-8.6c-1.1-1.4-3.5-1.1-4.6,0c-1.4,1.4-1.1,3.2,0,4.6\t\t\tc5.1,6.5,10.7,12.8,16,19.1C117.8,66.7,125,75.2,132,83.8z\"><\/path>\t\t<path fill=\"#1D1D1B\" d=\"M26.4,117.2c14.9,7.8,30.2,14.8,45.9,20.9c4.5,1.8,8.9,3.4,13.4,5.1c1.6,0.6,3.6-0.6,4-2.3\t\t\tc0.4-1.8-0.6-3.4-2.3-4C72,131.3,57,125,42.2,117.8c-4.2-2-8.3-4.1-12.5-6.3c-1.6-0.8-3.5-0.4-4.4,1.2\t\t\tC24.4,114.2,24.9,116.3,26.4,117.2z\"><\/path>\t\t<path fill=\"#1D1D1B\" d=\"M17.3,216.2C17.3,216.2,17.3,216.2,17.3,216.2C17.3,216.2,17.3,216.2,17.3,216.2\t\t\tC17.3,216.2,17.3,216.2,17.3,216.2z\"><\/path>\t\t<path fill=\"#1D1D1B\" d=\"M86.7,202.7c-8.2,1.7-16.4,3.4-24.7,5.1c-11.8,2.4-23.7,4.8-35.6,6.9c-2.4,0.4-4.8,0.8-7.2,1.2\t\t\tc-0.5,0.1-1,0.1-1.5,0.2c-0.1,0-0.3,0-0.4,0.1c0.2,0,0.3,0,0,0c-0.1,0-0.2,0-0.3,0c0.1,0,0.2,0,0.3,0c0,0-0.1,0-0.1,0\t\t\tc-0.7,0.1-1.3,0.2-2,0.2c-1.7,0.1-3.3,1.4-3.2,3.2c0.1,1.7,1.4,3.4,3.2,3.2c3.7-0.3,7.3-1,10.9-1.6c5.5-1,11.1-2,16.6-3.1\t\t\tc11.7-2.3,23.4-4.7,35.1-7.1c3.5-0.7,7.1-1.5,10.6-2.2c1.7-0.4,2.7-2.4,2.3-4C90.2,203.2,88.4,202.3,86.7,202.7z\"><\/path>\t<\/svg><\/span><\/p>\n\n\n\n<h2 class=\"gb-headline gb-headline-ee18a451 gb-headline-text gb-headline-small\">Was sind Zahlungsmittel?<\/h2>\n\n\n\n<p>Zahlungsmittel sind alle <strong>rechtlich anerkannten Mittel<\/strong>, mit denen eine <strong>Zahlungsverpflichtung erf\u00fcllt<\/strong> werden kann. Sie dienen dazu, den Austausch von Waren und Dienstleistungen <strong>abzuschlie\u00dfen<\/strong>, also den letzten Schritt im Kaufprozess zu vollziehen.<\/p>\n\n\n\n<p><strong>Man unterscheidet grunds\u00e4tzlich zwischen:<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bargeld<\/strong>: M\u00fcnzen und Banknoten als gesetzliches Zahlungsmittel.<\/li>\n\n\n\n<li><strong>Buchgeld<\/strong>: Geld auf Konten, z.\u202fB. bei \u00dcberweisungen oder Lastschriften.<\/li>\n\n\n\n<li><strong>Elektronischen Zahlungsmethoden<\/strong>: Kreditkarten, Debitkarten, Mobile Payment.<\/li>\n\n\n\n<li><strong>Digitalen W\u00e4hrungen<\/strong>: z.\u202fB. Bitcoin usw., die aber rechtlich nicht \u00fcberall offiziell anerkannt sind.<\/li>\n<\/ul>\n\n<\/div>\n\n\n<h2 class=\"gb-headline gb-headline-5daa93c7 gb-headline-text gb-headline-medium\">Gesetzliches Zahlungsmittel<\/h2>\n\n\n\n<p><strong><mark class=\"has-inline-color has-marker-text-color\">In Deutschland und der Eurozone gilt:<\/mark><\/strong><br><strong>Euro-Bargeld<\/strong> ist das <strong>gesetzliche Zahlungsinstrument<\/strong>. Das bedeutet: Es muss grunds\u00e4tzlich zur Begleichung von Schulden akzeptiert werden \u2013 es sei denn, es wurde vertraglich etwas anderes vereinbart.<\/p>\n\n\n\n<h2 class=\"gb-headline gb-headline-ff6440dc gb-headline-text gb-headline-medium\">Zahlungsmittel im Gesch\u00e4ftsalltag<\/h2>\n\n\n\n<p>Im unternehmerischen Kontext sind folgende Zahlungswege besonders verbreitet:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank\u00fcberweisung<\/strong>: Standard im B2B-Gesch\u00e4ft.<\/li>\n\n\n\n<li><strong>SEPA-Lastschrift<\/strong>: bei wiederkehrenden Zahlungen.<\/li>\n\n\n\n<li><strong>Kreditkarte<\/strong>: vor allem im Onlinehandel und bei internationalen Transaktionen.<\/li>\n\n\n\n<li><strong>Mobile Payment<\/strong>: zunehmend relevant im Einzelhandel (z.\u202fB. Apple Pay, Google Pay).<\/li>\n<\/ul>\n\n\n\n<p><strong><mark class=\"has-inline-color has-marker-text-color\">Die Wahl h\u00e4ngt ab von:<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>der <strong>Art der Leistung<\/strong>,<\/li>\n\n\n\n<li>dem <strong>Vertrauensverh\u00e4ltnis<\/strong>,<\/li>\n\n\n\n<li>der <strong>technischen Infrastruktur<\/strong><\/li>\n\n\n\n<li>und den <strong>rechtlichen Rahmenbedingungen<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"gb-headline gb-headline-ec4df682 gb-headline-text gb-headline-medium\">Unterschied: Zahlungsmittel vs. Zahlungsart<\/h2>\n\n\n\n<p>Beide Begriffe werden oft synonym verwendet, bezeichnen aber unterschiedliche Dinge:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Begriff<\/strong><\/td><td><strong>Bedeutung<\/strong><\/td><\/tr><tr><td><strong><mark class=\"has-inline-color has-marker-text-color\">Zahlungsmittel<\/mark><\/strong><\/td><td>Das konkrete Instrument zur Zahlung (z.\u202fB. Bargeld, Karte, \u00dcberweisung).<\/td><\/tr><tr><td><strong><mark class=\"has-inline-color has-marker-text-color\">Zahlungsart<\/mark><\/strong><\/td><td>Die Art und Weise der Zahlung (z.\u202fB. Barzahlung, Vorkasse, Ratenzahlung).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Beispiel:<\/strong><br>Bei einer Onlinebestellung mit \u201e<strong>Vorkasse<\/strong>\u201c als <strong>Zahlungsart<\/strong> ist die <strong>\u00dcberweisung<\/strong> das <strong>Zahlungsweg<\/strong>.<\/p>\n\n\n\n<h2 class=\"gb-headline gb-headline-44eb7c3a gb-headline-text gb-headline-medium\">Fazit<\/h2>\n\n\n\n<p>Zahlungsmittel sind also ein <strong>zentraler Bestandteil jeder Transaktion<\/strong>. F\u00fcr Unternehmen bedeutet das: Wer g\u00e4ngige Zahlungsweisen anbietet und klare Zahlungsziele kommuniziert, schafft Vertrauen und verbessert die eigene <strong>Liquidit\u00e4tsplanung<\/strong>. Digitale Verfahren wie Echtzeit\u00fcberweisungen oder Mobile Payment beschleunigen den Zahlungseingang, aber klassische Methoden wie die Bank\u00fcberweisung bleiben im B2B weiterhin Standard.<\/p>\n\n\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-5f82ae83\">\n<div class=\"gb-grid-column gb-grid-column-2916d779\"><div class=\"gb-container gb-container-2916d779 product-col\" data-sal =\"fade\" data-sal-easing=\"easeInOutSine\"><a class=\"gb-container-link\" href=\"https:\/\/easy-software.com\/de\/easy-archive\/\" aria-label=\"Produkt easy archive\"><\/a>\n<div class=\"gb-container gb-container-875c0171\">\n\n<h2 class=\"gb-headline gb-headline-e95cfbbc gb-headline-text gb-headline-marked-headline\"><span>easy<\/span><mark style=\"background-color:var(--easy-white)\" class=\"has-inline-color has-easy-blue-color\"><span>archive<\/span><\/mark><\/h2>\n\n<\/div>\n\n<div class=\"gb-container gb-container-852a5b1e\"><\/div>\n\n<div class=\"gb-container gb-container-d3cd68aa\">\n\n<p class=\"has-easy-white-color has-text-color\">Daten sicher und rechtskonform ablegen.<\/p>\n\n\n\n<span class=\"gb-button gb-button-7e027f88 gb-button-text-btn\"><span class=\"gb-button-text\">easy archive entdecken<\/span><span class=\"gb-icon\">  <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 48 48\">  <path d=\"m29.95 39.1-3.25-3.2 9.6-9.65h-33V21.7h33l-9.6-9.65 3.25-3.2L45.05 24Z\"><\/path><\/svg><\/span><\/span>\n\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-1f2fac37\"><div class=\"gb-container gb-container-1f2fac37 product-col\" data-sal =\"fade\" data-sal-easing=\"easeInOutSine\"><a class=\"gb-container-link\" href=\"https:\/\/easy-software.com\/de\/easy-invoice\/\" aria-label=\"Produkt easy invoice\"><\/a>\n<div class=\"gb-container gb-container-0633cccb\">\n\n<h2 class=\"gb-headline gb-headline-d99cc43b gb-headline-text gb-headline-marked-headline\"><span>easy<\/span><mark style=\"background-color:var(--easy-white)\" class=\"has-inline-color has-easy-cyan-color\"><span>invoice<\/span><\/mark><\/h2>\n\n<\/div>\n\n<div class=\"gb-container gb-container-89a53721\"><\/div>\n\n<div class=\"gb-container gb-container-05b55192\">\n\n<p class=\"has-easy-white-color has-text-color\">Rechnungen digital pr\u00fcfen und freigeben.<\/p>\n\n\n\n<span class=\"gb-button gb-button-393bc245 gb-button-text-btn\"><span class=\"gb-button-text\">easy invoice entdecken<\/span><span class=\"gb-icon\">  <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 48 48\">  <path d=\"m29.95 39.1-3.25-3.2 9.6-9.65h-33V21.7h33l-9.6-9.65 3.25-3.2L45.05 24Z\"><\/path><\/svg><\/span><\/span>\n\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Was wird eigentlich verwendet, um eine Rechnung zu begleichen? Bargeld, \u00dcberweisung, Kreditkarte oder digitale Coins?<\/p>\n","protected":false},"author":62,"featured_media":0,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-220753","glossar","type-glossar","status-publish","format-standard","hentry","no-featured-image-padding"],"acf":[],"_links":{"self":[{"href":"https:\/\/easy-software.com\/de\/wp-json\/wp\/v2\/glossar\/220753","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/easy-software.com\/de\/wp-json\/wp\/v2\/glossar"}],"about":[{"href":"https:\/\/easy-software.com\/de\/wp-json\/wp\/v2\/types\/glossar"}],"author":[{"embeddable":true,"href":"https:\/\/easy-software.com\/de\/wp-json\/wp\/v2\/users\/62"}],"version-history":[{"count":0,"href":"https:\/\/easy-software.com\/de\/wp-json\/wp\/v2\/glossar\/220753\/revisions"}],"wp:attachment":[{"href":"https:\/\/easy-software.com\/de\/wp-json\/wp\/v2\/media?parent=220753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}