Klarna + Sofort + PayPal + Apple Pay Austrian gateway stack, what’s the right mix?

The typical Austrian B2C stack covers ~95% of buyers with five rails:

• EPS-Überweisung, ~40% of AT online buyers (above).
• Klarna, the BNPL / Pay-later king in AT. Klarna Pay Now (former Sofort, now folded into Klarna), Klarna Pay-in-3, Klarna Pay-in-30. Huge with Austrian under-40 fashion / electronics buyers.
• RatePay, Otto Group’s BNPL, very strong in AT B2C (open invoice / Rechnungskauf is culturally preferred). Often paired with Klarna for full BNPL coverage.
• PayPal, ~50% of Austrian online buyers use PayPal. Required.
• Apple Pay, strong in AT mobile commerce (~30% of mobile payments).
• Cards (Visa / Mastercard), via Stripe, Adyen, Mollie, Hobex (Austrian), Worldline. Bambora also common.

We wire all five on a single Magento checkout with method-suppression by cart value (e.g. RatePay only above €30, Klarna BNPL only on certain categories) and B2B-only IBAN-on-invoice (Vorauskasse) for industrial accounts.