Radar · Payments in Germany
Best Payments Companies in Germany
The 235 best Payments companies in Germany in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Moss.
By Riya SenguptaFinancials
235companies tracked
$780.9Mdisclosed funding
0unicorns
58have raised
Germany's Payments sector has 235 tracked companies and $781M in disclosed funding, and this directory ranks them by equity raised and recent funding momentum. No unicorns yet, but the capital is concentrated where it counts.
Pliant leads the field at $82M, followed by Hawk at $27M and Aevi at $34M, with the rest of the top tier clustered between $21M and $41M. That's a mid-market funding stack, not a breakout story, and I'd note the absence of a nine-figure outlier is itself a signal about where German payments infrastructure sits today. The global backdrop is larger: ResearchAndMarkets.com puts the payments market at roughly $511.9B in 2022, forecasting $847.6B by 2027 at an 8.9% CAGR, driven by open banking, contactless adoption, and blockchain integration. Gaps in regulation remain a structural wildcard, especially as faster payments systems push settlement timelines tighter. So if you're mapping where patient, institutional capital is building real payment rails in Europe, this is the list that shows you the actual funding weight behind each name, not just the pitch.
FLIAR INTELLIGENCE · PAYMENTS × GERMANY
Our analysis of 150 Payments companies
$44.9b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2021.
150companies analysed
96%cloud-native stacks
2021funding peak (by rounds)
33unicorns
2018median founding year
518kcombined LinkedIn audience
70%of audience held by top 3
3companies hiring publicly (12 mo)
Ranked: Best Payments companies in Germany
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Moss Provider of a platform for managing company spending and automating finance 64Growth top 20%Moat top 21%Tech top 22%Talent top 28% All 11 signals ▾Growthtop 20% Moattop 21% Techtop 22% Talenttop 28% Innovationtop 31% Fundingtop 33% Patentstop 35% Producttop 46% Globalbottom 44% Marketbottom 35% Fin. healthbottom 25% Growth: Headcount 10 → 26 (+160%) across vintages Moat: Editorial + unicorn rating 8/10 · IP moat: 21 patents rank vs industry peers · Fliar Intelligence Index 64/100 | $148M | 24 mo ago | 26 | 2019 | Harald Wendel Technical Co-Founder & Svp Engineering | SentryFroala EditorAce+31 | 21 patents Decorative printed media with pop‑up and special‑effect greeting card technologies | — |
| 2 | pliant Provider of payment and card management solutions for business optimisation 64Moat top 22%Funding top 25%Tech top 34%Product top 34% All 8 signals ▾Moattop 22% Fundingtop 25% Techtop 34% Producttop 34% Growthtop 35% Talenttop 38% Marketbottom 47% Globalbottom 39% Moat: Editorial + unicorn rating 8/10 · Soonicorn Funding: Raised $82.3M across 7 rounds · 7 rounds over 5 yrs (1.4/yr) rank vs industry peers · Fliar Intelligence Index 64/100 | $82M | 13 mo ago | 141 | 2020 | Malte Rau Co-Founder & CEO | StoryblokTurbopackApple iCloud Mail+34 | — | 1 job opening · 1 expansion |
| 3 | Payleven Card payments on mobile phones. | $51M | 124 mo ago | — | 2012 | Rafael Otero Co-Founder | — | — | — |
| 4 | bezahl.de Payment processing solutions for car dealers 57Growth top 28%Funding top 33%Talent top 38%Product top 40% All 7 signals ▾Growthtop 28% Fundingtop 33% Talenttop 38% Producttop 40% Techtop 41% Marketbottom 39% Globalbottom 39% Growth: Web rank 5,000,000 → 1,000,000 YoY · Fresh capital in last 24 mo Funding: Raised $41.3M across 4 rounds · 4 rounds over 4 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 57/100 | $41M | 12 mo ago | 47 | 2018 | Lasse Diener Co-Founder & CEO | WebflowGSAPPayPal+16 | — | 1 job opening |
| 5 | TIS Payment optimization and management solutions for enterprises | $39M | 48 mo ago | 240 | 2010 | Joerg Wiemer Co-Founder | WordPress Block EditorWordPressApple iCloud Mail+34 | — | — |
| 6 | LaterPay Provider of tools enabling pay-as-you-go monetization for digital content and services | $37M | 72 mo ago | 16 | 2010 | — | — | 6 patents In-app contextual payment processing and app activation for mobile commerce | — |
| 7 | Orderbird Provider of POS solutions for restaurants | $36M | 89 mo ago | 104 104 → 113 (+9%) | 2011 | Bastian Schmidtke Co-Founder | Apple iCloud MailGoogle WorkspaceErlang+25 | — | — |
| 8 | Aevi Provider of in-person payment orchestration platform and related payment solutions 60Fin. health top 20%Innovation top 33%Funding top 38%Moat top 39% All 11 signals ▾Fin. healthtop 20% Innovationtop 33% Fundingtop 38% Moattop 39% Producttop 42% Growthtop 45% Talentbottom 49% Techbottom 48% Globalbottom 43% Marketbottom 41% Newsbottom 21% Fin. health: Revenue ~$64.4M · Revenue 1.9x total funding Innovation: 8 product lines rank vs industry peers · Fliar Intelligence Index 60/100 | $34M | 18 mo ago | 17 | 2015 | Mike Camerling CEO & MD | DatoCMSNode.jsTailwind CSS+12 | — | 1 partnership · 1 award |
| 9 | Gastrofix Provider of cloud-based POS and payment platform for restaurants | $30M | 107 mo ago | 121 | 2011 | — | RubyRuby on RailsEnvoy+17 | — | — |
| 10 | Ivy Provider of financial infrastructure for payments and banking in digital economy | $28M | 33 mo ago | — | 2021 | Peter Lieck Co-Founder & CRO | Framer SitesReactAmazon Web Services+16 | 2 patents Hair treatment formulations and dermatological mask technologies | — |
| 11 | Hawk Provider of AI-powered anti-money laundering and fraud prevention technology solutions 57Funding top 31%Growth top 35%Talent top 38%Moat top 41% All 10 signals ▾Fundingtop 31% Growthtop 35% Talenttop 38% Moattop 41% AItop 45% Techtop 49% Patentstop 49% Innovationbottom 48% Marketbottom 40% Globalbottom 39% Funding: Raised $27.0M across 3 rounds · 3 rounds over 7 yrs (0.4/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 57/100 | $27M | 14 mo ago | 36 | 2018 | Tobias Schweiger Co-Founder & CEO | DrupalApple iCloud MailMicrosoft 365+19 | 4 patents Financial fraud detection and compliance monitoring using explainable AI analytics | 2 partnerships · 1 award |
| 12 | Aufinity Digital payment management for car dealerships 40Funding top 35%Growth top 35%Tech top 50%Talent bottom 49% All 6 signals ▾Fundingtop 35% Growthtop 35% Techtop 50% Talentbottom 49% Globalbottom 38% Marketbottom 29% Funding: Raised $25.9M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 40/100 | $26M | 12 mo ago | — | 2018 | Markus Wolf CFO & Managing Director | WebflowApple iCloud MailGSAP+13 | — | — |
| 13 | Stocard App-based platform for reward payments | $25M | 96 mo ago | 81 | 2011 | Florian Barth Founder and CTO | Amazon Web ServicesCloudflarecdnjs+10 | — | — |
| 14 | Payrails Provider of modular platform for payment and financial infrastructure management 37Funding top 36%Talent top 38%Tech top 39%Moat top 39% All 9 signals ▾Fundingtop 36% Talenttop 38% Techtop 39% Moattop 39% Growthbottom 40% Globalbottom 37% Marketbottom 35% Partnersbottom 35% Newsbottom 31% Funding: Raised $20.8M across 3 rounds · 3 rounds over 4 yrs (0.8/yr) Talent: 2 named leaders on record · 2 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 37/100 | $21M | 12 mo ago | 30 | 2021 | Orkhan Abdullayev Co-Founder & CEO | WebflowCart FunctionalityApple iCloud Mail+14 | — | 1 partnership · 1 award |
| 15 | Mopay Provider of fresh fruit-based drinks and desserts | $20M | 300 mo ago | 56 | 2000 | — | — | — | — |
| 16 | Fraugster Fraud protection API for online payments | $19M | 91 mo ago | 55 | 2014 | — | — | — | — |
| 17 | Payworks White label payment gateway and mPoS solutions | $19M | 100 mo ago | 60 | 2012 | — | — | — | — |
| 18 | Paymill Payment processing solution for businesses | $18M | 160 mo ago | 51 | 2012 | — | — | — | — |
| 19 | Bling Provider of a card and app for kids and teens 53Tech top 22%Talent top 28%Growth top 40%Funding top 44% All 7 signals ▾Techtop 22% Talenttop 28% Growthtop 40% Fundingtop 44% Productbottom 48% Globalbottom 39% Marketbottom 32% Tech: 61 technologies across 6/8 capability areas · Cloud: Amazon Ses, Amazon Web Services Talent: 4 named leaders on record · 4 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 53/100 | $16M | 23 mo ago | 22 | 2021 | Nils Feigenwinter Co-Founder & CEO | TurbopackSentryNode.js+35 | — | 1 job opening · 2 launchs |
| 20 | Wallet Studio Digital wallet solutions provider for businesses 53Funding top 43%Talent top 45%Global bottom 36% All 3 signals ▾Fundingtop 43% Talenttop 45% Globalbottom 36% Funding: Raised $8.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Talent: 2 named leaders on record rank vs industry peers · Fliar Intelligence Index 53/100 | $8M | 14 mo ago | — | 2018 | Anna Bojic Co-Founder & Co-CEO | — | — | — |
| 21 | Xpay White-label solutions for payment cards | $8M | 77 mo ago | 21 | 2016 | Denis Raskopoljac Co-Founder & CEO | — | — | — |
| 22 | PAYONE Omni-channel platform for online payment acceptance | $7M | 202 mo ago | 1,052 | 2003 | Carl Frederic Zitscher CEO | — | — | — |
| 23 | getpaid Merchant payment processing with split payments, and automated payout solutions | $6M | 32 mo ago | 16 | 2022 | Cyrosch Kalateh Co-Founder & CEO | Webflow EcommerceWebflowMicrosoft Clarity+11 | — | — |
| 24 | UnitPlus Wallet-enabled prepaid reloadable card with investment solutions | $6M | 19 mo ago | 19 | 2021 | — | WordPressMySQLPHP+33 | — | 1 partnership |
| 25 | Spendit Employee benefits management tool for businesses | $5M | 98 mo ago | 46 46 → 84 (+83%) | 2014 | — | WordPressApple iCloud MailMySQL+39 | — | — |
| 26 | Tillhub iPad based POS system | $5M | 72 mo ago | 53 53 → 50 (-6%) | 2015 | — | HubSpot CMS HubApple iCloud MailGoogle Workspace+20 | — | — |
| 27 | Parto A digital payment solution for social and healthcare institutions | $3M | 20 mo ago | — | 2023 | Thomas Heuck Co-Founder & Managing Director | WebflowApple iCloud MailGoogle Workspace+9 | — | — |
| 28 | 4Stop Provider of on-demand KYC solutions | $2M | 85 mo ago | 4 | 2012 | Ingo Ernst Founder & CEO | — | — | — |
| 29 | Cringle Mobile wallet based money transfer | $2M | 105 mo ago | 15 | 2013 | — | — | — | — |
| 30 | Moojo Online accounting and invoicing platform for freelancers | $2M | 49 mo ago | 7 | 2021 | Christian Engnath Co-Founder & CPO/COO | — | — | — |
| 31 | Atrya Provider of regulated stablecoin infrastructure for businesses needing digital payment solutions 55Talent top 25%Funding bottom 45%Global bottom 25% All 3 signals ▾Talenttop 25% Fundingbottom 45% Globalbottom 25% Talent: 6 named leaders on record Funding: Raised $1.7M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 55/100 | $2M | 7 mo ago | — | 2023 | Benjamin James Co-Founder & Head of Technology | — | — | — |
| 32 | Denario Invoice management and payment solutions for businesses | $2M | 53 mo ago | — | 2021 | Philipp Pohlmann Co-Founder & CEO & Managing Director | — | — | — |
| 33 | AAZZUR Provider of open banking API solutions to banks and financial institutions 29Talent top 38%Innovation top 39%Product top 43%Funding top 47% All 9 signals ▾Talenttop 38% Innovationtop 39% Producttop 43% Fundingtop 47% Newstop 48% Moattop 48% Globalbottom 45% Techbottom 44% Marketbottom 17% Talent: 2 named leaders on record · 2 C-suite/founder profiles curated Innovation: 5 product lines rank vs industry peers · Fliar Intelligence Index 29/100 | $1M | 8 mo ago | 3 | 2017 | Martin Damaske Co-Founder & CFO | — | — | 2 partnerships · 1 award |
| 34 | petaFuel Provider of payment processing, 3-D secure services, and mobile app development | $1M | 130 mo ago | 76 | 2004 | — | WordPressApple iCloud MailMicrosoft 365+16 | — | — |
| 35 | Lendstar Manufacturer of custom plastic containers for various industries | $807K | 135 mo ago | 10 | 2013 | Christopher Kampshoff CEO | — | — | — |
| 36 | Payever Merchant payment solutions along with purchase financing | $690K | 131 mo ago | 14 14 → 28 (+100%) | 2013 | Artur Schlaht Co-Founder & CEO | Apple iCloud MailElasticsearchTypeScript+17 | — | 1 launch |
| 37 | Isaac10 Develops automated recurring payments solutions | $562K | 128 mo ago | 2 | 2013 | — | — | — | — |
| 38 | Paymey Innovative mobile payment | $545K | 146 mo ago | — | 2013 | Denis Jung Co-Founder | — | — | — |
| 39 | Rally Provider of fleet finance solutions with integrated expense management | $500K | 12 mo ago | — | 2025 | Nick Telecki Co-Founder & CEO | WebflowTurbopackSentry+14 | — | — |
| 40 | Wirecard Payment processing solutions for businesses and merchants | $215K | 86 mo ago | 4,989 | 1999 | Markus Braun CEO & CTO | Cart FunctionalityAsciidoctorApple iCloud Mail+10 | 2 patents Enables secure transmission and processing of shopping‑cart data in e‑commerce systems. | — |
Top 12 Payments companies in Germany
#1
Series B · Berlin, Berlin · founded 2020 · 141 employees$82.3Mraised▾
Series B · Berlin, Berlin · founded 2020 · 141 employees
Provider of payment and card management solutions for business optimisation. The company offers payment applications, APIs, and cards-as-a-service. These products allow businesses to streamline payment processes. The platform provides features such as real-time monitoring, spend control, and accounting automation. It also offers card issuance, global bank transfers, and transaction insights.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
Moat
top 22%Funding
top 25%Tech
top 34%Product
top 34%Growth
top 35%Talent
top 38%Moat: Editorial + unicorn rating 8/10 · Soonicorn
Funding: Raised $82.3M across 7 rounds · 7 rounds over 5 yrs (1.4/yr) · Last round Series B (Apr 2025)
Tech: 38 technologies across 5/8 capability areas · Cloud: Amazon Ses, Amazon Web Services · Observability: Microsoft Clarity
Audience (LinkedIn): 17k LinkedIn followers — 3.2% of this cohort's audience · 53 engagements/post (1.9× cohort median)
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Business Development Manager - Eastern European Markets, Enterprise Sales Manager
Activity (LinkedIn): 1 expansions announced in 12 mo
Funding rounds
- Apr 2025Series B$40M
- Apr 2024Series A$19.1M
- Jan 2024Series A$8.8M
- Jan 2024Conventional Debt$109.5M
Founders & team
Investors
SBI Investment, MS&AD Ventures, neosfer, Motive Partners, Alstin Capital, PayPal Ventures
Tech stack
Amazon SesAmazon Web ServicesApple Icloud MailBootstrapCalendlyCloudflare
#2
Series C · Cologne, North Rhine Westphalia · founded 2018 · 47 employees$41.3Mraised▾
Series C · Cologne, North Rhine Westphalia · founded 2018 · 47 employees
Payment processing solutions for car dealers. It features solutions for automated accounting, payment traceability, contactless payment, invoice digitization, and more. It offers payment solutions for car purchases via smartphone. It also provides payment management for workshops, service centers, and more.
Fliar Intelligence Index™ 57how this company ranks against its industry peers
Growth
top 28%Funding
top 33%Talent
top 38%Product
top 40%Tech
top 41%Market
bottom 39%Growth: Web rank 5,000,000 → 1,000,000 YoY · Fresh capital in last 24 mo
Funding: Raised $41.3M across 4 rounds · 4 rounds over 4 yrs (1.0/yr) · Last round Series C (May 2025)
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Audience (LinkedIn): 8k LinkedIn followers
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Head of Development, Senior Software Developer
Funding rounds
- May 2025Series C$26M
- Mar 2024Series B$23.9M
- Mar 2023Series A$11.7M
- Feb 2022Seed$5.7M
Founders & team
Investors
PayPal Ventures, Seaya, Walter Ventures, Motive Partners, Embedded, Wessel Management
Tech stack
BunnyCart FunctionalityCloudflareCloudflare Bot ManagementCore-JsGoogle Tag Manager
#3
Series A · Berlin, Berlin · founded 2021 · 30 employees$20.8Mraised▾
Series A · Berlin, Berlin · founded 2021 · 30 employees
Provider of modular platform for payment and financial infrastructure management. The platform offers workflows, integrations, and scalability for payment operations. It provides payment orchestration, token vault, network tokenization, and secure authentication. The platform also includes reconciliation, automation, global payouts, and unified analytics. It offers solutions for increasing checkout conversions, launching new markets, and reducing payment costs.
Fliar Intelligence Index™ 37how this company ranks against its industry peers
Funding
top 36%Talent
top 38%Tech
top 39%Moat
top 39%Growth
bottom 40%Global
bottom 37%Funding: Raised $20.8M across 3 rounds · 3 rounds over 4 yrs (0.8/yr) · Last round Series A (Jun 2025)
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Tech: 30 technologies across 5/8 capability areas · Cloud: Cloudflare, Vercel · Observability: Sentry
Audience (LinkedIn): 18k LinkedIn followers — 3.4% of this cohort's audience
Activity (LinkedIn): 1 partnerships · 1 awards (incl. Payrails) announced in 12 mo
Funding rounds
- Jun 2025Series A$32M
- Jun 2023Seed$14.4M
- Mar 2022Seed$6.4M
Founders & team
Investors
Andreessen Horowitz, HV Capital, General Catalyst, EQT
Tech stack
Apple Icloud MailCart FunctionalityCloudflareCloudflare Bot ManagementCore-JsGoogle Font Api
#4
Series C · Cologne, North Rhine Westphalia · founded 2018$25.9Mraised▾
Series C · Cologne, North Rhine Westphalia · founded 2018
Digital payment management for car dealerships. It automates, digitizes and simplifies the entire receivables process, from payment invitation to data transfer to your financial accounting system.
Fliar Intelligence Index™ 40how this company ranks against its industry peers
Funding
top 35%Growth
top 35%Tech
top 50%Talent
bottom 49%Global
bottom 38%Market
bottom 29%Funding: Raised $25.9M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) · Last round Series C (May 2025)
Growth: Fresh capital in last 24 mo
Tech: 23 technologies across 5/8 capability areas · Cloud: Cloudflare · Devops: Envoy
Funding rounds
- May 2025Series C$25.9M
Founders & team
Investors
BlackFin, PayPal Ventures, Seaya, Motive Partners
Tech stack
Alpine.JsCloudflareCloudflare Bot ManagementCore-JsEnvoyFancybox
#5
Series C · Munich, Bavaria · founded 2018 · 36 employees$27Mraised▾
Series C · Munich, Bavaria · founded 2018 · 36 employees
Provider of AI-powered anti-money laundering and fraud prevention technology solutions. The company offers a unified platform designed for financial institutions and regulated entities. It helps streamline programs, reduce false positives, and detect risks. The platform includes transaction monitoring, customer risk rating, and screening capabilities.
Fliar Intelligence Index™ 57how this company ranks against its industry peers
Funding
top 31%Growth
top 35%Talent
top 38%Moat
top 41%AI
top 45%Tech
top 49%Funding: Raised $27.0M across 3 rounds · 3 rounds over 7 yrs (0.4/yr) · Last round Series C (Apr 2025)
Growth: Fresh capital in last 24 mo
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Audience (LinkedIn): 22k LinkedIn followers — 4.2% of this cohort's audience
Activity (LinkedIn): 2 partnerships · 1 awards (incl. financial crime ecosystem specialists) announced in 12 mo
Funding rounds
- Apr 2025Series C$56M
- Jun 2024Series B—
- Jan 2023Series B$17M
- Jun 2021Series A$10M
Founders & team
Investors
Sands Capital, DN Capital, BlackFin, Picus Capital, Coalition Capital, BlackFin Tech
Tech stack
AosApple Icloud MailCloudflareCloudflare Bot ManagementCloudflare Browser InsightsCloudflare Rocket Loader
#6
Series A · Paderborn, North Rhine Westphalia · founded 2015 · 17 employees$33.6Mraised▾
Series A · Paderborn, North Rhine Westphalia · founded 2015 · 17 employees
Provider of in-person payment orchestration platform and related payment solutions. The platform offers payment gateway, payment processing, and cloud-based payment options. It provides solutions for card present payments, smart point-of-sale systems, and unattended payments. The platform is certified for security and compliance.
Fliar Intelligence Index™ 60how this company ranks against its industry peers
Fin. health
top 20%Innovation
top 33%Funding
top 38%Moat
top 39%Product
top 42%Growth
top 45%Fin. health: Revenue ~$64.4M · Revenue 1.9x total funding
Innovation: 8 product lines
Funding: Raised $33.6M across 3 rounds · 3 rounds over 10 yrs (0.3/yr) · Last round Venture Debt (Nov 2024)
Audience (LinkedIn): 10k LinkedIn followers
Activity (LinkedIn): 1 partnerships · 1 awards (incl. UniCredit) announced in 12 mo
Funding rounds
- Nov 2024Venture Debt$5.2M
- Oct 2016Series A$10.9M
- May 2016Series A$22.8M
Founders & team
Investors
Schroders Capital, Salica Investments, HPE Growth
Tech stack
Amazon SesAmazon Web ServicesCore-JsDatocmsDocusignHsts
#7
Seed · Hamburg, Hamburg · founded 2023$1.7Mraised▾
Seed · Hamburg, Hamburg · founded 2023
Provider of regulated stablecoin infrastructure for businesses needing digital payment solutions. The infrastructure allows companies to offer banking features to their users. It provides API-driven, scalable, and compliant wallets for holding balances and making transactions. The infrastructure supports cross-border payments, refinancing, and AI agent commerce. It enables real-time refinancing with regulated e-money tokens, improving liquidity and simplifying operations. The technology is designed to adapt to various regulatory frameworks.
Fliar Intelligence Index™ 55how this company ranks against its industry peers
Talent
top 25%Funding
bottom 45%Global
bottom 25%Talent: 6 named leaders on record
Funding: Raised $1.7M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) · Last round Seed (Nov 2025)
Global: Single-market focus (Germany)
Audience (LinkedIn): 521 LinkedIn followers
Funding rounds
- Nov 2025Seed$1.7M
Founders & team
#8
Seed · Berlin, Berlin · founded 2017 · 3 employees$1.3Mraised▾
Seed · Berlin, Berlin · founded 2017 · 3 employees
Provider of open banking API solutions to banks and financial institutions. It builds white-label products in order to serve the customers on the level of personalization. It enables banks to build products such as neo-banks, mobile banking channels, personal finance tools, and more. It also provides an AI-enabled algorithm of behavioural analytics, a financial services connector for connecting with third parties, and more.
Fliar Intelligence Index™ 29how this company ranks against its industry peers
Talent
top 38%Innovation
top 39%Product
top 43%Funding
top 47%News
top 48%Moat
top 48%Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Innovation: 5 product lines
Product: 5 distinct product lines · Company stage: Seed
Audience (LinkedIn): 5k LinkedIn followers
Activity (LinkedIn): 2 partnerships · 1 awards (incl. Corpay Inc.) announced in 12 mo
Funding rounds
- Oct 2025Seed$2.7M
- Oct 2023Seed—
- May 2023Seed—
- Jan 2021Seed$1.2M
Founders & team
Investors
astorya.vc, Angels Den Funding, Brand & Co, Techstars, Tyr Ventures, Alumni Ventures
Tech stack
PrismicNode.JsVue.JsNuxt.JsGoogle Tag ManagerUnpkg
#9
Seed · Berlin, Berlin · founded 2018$8Mraised▾
Seed · Berlin, Berlin · founded 2018
Digital wallet solutions provider for businesses. The platform provides plug-and-play solutions for customer engagement, payment integration, QR code payments, customized dashboards, and more.
Fliar Intelligence Index™ 53how this company ranks against its industry peers
Funding
top 43%Talent
top 45%Global
bottom 36%Funding: Raised $8.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) · Last round Seed (Apr 2025)
Talent: 2 named leaders on record
Global: Investors from 1 country beyond Germany
Funding rounds
- Apr 2025Seed$8M
Founders & team
Investors
Earlybird, b2venture
#10
Series B · Berlin, Berlin · founded 2019 · 26 employees$147.8Mraised▾
Series B · Berlin, Berlin · founded 2019 · 26 employees
Provider of a platform for managing company spending and automating finance. The platform offers accounts payable, corporate cards, and reimbursements. It features automated invoice processing, receipt capture, and expense categorization. The platform integrates with accounting, ERP, HR, and productivity tools.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
Growth
top 20%Moat
top 21%Tech
top 22%Talent
top 28%Innovation
top 31%Funding
top 33%Growth: Headcount 10 → 26 (+160%) across vintages
Moat: Editorial + unicorn rating 8/10 · IP moat: 21 patents · Soonicorn
Tech: 56 technologies across 6/8 capability areas · Cloud: Cloudflare, Google Cloud · Devops: Envoy
Audience (LinkedIn): 31k LinkedIn followers — 6.1% of this cohort's audience
Funding rounds
- Jun 2024Series B—
- Sep 2023Conventional Debt$53.4M
- Jan 2022Series B$85.3M
- Aug 2021Series A$29.3M
Founders & team
Investors
HSBC Innovation Banking, Valar Ventures, Cherry Ventures, Global Founders Capital, Tiger Global Management, A Star
Tech stack
AceAosApple Sign-InBabelBackbone.JsCdnjs
#11
Series A · Berlin, Berlin · founded 2021 · 22 employees$15.7Mraised▾
Series A · Berlin, Berlin · founded 2021 · 22 employees
Provider of a card and app for kids and teens. It offers a prepaid card for children to learn secure payment methods. The app allows parents to manage allowances and monitor spending. Features include savings tools, family organizers, and educational support. It also provides mobile phone plans and insurance options.
Fliar Intelligence Index™ 53how this company ranks against its industry peers
Tech
top 22%Talent
top 28%Growth
top 40%Funding
top 44%Product
bottom 48%Global
bottom 39%Tech: 61 technologies across 6/8 capability areas · Cloud: Amazon Ses, Amazon Web Services · Devops: Varnish
Talent: 4 named leaders on record · 4 C-suite/founder profiles curated
Growth: Web rank 500,000 → 5,000,000 YoY · App-install growth +46% YoY · Fresh capital in last 24 mo
Audience (LinkedIn): 5k LinkedIn followers
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Business Operations Manager
Activity (LinkedIn): 2 product launches announced in 12 mo
Funding rounds
- Jun 2024Series A$12M
- Dec 2022Seed$3.7M
- Apr 2022Angel—
Founders & team
Investors
La Famiglia, Peak, IBB Ventures, Prediction Capital, Angel Invest Ventures, Owl Ventures
Tech stack
Amazon SesAmazon Web ServicesAwinCdnjsChargebeeCloudflare
#12
Seed · Berlin, Berlin · founded 2021 · 19 employees$6.3Mraised▾
Seed · Berlin, Berlin · founded 2021 · 19 employees
Wallet-enabled prepaid reloadable card with investment solutions
LinkedIn Pulse recent public activity · Jul 2026
Audience: 5k LinkedIn followers
Activity: 1 partnerships (incl. b'steuern) announced in 12 mo
Funding rounds
- Oct 2024Seed$5.1M
- Apr 2023Seed—
- Sep 2021Angel$1.2M
Investors
PactVC, Seed X Liechtenstein, EXXETA, Material Ventures, Bronk Venture Capital
Tech stack
AdjustAmazon SesAmazon Web ServicesBootstrapFramer SitesGoogle Font Api
Funding & investor landscape
$780.9Mtotal disclosed funding
42companies funded
83disclosed rounds
0rounds last 90 days
Most active investors
Notable founders
Malte Rau
Co-Founder & CEO · pliant
Fabian Terner
Co-Founder & CPO/COO · pliant
Lasse Diener
Co-Founder & CEO · bezahl.de
Ulrich Schmidt
Co-Founder & Cpto · bezahl.de
Orkhan Abdullayev
Co-Founder & CEO · Payrails
Emre Talay
COO / Co-Founder · Payrails
Markus Wolf
CFO & Managing Director · Aufinity
Tobias Schweiger
Co-Founder & CEO · Hawk
Wolfgang Berner
Co-Founder & CPO · Hawk
Mike Camerling
CEO & MD · Aevi
Benjamin James
Co-Founder & Head of Technology · Atrya
Julia Beermann
Co-Founder & COO · Atrya
Prism market signals · Germany · country-scoped Prism corpus, 2,106,351 docs
Market landscape — 10 sub-themes by coverage
Share of Payments coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
RESEARCH SIGNALS · Germany
How research on Digital Payments is moving in Germany
A read on the academic research around Digital Payments — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 206 Germany-affiliated papers.
research sentiment over time
200820192025
enthusiastic · positive · guarded tone
Tone is overwhelmingly optimistic and softening — the enthusiastic (strongly-positive) share moved 13% → 10% across 2008–2025.
top research entities
- University of Göttingen10
- Frankfurt School of Finance & Management9
- University of Augsburg8
- Goethe University Frankfurt6
- Technische Universität Berlin6
leading researchers
Key Pousttchi · Freitag, Bettina · Fehring, Leonard · Uncovska, Marie · Olsacher, Alexandra · Meister, Sven · Wilm Quentin · Michael Klein
▲
Breakthroughs25 · 12%
▼ 13%→7% share
▼0.5× share momentum5 median citations20% since 2021mostly methods-led
Mobile payment and computer security breakthroughs are cooling — breakthrough field-share halved from 13% to 7%.
rising sub-themes (early→recent)
- Computer security8
- Mobile payment8
- Payment system6
- Database transaction5
- Cryptography3
Landmark The joint impact of bankruptcy costs, fire sales and cross-holdings on systemic risk in financial networks · 62 cites
◆
Advancements58 · 28%
▼ 31%→24% share
▼0.8× share momentum1 median citations33% since 2021mostly empirical
Mobile payment advancement research leads with 29 papers, though advancement share declined from 31% to 24%.
rising sub-themes (early→recent)
- Mobile payment29
- Service (business)11
- Payment system7
- Database transaction6
- Payment service provider5
Landmark Mobile Money, Smallholder Farmers, and Household Welfare in Kenya · 252 cites
▼
Concerns73 · 35%
38%→38% share
▲1.0× share momentum3 median citations42% since 2021mostly empirical
Financial inclusion concern papers nearly doubled (4→7), intensifying alongside payment service provider scrutiny (2→6).
rising sub-themes (early→recent)
- Payment service provider2→6
- Financial inclusion4→7
- Financial services2→4
Landmark Understanding perceived risks in mobile payment acceptance · 385 cites
RESEARCH HOTSPOTS · Germany
Where digital payments is researched across Germany
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Berlin12 · -0.01
Jülich/Bonn12 · +0.26
Munich5 · +0.24
PATENT SIGNAL · Germany
Who's filing digital payments patents in Germany
Germany digital payments patent filing is accelerating — 81 filings from 73 assignees (2016–2025), led by Giesecke Devrient Advance52, Giesecke Devrient, Braun Marianna; annual filings 3→4.
81 filings73 assigneespeak 21/yr2016–2025
filing momentum (YoY 2016–2025)
top patent filers
- Giesecke Devrient Advance5223
- Giesecke Devrient11
- Braun Marianna7
- Traxpay7
- ENE Cosmin-gabriel6
- Siemens5
- Giesecke & Devrient Mobile Secur5
- Laterpay5
Common questions
How many Payments companies are there in Germany?
Radar tracks 235 indexable Payments companies headquartered in Germany that meet our profile-completeness bar.
What is the total funding raised by Payments companies in Germany?
The Payments companies in Germany on this list have raised a combined $780.9M in disclosed equity funding across 42 funded companies.
Which is the highest-funded Payments company in Germany?
Moss is the highest-funded Payments company in Germany, with $147.8M in disclosed equity funding.
How many Payments companies in Germany are funded?
42 of the 235 Payments companies in Germany on this list have disclosed at least one equity funding round.
How many Payments unicorns are there in Germany?
None of the Payments companies in Germany on this list currently has a disclosed valuation of $1B or more.
Who are the top investors in Germany Payments companies?
The most active investors in Germany Payments companies on this list include HV Capital, Europa, HTGF, Motive Partners, neosfer.
Riya SenguptaFinancials
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.