Best Payments Companies in Munich, Germany
The 31 best Payments companies in Munich, Germany in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: LaterPay.
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.
Ranked: Best Payments companies in Munich
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | bankhaus august lenz Bankhaus August Lenz provides electronic payments, service tools and cash transactions to retailers, banks… | — | — | 88 | 1982 | Jochen Werne CEO & Director | — | — | — |
| 2 | Clig AI-driven employee expense management solutions | — | — | — | 2018 | Daniel Jensen Co-Founder | — | — | — |
| 3 | guud Sustainable benefit card for employees | — | — | 7 | 2021 | Susanna Mur Co-Founder | ContaoPHPApache HTTP Server+17 | — | — |
| 4 | InterCard Payment gateway for merchants | — | — | 162 | 1992 | Paul Galant CEO | — | — | — |
| 5 | iPAYst QR-Code based multi channel mobile payment app | — | — | — | 2012 | Robert Schmiedler Founder & CTO | — | — | — |
| 6 | Kassandro App-based POS payment and cash register platform for businesses | — | — | — | — | Gerhard Hladil Managing Director | WordPressSentryMySQL+17 | — | — |
| 7 | Novalnet PCI level 1 payment processing solutions provider | — | — | 88 | 2007 | — | Cart FunctionalityWordPressZoho+28 | — | — |
| 8 | Obolus Manufacturer of inorganic chemicals and phosphate-based products | — | — | 72 | 2017 | Dominic Paulik Co-Founder | — | — | — |
Top 12 Payments companies in Munich
#1
Series C · Munich, Bavaria · founded 2018 · 36 employees$27Mraised▾
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.
- Apr 2025Series C$56M
- Jun 2024Series B—
- Jan 2023Series B$17M
- Jun 2021Series A$10M
#2
Series A · Munich, Bavaria · founded 2021$27.7Mraised▾
Provider of financial infrastructure for payments and banking in digital economy. The company offers tools to move funds via payment rails or stablecoins. It provides named accounts and wallets for storing funds. The company facilitates currency conversion between local currencies and stablecoins.
- Aug 2023Series A$20M
- Jul 2023Seed$7.7M
#3
Deadpooled · Munich, Bavaria · founded 2010 · 16 employees$37.2Mraised▾
Provider of tools enabling pay-as-you-go monetization for digital content and services. The company offers solutions for self-service applications, AI agents, and enterprise developers. It facilitates charging users per prompt, feature, file, event, or access period. The platform supports content creators, developers, publishers, educators, and SaaS businesses.
- Jun 2020Angel$10M
- Apr 2019Series B$6.7M
- Aug 2017Angel$5.9M
- 2017Series B$8.5M
#4
Acquired · Munich, Bavaria · founded 2012 · 60 employees$19Mraised▾
Payworks offers white label payment gateway and mPoS solutions to PSPs and merchants. Its Pulse gateway can integrate with PoS readers and offer readymade mPoS solutions. It also offers over-the-top white label mPoS solutions and customer engagement services.
- Feb 2018Series B$14.5M
- Sep 2016Series A$4.5M
- Sep 2013Angel—
- 2012Seed—
#5
Acqui-Hired · Munich, Bavaria · founded 2012 · 51 employees$18Mraised▾
Paymill provides a payment processing solution for businesses. It enables online businesses and services to accept payments on their websites via payment gateway, direct debit mobile payment, etc. Also features a mobile SDK for Android and IOS devices to accept in-app payments. It also processes multi-currency payments for international transactions.
- Feb 2013Series A$5M
- Jan 2013Series A$13M
- Aug 2012Seed—
#6
Acqui-Hired · Munich, Bavaria · founded 2000 · 56 employees$20Mraised▾
Provider of fresh fruit-based drinks and desserts. It offers a variety of beverages, including fresh juices, iced coffees, and fruit-based specials. The company also provides a selection of desserts and healthy snacks, all made with high-quality ingredients and original recipes. A loyalty program and gift card options are available. The business model focuses on providing fresh, high-quality products with a focus on customer experience.
- 2001Seed—
#7
Series A · Munich, Bavaria · founded 2016 · 21 employees$7.8Mraised▾
Xpay provides white-label solutions for payment cards. It offers cards such as prepaid cards, credit cards, loyalty cards, and gift cards.
- Jan 2020Series A$7.8M
#8
Series A · Munich, Bavaria · founded 2014 · 46 employees$4.9Mraised▾
Employee benefits management tool for businesses. Products include Spendit and Lunchit. Spendit is a pre-paid tax saving card that allows businesses to provide perks to employees and allows employees to save taxes and avail discounts. Lunchit is a tool that allows employees to reclaim food expenses. Employees scan the food receipt and once verified are reimbursed. It also offers Mobility for budgeting and expense management.
- Apr 2018Series A$4.9M
#9
Seed · Munich, Bavaria · founded 2018—raised▾
Platform providing mobility benefits for employees. It helps organizations streamline mobility benefits by offering mobility budgets, job tickets, card solutions, public transport, and sharing options. It provides solutions for employers to manage travel needs of the employees. It also offers a marketplace that features discounts and promotions with partnered companies.
- Apr 2024Seed—
#10
Funding Raised · Munich, Bavaria · founded 1852 · 1199 employees—raised▾
Provider of security technology for digital infrastructure, financial platforms, and currency management. It offers solutions for securing mobile connections, identities, and digital infrastructures for governments and enterprises. In the financial sector, it provides technology for card issuance, digital payments, and authentication. The company's offerings aim to enhance security and efficiency across these sectors.
#11
Acqui-Hired · Munich, Bavaria · founded 2010 · 15 employees—raised▾
Onpex is a white-label cloud payment solution provider. Onpex offers a white-label, unified payment Platform as a Service (PaaS) providing access to hundreds of payment products worldwide. Onpex operates a Global Acquiring Network for accepting card and alternative payments. The Onpex Acquiring Network simplifies the complexity of international electronic payments offering access to merchant accounts and acceptance agreements globally. Onpex has connectivity to hundreds of acquirers, alternative payment methods and payment related solutions internationally and operates entities in Europe, North America and Asia.
- Feb 2019Series A—
#12
Public · Munich, Bavaria · founded 2010 · 40 employees—raised▾
Developer of solutions for banking, insurance, and e-commerce payment processing. The company provides options for photo payment, payment initiation, and request-to-pay. It offers mobile document capture and in-app payment solutions. The company's products extract data and connect payment options.
- Dec 2014Series A—
- Mar 2014Seed—
Funding & investor landscape
Notable founders
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
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.
- University of Göttingen10
- Frankfurt School of Finance & Management9
- University of Augsburg8
- Goethe University Frankfurt6
- Technische Universität Berlin6
- Computer security8
- Mobile payment8
- Payment system6
- Database transaction5
- Cryptography3
- Mobile payment29
- Service (business)11
- Payment system7
- Database transaction6
- Payment service provider5
- Payment service provider2→6
- Financial inclusion4→7
- Financial services2→4
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.
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.
- Giesecke Devrient Advance5223
- Giesecke Devrient11
- Braun Marianna7
- Traxpay7
- ENE Cosmin-gabriel6
- Siemens5
- Giesecke & Devrient Mobile Secur5
- Laterpay5
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.