bezahl.de

What bezahl.de does

bezahl.de, operated by Aufinity Group GmbH (formerly NX Technologies GmbH) and headquartered in Cologne, Germany, is a digital payment management platform purpose-built for the automotive retail sector. Founded in 2018, the company automates the full invoice-to-settlement lifecycle for car dealerships, dealer groups and OEMs across Germany and Europe, processing over €10 billion in annual payment volume across more than 2,000 dealer locations.

The core 'Autonomous Finance' platform centers on virtual IBAN (vIBAN) technology that assigns a unique payment reference per customer or transaction, enabling automatic matching of incoming payments without manual reconciliation. It exposes a REST JSON API with NX-Token authentication and webhook-based event notifications (order.created, order.confirmed, order.payment.received), and integrates with dealer management systems (DMS), e-commerce platforms and point-of-sale terminals. Payment processing is routed through a network of bank and PSP partners including UniCredit Bank AG, Taunus Sparkasse, SWAN (a French e-money institution for cross-border EU services), Concardis, FinTecSystems and Adyen. Modular add-ons extend the platform into POS checkout (smartkasse), anti-money laundering compliance (GwG), digital installment payments, automated dunning, white-label deployment, customer accounts (Kuko) and damage/claims settlement.

The company monetizes through a combination of transaction-based payment processing fees (SEPA, cards, PayPal, installments), annual SaaS subscriptions for the platform and add-on modules, and API/integration fees for DMS partners and enterprise customers. Pricing is quote-based and tailored to dealer size and transaction volume. The company employs 101-250 people, sells primarily through a sales-led GTM with both field sales for large dealer groups/OEMs and inside sales for mid-market dealers, and supplements direct sales with channel partnerships through dealer groups and DMS providers. Total venture funding raised exceeds €60 million across a 2021 seed (€5M+), March 2023 Series A (€11M), March 2024 Series B (€22M led by PayPal Ventures) and a May 2025 Series C (~$26M led by BlackFin Capital Partners).

Name

bezahl.de

Legal name

aufinity Group GmbH

Website

https://bezahl.de

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

bezahl.de is a digital payment management platform for automotive dealers and OEMs that automates invoice-to-settlement workflows via virtual IBAN technology and DMS integrations, processing over €10 billion annually across 2,000+ dealer locations in Europe.

Ownership category

akta.pro rank

Product category

Automotive Payment Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Marketplace & Platform Seller Payouts (FSAMAKAE), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• Automotive payment management
• Virtual IBAN payments
• Dealer payment platform
• Embedded finance automotive
• Autonomous finance software

Headquarters

HQ city

Köln

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction-based Payment Processing: The platform charges fees for processing digital payments including bank transfers (SEPA), credit cards, PayPal, and installment payments. Volume-based revenue model tied to transaction value processed.
2. Platform Subscription/SaaS: Annual platform subscription model for automotive dealers to access the Autonomous Finance suite including payment management, automated dunning, and reporting.
3. API Access and Integration Fees: Revenue from API usage and integration services for DMS partners and enterprise customers requiring custom implementations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

bezahl.de is a digital payment management platform built exclusively for the automotive retail sector. The core Autonomous Finance platform automates the full payment lifecycle, including digital payment invitations, real-time status tracking, virtual IBAN-based automatic payment matching, automated dunning, and reconciliation. The platform processes over €10 billion in annual payment volume across 2,000+ automotive partner locations and is offered with modular add-ons for POS terminals, AML compliance, installment payments, customer accounts, white-label deployment, and claims management.

Product overview

bezahl.de is a digital payment management platform for the automotive trade, built as a core platform with modular add-ons. The core Autonomous Finance Platform digitizes payment requests, provides real-time status transparency, and uses virtual IBANs for automatic payment matching, processing over €10 billion annually. Add-on modules include smartkasse for POS terminals, anti-money laundering compliance, digital installment payments, customer accounts (Kuko), white-label deployment, automated dunning, and damage/claims management. The scoring tool (bezahl.de Score) provides efficiency assessment. The platform also operates internationally under the parent brand Aufinity.

Differentiator

Problem solved

Functional benefit

Products and services

• bezahl.de Autonomous Finance Platform Core digital payment management platform for automotive dealerships that automates payment requests, reminders, dunning, and reconciliation across the full order-to-cash lifecycle using virtual IBAN technology; processes over €10 billion annually across 2,000+ automotive partner locations.
• bezahl.de smartkasse (Smart Checkout / POS Terminal)

Quantifiable outcome

• 20 minutes saved per transaction on average
• +3 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• UniCredit Bank AG (Hypovereinsbank)coreTechnology or IntegrationPrimary bank partner in Germany for payment processing. Virtual IBAN accounts for transaction matching are held at UniCredit. Handles transaction settlements for the 'Autozuordnung' (auto-assignment) product feature.
• SWANcoreTechnology or IntegrationEuropean bank partner (e-money institution regulated by ACPR in France) for handling cross-border payment services outside Germany within the EU.
• Adyen N.V.coreTechnology or IntegrationPayment processor for credit card, debit card (Girocard), and PayPal transactions. Provides the infrastructure for the Smartkasse (POS terminal) solution.
• Concardis GmbHsupportingTechnology or IntegrationPayment service provider for credit card and PayPal processing within the German market.
• FinTecSystems GmbHsupportingTechnology or IntegrationProvides online banking integration services for SEPA transfer execution with additional TAN authorization through customer's online banking.
• Dembach Goo Informatik GmbH & Co. KGsupportingTechnology or IntegrationHosting provider for bezahl.de services, handling infrastructure and operations.
• Taunus SparkassesupportingTechnology or IntegrationAdditional banking partner for 'Autozuordnung' payment transaction processing. Alternative to UniCredit for German market.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Stripe: Global payment orchestration and processing platform. Comparable to bezahl.de's API-first payment infrastructure layer, but horizontal across all verticals rather than specialized in automotive dealer workflows. Represents both a potential partner (white-label rails) and competitive threat.
• Adyen: Enterprise payment processor that bezahl.de integrates with for POS terminals and card processing. Comparable payment technology stack but serves broad merchant categories globally; competes at the orchestration layer while simultaneously being a key infrastructure partner.
• SumUp: European payment acceptance and business account provider for SMBs. Comparable POS and card-acceptance capabilities (overlap with bezahl.de smartkasse) and similar focus on digitizing merchant payment flows, though serving all merchant categories.
• Riverty (Bertelsmann): European BNPL and consumer credit provider spun out of Arvato/Bertelsmann. Comparable in installment payment mechanics and automotive-adjacent consumer financing use cases; represents a potential partner or competitor for the digital installment product.

Direct peers

• Mollie: European payments platform offering multi-method payment processing, subscriptions, and settlement tools to SMBs and enterprises. Closest comparable in DACH/Europe in terms of multi-payment-method orchestration and API-first design, though not automotive-specialized.
• Billie: Berlin-based B2B BNPL and invoice financing provider serving SMBs across Europe. Comparable business-model overlap with bezahl.de's installment payment module and B2B receivables automation, including PayPal Ventures as a shared investor.
• Ratepay: Berlin-based white-label BNPL and payment provider for European merchants, including digital installment plans. Comparable white-label embedded payment and BNPL capabilities relevant to bezahl.de's automotive dealer and OEM customers.
• Unzer: German payment platform offering omnichannel payment processing, fraud prevention, and merchant analytics. Comparable DACH focus, full-stack payment orchestration, and API-first architecture to automotive and other verticals.

Regional players

• Hypoport (Europace platform): German fintech operating the Europace platform for mortgage and consumer loan distribution. Comparable as a vertical-specialized transaction platform with deep German financial-services integrations; automotive financing adjacencies make it a relevant peer for embedded-finance strategy.
• Qonto: European SMB business banking and payment platform serving French, German, Spanish, and Italian markets. Comparable in DACH-focused SME digitization, banking-API integrations, and embedded finance approach; though Qonto is broader than automotive.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bezahl.de
• LinkedInlinkedin.com/company/bezahl-de-nx-technologies-gmbh
• Instagraminstagram.com/bezahl.de
• Xx.com/bezahlde

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds4 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about bezahl.de