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[Credi2]
Credi2 GmbH, founded in 2015 in Vienna, operates a white-label B2B embedded lending platform that enables banks, card issuers, and merchants to offer consumer credit products including BNPL, installment loans, and revolving credit, serving approximately 1,300 partner merchants with Volkswagen Bank as a 28% shareholder.
- Company typePrivate
- Founded2015
- HeadquartersVienna, Austria
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What [Credi2] does
Credi2 GmbH is a Vienna-based B2B fintech founded in 2015 that operates a white-label embedded lending platform for banks, card issuers, and merchants. The platform powers five distinct consumer credit products — pay-per-invoice (BNPL), split-pay, installment loans, revolving credit, and subscription financing — and serves approximately 1,300 partner merchants. Named customers and partners include Volkswagen Bank, Deutsche Bank, Raiffeisen Bank International, Visa, Creditplus Bank, Landessparkasse, and Apple resellers such as Cyberport and McSHARK; Volkswagen Bank is also a 28% strategic shareholder.
The technology stack delivers credit decisioning, underwriting, and operational infrastructure that financial institutions can deploy under their own brand, integrating machine learning for credit scoring, cashflow analysis, and fraud detection. Credi2 holds ISO 27001, ISO 27701, and ISO 22301 (business continuity) certifications — the latter described as a first in the BNPL sector — which position it as a regulated-vendor-compliant platform for bank and issuer counterparties. Juniper Research ranked it the #1 white-label BNPL provider in 2022.
The business model is B2B SaaS/white-label licensing plus transaction-based fees. Volkswagen Bank pays approximately 0.5% commission on instant loans, illustrating the unit-economics structure. The company has raised roughly $7M in disclosed equity funding (2016–2018 rounds led by Speedinvest, Reimann Investors, and Hevella Capital), plus undisclosed strategic capital from Volkswagen, and operates with approximately 30 staff in 2025 (down from ~64 in 2022), led by co-founders Daniel Strieder (CEO), Michael Handler (CTO), and Jörg Skornschek (COO).
[Credi2] firmographics
Firmographics- Name
- [Credi2]
- Legal name
- Credi2 GmbH
- Website
- https://credi2.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Credi2 GmbH, founded in 2015 in Vienna, operates a white-label B2B embedded lending platform that enables banks, card issuers, and merchants to offer consumer credit products including BNPL, installment loans, and revolving credit, serving approximately 1,300 partner merchants with Volkswagen Bank as a 28% shareholder.
- Ownership category
- akta.pro rank
[Credi2] industry classification
Industry- Product category
- Embedded Lending Platform (BNPL & Installment Financing Software)
- NAICS
- Nondepository Credit Intermediation (5222), Sales Financing (522220), Credit Card Issuing (522210)
- SIC
- Personal Credit Institutions (6141), Finance Services (6199)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industries
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where [Credi2] is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- Austria
- HQ region
- Europe
Offices1 record
Markets served
[Credi2] business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Others
Revenue model
- B2B SaaS Platform Licensing: White-label embedded lending platform provided to banks and financial institutions on a licensing basis. Banks deploy BNPL/instalment solutions under their own brand using credi2's modular platform components including front-ends, core banking modules, and automated operations.
- Transaction Processing: Revenue generated from transaction processing through BNPL and instalment products. Merchants and consumers use split pay, pay per invoice, installment loans, and subscription models, with financial institutions handling the credit/financing component.
- Commission from Partner Loans: Retailers receive commission when financing is initiated (e.g., 0.5% commission for VW instant loan). Credi2 enables these transactions and takes a share.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Installment loans: €500 to €12,000 |
| Transaction based/ take rate | Monthly | Split pay: up to €5,000 |
| Transaction based/ take rate | Monthly | Installment loans: up to €50,000 |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
[Credi2] product offering
Product offeringCore offering
Credi2 builds and operates a white-label Embedded Lending-as-a-Service platform that enables banks, card issuers, and large merchants to launch end-to-end Buy Now Pay Later (BNPL) and installment financing products under their own brand. The modular SaaS combines five financing products (Pay per Invoice, Split Pay, Installment Loan, Revolving Credit, Subscription) with core banking modules, consumer/merchant front-ends, and automated operations such as KYC, risk scoring, collections, and CRM.
Product overview
Credi2 operates as an Embedded Lending-as-a-Service platform provider offering five flexible financing products: Pay per Invoice, Split Pay, Installment Loan, Revolving Credit, and Subscription. The white-label platform consists of modular components including Core Banking Modules (account management, risk scoring, payment collection), Portals & APIs (consumer/merchant front-ends), and Automated Operations (KYC, CRM). Products serve banks, card issuers, and merchants across eCommerce and POS channels. Sub-brands include cashpresso (revolving credit with RBI), FINANCE A BIKE (bicycle financing with VW Bank), and the Apple Subscription Program. The platform enables rapid deployment of BNPL solutions within weeks through direct API connections, hosted payment pages, or plugin integrations.
Differentiator
Problem solved
Functional benefit
Brands
- cashpresso: A flexible credit line and revolving credit product enabling payment in installments. Originally launched as a B2C product, later taken over by Raiffeisen Bank International (RBI) for the Austrian and German markets.
- FINANCE A BIKE
- Instant Loan
Products and services
- Embedded Lending-as-a-Service Platform White-label embedded financing platform enabling banks and card issuers to deploy branded BNPL and installment solutions across eCommerce and POS without building in-house lending technology. Includes consumer/merchant/issuer front-ends, core banking modules, and automated operations. Sold B2B to financial institutions.
- Pay per Invoice eCommerce financing product where consumers pay the purchase balance by invoice, typically 14 days interest-free. Designed to drive eCommerce conversion with a charge-card-like experience but lower complexity. Sold to bank partners for white-label deployment.
- Split Pay Fast installment payment allowing consumers to pay in 3-12 monthly installments; up to €5,000 depending on credit score. Light KYC process targets eCommerce conversion uplift. Sold to bank partners for white-label deployment.
- Installment Loan Full credit-based financing for high-value products or large baskets up to €50,000, with full KYC process, flexible duration, and terms up to 84 months. Sold to bank partners for white-label deployment (e.g., Volkswagen Bank instant loan up to €12,000).
- Revolving Credit Flexible credit-based product offering a fixed credit line with maximum flexibility in installment rates, credit duration, and repayment options. Sold to bank partners for white-label deployment.
- Subscription (Rent-to-Own) Subscription financing (rent-instead-of-buy) that accounts for residual value to reduce monthly rental fees. Targets sustainability and circular-economy demand, lifting basket size, repurchase rates, and customer lifetime value. Sold to bank and merchant partners.
- Card-Led Installment Solutions (Pay in 3/6/9, Pay Flex, BNPL Card) Scheme-agnostic split-pay solution that lets debit and credit card issuers add pay-later features to existing card products powered by Visa credentials. Supports pre-purchase, real-time at-purchase, and post-purchase installment variants. Sold B2B to card issuers.
- FINANCE A BIKE Digital bicycle financing solution in partnership with Volkswagen Bank, distributed through 1,000+ German dealers. Customers can finance up to €12,000 with a 6-minute fully digital application. Operated as a Credi2 sub-brand.
- Volkswagen Bank Instant Loan Instant loan product deployed at Volkswagen Group dealerships in Germany under the Credi2 platform. Net loan amounts from €500 to €12,000, terms 6-84 months, with merchant commission of 0.5%. Sold via VW Bank's dealer network.
- Apple Subscription Program Official Apple subscription program for merchants, powered by Credi2, enabling customers to rent Apple devices (iPhones, iPads, Macs) with monthly payments, device return, and upgrade options. Partners include Cyberport, McSHARK, and Gravis in Germany and Austria.
- cashpresso (B2C revolving credit) Flexible installment payment app with revolving credit line (originally up to €1,500 in 10 minutes, no interest for first 60 days at partner shops). Now operated by Raiffeisen Bank International across CEE; continues as a Credi2-powered sub-brand.
- Core Banking Modules (Subledger, Risk & Scoring, Payments/Collection/Reconciliation, Reporting) Back-office platform modules covering account/subledger management, risk and scoring operation, payment/collection & reconciliation, and reporting. Sold to bank partners as the engine behind their white-label BNPL/instalment offerings.
- Portals & APIs (Consumer, Merchant, Issuer Front-Ends) White-label front-ends for consumers, merchants, and issuers, with credit and factoring financing support, optimized for eCommerce, POS, and mobile, and EU-compliant design. Sold B2B to bank and merchant partners.
- Automated Operations (KYC, CRM, IT/Data, 3rd-party integrations) Automated KYC and onboarding, IT and data management, CRM and in-life communication, and third-party service integration, designed to optimize total cost of ownership for bank and merchant partners.
- Merchant Integrations (API, Hosted Payment Page, Plugins) Integration layer allowing merchants to embed Credi2-powered BNPL at checkout via direct API, hosted payment pages, or overlay/plugin-based integrations for major e-commerce platforms. Sold B2B to merchants and PSPs.
Companies that use [Credi2]
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles3 records
[Credi2] technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature7 records
[Credi2] partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- VisacoreStrategic cooperation under Visa Fintech Partner Connect program to develop joint BNPL solution for card-issuing financial institutions. Credi2 and Visa developed issuer-specific pay later product powered by Visa credentials for Central European markets. Enables flexible installment payments via Visa credentials for pre-, at-, and post-purchase scenarios.
- Deutsche BankcoreDeveloping white-label BNPL solution for Deutsche Bank covering invoice and installment purchase. White label solution for online retailers and e-commerce marketplaces flexibly integrated into payment process. Deutsche Bank pays merchants immediately upon shipment. Pilot projects launched in Germany end of 2022.
- McSHARKminorMcSHARK (Apple premium reseller) launched subscription model for Apple products. Customers can rent iPhones, iPads, Macs with monthly payments. iPhone/Apple Watch: 2-year term; iPad/Mac: 3-year term. Early upgrade available halfway through term.
- Raiffeisen Bank InternationalcoreStrategic partnership launched cashpresso - a fast, easy BNPL payment option suitable for retail and private customers. RBI took over cashpresso in April 2021. cashpresso provides revolving credit line (up to €1,500 within 10 minutes) with special conditions in partner shops (no interest first 60 days). Enables RBI to strengthen digital product offering and enter new growth market in CEE.
- Bike Mobility Services GmbHminorWholly-owned subsidiary of PON Bike. Partnership enables FINANCE A BIKE program offering bicycle financing through 1,000+ German dealers. Customers can finance bikes up to €10,000-12,000 with fully digital application in under 10 minutes.
- CyberportcoreCyberport offers official Apple subscription program powered by credi2. Customers can subscribe Apple devices online and in-store. Low monthly rent, no deposit, no hidden costs. Cyberport benefits from reaching more customers with subscription model for Apple products.
- ApplecoreOfficial Apple subscription program partner enabling merchants in Germany and Austria to offer Apple device rentals. credi2 powers the subscription platform for Apple products across multiple retail partners including Cyberport, Gravis, and McSHARK.
Scale indicators11 records
Recent moves6 records
Expansion highlights5 records
[Credi2] competitors and assessment
Company assessmentDirect peers
- Jifiti: Israel-based white-label BNPL and embedded lending platform for banks and lenders. Directly named by Juniper Research (2022) alongside Credi2 as a leading white-label BNPL provider for lenders, competing on comparable bank-channel integrations and product breadth.
- Divido: UK-headquartered white-label BNPL platform serving banks and retailers with instalment financing at point-of-sale. Directly named in Juniper's 2022 ranking alongside Credi2, targeting the same financial-institution white-label segment.
- Splitit: Card-led instalment payments provider enabling shoppers to split purchases on existing credit cards. Cited by Juniper Research (2022) as a white-label BNPL peer; Credi2's card-led split pay solution (Visa) competes head-on.
- Unzer: German full-stack payment platform providing BNPL (in 2022: 'Unzer paylater') along with acquiring, processing and merchant finance. Named alongside Credi2 in Juniper's 2022 ranking; overlaps in DACH merchant BNPL distribution.
Broad incumbents
- Klarna: Global BNPL incumbent with retailer-facing and direct-to-consumer products plus a growing platform/embedded offering. A much larger broad incumbent competing with Credi2 for bank and merchant BNPL mandates, particularly in Europe.
- Affirm: US-headquartered BNPL incumbent expanding into embedded and card-led offerings. Broader incumbent; competes with Credi2 in the white-label and embedded lending category, especially for global merchants and fintech-issuer partners.
- Riverty: Bertelsmann-owned financial services platform (formerly Arvato Financial Solutions) offering BNPL, instalment and credit products across Europe. Broad incumbent in the same European embedded/BNPL market Credi2 addresses.
- Ratepay: Berlin-based BNPL provider owned by Nexi, focused on white-label solutions for merchants and banks in DACH. Direct competitor in Credi2's home market with similar bank-channel positioning.
Emerging players
- Alma: France-based BNPL and instalment payments provider expanding across Europe with pay-later and merchant APIs. Emerging regional player with meaningful overlap on Credi2's core product set, though focused on French-speaking markets.
- Scalapay: Italy-founded BNPL platform operating across Southern Europe offering pay-in-3 / pay-in-4 via merchants and banks. Emerging European competitor with overlapping instalment financing features.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
[Credi2] social profiles
Digital presence[Credi2] compliance and trust
Trust signalCompliance4 records
[Credi2] financial estimates
Financial estimateRevenue estimate
Valuation estimate
[Credi2] leadership team
Management profileNumber of profiles
Profiles9 records
[Credi2] funding detail
Funding detailFunding overview
Funding rounds5 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
[Credi2] M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about [Credi2]
What does [Credi2] do?
Credi2 builds and operates a white-label Embedded Lending-as-a-Service platform that enables banks, card issuers, and large merchants to launch end-to-end Buy Now Pay Later (BNPL) and installment financing products under their own brand. The modular SaaS combines five financing products (Pay per Invoice, Split Pay, Installment Loan, Revolving Credit, Subscription) with core banking modules, consumer/merchant front-ends, and automated operations such as KYC, risk scoring, collections, and CRM.
Is [Credi2] a public or private company?
[Credi2] is a private company. It is classified as venture growth investor backed and is currently operating.
When was [Credi2] founded?
[Credi2] was founded in 2015. It employs 11 to 50 people.
Where is [Credi2] based?
[Credi2] is headquartered in Vienna, Austria, in the Europe region.
How does [Credi2] make money?
Three revenue lines are on record. B2B SaaS Platform Licensing is the primary driver. The others are transaction Processing and commission from Partner Loans.
Who are [Credi2]'s main competitors?
Direct peers on record are Jifiti, Divido, Splitit and Unzer. Broad incumbents are Klarna, Affirm, Riverty and Ratepay. Emerging players are Alma and Scalapay.
Does [Credi2] have an API?
Yes. Credi2's platform supports direct API connections, hosted payment pages, and overlay-based integrations for merchant eCommerce and POS systems. The platform provides consumer, merchant, and issuer front-ends with credit- and factoring financing capabilities. Integration options include plugin solutions and white-label implementations. Specific API endpoints, authentication methods, rate limits, and versioning are not publicly documented.
What industry is [Credi2] in?
[Credi2]'s product category is Embedded Lending Platform (BNPL & Installment Financing Software). Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 5222 and its SIC code is 6141.