Riverty

What Riverty does

Riverty is a European fintech and wholly owned subsidiary of Bertelsmann, the privately held German media conglomerate, that operates a multi-product financial platform anchored by Buy Now Pay Later (BNPL) and adjacent receivables and financial-infrastructure services. Headquartered in Baden-Baden, Germany, Riverty serves more than 1,800 merchants — including LEGO, ASOS, JYSK, Decathlon, Hornbach, eBay and Lidl — and approximately 25 million unique consumers across 10 European markets (Germany, Austria, Belgium, the Netherlands, Norway, Denmark, Sweden, Finland and Ireland, with Luxembourg becoming the seat of its new bank entity). At platform scale, Riverty processes roughly 235 million transactions annually (cumulative over 1 billion) and reaches over 2 million Riverty App downloads in DE/AT/BE/SE/NL. Its product set spans 14-/30-day invoice, Monthly Invoice, Flex (Pay-in-3/fixed installments), direct debit, Back in Flow debt settlement, B2B debt collection (domestic and international), debt purchase, driving-school factoring, accounting-as-a-service, invoicing-as-a-service, free-flow and ticket payments (parking, public transport, e.g., BVG), and the EV Charging Finance Suite (used by IONITY across 24 countries).\n\nThe platform is built cloud-native on PSD2-compliant payment services, with Microsoft Dynamics 365 Customer Service and Microsoft Copilot Studio powering an AI-driven omnichannel contact center (chat and voice bots in four languages across eight markets, 35% faster case handling), Fourthline biometric KYC replacing Video-Ident, Fraud.net fraud detection, EDR/ICD credit scoring, KPN-based age verification, and HashiCorp/IBM Terraform/Vault automation that cut infrastructure provisioning from days to hours and pull-request approvals by 80%. Omada cloud-native IGA was selected to support security and compliance at scale. Compliance footprint includes BaFin PSD2 authorization (Riverty GmbH), BaFin-licensed BFS finance/health finance entities, registration under Germany's RDG and Secondary Credit Market Act, and supervisory permissions from Finanstilsynet, Finanssivalvonta, Finansinspektionen, and AFM. In May 2026 Riverty secured an EU CRR banking licence from the ECB and CSSF, with Riverty Bank S.A. in Luxembourg scheduled to begin operations in July 2026 under Oliver Kuhaupt — the most consequential strategic shift in the company's history.\n\nRiverty earns revenue through a diversified mix: transaction fees on BNPL purchases where it purchases the merchant's receivable (Transfer of Claim) and bears credit risk, B2B fees from debt collection and debt purchase, subscription fees from the EV Charging Finance Suite, late-payment and extension fees (14/30/60-day) under regulated Dutch frameworks (15% extrajudicial collection costs with €40 minimum, plus statutory interest), managed-services revenue from accounting/invoicing-as-a-service, and — from July 2026 — credit, payment and liquidity-spread income through Riverty Bank S.A.'s own balance sheet across its 10-market footprint. With 4,000+ employees across 14 European office locations, an enterprise B2B sales motion targeting merchants and emerging sectors (EV charging, mobility), an embedded API-first integration layer (docs.riverty.com), and a direct-to-consumer mobile channel, Riverty's GTM spans OEM-embedded checkout, enterprise field sales, and self-serve app flows.

Name

Riverty

Legal name

Riverty Group GmbH

Website

https://riverty.com

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Riverty is a European fintech, wholly owned by Bertelsmann, that provides Buy Now Pay Later payments, debt collection, and financial infrastructure services to 1,800+ merchants and 25+ million consumers across 10 European markets, processing approximately 235 million transactions annually.

Ownership category

akta.pro rank

Product category

Consumer Payment Services (BNPL)

NAICS

Depository Credit Intermediation (5221), Sales Financing (52222), Activities Related to Credit Intermediation (5223), Commercial Banking (522110), Credit Bureaus (561450), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Services-Consumer Credit Reporting, Collection Agencies (7320), National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Bank Bill Pay (Consumer & Small Business) (FSAMAJAC)

akta.pro secondary industries

Biller Direct EBPP Platforms (FSAMAJAA), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC), Expense Management & Employee Reimbursements (FSAGAJAE)

Keywords

• Buy now pay later
• Consumer payment solutions
• Debt collection services
• Embedded payment services
• EV charging finance

Headquarters

HQ city

Baden-baden

HQ country

Germany

HQ region

Europe

Offices14 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. BNPL transaction fees: Riverty earns fees on each Buy Now Pay Later transaction processed through its invoice, installment, Pay-in-3, and direct debit methods across 5,000+ online shops. Riverty purchases the merchant's receivable (Transfer of Claim) and bears credit risk.
2. Debt collection and debt purchase: Recurring fees from debt collection services (national and international collection), debt purchase (buying non-performing receivables), and Back in Flow self-service debt settlement (formerly Gothia).
3. EV Charging Finance Suite subscription: Subscription-based billing and financial infrastructure services for EV Charging Point Operators (e.g., IONITY), including multi-currency billing, VAT compliance, and roaming billing across 24 countries.
4. Accounting-as-a-Service and Invoicing-as-a-Service: Professional outsourced services for merchants including accounting, invoicing, driving school factoring, ticket payments, and free-flow payments.
5. Late payment and extension fees: Consumer-facing fees for payment extensions (14, 30, or 60 days), statutory interest on overdue invoices, and extrajudicial collection costs (e.g., 15% with €40 minimum under Dutch law).
6. Banking interest and credit income: Following July 2026 EU banking license in Luxembourg, Riverty Bank S.A. will earn credit, payment, and liquidity spread income using its own balance sheet.

Pricing tiers

Go-to-market motion4 records

Core offering

Riverty is a European fintech that delivers Buy Now Pay Later (BNPL) and broader financial-services infrastructure. Its core products include 14/30-day invoice, Pay-in-3, fixed installments, direct debit and the Riverty consumer app, embedded at checkout across 5,000+ online shops. Around this, it offers B2B debt collection, debt purchase, accounting-as-a-service, invoicing-as-a-service, driving-school factoring, and an EV Charging Finance Suite, and is converting into a fully licensed EU bank (Riverty Bank S.A.) in Luxembourg from July 2026.

Product overview

Riverty is a single, multi-product fintech platform (rather than a single-product company) built around a Buy Now Pay Later (BNPL) core. The platform bundles consumer-facing payment methods — 14-/30-day Invoice, Monthly Invoice, Flex (Pay in 3 / Fixed Installments) and Direct Debit — with consumer finance offerings (the Riverty App for managing payments, plus Riverty Bank S.A. in Luxembourg for direct credit and payment services on its own balance sheet from July 2026). Around this core, Riverty layers adjacent products including Parking Payments, Public Transport Payments, Free-flow Payments and Ticket Payments on the payment side, and B2B services such as Debt Collection, Debt Purchase, International Collection, Driving School Factoring, Accounting as a Service, Invoicing as a Service and the EV Charging Finance Suite. Back-office capabilities are organised into three business units — ID & Fraud Management (with biometric KYC via Fourthline and IGA via Omada), Credit Risk Management, and Receivables Management (which powers the Riverty Back in Flow consumer debt portal). The offering is unified under the 'reassuringly boring' consumer brand and the Riverty developer portal at docs.riverty.com.

Differentiator

Problem solved

Functional benefit

Brands

• Buy Now, Pay Later (BNPL): Riverty's consumer-facing Buy Now Pay Later payment offering including monthly invoice, Pay in 3, fixed installments, direct debit, and pause/reschedule options.
• Riverty Back in Flow
• Riverty Flex
• EV Charging Finance Suite
• Riverty Financial Academy
• Riverty App

Products and services

• Buy Now Pay Later (BNPL) Riverty's flagship consumer credit offering that lets shoppers split, pause or reschedule payments at checkout across 5,000+ online shops such as ASOS, LEGO, JYSK, eBay and Decathlon; supported by the Riverty App.
• 14- and 30-day Invoice Pay-after-delivery invoice allowing consumers to receive goods first and pay within 14 or 30 days, offered to merchants as a Riverty payment method at checkout.
• Monthly Invoice (Consolidated Invoice) Aggregates multiple purchases into a single monthly invoice for consumers who shop frequently with Riverty-accepting merchants.
• Flex (Pay in 3 / Fixed Installments) Flexible installment options including Pay-in-3 and longer fixed installment plans that let consumers decide how much and when to pay; sold to merchants as a Riverty checkout payment method.
• Riverty Direct Debit SEPA-based direct-debit payment method offered alongside Riverty Invoice for automated collection of due amounts from consumer bank accounts.
• Free-flow Payments Barrier-free payment solution for parking and mobility scenarios that lets end-users pay without stopping at a barrier or ticket machine; sold to mobility operators.
• Ticket Payments Payment-processing solution for ticketed environments such as parking and public transport, including ANPR-based parking; sold to operators.
• Parking Payments Consumer-facing parking-payment service that consolidates parking expenses into a single Riverty monthly invoice across partner parking apps.
• Public Transport Payments Allows commuters to pay for public-transport tickets via Riverty, with payment handling integrated into transit apps such as BVG.
• Riverty Back in Flow Digital-first debt-collection and self-service portal (formerly Gothia Inkasso) that helps consumers settle outstanding balances via fair, transparent installment plans and a dedicated Back in Flow app.
• Debt Collection Products B2B receivables-management suite covering domestic debt collection, international collection and debt purchase for merchants.
• Driving School Factoring Factoring solution that provides driving schools with upfront liquidity against their tuition receivables.
• Accounting as a Service Outsourced accounting service offered to merchants as part of Riverty's business finance stack.
• Invoicing as a Service Outsourced invoicing service for merchants, handling billing and invoice distribution.
• EV Charging Finance Suite Financial-infrastructure suite for EV charging operators that automates billing, provides real-time payment visibility and manages cross-border VAT compliance for multi-currency transactions across 27 EU member states.
• Riverty App Consumer mobile app (over 2 million downloads; available in DE, AT, BE, SE, NL) that lets users manage BNPL payments, pause, schedule or adjust payments, manage returns and access dispute management.
• Riverty Bank S.A. (Luxembourg) EU CRR-licensed bank entity in Luxembourg, granted approval by the ECB and CSSF; from July 2026 will offer credit, payment and liquidity services directly to European merchants using Riverty's own balance sheet.

Quantifiable outcome

• 35% reduction in average case processing time
• +7 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability9 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core, flagship and minor.

• Microsoft (Dynamics 365 Customer Service, Copilot Studio, Bookings)coreTechnology or IntegrationMicrosoft technology partnership underpinning Riverty's AI-powered omnichannel contact center (Dynamics 365 Customer Service, Copilot Studio) and online meeting scheduling (Microsoft Bookings). Implemented with Cluster Reply in 100 days, supports four languages across eight markets, and reduced average case processing time by 35%.
• Cluster ReplycoreImplementation/ SI/ Consulting PartnerCluster Reply is a consulting/implementation partner that built Riverty's AI-powered omnichannel contact center in 100 days on Microsoft Dynamics 365 and Copilot Studio. The engagement supported four languages across eight markets with chat and voice bot integration.
• OmadacoreTechnology or IntegrationOmada A/S's cloud-native Identity Governance and Administration (IGA) platform was selected by Riverty Group to support security and regulatory compliance across European expansion. Collaboration includes a 12-week Omada Cloud Accelerator implementation.
• FourthlinecoreTechnology or IntegrationFourthline provides biometric-based customer digital identity verification (KYC) to Riverty for onboarding customers in Germany and the Netherlands, replacing traditional Video-Ident methods in Germany's regulated environment. Represents a shift toward alternative KYC solutions for fintechs.
• IBM / HashiCorpcoreTechnology or IntegrationRiverty implemented HashiCorp automation solutions (IBM Terraform and IBM Vault on the HashiCorp Cloud Platform) to eliminate operational bottlenecks. Reduced infrastructure provisioning time from days to hours, achieved 50-75% faster ticket resolution, and cut pull request approval time by 80%.
• IONITYflagshipStrategic or Co-development PartnerIONITY is a strategic partner using Riverty's financial infrastructure services for its High-Power Charging network spanning 24 countries. Over three years, the partnership achieved 16x growth in transaction volume, 99% automation of financial processes, 15x growth in charger deployment (328 to 5,000+ units), and up to 250% revenue increases in pilot markets.
• Economic Data Resources B.V. (EDR)coreTechnology or IntegrationEDR provides credit scoring and creditworthiness assessments for Riverty's payment method eligibility decisions in the Netherlands. EDR uses customer name, address, and date of birth to provide risk profile scores (Score) supporting BNPL decisions.
• Fraud.net Inc.coreTechnology or IntegrationFraud.net Inc. (330 7th Avenue, New York City) acts as a processor for Riverty's fraud prevention and detection. Data is stored in the EU with access from the US under standard contractual clauses approved by the EU Commission.
• Koninklijke KPN N.V.coreTechnology or IntegrationKPN is a telecom service provider used by Riverty for age verification in the Netherlands. KPN forwards customer verification requests (name, address, mobile phone, date of birth) to mobile network operators and returns match/no-match results to enable BNPL services for adults only.
• TrustpilotminorGTM or Marketing PartnerRiverty maintains a public Trustpilot profile at trustpilot.com/review/riverty.com, which is integrated into the website's marketing and brand reputation efforts as part of the 'reassuringly boring' positioning.

Scale indicators13 records

Recent moves9 records

Expansion highlights7 records

Broad incumbents

• Adyen: Adyen is a global payments platform offering unified checkout, processing and acquiring services to enterprise merchants. It is a broad incumbent competitor and partner ecosystem for the same merchants Riverty serves, with overlapping BNPL payment method support.
• PayPal: PayPal offers Pay-in-3, Pay-in-4 ('Pay Later') and broader checkout payment services globally. As a broader payments incumbent with overlapping BNPL and merchant checkout capabilities, it competes with Riverty in merchant integrations but as part of a much wider payments portfolio.

Direct peers

• Scalapay: Scalapay is a European BNPL provider offering Pay-in-3 across Italy, France, Spain, Portugal, Belgium, Netherlands, Finland, Germany and Austria. It is a direct competitor to Riverty in BNPL checkout integrations across overlapping European markets.
• Billie: Billie is a Berlin-based B2B BNPL and embedded finance provider offering 'Pay by Invoice' and instant payment solutions for merchants. It overlaps with Riverty's B2B receivables/BNPL offerings and serves similar European merchants.
• Afterpay (Block): Afterpay, owned by Block, is a global BNPL provider offering Pay-in-4 and longer-term installment loans at merchant checkout. It is a direct competitor in BNPL checkout functionality and merchant integrations, with overlapping customer segments and a similar take-rate business model.
• Klarna: Klarna is the leading European BNPL provider offering Pay-in-3, Pay-in-4, installment loans and embedded checkout across thousands of merchants. It directly competes with Riverty in the Netherlands, Germany, Sweden and across the EU, and is named alongside Riverty as a top BNPL brand in the Nibud Dutch consumer study.
• Ratepay: Ratepay is a Berlin-based BNPL provider offering invoice, installment and direct debit payment methods at European merchant checkouts. It is one of Riverty's closest direct competitors in German-speaking and broader European BNPL with similar product structure.
• Alma: Alma is a France-headquartered BNPL provider offering Pay-in-3, Pay-in-4 and longer installment plans at European merchant checkouts. It competes with Riverty in BNPL, particularly in France, Belgium, Germany and other continental European markets.
• Affirm: Affirm is a US-listed BNPL and consumer credit provider offering Pay-in-4, monthly installments and longer-term loans at merchant checkout. While primarily US-focused, it overlaps with Riverty in product offering (BNPL, installments, direct debit) and merchant-focused embedded finance model.

Regional players

• Cofidis: Cofidis is a Crédit Mutuel group consumer credit and BNPL provider with strong presence in France, Belgium, Portugal, Spain, Italy and Eastern Europe. It is a regional European BNPL/consumer credit peer to Riverty with overlapping invoice and installment products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@riverty
• Facebookfacebook.com/riverty.de
• LinkedInlinkedin.com/company/riverty
• Instagraminstagram.com/riverty.official
• TikToktiktok.com/@riverty.official

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Subsidiaries18 records

Funding overview

Funding rounds

Investors

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 Riverty