Unzer

What Unzer does

Unzer Group GmbH is a German-headquartered payment solutions provider operating across the DACH region and the Netherlands, with e-commerce payment infrastructure claimed across 160 countries and all major currencies. The company serves more than 90,000 merchants with a modular platform that combines online, mobile, and point-of-sale payment acceptance through REST API, SDKs, pre-configured payment pages, and pre-built plugins for 14+ e-commerce platforms including Shopify, Shopware, Magento, OXID, WooCommerce, JTL, PrestaShop, plentyONE, Gambio, modified, OpenCart, osCommerce, Ecwid, nopCommerce, and Salesforce Commerce Cloud. Core products span card and digital wallet acceptance, SEPA direct debit, BNPL (invoice and installment with full credit risk assumption), Unified Commerce data consolidation, Unzer Financial Services (a free business account with corporate cards via Pliant OY), Wero European A2A payments, TSE-compliant POS hardware (POS Go) and software (Tillhub iPad Kassensystem), and a proprietary risk management system backed by a 20M+ address data pool with real-time credit scoring.

The business model is multi-streamed: primary revenue comes from transaction fees on processed card, wallet, BNPL, and SEPA payments (with Unzer bearing credit risk on BNPL), supplemented by recurring subscription revenue from POS terminal hardware/software rentals (€0–€99/month), interchange fees on Unzer Financial Services corporate card spend (with 0.5% cashback subsidized from this), risk and collection services embedded in BNPL pricing, and professional services for enterprise integrations. Go-to-market combines field sales for enterprise and sports venue customers (Decathlon, Netto, SAP Garden, RB Leipzig, WESTbahn), inside sales for mid-market, and product-led growth through the free Shopify plugin and Checkout Booster App, supplemented by a Shopify agency partner ecosystem.

Key customer segments include e-commerce merchants (primary), gastronomy/foodservice, sports & entertainment venues, fashion & accessories retail, hairdressers & beauty salons, bakeries, and B2B merchants. The company is privately held, privately financed (no external funding rounds disclosed), and led by CEO Robert Bueninck and CCO Pascal Beij, with Wero operating under CSSF supervision in Luxembourg and the broader platform under PSD2/PCI DSS compliance.

Name

Unzer

Legal name

Unzer Group GmbH

Website

https://unzer.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Omnichannel Acquirers (Unified In-store + Online) (FSAMABAH), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG), Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)

Keywords

• Payment processing
• Buy now pay later
• Point of sale solutions
• Unified commerce platform
• Risk management services

Headquarters

HQ city

Heidelberg

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Transaction Processing: Unzer earns transaction fees (percentage of transaction value) for processing card payments (Visa, Mastercard, Amex, etc.), digital wallets (Apple Pay, Google Pay, etc.), BNPL methods (invoice, installment), SEPA direct debit, and other payment methods. Merchant receives guaranteed fast payout while Unzer bears credit risk for BNPL products.
2. POS Terminal Hardware and Software Rental: POS Go priced at €0.00/month plus 1.29% card fees. iPad Kassensystem available at €69/month (software only) or €99/month (complete bundle). These recurring subscription-like rental fees for hardware/software contribute to recurring revenue.
3. Business Account & Corporate Cards: Unzer Financial Services provides a free business account with corporate cards (physical and virtual) to card acceptance merchants. Revenue is generated through interchange fees on card spend and the 0.5% cashback is subsidized by this. Pliant OY serves as the regulated e-money institution.
4. Risk & Collection Services: For BNPL (invoice and installment), Unzer bears the credit risk and handles debt collection, charging merchants for this service as part of the transaction fee structure. The risk premium is embedded in the overall BNPL pricing.
5. Professional Services & Integration Consulting: Unzer provides personalized consulting for large enterprise merchants on optimal integration into existing environments, and dedicated implementation support for API-based integrations. These contribute to service revenue alongside the core payment processing.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels10 records

Core offering

Unzer is a German full-stack payment platform enabling merchants to accept online, mobile, and in-store (POS) payments across the DACH region. It provides card and wallet acceptance, BNPL (invoice and installment) with full credit risk assumption, integrated POS hardware and iPad cash registers, unified commerce analytics, a free business account with corporate cards, and a proprietary risk-scoring engine. The platform integrates via REST API, SDKs, pre-configured payment pages, and pre-built plugins for major e-commerce platforms such as Shopify, Shopware, and Magento.

Differentiator

Problem solved

Functional benefit

Brands

• POS Go: All-in-One intelligent payment terminal combining cash register, scanner, printer and business management in one device.
• Unzer Financial Services
• Wero

Products and services

• E-Commerce Payments Online payment solutions accepting all major national and international payment methods (cards, wallets, SEPA) via flexible integration through pre-configured payment page, SDKs, REST API, or plugins. Targets online retailers across Europe.
• Unzer Invoice Invoice payment (Rechnungskauf) BNPL solution with risk assessment, automatic debt collection, and payment protection against defaults. Unzer bears the full credit risk and provides guaranteed fast payouts to merchants.
• Unzer Instalment Installment payment (Ratenkauf) BNPL solution with adjustable interest rates, risk and creditworthiness checks, and payment protection against defaults. Targets higher basket sizes for online and POS merchants.
• Buy Now, Pay Later (BNPL) Complete BNPL suite combining invoice and installment options for online and POS, offering guaranteed fast payouts, whitelabel branding, and up to 18% revenue increase potential.
• POS Go Terminal Android-based all-in-one mobile POS terminal combining card reader, receipt printer, barcode scanner and cash register. Features 5.5\" touchscreen, 4G/LTE, NFC, 5,250 mAh battery (17 hours / 1,300 transactions), and PCI PTS 6.x certification.
• Tillhub iPad Kassensystem Cloud-based iPad cash register system with TSE fiscalization, integrated cash book, analytics, employee management, CRM, shift planning, DATEV export, voucher system, kitchen printer integration, and offline-capable cloud synchronization.
• Unified Commerce Platform consolidating all payment, product, and customer data across online, offline, and mobile channels onto a single system, enabling Click & Collect, unified loyalty programs, cross-channel insights, and centralized reporting.
• Unzer Financial Services Integrated business account with German IBAN, physical and virtual corporate cards, 0.5% cashback on card spend, automatic receipt matching, free SEPA transfers, real-time expense tracking, and DATEV/Lexware integration. Powered by Pliant OY as the regulated e-money institution.
• Wero Payment European account-to-account digital wallet via SEPA Instant Credit Transfer developed by the European Payments Initiative (EPI). Features cryptographic consent (JWS), strong customer authentication (SCA), pre-dispute handling via EPI portal, and sub-10-second settlement.
• Risk Management Intelligent risk management with credit bureau checks, real-time statistical creditworthiness scoring, fraud protection, collection management, and dynamic payment method recommendation (Verify&Pay) powered by a proprietary data pool of 20M+ addresses and 5M+ negative characteristics.
• Gastronomie-Lösungen Restaurant industry POS package including mobile starter, stationary starter, and professional gastro package with waiter ordering system, table reservations, kitchen display, Order-Pro order management, and TSE compliance.
• Checkout Booster App Free Shopify app for displaying BNPL options on product and cart pages, configuring checkout, and synchronizing data two-way between Unzer and Shopify. PSD2, CCD2, and GDPR compliant.
• Risk-Based 2FA for BNPL Risk-based Two-Factor Authentication for BNPL checkout launched May 2026. Risk engine classifies transactions as approved, uncertain (triggering SMS-OTP, Bank-Login/AIS, or Photo-Ident verification), or declined. Automatically activated for Payment Page and Plugin users.

Quantifiable outcome

• Revenue increase of up to 18% through BNPL (invoice and installment) reducing cart abandonment and increasing average order value
• +8 more outcomes

Named customers25 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

AI capability3 records

Feature10 records

Partnerships

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

• TillhubcoreTechnology or IntegrationTillhub provides the iPad-based cash register software integrated into Unzer's POS solutions. Unzer bundles Tillhub's cloud POS system (with TSE fiscalization, inventory, and employee management) with its payment terminals, creating an all-in-one cash register solution for gastronomy, retail, and service businesses.
• SAPcoreStrategic or Co-development PartnerSAP serves as both a technology partner and a customer. Unzer has deployed its full product portfolio in the SAP Garden (EHC Red Bull München arena), integrated with SAP's enterprise landscape. SAP's logo is prominently featured in Unzer's Sports & Entertainment customer materials. The partnership also includes TSG Hoffenheim's PreZero Arena, where Unzer connects with SAP's existing technology infrastructure.
• Pliant OYcoreTechnology or IntegrationPliant OY is a regulated e-money institution that provides the technical infrastructure for Unzer Financial Services' corporate cards and accounts. Unzer leverages Pliant's e-money institution license to offer virtual and physical corporate cards, ensuring regulatory compliance for the business account and card issuance.
• EPI (European Payments Initiative) / WerocoreTechnology or IntegrationUnzer is a key implementation partner for Wero, the European account-to-account payment solution developed by the European Payments Initiative (EPI). Wero leverages SEPA Instant Credit Transfer and is supported by leading banks in Germany, France, and Belgium. Unzer integrates Wero into its payment platform, offering it as a sovereign European alternative to card payments and PayPal.
• ShopifycoreChannel Partner/ Reseller/ DistributorShopify is both a distribution platform and a strategic co-marketing partner. Unzer's free Shopify plugin and Checkout Booster App are distributed through the Shopify App Store. Unzer co-hosts Shopify Circle events and the Merchant Inspiration Talks (K5) conference with Shopify-focused agency partners (ithelps, Salesboat, complus media, HeroSoftware).
• ShopwarecoreChannel Partner/ Reseller/ DistributorShopware is a major e-commerce platform partner in the DACH region. Unzer offers a pre-built Shopware plugin enabling Shopware merchants to accept all major payment methods including BNPL without technical implementation, distributed through the Shopware ecosystem.
• Magento / Adobe CommercecoreChannel Partner/ Reseller/ DistributorUnzer provides a Magento plugin installable via MagentoConnect, targeting small, medium, and large online shops on the Magento platform.
• EHC Red Bull MünchenflagshipStrategic or Co-development PartnerEHC Red Bull München is Unzer's flagship sports venue partner for the SAP Garden project. Unzer has deployed its complete product portfolio (omnichannel payment, POS, BNPL, analytics) in the arena, serving as a showcase for Unzer's capabilities in the Sports & Entertainment vertical.
• RB LeipzigcoreStrategic or Co-development PartnerRB Leipzig is a key sports partner where Unzer is progressively expanding all payment touchpoints in the Red Bull Arena stadium, demonstrating payment innovation in large-scale sports venue operations.
• TSG HoffenheimcoreStrategic or Co-development PartnerTSG Hoffenheim (PreZero Arena) is a partnership demonstrating integration between Unzer's payment solutions and an existing SAP enterprise landscape in a mid-market sports context, representing digital transformation of stadium operations.
• Gladiators TrierminorStrategic or Co-development PartnerThe Gladiators Trier (basketball) are a Unzer partner where the company has implemented cash register and payment solutions to professionalize the club's operations, including use of Unzer Financial Services (business account and corporate cards).
• SNECminorGTM or Marketing PartnerSNEC (Sports and Entertainment Network Consulting) is a sports industry consultancy that partners with Unzer for joint customer development in the Sports & Entertainment segment.
• LeisurominorGTM or Marketing PartnerLeisuro is a sports and leisure industry partner collaborating with Unzer on marketing and business development in the sports entertainment vertical.
• Rugby DeutschlandminorStrategic or Co-development PartnerUnzer supports Rugby Deutschland in professionalizing the federation's operations through cash register and payment solutions for match days and events, with a focus on strengthening women's sports.
• MLP Academics HeidelbergminorStrategic or Co-development PartnerUnzer partners with the MLP Academics Heidelberg basketball team and the city of Heidelberg on digital transformation projects at the sports venue, representing innovation in the intersection of sports, city infrastructure, and technology.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Klarna: Leading European BNPL provider offering invoice, installment, and pay-now methods across DACH. Direct competitor to Unzer's BNPL products and increasingly overlapping into merchant POS payment acceptance.
• Stripe: Global PSP with a strong developer-led GTM and growing DACH footprint. Competes with Unzer on online payment acceptance, API-led integration, and increasingly BNPL orchestration through partnerships.
• Mollie: European PSP focused on SMB and mid-market merchants with broad payment method coverage. Closely comparable on multi-country European acceptance, plugin distribution, and merchant-of-all-sizes positioning.
• Adyen: Global integrated payment processor with deep DACH merchant relationships across online, POS, and unified commerce. Directly competes with Unzer on enterprise omnichannel acceptance, BNPL orchestration, and platform play, though at a much larger scale.
• SumUp: SMB-focused payments and POS provider in Europe. Competes with Unzer in POS hardware, gastronomy cash registers, and small-merchant acquiring, with overlap in hairdresser, bakery, and small retail verticals.
• Ratepay: DACH-focused BNPL provider offering invoice, installment, direct debit, and SEPA. Direct competitor to Unzer Invoice and Instalment, particularly for enterprise merchants operating across Germany, Austria, Switzerland, and the Netherlands.
• Riverty: Bertelsmann-owned BNPL and consumer credit provider operating across Europe. Overlaps directly with Unzer on invoice and installment products, with particular strength in DACH merchant base.
• HPS (formerly Heidelpay): European full-service payment processor offering acquiring, processing, and white-label solutions. Direct competitor to Unzer for enterprise and platform payment acceptance in DACH.

Broad incumbents

• Worldline: Large European payment processor and acquirer with strong DACH enterprise and POS presence. Broader portfolio than Unzer but competes on omnichannel acquiring, terminals, and merchant services for tier-one accounts.
• nexi: European payments incumbent with acquiring, POS, and merchant services across multiple countries. Adjacent competitor to Unzer on omnichannel and enterprise acceptance, particularly for retailers and venues expanding into DACH.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@unzer-payments
• LinkedInlinkedin.com/company/unzer
• Instagraminstagram.com/unzer_payments
• Facebookfacebook.com/Unzer

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A5 records

Investments

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

Frequently asked questions about Unzer