payever
payever GmbH is a Hamburg-based commerce infrastructure platform providing composable checkout, POS payment acceptance, and embedded financial services (BNPL, lending, payments) to merchants, banks, insurers, fintechs, PSPs, and SaaS providers via a partner-first, API-enabled distribution model.
- Company typePrivate
- Founded2013
- HeadquartersHamburg, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What payever does
payever GmbH is a Hamburg-based commerce infrastructure company, founded in 2013, that provides a modular platform spanning online checkout, point-of-sale payment acceptance, and a suite of embedded financial services. The core offering is a composable checkout product configurable to merchant and partner requirements, supported by value-added services including B2C and B2B Buy Now Pay Later, consumer finance, embedded lending, embedded payments, and bank, link, and QR-based payment methods. Native plugin connectors are maintained for more than 15 commerce platforms (Shopify, Shopware, Magento, WooCommerce, Commercetools, PrestaShop, Plentymarkets, OXID, JTL, xt:Commerce, Opencart, Oro Commerce, CCV Shop, Dan Domain, and Smartstore), alongside an API and a no-code builder. Recent product additions include an AI-powered Product Information Management module launched in 2024, conversational and social commerce capabilities, and sustainability tooling.
The company operates a partner-first, API-enabled distribution model targeting Banks, Insurers, Fintechs, PSPs and Gateways, E-Commerce Platforms, POS Systems, and SaaS Providers as primary customer segments, with named enterprise references including Santander Consumer Bank and Allianz Trade. Revenue is generated primarily through transaction-based fees on payment processing, with custom quote-based pricing and multi-year enterprise contracts. The business is privately held (GmbH structure) with a team of 11-50 employees; total disclosed funding across 2013-2017 is approximately $810K, with no subsequent equity rounds reported in the available data. payever is led by CEO Artur Schlaht, with co-founder Viktor Butsch on the leadership team. Hosting is positioned as European-based with premier security and data privacy compliance as a competitive differentiator versus non-EU competitors.
payever firmographics
Firmographics- Name
- payever
- Legal name
- payever GmbH
- Website
- https://getpayever.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- payever GmbH is a Hamburg-based commerce infrastructure platform providing composable checkout, POS payment acceptance, and embedded financial services (BNPL, lending, payments) to merchants, banks, insurers, fintechs, PSPs, and SaaS providers via a partner-first, API-enabled distribution model.
- Ownership category
- akta.pro rank
payever industry classification
Industry- Product category
- Commerce Infrastructure Platform
- NAICS
- Sales Financing (522220), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
Keywords
Where payever is headquartered
LocationHeadquarters
- HQ city
- Hamburg
- HQ country
- Germany
- HQ region
- Europe
Markets served
payever business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Payment Processing Services: Transaction-based payment processing for online and Point of Sale transactions, enabled through partnerships with major financial institutions
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Custom enterprise pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
payever product offering
Product offeringCore offering
payever operates a B2B commerce infrastructure platform offering modular, white-label checkout, embedded payments, point-of-sale, buy-now-pay-later (B2C and B2B), consumer finance, embedded lending, conversational and social commerce, a no-code builder, an AI-powered PIM module, and integrated storefront tools (site, shop, ads, messaging, contacts, sustainability). Banks, retailers, and digital platforms compose these components to deliver tailored commerce and embedded-finance experiences without building the underlying technology themselves.
Product overview
payever is a composable commerce infrastructure platform that enables businesses of any size and industry to connect with partners and accept payments both online and at the Point of Sale. The platform is built around a modular architecture centered on Checkout Solutions as the core product, supplemented by Value-Added Services including B2C Buy Now Pay Later, B2B Buy Now Pay Later, Consumer Finance, Embedded Lending, and Embedded Payments. Additional payment methods include Pay by Bank, Pay by Link, and Pay by QR. The portfolio also includes conversational and social commerce tools, a No Code Builder, and an AI-powered Product Information Management (PIM) system. Integration is facilitated through native plugins for major e-commerce platforms including Shopify, Shopware, Magento, WooCommerce, PrestaShop, and others, as well as through an API.
Differentiator
Problem solved
Functional benefit
Products and services
- Checkout Solutions payever's flagship modular checkout solution that lets businesses and financial institutions deliver customizable, white-label checkout experiences across digital channels.
- Composable Checkout A composable checkout product that exposes individual checkout components (payment methods, flows and BNPL/embedded-pay rails) so clients can assemble tailored checkout experiences rather than buy a fixed bundle.
- Embedded Payments An embedded payments engine that allows banks, platforms and partners to integrate payment processing capabilities directly into their own digital properties and products.
- Point of Sale (POS) A cloud-based point-of-sale software system that lets retailers and merchants run in-store checkout, payments and sales operations on the same commerce infrastructure as their online channels.
- BNPL (B2C) A buy-now-pay-later product for consumer commerce flows, enabling merchants to offer installment-based payment options to end shoppers at checkout.
- BNPL (B2B) A buy-now-pay-later product for business-to-business commerce, enabling suppliers and platforms to offer trade-credit-style installment payments to other businesses.
- Consumer Finance A consumer finance product that brings personal lending and credit capabilities into the checkout and commerce flow for end shoppers.
- Embedded Lending An embedded lending product that lets partners and platforms offer credit and lending products to their end customers without building their own credit infrastructure.
- Conversational Commerce A conversational commerce product that enables businesses to run shopping, checkout and product discovery inside messaging and chat channels.
- Social Commerce A social commerce product that lets merchants sell directly through social media channels and integrate social-driven storefronts with the broader payever checkout and payments stack.
- No-Code Builder A no-code builder product that lets non-technical users configure payever's checkout, commerce and storefront flows via visual tooling rather than custom code.
- AI-powered PIM An AI-powered product information management (PIM) module that helps merchants create, enrich and manage product catalog data, launched in 2024.
- Sustainability A sustainability product that lets merchants integrate sustainability scoring, messaging and shopper-facing information into their commerce experience.
Companies that use payever
Customer profileNamed customers2 records
Segments7 records
Ideal customer profiles2 records
payever technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature5 records
payever partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- Santander Consumer BankcoreFeatured as a success story customer using payever's checkout solutions. Santander Consumer Bank connects with payever's commerce infrastructure to offer payment acceptance capabilities to their customers.
- Allianz TradecoreFeatured as a success story customer utilizing payever's checkout solutions. Allianz Trade integrates payever's commerce infrastructure to serve their payment processing needs.
- World's Largest Financial InstitutionscoreStrategic partnerships with major financial institutions enabling competitive pricing models and diverse payment option support. These partners trust payever's services and connect with their customers through the platform.
- ShopifycoreOfficial plugin integration available for Shopify merchants to access payever's checkout solutions and payment processing capabilities.
- ShopwarecoreOfficial plugin integration for Shopware 5, 6 & Cloud platforms enabling merchants to utilize payever's commerce infrastructure.
- MagentocoreOfficial plugin integration for Magento 1 & 2 enabling enterprise merchants to embed payever's checkout and payment solutions.
- WooCommercecorePlugin integration available for WooCommerce platform allowing WordPress-based merchants to access payever's payment processing.
- CommercetoolscoreIntegration partnership providing composable commerce connectivity for Commercetools customers accessing payever's payment infrastructure.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
payever competitors and assessment
Company assessmentDirect peers
- Stripe: Stripe is a global payments and embedded finance infrastructure platform offering Checkout, Connect, and embedded lending products. It competes head-to-head with payever's composable checkout, embedded payments, and embedded lending offerings for the same bank, platform, and merchant customers.
- Adyen: Adyen is a leading global payment processor serving enterprise merchants and platforms with unified online and POS acceptance. payever's online + POS checkout value proposition for large merchants and partners directly overlaps Adyen's core offering.
- Checkout.com: Checkout.com provides payment processing, acquiring, and orchestration infrastructure to platforms and large merchants. Its embedded payments, multi-method acceptance, and platform partnership model are directly comparable to payever's partner-first commerce infrastructure.
- Mollie: Mollie is a European payment service provider offering multi-method online checkout, POS, and platform integrations. It competes with payever for European SMBs, platforms, and partners on similar multi-payment-method checkout value.
- SumUp: SumUp provides integrated POS and online payment acceptance primarily to European SMB merchants. Its bundled in-person and online payment experience overlaps directly with payever's checkout + POS product positioning for the SMB segment.
- Klarna: Klarna is the leading European BNPL provider and increasingly offers merchant checkout, POS, and embedded banking. payever's B2C and B2B BNPL plus embedded lending functionality directly competes with Klarna's merchant-facing credit and checkout products.
- Riverty: Riverty (formerly Arvato Financial Solutions) is a Bertelsmann-owned European provider of BNPL, consumer credit, and embedded finance products. It is a close competitor to payever's BNPL, consumer finance, and embedded lending value-added services.
Broad incumbents
- Worldline: Worldline is a major European payment processor and merchant acquirer serving banks and large merchants across online and POS channels. It overlaps payever's checkout, POS, and partner-bank distribution but operates at vastly greater scale and scope.
- Nexi: Nexi is a large European payments and digital banking infrastructure provider for merchants, banks, and PSPs. Its merchant acquiring, payment orchestration, and embedded commerce capabilities are a broader, incumbent analogue to payever's platform play.
- PayPal: PayPal operates a global payment and embedded commerce platform spanning checkout, POS, BNPL (Pay in 4), and embedded lending. It is a much larger, established player with overlapping capabilities to payever's full commerce and value-added services stack.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
payever social profiles
Digital presencepayever financial estimates
Financial estimateRevenue estimate
Valuation estimate
payever leadership team
Management profileNumber of profiles
Profiles2 records
payever funding detail
Funding detailFunding overview
Funding rounds5 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
payever 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 payever
What does payever do?
payever operates a B2B commerce infrastructure platform offering modular, white-label checkout, embedded payments, point-of-sale, buy-now-pay-later (B2C and B2B), consumer finance, embedded lending, conversational and social commerce, a no-code builder, an AI-powered PIM module, and integrated storefront tools (site, shop, ads, messaging, contacts, sustainability). Banks, retailers, and digital platforms compose these components to deliver tailored commerce and embedded-finance experiences without building the underlying technology themselves.
Is payever a public or private company?
payever is a private company. It is classified as venture growth investor backed and is currently operating.
When was payever founded?
payever was founded in 2013. It employs 11 to 50 people.
Where is payever based?
payever is headquartered in Hamburg, Germany, in the Europe region.
How does payever make money?
One revenue line is on record: payment Processing Services.
Who are payever's main competitors?
Direct peers on record are Stripe, Adyen, Checkout.com, Mollie, SumUp, Klarna and Riverty. Broad incumbents are Worldline, Nexi and PayPal.
Does payever have an API?
Yes. payever offers an API that enables integration with their commerce and payment solutions. The API is referenced as part of their developer resources and integration options. Developer documentation is at getpayever.com.
What industry is payever in?
payever's product category is Commerce Infrastructure Platform. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 522220 and its SIC code is 6159.