PAYONE

Name

PAYONE

Legal name

PAYONE GmbH

Website

https://payone.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF), Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Marketplace & Platform Seller Payouts (FSAMAKAE)

Keywords

• Payment processing services
• Card terminal solutions
• E-commerce payment platform
• POS systems
• Omnichannel commerce

Headquarters

HQ city

Ratingen

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: PAYONE charges transaction fees (Disagio) for each payment processed. Fee structures vary by payment method: girocard typically 0.26%-0.89%, credit cards 1.49%-1.90%, with discounted rates for higher-volume merchants. This is the primary revenue stream.
2. Terminal Rental and Hardware: Monthly rental fees for card terminals and hardware packages. Pricing tiers range from 0.00 EUR to 99.00 EUR monthly depending on device type and package. One-time setup fees may also apply.
3. E-Commerce Subscription Packages: Monthly subscription fees for online payment solutions: E-Com Starter from 0.00 EUR, E-Com Pro from 19.00 EUR, and E-Com Individual at custom pricing. Plus one-time setup fees and per-transaction charges.
4. Premium Service Add-ons: Additional revenue from optional services including Dynamic Currency Conversion, Tip Service, Cashback, Tax Free Shopping, and Fleet Card support.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

PAYONE provides integrated cashless payment processing solutions for retail, e-commerce, and omnichannel commerce across Germany and Austria. Its core offerings include card terminal packages, e-commerce payment plugins, POS systems, and enterprise platforms such as Seamless Commerce and REVOLV contactless direct debit. The company serves 277,000 merchants, processes 7.65 billion transactions annually, and operates under BaFin regulation with PCI DSS certification.

Product overview

PAYONE is a full-service payment services provider and the leading payment provider in Germany and Austria, operating as a joint venture between Worldline and DSV-Gruppe. The product portfolio consists of three main categories: card terminal solutions (All Time Flex, All Card Flat, PAYONE Classic, Tap on Mobile), e-commerce solutions (E-Com Starter, E-Com Pro, E-Com Individual, PAYONE Link, PAYONE MOTO), and POS systems (Tillhub, helloTESS!, ready2order). Enterprise customers access specialized solutions including Omnichannel/Seamless Commerce platform, REVOLV direct debit, marketplace payment processing, WERO, Unattended & Vending, Dynamic Currency Conversion, and EVALUE for EV charging. Additional value-added services include digital receipt management (eDocs), tip service, cashback, tax free shopping, customer loyalty (PayHappy!), accounts receivable management, risk management, invoice management, and fleet card support. The company also provides customer-facing service portals including PAYONE Service-Portal, myPortal, PAYONE Merchant Interface, and PAYONE Community.

Differentiator

Problem solved

Functional benefit

Products and services

• All Time Flex Pay-per-use card terminal package with no monthly fixed costs and fair transaction fees that only apply when the device is used. Ideal for occasional card payments or seasonal businesses. Available for retail and SMB merchants.
• All Card Flat Flat-rate tariff at a fixed monthly price for regular card payments. Includes all common payment methods with cost and planning certainty. Includes the T650p terminal.
• PAYONE Classic Individual payment package where merchants select the payment methods important for their business, with optional use of own card terminal or new device from PAYONE. From 12.90 EUR monthly.
• Tap on Mobile Contactless payment acceptance solution that turns Android or iOS smartphones into card readers, with no monthly fixed costs.
• E-Com Starter Entry-level e-commerce payment plugin with essential online payment methods for beginners with few transactions. Includes PayPal, major cards, and secure invoice purchase.
• E-Com Pro Professional e-commerce payment plugin for established online shops with many transactions, offering low transaction costs and extended payment methods including secure invoice purchase.
• E-Com Individual Customized e-commerce package for specialists with access to all PAYONE payment methods and additional services, with individual consulting and custom pricing.
• PAYONE Link Pay-by-link solution allowing merchants to create payment links via an online tool for sending through various channels (email, chat, etc.) to customers for online payments without a web shop.
• PAYONE MOTO Mail Order/Telephone Order (MOTO) solution for securely processing credit card payments for phone or written orders via a web-based virtual terminal.
• Tillhub Kassensystem All-in-one point-of-sale system for retailers, service providers, and small gastronomy operations, with intuitive operation and free DATEV export for accounting integration.
• helloTESS! Kassensystem Leading iPad-based POS system for restaurants and professional gastronomy including system, operating, or hotel gastronomy, with interface for fast operations and digital ordering.
• ready2order Kassensystem Cloud-based POS solution for small gastronomy and traders with flexible setup, free support, and updates.
• PAYONE Omnichannel (Seamless Commerce) Enterprise omnichannel commerce platform bundling all payment transactions from e-commerce, m-commerce, and stationary retail, enabling a seamless customer journey across all channels with unified analytics and cross-channel basket management.
• PAYONE REVOLV SEPA direct debit payment solution enabling contactless payments without signature or PIN for amounts over 50 EUR, reducing merchant payment processing costs by 20-30% and speeding up checkout.
• Marktplatz-Lösung (Marketplace Solution) Payment processing solution designed for online marketplaces and platforms with complex requirements for vendor settlements and split payments.
• WERO Innovative and cost-effective payment solution extending the payment mix, 100% made in Europe.
• Unattended & Vending Self-service payment solutions for vending machines and unattended terminals enabling customers to pay anytime quickly and intuitively.
• Währungsumrechnung (Dynamic Currency Conversion / DCC) Dynamic Currency Conversion solution allowing international customers to pay in their home currency with full cost transparency alongside the Euro amount on card payments.
• EVALUE Payment integration solution for charging station manufacturers and integrators providing essential payment methods for electric vehicle charging networks.

Quantifiable outcome

• REVOLV reduces payment processing costs by 20-30%
• +2 more outcomes

Named customers28 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

Integration7 records

Feature9 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Global BlueminorStrategic or Co-development PartnerPreferred partner for Tax Free Shopping services. Enables international customers from non-EU countries to receive VAT refunds at over 700 refund stations.
• Sparkassen (German Savings Banks)coreChannel Partner/ Reseller/ DistributorOfficial Payment Partner of the Sparkassen. PAYONE solutions are offered through the Sparkassen merchant service, leveraging the trust and local presence of German savings banks.
• BaFin (Bundesanstalt fur Finanzdienstleistungsaufsicht)coreOthersGerman Federal Financial Supervisory Authority that monitors and regulates PAYONE for compliance with statutory requirements.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Adyen: Amsterdam-based global payment processor serving enterprise merchants with unified online and in-store acquiring. Direct competitor to PAYONE for large DACH retailers like H&M, Lidl, and eBay; offers the cross-border reach PAYONE lacks.
• SumUp: London-based SMB-focused payment processor with strong German presence. Direct competitor to PAYONE in the SMB terminal and e-commerce segments, including in retail and gastronomy verticals PAYONE targets.
• Nexi (Concardis): Italian payments group that acquired Concardis, a former direct German payment processor. Competes head-to-head with PAYONE across DACH enterprise and SMB acquiring, with comparable regulatory standing.
• Unzer: Mannheim-based payment processor providing omnichannel acquiring in DACH. Direct competitor specifically named in the Operation Chargeback investigation alongside PAYONE; comparable customer base in German retail and SMB.
• Stripe: Global internet-first payment processor rapidly gaining share in DACH e-commerce. Direct competitor for PAYONE's E-Com Starter, E-Com Pro, and E-Com Individual product lines serving online merchants.

Broad incumbents

• Worldline: French global payment processor and PAYONE's parent/former joint venture partner. Provides broader European acquiring coverage; the parent-subsidiary relationship means PAYONE products are integrated into Worldline's wider portfolio.

Emerging players

• Mollie: Amsterdam-based payment processor expanding across Europe including Germany. Competes with PAYONE in e-commerce and SMB acquiring with developer-first approach and growing market share.

Regional players

• Hobex: Austrian payment service provider serving DACH markets. Particularly relevant competitor in Austria where PAYONE claims #1 market position; comparable product suite for terminals and e-commerce.

Others

• Verifone: Global payment terminal hardware and software provider. While not a direct payment processor competitor, Verifone supplies POS hardware in adjacent markets and serves many of the same verticals as PAYONE.
• Ingenico (Ingenico Group): European payment terminal provider and former Ingenico brand now part of Worldline (PAYONE's parent). Relevant as a sister-entity within Worldline and as a competitor in the terminal hardware market serving similar verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BSPAYONE
• YouTubeyoutube.com/channel/UCM7Eky84PKzkyTILI6xga-Q
• Facebookfacebook.com/BSPAYONE
• LinkedInlinkedin.com/company/payone_gmbh
• Instagraminstagram.com/payone_gmbh

Compliance5 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&A1 record

Investments

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

Frequently asked questions about PAYONE