Viafintech

What Viafintech does

Viafintech (legal entity: viafintech GmbH), founded in 2011 in Berlin as Cash Payment Solutions GmbH and rebranded in December 2020, operates Europe's largest bank-independent cash payment infrastructure. The company connects banks, telecommunications providers, utilities, insurers, retailers, and public authorities to a network of 20,000+ retail partner stores across 9 European countries (Germany, Austria, Switzerland, Spain, Italy, Poland, Greece, France, Great Britain), with Portugal and additional markets listed as 'coming soon.' Its core product, Viacash, enables smartphone-only cash deposits, withdrawals, and bill payments through a barcode-based system: customers generate barcodes within partner banking apps (or via email, SMS, or postal mail) and complete transactions by scanning at retail POS checkouts, with real-time confirmation and automated reconciliation.

The platform is built on cloud-based payment infrastructure that connects retail POS terminals via RESTful API and SFTP to corporate clients' billing and accounting systems. Beyond Viacash, the product portfolio includes Viaprepaid (gift card solutions), Vaiaidentity (POS-based KYC verification), Viacouponing (automated barcode-based couponing across 20,000 POS), Viacoins (coin recycling into payout slips), and Viapayment (QR-code based cashless payments). Payment services are licensed through banking partners Grenke Bank AG (Germany, Austria, Spain) and Hypothekarbank Lenzburg AG (Switzerland via SBB). Since November 2021, Viafintech operates as a wholly-owned subsidiary of Paysafe Group Limited (NYSE: PSFE), following a prior 53% investment by GLORY Ltd. in October 2019.

Viafintech generates revenue through transaction fees on cash deposits, withdrawals, and bill payments processed through its retail network, with commissions shared among Viafintech, retail partners, and banking partners. The company employs approximately 90 people from more than 15 countries and serves enterprise clients including N26, ING Germany, comdirect, bunq, Solarisbank, TARGOBANK, Illimity Bank, C24 Bank, Tomorrow, Vivid, mobilcom-debitel, E.ON, Generali, and dm-drogerie markt. GTM combines API-first integration for corporate clients with regional field sales teams organized by geography (DACH, Italy, Iberia, France, Switzerland/Austria).

Name

Viafintech

Legal name

viafintech GmbH

Website

https://viafintech.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Short description

Viafintech operates Europe's largest bank-independent cash payment infrastructure, connecting 20,000+ retail partner stores across 9 countries to banks, telecoms, utilities, and insurers via barcode-based POS technology for cash deposits, withdrawals, and bill payments.

Ownership category

akta.pro rank

Product category

Cash Payment Infrastructure

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Finance Services (6199)

akta.pro primary industry

Payment Gateways & API Connectivity (FSAGABAB)

akta.pro secondary industries

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Cash payment infrastructure
• Barcode payment processing
• Bank-independent payments
• Fintech payment platform
• Retail payment network

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Viafintech earns transaction fees for each cash deposit, withdrawal, or bill payment processed through its network of retail partner stores. The fee is typically shared between viafintech, the retail partner, and the banking partner (Grenke Bank AG or Hypothekarbank Lenzburg AG).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Viafintech operates Europe's largest bank-independent cash payment infrastructure, enabling businesses (banks, telecoms, utilities, insurers) to offer their end customers cash-based payment, payout, prepaid top-up, identity verification and couponing services. The platform connects digital service providers with a network of 20,000+ retail partner stores across 9 European countries, where transactions are executed via barcode generation and scanning at the point of sale.

Product overview

Viafintech operates as a financial services platform that digitizes cash transactions across Europe. The core product is viacash, which enables cash withdrawals, deposits, and bill payments through a barcode-based system at retail partner stores. The platform includes sub-products for gift cards (Viaprepaid), KYC verification (Vaiaidentity), automated couponing (Viacouponing), coin recycling (Viacoins), and QR-code payments (Viapayment). The offering is delivered through multiple channels including an API for business partners, SFTP for data exchange, and a mobile app for consumers. In German-speaking markets (Germany, Austria), services are branded as Barzahlen/viacash, while international markets use the viacash brand. The platform connects financial institutions (banks, insurers, utilities) with a network of 20,000+ retail partner stores to enable cash-based financial services.

Differentiator

Problem solved

Functional benefit

Brands

• Viaprepaid: Gift card solutions for retail stores - standard gift card processes for customers and retail stores.
• Vaiaidentity
• viacouponing
• Viacash
• Viacoins
• viapayment

Products and services

• Viacash Cash payment service allowing end customers of partner businesses to pay bills, deposit cash, or conduct cash-based transactions at retail partner stores via barcode generation and scanning.
• Viaprepaid Prepaid card top-up service enabling end customers to load funds onto prepaid cards at retail partner stores using barcode-based transactions.
• Vaiaidentity Identity verification service enabling customer onboarding and identification to be completed in person at retail partner stores through barcode-based workflows.
• Viacouponing Coupon distribution and redemption service that allows businesses to issue vouchers and coupons redeemable as cash at retail partner locations.
• Viacoins Cryptocurrency cash service enabling end customers to buy or sell cryptocurrencies using cash at retail partner stores via barcode transactions.
• Viapayment Payment platform product enabling businesses to integrate cash payment functionality into their digital services via API and barcode-based workflows at retail partner stores.

Quantifiable outcome

• Premium credits paid through viacash exceeded 10,000 cases with positive customer feedback
• +2 more outcomes

Named customers16 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

19 partnerships are on record, tiered core and minor.

• ING GermanycoreStrategic or Co-development Partner · 14 December 2022Germany's third-largest bank by number of customers partners with viafintech to strengthen its consumer offering with cash payment services.
• PecunpayminorChannel Partner/ Reseller/ Distributor · 16 August 2022Partnership to launch a new cash deposit and withdrawal network in Spain, expanding viafintech's reach in the Spanish market.
• comdirectminorStrategic or Co-development Partner · 21 July 2022German direct bank leverages Barzahlen/viacash to offer cash deposits and withdrawals for current accounts.
• Grupo IFAminorChannel Partner/ Reseller/ Distributor · 13 July 2022Grupo IFA stores including Grupo MAS, GADISA, and Condis offer viacash for deposits and withdrawals at checkout in Spain.
• VividminorStrategic or Co-development Partner · 27 June 2022Vivid Money (Solarisbank-based neobank) cooperates with viafintech for cash deposits to current accounts at supermarket checkouts.
• TomorrowminorStrategic or Co-development Partner · 31 March 2022Sustainable fintech Tomorrow integrates viacash into their app, enabling customers to deposit or withdraw money from their bank account at nearby supermarkets.
• ID FinanceminorStrategic or Co-development Partner · 21 February 2022ID Finance integrates viacash into some of its products in Spain, allowing users of online credit services to pay back loans by cash at store checkout.
• FUNKEminorStrategic or Co-development Partner · 24 January 2022FUNKE is launch partner for digital billing system for voucher clearing throughout Germany, including processing voucher campaigns for customer marketing.
• SolarisbankcoreStrategic or Co-development Partner · 3 December 2021Partnership to launch comprehensive deposit and withdrawal infrastructure in Europe. Solarisbank integrates viacash as core infrastructure for their banking-as-a-service platform, enabling their digital bank clients to offer cash services at retail POS.
• Q1 Energie AGminorChannel Partner/ Reseller/ Distributor · 24 August 2021Q1 petrol stations join viafintech's retail partner network, expanding service availability in Germany.
• N26coreStrategic or Co-development Partner · 8 April 2021N26 uses CASH26 (developed by viafintech) for cash deposits and withdrawals at retail POS. Service launched in Germany, Austria, Greece, and Spain.
• Illimity BankminorStrategic or Co-development Partner · 7 April 2021Italian digital bank Illimity integrates viacash into their illimitybank.com mobile app for cash deposit services.
• Carrefour ItalyminorChannel Partner/ Reseller/ Distributor · 17 February 2021viafintech customers can deposit and withdraw cash from their current bank account in 409 Carrefour Italy stores via mobile banking apps.
• OLB BankminorStrategic or Co-development Partner · 23 June 2020Oldenburgische Landesbank AG (OLB) cooperates with viafintech for the 'OLB Cash' feature.
• European Fintech Association (EFA)minorOthers · 16 June 2020Viafintech is co-founder of the European Fintech Association, representing interests of European fintech companies and developing a digital financial agenda.
• TARGOBANKcoreStrategic or Co-development Partner · 12 September 2019TARGOBANK joins viafintech network with over 12,000 cash deposit and withdrawal acceptance points, complementing their own branch network.
• bunqminorStrategic or Co-development Partner · 9 July 2019European neobank bunq cooperates with viafintech for the CashMe feature enabling cash deposits and withdrawals in Germany, Austria, and Italy.
• Swiss Federal Railways (SBB)coreChannel Partner/ Reseller/ Distributor · 4 February 2019SBB machines and transport services in Switzerland accept viacash payments 24/7, on behalf of Hypothekarbank Lenzburg AG.
• REWE International AGcoreChannel Partner/ Reseller/ Distributor · 30 January 2019REWE Group Austria expansion added around 2,500 POS through cooperation in Austria (Billa, Bipa, Merkur, Penny).

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PayPoint plc: UK-listed operator of retail payment networks for bill payments, cash services, and prepaid products. Closely comparable to Viafintech's barcode-driven retail-POS model, including partnerships with grocers and convenience stores for cash-in / cash-out services.
• epay (Euronet subsidiary): Global provider of prepaid, gift card, and retail payment solutions at the point of sale. Directly comparable to Viafintech's Viaprepaid, Viacash, and Viacouponing products distributed via large retail partner networks.
• Payzone: European retail payment network offering bill payments, prepaid top-ups, and cash services at convenience stores. Operates the same retail-to-consumer cash-services model as Viafintech across multiple European geographies.
• PPRO: Payment orchestration platform connecting merchants and PSPs through a single API. Closely comparable to Viafintech's API-first infrastructure model connecting corporates to a network of payment endpoints across Europe.

Broad incumbents

• Euronet Worldwide: Global operator of ATM networks, money transfer, and payment processing. Comparable to Viafintech at a broader scale given its ownership of epay and large cash-infrastructure footprint across Europe.
• Worldline: One of Europe's largest payment service providers, covering merchant acquiring, issuing, and payment processing. Provides broader context for Viafintech's role in the European embedded-payments stack.
• Nexi: Leading European PayTech providing payments acceptance, processing, and digital banking solutions. Comparable as a scaled incumbent operating payments and banking-adjacent infrastructure across Italy and broader Europe.
• ACI Worldwide: Global real-time payment processing and electronic payment software provider. Comparable as a broader incumbent in payment orchestration and banking infrastructure that touches bill pay, biller-direct, and real-time transactions.

Emerging players

• Trustly: Account-to-account payment network owned by Nordic Capital. Adjacent to Viafintech in enabling bank-to-merchant flows, with overlap on bank-based payment infrastructure targeting merchants and fintechs in Europe.
• SumUp: European fintech providing POS card readers and merchant payment services. Comparable in its SMB and retailer-facing distribution model, though focused on card acceptance rather than cash services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/viafintech
• Facebookfacebook.com/viacash.europe
• LinkedInlinkedin.com/company/viafintech

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Viafintech