Pay-Jet
- Company typePrivate
- Founded2018
- HeadquartersMünchen, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Pay-Jet does
Pay-Jet GmbH is a privately held German payment solutions provider headquartered in Munich (HRB240763), operating across Europe with a primary focus on Germany. The company delivers an end-to-end, omnichannel payment acceptance stack for small and medium-sized businesses and franchise operations, combining POS terminal hardware (sold or rented, sourced from CCV, Ingenico, and Verifone), a cloud-based e-commerce payment SaaS with 350+ shop integrations, and the Pay-Jet Cockpit reporting and back-office tool. Its core technology routes transactions through OPI/ZVT/API protocols to multiple acquiring banks and payment service providers, with merchants accessing the platform via RDP or browser.
Pay-Jet firmographics
Firmographics- Name
- Pay-Jet
- Legal name
- Pay-Jet GmbH
- Website
- https://pay-jet.de
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where Pay-Jet is headquartered
LocationHeadquarters
- HQ city
- München
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Pay-Jet business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Operations, Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- POS Terminal Sales: Sale of POS terminals to merchants for card present transactions. Merchants purchase terminals outright with retention of title until full payment.
- POS Terminal Rental: Rental/lease of POS terminals for a limited period. Rent calculation commences from the date specified in the Service Agreement.
- POS Services: Payment processing services for card present transactions via POS terminals, including data transmission, card verification, and settlement file creation.
- Platform Services (SaaS): Cloud-based platform for e-commerce payment and transaction processing, provided as Software as a Service solution.
- Depot Maintenance Services: Optional maintenance services for POS terminals, including replacement of defective terminals within one business day.
- Revenue-Based Financing (Pay-Jet Flex): Financing service in partnership with Liberis, providing capital up to 500,000 EUR based on merchant card transaction volume. Repayment is automatically deducted as percentage of card payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Customized pricing based on merchant needs and service scope |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Pay-Jet product offering
Product offeringCore offering
Pay-Jet is a Munich-based payment solutions provider delivering omnichannel payment acceptance to European merchants. Its core offering bundles POS terminal hardware (from CCV, Ingenico, and Verifone) with a cloud-based SaaS e-commerce payment platform, centralized monitoring via the Pay-Jet Cockpit, and revenue-based financing through Pay-Jet Flex (in partnership with Liberis). The company serves thousands of businesses across Europe, with a primary focus on Germany, combining direct sales, personal onboarding, and dedicated account management.
Product overview
Pay-Jet is a modular payment solutions platform based in Munich, Germany, offering an integrated suite of products for businesses across Europe. The core offering consists of three interconnected solutions: Sell in Person (POS terminal solutions for card-present transactions including hardware from CCV, Ingenico, and Verifone), Sell Online (e-commerce payment processing with 350+ shop integrations and fraud prevention), and the Pay-Jet Cockpit (centralized monitoring and reporting dashboard). The platform is accessible via RDP or browser and supports API connections for POS integrations (OPI, ZVT). Additional offerings include Pay-Jet Flex, a revenue-based financing product (up to 500,000 EUR) provided in partnership with Liberis, and POS Terminal Software for managing terminal operations.
Differentiator
Problem solved
Functional benefit
Products and services
- Sell in Person (Point of Sale) POS solutions for accepting digital payments in person, including card readers for card-present transactions, digital wallets, QR code payments, and Smart POS terminals that combine cashier system, printer, and card reader in one device. Designed for retail stores, franchisees, hospitality businesses, and other merchants needing in-person payment acceptance.
- Sell Online (E-commerce Payments) Payment solutions for e-commerce enabling online businesses to accept payments through 350+ shop integrations, shop plugins, payment links, and mobile app integrations. Includes fraud prevention with pattern detection and two-factor authentication. Targeted at online shops, food delivery, booking platforms, and mobility companies.
- Pay-Jet Cockpit Smart monitoring and reporting tool for merchants to view and manage transaction data, terminals, invoices, and reporting from anywhere. Includes accounting features, receipt management, and customized reports. Sold as a standalone management dashboard for Pay-Jet merchants.
- Pay-Jet Flex Revenue-based financing solution allowing businesses to obtain capital (up to 500,000 euros) and repay through a percentage of their card payments processed via Pay-Jet. Provided in partnership with Liberis. Targeted at SMB and mid-market merchants needing flexible growth capital.
Quantifiable outcome
- 99% annual system availability
- +3 more outcomes
Companies that use Pay-Jet
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Pay-Jet technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability1 record
Feature5 records
Pay-Jet partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Pay-Jet competitors and assessment
Company assessmentDirect peers
- Mollie: European payment service provider offering online and in-person payment acceptance plus financing-adjacent services for SMBs and mid-market merchants — directly comparable multi-product PSP positioning.
- Concardis (Nexi): German POS and merchant-acquiring specialist now part of Nexi Group; overlaps with Pay-Jet on card-present terminals and small-merchant acquiring in the German market.
- Heidelpay (Unzer group): Heidelberg-based PSP (now part of Unzer) covering online, mobile, and POS payments for German and European merchants — directly comparable in geography and product surface to Pay-Jet.
- PAYONE: Frankfurt-based omnichannel payment service provider serving retail, hospitality, and e-commerce in Germany — directly comparable merchant vertical mix to Pay-Jet.
- Computop: German payment service provider with both POS and e-commerce gateway offerings plus fraud prevention; comparable in technical scope and SME/mid-market target to Pay-Jet.
- SumUp: European-headquartered POS + omnichannel payments provider targeting SMBs and franchises; competes head-to-head with Pay-Jet in card-present acceptance in Germany and across Europe.
- Unzer: German/EU payment platform offering acquiring, gateway, and embedded finance; competes with Pay-Jet across the same omnichannel merchant segments and has similarly expanded into merchant financing.
Broad incumbents
- Stripe: Global payment platform with developer-first online payments and growing in-person acceptance; overlaps with Pay-Jet on e-commerce processing and increasingly on omnichannel merchant needs.
- Adyen: Global unified commerce platform combining online, in-store, and platform payments for enterprise and mid-market merchants; broader incumbent competing for the same omnichannel merchant wallet.
- Worldline: European payments giant with merchant acquiring, omnichannel acceptance, and digital services; significant overlap with Pay-Jet's German and pan-European merchant acquiring footprint.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pay-Jet social profiles
Digital presencePay-Jet compliance and trust
Trust signalCompliance2 records
Pay-Jet financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pay-Jet leadership team
Management profileNumber of profiles
Profiles1 record
Pay-Jet funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pay-Jet 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 Pay-Jet
What does Pay-Jet do?
Pay-Jet is a Munich-based payment solutions provider delivering omnichannel payment acceptance to European merchants. Its core offering bundles POS terminal hardware (from CCV, Ingenico, and Verifone) with a cloud-based SaaS e-commerce payment platform, centralized monitoring via the Pay-Jet Cockpit, and revenue-based financing through Pay-Jet Flex (in partnership with Liberis). The company serves thousands of businesses across Europe, with a primary focus on Germany, combining direct sales, personal onboarding, and dedicated account management.
Is Pay-Jet a public or private company?
Pay-Jet is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pay-Jet founded?
Pay-Jet was founded in 2018. It employs 11 to 50 people.
Where is Pay-Jet based?
Pay-Jet is headquartered in München, Germany, in the Europe region.
How does Pay-Jet make money?
Six revenue lines are on record. POS Terminal Sales are the primary driver. The others are POS Terminal Rental, POS Services, platform Services (SaaS), depot Maintenance Services and revenue-Based Financing (Pay-Jet Flex).
Who are Pay-Jet's main competitors?
Direct peers on record are Mollie, Concardis (Nexi), Heidelpay (Unzer group), PAYONE, Computop, SumUp and Unzer. Broad incumbents are Stripe, Adyen and Worldline.
Does Pay-Jet have an API?
Yes. Pay-Jet provides a cloud-based platform solution for payment and transaction processing in eCommerce as a Software-as-a-Service. The platform is accessed via Remote Desktop Protocol (RDP) or browser-based. Card readers can be connected via OPI, ZVT, or via the API. Transaction data is received from the merchant's shop system and forwarded via the platform to banks or payment service providers. Pay-Jet acts exclusively as a technical service provider for processing payment transactions.