Xolvis
Xolvis is a German payment processor offering industry-specific card acceptance, online invoice links, and BNPL financing for car rental operators, FBO/aviation businesses, and automotive dealerships, backed by free PAX terminals and EU-only data hosting.
- Company typePrivate
- Founded-
- HeadquartersMunich, Germany
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Xolvis does
Xolvis GmbH is a German payment solutions provider headquartered in Penzberg, Bavaria, operating across multiple geographic regions including the EU, USA, Canada, LATAM, and South Africa. The company builds industry-specific payment processing products for car rental operators, Fixed Base Operator (FBO) aviation businesses, automotive dealerships and workshops, and BNPL-accepting merchants. Its core platform bundles payment acceptance (card-present via PAX A800 mobile and A3700 countertop terminals, card-not-present via secure payment links), tokenization with 90-day validity for pre-authorization and deposits, DMS/POS API integration, and a BNPL installment product financed through Raiffeisen Bank International. Infrastructure runs exclusively on AWS Frankfurt (eu-central-1) with ISO 27001 certification and PCI DSS Level 1 compliance.
The company monetizes primarily through transaction-based pricing — from 0.78% + $0.30 per transaction on the Interchange Plus model, with a 3.2% + $0.35 flat-rate option for rental operators and IC + 50 bps for high-volume merchants — plus a $249/month subscription layer for FBO online payment software. There are no monthly base fees, setup fees, or inactivity charges, and PAX terminals are provided free of charge with a lifetime replacement guarantee. Xolvis markets directly to B2B merchants through its website, consultation-led sales with 24-hour response, and vertical-specialist support, while operating as a privately held GmbH with no disclosed external funding. The company is GDPR-compliant, German-incorporated, and EU-data-resident, positioning data sovereignty as part of its value proposition to regulated merchant categories.
Xolvis firmographics
Firmographics- Name
- Xolvis
- Legal name
- Xolvis GmbH
- Website
- https://xolvis.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Xolvis is a German payment processor offering industry-specific card acceptance, online invoice links, and BNPL financing for car rental operators, FBO/aviation businesses, and automotive dealerships, backed by free PAX terminals and EU-only data hosting.
- Ownership category
- akta.pro rank
Where Xolvis is headquartered
LocationHeadquarters
- HQ city
- Munich
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Xolvis business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Operations, Supply Chain, Marketing or Sales, Personnel
Revenue model
- Transaction Processing Fees: Primary revenue stream from percentage-based transaction fees ranging from 0.78% + $0.30 per transaction. Includes Interchange Plus model (IC + 50 bps) for high-volume operators and Flat Rate model (3.2% + $0.35) for rental car operators. No monthly base fees, setup costs, or inactivity charges.
- Online Payment Software Subscription: Optional monthly subscription for online invoice payment software at $249/month per FBO location. Includes invoice consumption from existing systems, checkout page, payment link distribution via email and SMS, and integration to existing invoice systems.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Interchange Plus Rate |
| Transaction based/ take rate | Pay-as-you-go | Rental Car Flat Rate |
| Transaction based/ take rate | Pay-as-you-go | Rental Car Interchange Plus |
| Subscription | Monthly | Online Payment Software (FBO) |
| Transaction based/ take rate | Pay-as-you-go | Automotive Standard Rate |
| Transaction based/ take rate | Pay-as-you-go | BNPL Flexible Installments |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Xolvis product offering
Product offeringCore offering
Xolvis is a payment processing company that provides industry-specific merchant payment solutions for car rental operators, Fixed Base Operator (FBO) aviation businesses, and automotive dealerships/workshops. The offering combines free PAX payment terminals (A800 mobile and A3700 countertop) with lifetime replacement, transparent per-transaction pricing (from 0.78% + $0.30), T+2 settlement, online invoice payment links, DMS integration, and a Buy Now Pay Later (BNPL) installment financing product.
Product overview
Xolvis is a payment processing company offering four industry-specific solutions: Car Rental Solution, FBO & Aviation Solution, Automotive Solution, and Buy Now Pay Later (BNPL). The platform is built around free PAX hardware terminals (PAX A800 mobile and PAX A3700 countertop) with lifetime replacement guarantee. Pricing starts at 0.78% + $0.30 per transaction with no monthly base fee. Core value proposition includes T+2 business day payout, software-agnostic/DMS integration capabilities, and BNPL financing up to €7,000 with zero default risk for merchants. All solutions share common infrastructure including free terminals, lifetime support, and online payment/invoice link features.
Differentiator
Problem solved
Functional benefit
Products and services
- Car Rental Solution End-to-end payment processing for car rental fleet operators featuring pre-authorization, security deposits, fleet management payment tools, card-on-file tokenization (90-day validity), and software-agnostic integration with rental management systems. Pricing available at IC + 50 bps or flat rate of 3.2% + $0.35 per transaction.
- FBO & Aviation Solution Payment processing for Fixed Base Operators and aviation services covering fuel services, ground handling, MRO invoicing, hangaring, de-icing, GPU services, VIP lounge, catering, ground transport, customs, flight training, and charter services. Includes mobile ramp-ready terminals, online pre-departure invoice payment, and BNPL for large aviation invoices.
- Automotive Solution Payment solutions for automotive dealerships and workshops with DMS-compatible integration, workshop counter and floor payments, online invoice payment before vehicle pickup, digital wallet acceptance, and BNPL for service payments. Transactions payout within two business days.
- Buy Now Pay Later (BNPL) Flexible installment payment solution allowing customers to finance purchases up to €7,000 over up to 36 months. Offers zero default risk for merchants with immediate payout and 100% payment guarantee. Integrates via API or plugin to common dealership POS systems. Available in Germany and Austria.
- PAX A800 Mobile Terminal Wireless mobile payment terminal with 4G, WiFi, and Bluetooth connectivity, NFC contactless, digital signature capture, Android operating system, and PCI PTS certification. Designed for rental lots, FBO ramps, and workshop floors. Provided free with contract including shipping and lifetime replacement.
- PAX A3700 Countertop Terminal Countertop payment terminal with large color touchscreen display, NFC contactless capability, digital signature capture, all card brands accepted, and PCI PTS certification. Best suited for rental counters, FBO desks, dealership cashiers, and workshop reception. Provided free with contract including shipping and lifetime replacement.
Quantifiable outcome
- Transaction fees as low as 0.78% + $0.30 vs industry average
- +2 more outcomes
Companies that use Xolvis
Customer profileSegments4 records
Ideal customer profiles3 records
Xolvis technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature7 records
Xolvis partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- Amazon Web Services (AWS)coreAWS provides cloud hosting for Xolvis's entire technical infrastructure. All data resides in AWS region eu-central-1 (Frankfurt am Main). Amazon Web Services EMEA SARL, Luxembourg. ISO 27001 certified. Data processing exclusively within the EU.
- Google WorkspacesupportingGoogle Workspace is used for processing incoming and outgoing emails and internal corporate communication. Provider: Google LLC, Mountain View, CA, USA. Data transfer protected via EU Standard Contractual Clauses and EU-US Data Privacy Framework.
- Payment & Bank Partners (Multiple)supportingMultiple payment and bank partners integrated worldwide for payment processing capabilities. Enables card processing across various networks and international payment methods.
- LinkedInsupportingXolvis maintains a company profile on LinkedIn (linkedin.com/company/xolvis) for professional networking, employer branding, and B2B marketing. Joint controller relationship for Page Insights data with LinkedIn Ireland Unlimited Company.
- InstagramsupportingXolvis maintains an Instagram profile (instagram.com/xolvis) for visual brand presence and social engagement. Joint controller relationship for Instagram Insights data with Meta Platforms Ireland Limited.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Xolvis competitors and assessment
Company assessmentDirect peers
- Clover (Fiserv): Clover is an integrated POS hardware-plus-software platform from Fiserv used by SMBs across retail, restaurants, and services. Closely comparable to Xolvis on the bundled hardware/payments/app-store model, though Clover does not specialize in rental, FBO, or automotive verticals.
- SpotOn: SpotOn provides integrated POS hardware, payments, and vertical software to SMBs in restaurants, retail, and services. Comparable to Xolvis in business model (hardware-bundled payments plus software) and SMB focus, though concentrated in restaurant and retail verticals.
- Toast: Toast is a vertical POS and payments platform built specifically for restaurants, combining proprietary terminals with integrated software. Xolvis is most directly analogous as a vertical POS/payments player, differing only by targeting rental, FBO, and automotive instead of food service.
- DealerPay: DealerPay is a payment platform built specifically for automotive dealerships, offering integrated card processing, DMS integration, and online payments. Most directly comparable to Xolvis's automotive solution on customer segment and product design.
- Stax (formerly Payment Depot): Stax is a subscription-based payment processor offering transparent Interchange Plus pricing to SMBs. Comparable to Xolvis on transparent Interchange Plus pricing and absence of monthly base fees, though without the bundled hardware and vertical specialization.
Broad incumbents
- Shift4 Payments: Shift4 is an integrated payments provider serving hospitality, restaurants, and other verticals with end-to-end payment processing. Comparable to Xolvis on vertical-focused integrated payments, though at much larger scale and with a different vertical mix.
- Stripe: Stripe is a global payment processor with developer-first APIs and broad merchant coverage. Comparable to Xolvis on payment processing infrastructure and transparent Interchange Plus pricing, but serves a much wider set of verticals and lacks Xolvis's vertical-specialized workflows.
- Heartland Payment Systems (Global Payments): Heartland, part of Global Payments, is a major SMB-focused payment processor with emphasis on vertical-specific service. Comparable to Xolvis on the Interchange Plus, vertical-oriented SMB payments thesis, though at much larger scale.
- Square (Block): Block's Square is a dominant integrated POS and payments platform serving SMBs across verticals. Comparable to Xolvis as a POS-and-payments bundle targeting small and mid-sized merchants, though Square operates at far greater scale and across many more verticals.
- Lightspeed Commerce: Lightspeed provides cloud-based POS and payments for retail, restaurant, and golf verticals. Comparable to Xolvis on the vertical-specialized POS-plus-payments model, though its verticals are different.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Xolvis social profiles
Digital presenceXolvis compliance and trust
Trust signalCompliance3 records
Xolvis financial estimates
Financial estimateRevenue estimate
Valuation estimate
Xolvis leadership team
Management profileNumber of profiles
Profiles2 records
Xolvis funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Xolvis 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 Xolvis
What does Xolvis do?
Xolvis is a payment processing company that provides industry-specific merchant payment solutions for car rental operators, Fixed Base Operator (FBO) aviation businesses, and automotive dealerships/workshops. The offering combines free PAX payment terminals (A800 mobile and A3700 countertop) with lifetime replacement, transparent per-transaction pricing (from 0.78% + $0.30), T+2 settlement, online invoice payment links, DMS integration, and a Buy Now Pay Later (BNPL) installment financing product.
Is Xolvis a public or private company?
Xolvis is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Xolvis founded?
Xolvis was founded in -1. It employs 51 to 100 people.
Where is Xolvis based?
Xolvis is headquartered in Munich, Germany, in the Europe region.
How does Xolvis make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are online Payment Software Subscription.
Who are Xolvis's main competitors?
Direct peers on record are Clover (Fiserv), SpotOn, Toast, DealerPay and Stax (formerly Payment Depot). Broad incumbents are Shift4 Payments, Stripe, Heartland Payment Systems (Global Payments), Square (Block) and Lightspeed Commerce.
Does Xolvis have an API?
Yes. Xolvis provides API integration capability for its Installment Billing (BNPL) solution. Dealers can connect via API or ready-made plugin to common DMS and POS systems. The BNPL page states: 'Connection via API or plugin – compatible with common dealership POS systems.' Technical integration from contract signing to go-live typically takes a few business days. Specific API documentation URL, authentication method, rate limits, or sandbox availability are not publicly disclosed.