Mehrwerk
Mehrwerk operates a modular white-label B2B2C platform that delivers cashback and lifestyle-protection value-added services via API into banking, utility, insurance, and retail partner frontends across Europe, the Americas, and Turkey.
- Company typePrivate
- Founded2011
- HeadquartersBielefeld, Germany
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Mehrwerk does
Mehrwerk GmbH is a privately-held, owner-managed German family business founded in 2011 and headquartered in Bielefeld that operates a modular B2B2C platform delivering value-added services in two core categories — Cashback and Lifestyle & Protection. The platform is designed for white-label, API-based integration into the frontends of B2B partners across banking, energy/utility, insurance, and retail, reaching more than 17 million households and 6 million active users annually. Its technology stack emphasizes end-to-end service delivery, real-time data processing, push notifications, and AI/data-driven personalization, with named deployments including HaspaJoker (Hamburger Sparkasse), ZuhausePlus (enercity), moingiro (Sparkasse Holstein), and bespoke cashback and home-protection programs for Clanq and EWE.
The company monetizes through a performance-oriented, outcome-linked remuneration model — partners only pay when value-added service adoption delivers measurable results — combined with embedded insurance economics via its bolttech partnership. Mehrwerk has scaled internationally through wholly-owned regional entities in Scandinavia, the USA, Mexico, and Türkiye, employs over 700 people, and has executed three acquisitions since 2021 (Cpp Creating Profitable Partnerships, PTG Professional Travel, and Tenerity) to broaden its capability set. The business serves enterprise and mid-market partners through direct B2B sales and channel partnerships, with no public listing, external venture capital backing, or disclosed funding rounds identified in the source material.
Mehrwerk firmographics
Firmographics- Name
- Mehrwerk
- Legal name
- Mehrwerk GmbH
- Website
- https://mehrwerk.de
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Mehrwerk operates a modular white-label B2B2C platform that delivers cashback and lifestyle-protection value-added services via API into banking, utility, insurance, and retail partner frontends across Europe, the Americas, and Turkey.
- Ownership category
- akta.pro rank
Mehrwerk industry classification
Industry- Product category
- Embedded Value-Added Services Platform
- NAICS
- All Other Business Support Services (561499)
- akta.pro primary industry
- B2B Marketplaces & Wholesale Platforms (BPAMAGAD)
Keywords
Where Mehrwerk is headquartered
LocationHeadquarters
- HQ city
- Bielefeld
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Mehrwerk business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Value-Added Services (Cashback & Lifestyle Protection): Mehrwerk earns revenue by providing modular value-added services (Cashback and Lifestyle & Protection) to B2B partners (banks, utilities, retailers). The company operates on a performance-oriented model where remuneration is linked to VAS adoption and measurable outcomes for clients.
- Embedded Insurance Services: Revenue generated through embedded insurance products delivered in partnership with bolttech, integrated into partner customer journeys in financial services, retail, and utilities across Germany and internationally.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Multi-year contract | Performance-based / outcome-linked pricing model |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Mehrwerk product offering
Product offeringCore offering
Mehrwerk operates a modular B2B2C platform that delivers white-label value-added services in two categories — Cashback and Lifestyle & Protection — integrated via API into the frontends of banks, neobanks, utility providers, fintechs and retailers. Partners (e.g., Haspa, enercity, Sparkasse Holstein, Clanq, EWE) embed these services into their customer journeys to drive engagement, loyalty and additional revenue, while Mehrwerk is paid on a performance-linked basis.
Product overview
Mehrwerk operates a unified modular B2B2C platform delivering value-added services in two core categories: Cashback and Lifestyle & Protection. The platform is white-labeled by clients and integrated via API into frontends. The portfolio includes branded sub-products such as HaspaJoker (cashback banking program), ZuhausePlus (home protection), moingiro (embedded banking account), and Clanq (savings cashback), each deployed as tailored solutions for banking, retail, and utility partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Mehrwerk Platform A modular B2B2C platform offering value-added services in the categories Cashback and Lifestyle & Protection, designed for white-label integration into partner products and transaction systems via API.
- Cashback Services Merchant-funded cashback and rewards programs integrated into banking, retail and savings products, enabling partners to offer customer loyalty benefits while generating incremental revenue.
- Lifestyle & Protection Services Lifestyle protection services — including home protection, purchase protection, and extended warranty offerings — bundled with financial products and utility services for partner customers.
Quantifiable outcome
- Over 17 million households and 6 million active users annually served through the platform
- +1 more outcomes
Companies that use Mehrwerk
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Mehrwerk technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature6 records
Mehrwerk partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- bolttechcoreMehrwerk partnered with bolttech, a global InsurTech company, to expand embedded insurance and value-added services across Germany and international markets. The collaboration combines bolttech's embedded insurance technology platform with Mehrwerk's transaction data capabilities and network of over 17 million households. The partnership enables retail banks to embed insurance products into customer journeys, initially focusing on Germany before international expansion.
- enercitycoreLaunched ZuhausePlus — a free home protection offering provided as a new customer bonus by energy supplier enercity, powered by Mehrwerk's Lifestyle & Protection platform.
- Haspa (Hamburger Sparkasse)coreHaspa and Mehrwerk jointly evolved the HaspaJoker value-added program into its next generation — one of the most established VA programs in the European banking market. The new iteration includes a new technology platform, digital services, and expanded customer-centric functions.
- Sparkasse HolsteincoreSparkasse Holstein deployed Mehrwerk's moingiro model — a current account with added value combining modern protection services, cashback, and targeted embedded communication, acting as a margin booster within the Sparkasse environment.
- ClanqminorMehrwerk developed a data-driven, merchant-funded cashback benefits program for Clanq's savings product — fully integrated, scalable, and performance-based.
- EWEminorEWE, an energy supplier, uses Mehrwerk's home protection offering to strengthen customer loyalty and trust through smart protection solutions that safeguard transactions and reward loyalty.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Mehrwerk competitors and assessment
Company assessmentDirect peers
- Swile: French B2B employee-benefits and engagement super-app merging Lunchr with cashback, gifts and insurance. Same value-added services category, same channel-partner GTM motion, and same European footprint trajectory as Mehrwerk.
- bolttech: Singapore-headquartered global embedded-insurance platform that is now a strategic partner of Mehrwerk. Overlaps directly on Mehrwerk's Lifestyle & Protection product line and competes for the same banking distribution slots.
- Edenred: Listed French B2B prepaid-benefits platform (Ticket Restaurant, etc.) with embedded VAS, loyalty and engagement solutions distributed through employers, banks and public-sector partners. Closely comparable business model, scale and customer profile to Mehrwerk.
- Collinson Group: Private UK-based operator of Priority Pass, LoungeKey and other lifestyle benefits embedded in bank card programs and travel platforms. Directly comparable lifestyle & protection VAS for financial services partners, with similar whitelabel/embedded distribution.
- Sodexo (Pluxee): Global leader in B2B benefits, rewards and lifestyle services (meal vouchers, gift cards, loyalty). Operates a white-label B2B2C VAS platform integrated into employer, banking and retailer partners — directly analogous to Mehrwerk's cashback and lifestyle & protection stack.
- Cashback Solutions: Belgian white-label cashback and loyalty platform purpose-built for retail banks and retailers. Nearly identical product (merchant-funded cashback, white-label, banking API integration) and customer base to Mehrwerk's Cashback module.
Emerging players
- Spendit: German B2B employee-benefits and engagement platform combining prepaid cards, perks and lifestyle benefits. Direct DACH-region competitor targeting similar employer and bank-channel customers as Mehrwerk.
- Comarch Loyalty: Poland-based software vendor offering white-label loyalty, cashback and VAS platforms to banks, retailers and telecom operators across Europe. Comparable modular B2B2C platform play in adjacent geographies.
- Benify: Swedish HR/benefits and employee-engagement platform with perks, rewards and insurance distribution across Nordic employers. Comparable white-label VAS distribution model in a similar European region.
- Cover Genius: Australia-based embedded-insurance technology provider distributed via e-commerce, travel, retail and banking partners. Adjacent competitor in the Lifestyle & Protection / extended-warranty surface where Mehrwerk competes.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Mehrwerk social profiles
Digital presenceMehrwerk financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mehrwerk leadership team
Management profileNumber of profiles
Profiles4 records
Mehrwerk subsidiaries and ownership
Company hierarchySubsidiaries4 records
Mehrwerk funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mehrwerk M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mehrwerk
What does Mehrwerk do?
Mehrwerk operates a modular B2B2C platform that delivers white-label value-added services in two categories — Cashback and Lifestyle & Protection — integrated via API into the frontends of banks, neobanks, utility providers, fintechs and retailers. Partners (e.g., Haspa, enercity, Sparkasse Holstein, Clanq, EWE) embed these services into their customer journeys to drive engagement, loyalty and additional revenue, while Mehrwerk is paid on a performance-linked basis.
Is Mehrwerk a public or private company?
Mehrwerk is a private company. It is classified as family owned and is currently operating.
When was Mehrwerk founded?
Mehrwerk was founded in 2011. It employs 501 to 1,000 people.
Where is Mehrwerk based?
Mehrwerk is headquartered in Bielefeld, Germany, in the Europe region.
How does Mehrwerk make money?
Two revenue lines are on record. Value-Added Services (Cashback & Lifestyle Protection) is the primary driver. The others are embedded Insurance Services.
Who are Mehrwerk's main competitors?
Direct peers on record are Swile, bolttech, Edenred, Collinson Group, Sodexo (Pluxee) and Cashback Solutions. Emerging players are Spendit, Comarch Loyalty, Benify and Cover Genius.
Does Mehrwerk have an API?
No public API is recorded for Mehrwerk.
What industry is Mehrwerk in?
Mehrwerk's product category is Embedded Value-Added Services Platform. Its primary akta.pro industry code is BPAMAGAD, B2B Marketplaces & Wholesale Platforms. Its NAICS code is 561499.