What NOVALNET AG does

NOVALNET AG is a BaFin-licensed German payment service provider founded in 2007 and headquartered in Unterföhring/Munich. The company operates an all-in-one SaaS payment platform that delivers full-service payment processing across 150+ countries, supporting 150+ payment methods and 125+ currencies, with data hosted exclusively in German data centers (PCI DSS Level 1, SOC 2 Type II). Beyond core processing, the platform bundles Payment Guarantee (eliminating chargeback/return-debit risk for SEPA Direct Debit, cards and invoices), Subscription Management with tokenized recurring billing, Virtual IBAN for automated invoice/prepayment allocation, Split Payments / Revenue Share for marketplaces, Cashback-compliant escrow accounts, Dunning & Debt Collection, POS (NovalPay), Pay-by-Link, Virtual Terminal, and Phone/IVR Payments. Distribution is delivered through 100+ instant plugins (SAP, Salesforce, Shopify, WooCommerce, Magento, Spryker, Shopware, etc.), a RESTful API plus SDKs (TypeScript, Swift, Flutter, React Native), and direct enterprise sales. Underlying technology includes the proprietary AI-based Novashield fraud-prevention system (60+ modules combining device fingerprinting, behavioral analytics and IP geolocation), NIST-finalized post-quantum cryptography (ML-KEM, ML-DSA, SLH-DSA), and 99.99% SLA uptime.

NOVALNET AG generates revenue predominantly through transaction-based take-rate pricing (e.g., cards €0.24 + 1.70%, SEPA Direct Debit €0.24 + 1.50%, with higher-margin payment guarantee fees of €1.62 + 2.5% for B2B), supplemented by premium feature services (e.g., PDF invoice activation fees, batch-refund tooling) and subscription management infrastructure. Surcharges apply to corporate/international cards. Named enterprise customers span aerospace (Airbus), manufacturing (Hilti, AB InBev), mobility (Sixt), telecommunications (Deutsche Telekom), insurance (Zurich Insurance, Allianz), retail/consumer (Avon) and nonprofit healthcare (Caritas), while a separate self-serve, SMB-focused plugin ecosystem plus developer portal serves long-tail merchants.

Name

NOVALNET AG

Legal name

Novalnet AG

Website

https://novalnet.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

BaFin-licensed German payment service provider offering full-service payment processing, fraud prevention, subscription billing, and multi-currency payouts across 150+ countries via 100+ platform integrations, serving enterprise and SME merchants.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Processing & Data Preparation (7374), Finance Services (6199)

akta.pro primary industry

Payment Gateways & Orchestration (BPAMAFAA)

akta.pro secondary industries

Tokenization, Network Vaults & Credential Management (FSAGABAF), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Payment processing
• Subscription billing
• Payment gateway
• Fraud prevention
• Merchant services

Headquarters

HQ city

Unterföhring

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Percentage-based transaction fees plus fixed per-transaction fees across all payment methods. Fees vary by payment type: Credit/Debit Cards 0.24€ + 1.70%, SEPA Direct Debit 0.24€ + 1.50%, Online Bank Transfer 0.24€ + 1.10%, with surcharges for corporate/international cards.
2. Premium Feature Services: Additional revenue from premium features including PDF invoice export (one-time activation fee of 120 or usage-based), batch refund processing for high-volume merchants, and enterprise-grade add-ons.
3. Guaranteed Payment Services: Fee-based payment guarantee services for B2B and B2C invoice and SEPA direct debit with guarantee, with higher transaction fees: B2B SEPA guarantee 1.62 + 2.5%, B2C SEPA guarantee 0.42 + 2.4%.
4. Subscription Management: Recurring billing infrastructure for membership and subscription businesses with automated payment collection, tokenized payment storage, and subscription lifecycle management.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

NOVALNET AG operates a BaFin-licensed full-service payment processing SaaS platform supporting 150+ automated payment methods and 125+ currencies across 120+ countries. The platform combines payment processing, fraud prevention (Novashield), subscription management, tokenized one-click payments, split payments/marketplace payouts, and dunning under a single contract. It serves e-commerce merchants, SaaS/subscription businesses, marketplaces, cashback programs, and outstaffing platforms with enterprise-grade PCI DSS Level 1 infrastructure hosted in Germany.

Product overview

Novalnet AG is a BaFin-licensed all-in-one payment service provider offering a unified platform with modular add-on capabilities. The core Full-service Payment Processing platform (supporting 150+ payment methods across 125+ currencies in 120+ countries) serves as the foundation, supplemented by specialized modules including Payment Guarantee, Subscription Management, One-Click Payments/Tokenization, Virtual IBAN, Split Payments and Revenue Share, Instant Payment Plugins (100+ e-commerce/ERP/CRM integrations), Cashback, Outstaffing, Pay-by-Link, Virtual Terminal, Phone Payments (Call and Pay), NovalPay POS, Seamless Checkout, and Custom Domain for checkout customization. The platform's security and operations layer includes Novashield Payment Protection (AI-based fraud prevention with 60+ modules), Dunning & Debt Collection, Escrow Accounts, PCI DSS Certification, Real-Time Monitoring, Chargeback Handling, and Alliance for Cyber Security participation. Supporting services include Automated Invoices, Debtor Management, Analytics & Reports, Marketplace & Affiliates, End-user Support (multilingual), Taxation automation, Technical Support, Document Management, Invoice & Payouts, Project Management, Member Administration, and Single Sign-On. The Technology & Platform layer provides SaaS infrastructure with 99.99% uptime hosted in Germany.

Differentiator

Problem solved

Functional benefit

Brands

• NovalPay: Point-of-sale payment solution for online, in-store, and mobile on-site payments.

Products and services

• Full-service Payment Processing Core payment processing platform supporting 150+ automated payment methods and 125+ currencies across 120+ countries. Single contract covers payment processing, payouts, fraud prevention, and subscription management.
• Subscription Management Flexible recurring payment system for membership and subscription businesses with automated billing, secure tokenized payment storage, and intelligent subscription scheduling with PCI DSS Level 1 infrastructure.
• One-Click Payments / Tokenization User-friendly online and offline payments via tokenization, enabling repeat customers to complete payments with one click. Fully encrypted payment tokens stored in PCI DSS Level 1 environment.
• Virtual IBAN Automated credit assignment for invoice and pre-payments with simplified e-commerce payment and accounting processes, added security, transparency, and account allocation capabilities.
• Split Payments and Revenue Share Automated marketplace and affiliate management enabling split payments to participating merchants and marketplace owners. Supports revenue share calculation rules with automated payouts from escrow accounts.
• Instant Payment Plugins

Quantifiable outcome

• Go-live capability within 3-5 days from account creation to production processing
• +2 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration40 records

AI capability4 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core.

• VisacoreTechnology or Integration · 1 September 2025Novalnet achieved official VISA acquirer status and became a VISA Principal Member in September 2025, placing Novalnet among a select group of financial institutions worldwide with the highest level of VISA partnership. This enables direct processing of VISA transactions with enhanced capabilities and preferential positioning.
• SAPcoreTechnology or IntegrationSAP-certified integration for SAP Commerce Cloud Composable Storefront, SAP Digital Payments Add-On, SAP Commerce Cloud, and SAP Commerce. Novalnet's integration enables enterprises running SAP to seamlessly incorporate payment processing into their SAP landscape without disrupting data flow between SAP systems and finance operations.
• SalesforcecoreTechnology or IntegrationNative integration with Salesforce platform enabling seamless payment processing within Salesforce CRM and commerce environments for enterprise customers.
• ShopifycoreTechnology or IntegrationReady-made Shopify plugin for instant payment integration enabling Shopify merchants to accept 150+ payment methods with minimal development effort.
• WooCommercecoreTechnology or IntegrationFree WooCommerce plugin enabling small and medium businesses to integrate Novalnet payment processing with one-click activation.
• Magento (Adobe Commerce)coreTechnology or IntegrationMagento 2 payment module with full-featured integration for enterprise merchants requiring advanced payment capabilities on the Magento platform.
• Apple PaycoreTechnology or IntegrationApple Pay integration for secure, biometric-authenticated mobile payments with transaction fee of 0.24 + 1.99%.
• Google PaycoreTechnology or IntegrationGoogle Pay integration enabling fast, secure checkouts on Android and web platforms with seamless authentication.
• PayPalcoreTechnology or IntegrationPayPal integration with competitive transaction fees (0.24 + 0.00 base rate) for PayPal payments, supporting global PayPal users.
• MastercardcoreTechnology or IntegrationMastercard payment processing integrated with standard card transaction rates. Novalnet is a Principal Member enabling direct processing.
• iDEAL/WerocoreTechnology or IntegrationiDEAL (transitioning to Wero) integration for Dutch market online bank transfers with competitive rates (0.28 + 0.30%).

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Concardis / Nets (Nexi Group): European payment processor under the Nexi Group providing merchant acquiring, e-commerce gateways, and POS solutions with strong DACH/Nordics presence through the Concardis brand. Overlaps with Novalnet in European merchant acquiring but operates at much larger scale.
• Worldline: Large European payment processor and merchant acquirer offering a broad portfolio that includes merchant services, payment gateways, and processing. Overlaps with Novalnet in European enterprise acquiring and PSP capabilities but at much larger scale and broader scope.
• PayPal (Braintree): Global digital payments giant offering consumer wallets (PayPal), merchant processing, and Braintree gateway/API services. Competes with Novalnet in online payment acceptance for SMB and enterprise merchants across global markets.

Direct peers

• Stripe: Global full-service payment platform offering unified payment processing, fraud prevention, subscription billing, and developer APIs. Direct competitor to Novalnet in serving e-commerce and SaaS merchants across Europe and worldwide with a comparable all-in-one developer-led model.
• Adyen: European-headquartered unified payments platform processing card payments globally with strong enterprise focus. Competes head-to-head with Novalnet for enterprise merchants needing global multi-method acquiring, risk management, and platform-level integrations.
• Mollie: European payment service provider offering multi-method online payment processing for SMBs and mid-market merchants. Closely comparable to Novalnet's European SME and plugin-led distribution model across e-commerce and ERP platforms.
• Unzer: German payment platform (combining Heidelpay) offering payment processing, fraud prevention, and subscription management across DACH and Europe. The closest direct regional competitor to Novalnet's German/EEA-centric base, sharing BaFin-regulated PSP positioning.
• Checkout.com: Global unified payments platform targeting enterprise merchants with multi-method processing, fraud tools, and subscription billing. Direct competitor to Novalnet in the enterprise segment with comparable API-first developer approach and global coverage ambition.
• Computop: German-headquartered payment service provider offering multi-method online processing, fraud prevention, and POS solutions for global merchants. Comparable to Novalnet in product breadth, enterprise integration approach, and DACH regulatory positioning.

Emerging players

• Klarna: European BNPL and payment platform offering installment, pay-now, and merchant processing services. Adjacent peer with overlapping merchants and payment methods (SEPA) but differentiated by BNPL-led consumer credit proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/novalnet
• GitHubgithub.com/Novalnet-AG
• Facebookfacebook.com/novalnet
• LinkedInlinkedin.com/company/novalnet-ag
• Instagraminstagram.com/novalnet

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries3 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 NOVALNET AG