Aufinity

What Aufinity does

Aufinity, legally aufinity Group GmbH, is a Cologne-based software company founded in 2018 that builds a digital payment management platform purpose-built for the automotive trade. The core product, branded "Autonomous Finance," automates the receivables workflow end-to-end — from digital payment invitation and modern payment-method acceptance (debit/credit card, PayPal, smartphone, installments) through automated dunning to settlement reconciliation — with real-time payment status visibility, anti-money-laundering compliance tooling, and dealer management system (DMS) integrations. The platform is delivered as a core product plus a modular suite of add-ons including Aufinity Smart Checkout, Digital Installment Payment, Automated Dunning, Money Laundering Prevention, a White Label Solution, and an Aufinity Score diagnostic tool, with the German market served under the bezahl.de sub-brand.

The company targets car dealerships and OEMs exclusively, selling through an enterprise field sales motion with consultation appointments and quote-based pricing; revenue is generated primarily from transaction processing fees on the SaaS platform. Aufinity serves 2,000+ dealership and OEM relationships across Germany, Spain, Italy, and France, processes more than €10 billion in automotive payments annually, and claims penetration of more than 80% among Germany's top 100 automotive retailer groups. Payment processing is enabled through partnerships with UniCredit Bank AG, Taunus Sparkasse, Adyen, Concardis, and FinTecSystems, with dealer-side distribution reinforced by DMS integrations (Keyloop, INCADEA, Nextlane), a Sixt Leasing channel partnership, and Spanish dealer-association relationships (GANVAM, Faconauto, Flexicar).

The company operates from a Cologne headquarters with a regional headquarters in Madrid, runs with 101-250 employees, and is led by three managing directors — Ulrich Schmidt, Lasse Diener, and Markus Wolf. No venture capital or private equity investment is disclosed in the available data, and the company does not publish revenue, pricing, or financial figures.

Name

Aufinity

Legal name

aufinity Group GmbH

Website

https://aufinity.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Aufinity is a Cologne-based software company that provides a digital payment management platform purpose-built for European automotive dealerships and OEMs, processing over €10 billion annually across 2,000+ dealer relationships.

Ownership category

akta.pro rank

Product category

Automotive Payment Management Software

NAICS

Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industries

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), A2A Bill Pay & eInvoicing (Open Banking Enabled) (FSAMAFAL)

Keywords

• Automotive payment processing
• Digital receivables platform
• Dealer payment automation
• Payment management software
• Automotive fintech software

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Platform: SaaS platform for digital payment management in automotive sector. Revenue generated from transaction processing fees and platform subscription for car dealerships and OEMs.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Aufinity sells a vertical B2B SaaS platform called Autonomous Finance that automates and digitizes automotive payment and receivables processes for car dealerships and OEMs. The platform handles digital payment invitations, automated reminders and dunning, modern payment methods (card, PayPal, smartphone, installments), real-time payment status, reconciliation, money laundering prevention, and offers a white-label option. It is sold under the Aufinity brand in Europe and the bezahl.de brand in Germany.

Product overview

Aufinity is a digital payment management platform designed specifically for the automotive trade, offering a unified platform-plus-modules architecture. The core product, Autonomous Finance, automates the entire receivables process from payment invitation to settlement. The platform includes modules for modern payment experiences (Smart Checkout), digital installment payments, automated dunning, money laundering prevention, client accounts, and white-label solutions. Aufinity also provides diagnostic tools including an Aufinity Score for evaluating payment process efficiency and an ROI Calculator for potential customers. The platform processes over €10 billion in automotive payments annually across more than 2,000 dealership partners in Europe, with a German-market sub-brand called bezahl.de.

Differentiator

Problem solved

Functional benefit

Brands

• Autonomous Finance: Digital payment management system that automates payment invitations, reminders, and reconciliation for automotive dealerships
• Aufinity Smart Checkout
• Aufinity Score

Products and services

• Aufinity Platform (Autonomous Finance) A B2B SaaS platform that automates and digitizes automotive receivables — from digital payment invitation through automated reminders and dunning to settlement and reconciliation — for car dealerships and OEMs across Europe. Includes real-time payment status, modern payment methods, and supports white-label deployment.
• bezahl.de

Quantifiable outcome

• 20 minutes of manual work saved per transaction
• +2 more outcomes

Named customers8 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature11 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• UniCredit Bank AG (Hypovereinsbank)coreTechnology or IntegrationPayment transactions via the 'Auto Assignment' product extension are processed through UniCredit Bank AG. All payments are deposited into a dedicated virtual IBAN per transaction with UniCredit Bank AG.
• Taunus SparkassecoreTechnology or IntegrationPayment transactions via 'Auto Assignment' can also be processed through Taunus Sparkasse. All payments deposited into dedicated virtual IBAN per transaction at Taunus Sparkasse.
• FinTecSystems GmbHcoreTechnology or IntegrationServices used for transfer orders establishing connection between FinTecSystems and customer online banking. Enables online transfers with TAN authorization.
• Concardis GmbHcoreTechnology or IntegrationPayment processing via credit card or PayPal through Concardis GmbH platform.
• Adyen N.V.coreTechnology or IntegrationPayment processing via credit card, Girocard or PayPal through Adyen platform.
• Dembach Goo Informatik GmbH & Co. KGcoreTechnology or IntegrationHosting provider for Aufinity services, storing and processing data exclusively for payment transactions.
• GANVAMminorStrategic or Co-development PartnerSpanish automotive dealer association partnership for market expansion in Spain.
• FaconautominorStrategic or Co-development PartnerSpanish automotive dealer group partnership for market expansion.
• FlexicarminorStrategic or Co-development PartnerSpanish automotive dealer group partnership.
• Sixt LeasingminorChannel Partner/ Reseller/ DistributorLeasing partner for automotive financing solutions.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Billie: Berlin-based B2B BNPL/invoice-financing fintech offering 'Buy Now, Pay Later' for B2B transactions. Highly comparable to Aufinity's digital installment and receivables automation product set, serving similar mid-market European buyers and sellers.
• Ratepay: Berlin-based BNPL and invoice-payment provider serving merchants across Europe with white-label checkout and dunning. Closely comparable to Aufinity's white-label checkout, installment, and automated dunning features.
• Riverty (CollectAI): German fintech (formerly Bertelsmann's Arvato Financial Solutions) providing AI-driven accounts-receivable management and installment payments. Direct comparison to Aufinity's receivables automation and dunning modules, also serving German enterprise customers.

Broad incumbents

• Stripe: Global payments infrastructure provider with Stripe Billing and Invoicing products addressing receivables automation. Comparable to Aufinity's invoicing/payment-invitation workflow, though operating at vastly larger scale and broader verticals.
• Adyen: Amsterdam-headquartered global payments platform powering unified commerce for enterprises. Comparable as a transaction-processing partner and broader alternative to Aufinity's payment layer, with potential to disintermediate niche players via automotive-specific builds.
• Unzer: Heidelberg-based full-stack payment platform offering processing, checkout, and merchant acquiring across the DACH region. Comparable to Aufinity as a German-rooted PSP serving SMB and enterprise merchants, though broader in scope.
• Mollie: Amsterdam-based payments platform serving European SMBs with checkout, billing, and invoicing tooling. Comparable to Aufinity as a European-focused SMB payments/receivables provider, though Mollie is multi-vertical rather than automotive-specialized.

Regional players

• Heidelpay (Nexi Group): German payment service provider (now part of Italian Nexi Group) offering checkout, acquiring, and invoicing for DACH merchants. Comparable as a regional payments competitor serving the same German SMB market as Aufinity.
• Auto1 Group (Auto1 Pay): Berlin-based digital automotive platform operating used-car marketplace and remarketing across Europe. Comparable as an automotive-vertical digital services company that could expand into payment/receivables offerings for dealers, posing a vertical-adjacent competitive risk.

Emerging players

• Tink (Visa): Stockholm-based open-banking platform (acquired by Visa) providing A2A payments, account aggregation, and reconciliation. Comparable to Aufinity's open-banking-enabled payment-invitation and reconciliation features via FinTecSystems-style integrations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bezahlde
• Facebookfacebook.com/bezahl.de

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

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 Aufinity