What paymenttools does

Paymenttools is a German payment technology company operating as a wholly-owned subsidiary of REWE Group, one of Germany's largest retail conglomerates. The company provides end-to-end payment processing infrastructure for large retailers, with a particular focus on the REWE Group ecosystem across Germany, Austria, Slovakia, and the Czech Republic. Its portfolio includes Merchant Center (a transaction monitoring and management platform), SoftPOS (an MPoC-certified software-based solution converting Android devices into contactless payment terminals), YourPay (QR-based payment integration for loyalty apps), Network & Girocard services (registered Girocard network operator infrastructure), and terminal hardware solutions. The company is a registered Girocard network operator since 2012 and holds ISO 27001, PCI DSS, and PCI MPoC certifications.

The underlying technology combines certified tokenization, an identity-first security architecture with cryptographic identity embedded at the protocol layer, and a modular platform design where Merchant Center serves as the unified portal. The company processes over 1.8 billion cumulative transactions, 50,000+ active terminals across 20,000+ shops, and handles approximately 15% of all German Girocard transactions with stated 99.99%+ system availability and 10,000 transactions-per-minute throughput capacity. Major customers include REWE, Toom (processing 2.8 million transactions monthly), Penny, Billa, ADEG, Sutterlüty, BiPa, and Kölner Weinkeller.

Revenue is generated primarily through transaction processing fees on Girocard, credit/debit card, and contactless payments, supplemented by network operation fees, terminal hardware and software services, and partner network professional services. Pricing is custom and transaction-based with no publicly disclosed price list. The go-to-market combines direct enterprise field sales targeting large retail chains with a channel partner network including RS2 (Beyond), Global Payments Germany, and Rubean AG. The company is headquartered in Cologne with a secondary office in Berlin, employs approximately 150 people across 25 nationalities and 4 countries, and is led by Managing Directors Dr. Oliver Bernards and Christoph Stolz, with Ludger Bieberstein as Head of Product and Founder.

Name

paymenttools

Legal name

OC Payment GmbH

Website

https://paymenttools.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

51–100 employees

Short description

Paymenttools is a German payment technology subsidiary of REWE Group providing payment processing, SoftPOS, loyalty-app payment integration, and Girocard network operation services to large retailers across Germany, Austria, Slovakia, and the Czech Republic.

Ownership category

akta.pro rank

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Fees charged per transaction processed through the payment network, including Girocard, credit cards, and contactless payments across terminals, SoftPOS, and YourPay.
2. Network Operation Fees: Fees for operating as a registered Girocard network operator, providing cost-optimized card acceptance services for retailers.
3. Terminal Hardware and Software Services: Revenue from software that drives market-leading terminal hardware (Ingenico lane/desk/move/link series) and SoftPOS solutions.
4. Partner Network Services: Technical sales, onboarding, and integration support services provided through partner channel, including API integration and customization.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Paymenttools is a payment technology company that provides enterprise retailers and merchants with end-to-end payment infrastructure, including the Merchant Center management platform, MPoC-certified SoftPOS mobile payment software, YourPay loyalty-app payment integration, certified Girocard and SEPA direct debit network operation, and payment terminal hardware. It earns revenue primarily through per-transaction processing and network operation fees, with additional revenue from terminal hardware/software and partner integration services.

Product overview

Paymenttools is a German payment technology company offering a modular payment platform centered on Merchant Center (transaction management portal), SoftPOS (software-based mobile payments), YourPay (loyalty app payment integration), Network & Girocard services (network operator for German cards), and Terminal hardware. The architecture follows a platform approach where Merchant Center serves as the unified portal for managing all payment operations, with specialized products addressing different payment acceptance channels: hardware terminals for traditional checkout, SoftPOS for mobile device-based payments, and YourPay for in-app loyalty integration. Network & Girocard provides the underlying infrastructure and lower-cost payment methods for German retailers.

Differentiator

Problem solved

Functional benefit

Brands

• Merchant Center: Versatile payment platform for transaction monitoring, reporting, user management, and chargeback handling.
• SoftPOS
• YourPay
• Network & Girocard
• Terminals

Products and services

• Merchant Center Versatile web-based payment platform for real-time transaction monitoring, reporting and analytics, user management with role-based access controls, chargeback handling, and technician support for terminal management across all merchant payment operations.
• SoftPOS MPoC-certified software solution that transforms standard Android smartphones or tablets into contactless payment terminals, enabling merchants to accept card payments, mobile wallets and wearables via NFC without dedicated hardware.
• YourPay White-label payment integration for loyalty apps that enables customers to pay, earn loyalty points, and redeem promotions with a single QR code scan, reducing scheme fees while increasing app engagement.
• Network & Girocard Registered network operator services providing certified infrastructure for Girocard and SEPA direct debit transactions, enabling cost-optimized German card acceptance for retailers, including those outside Germany.
• Paymenttools Terminals Payment terminal hardware portfolio including stationary terminals (Lane/5000, Desk/5000, Lane/3000) and portable terminals (Move/5000, Link/2500), running Paymenttools software for girocard, credit card, smartphone and QR code payments.

Quantifiable outcome

• 2.8 million transactions per month processed reliably in real time for Toom (REWE Group)
• +5 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• RS2 (Beyond by RS2)coreTechnology or IntegrationRS2 is a global payment processor and technology provider that helps banks, financial institutions, ISOs, ISVs, PayFacs, fintechs and merchants deliver digital payment solutions. Paymenttools partners with RS2 to leverage their global payment processing infrastructure and technology capabilities.
• Global Payments GermanycoreTechnology or IntegrationGlobal Payments Germany is part of Global Payments Inc. (NYSE: GPN), a leading payment technology company providing innovative software and services worldwide. The partnership enables Paymenttools to offer a broad range of payment solutions across multiple channels globally.
• Rubean AGcoreTechnology or IntegrationRubean AG is a leading provider of software point-of-sale terminals (SoftPOS) for accepting contactless card payments, focused on combining maximum security with robust, fail-safe SoftPOS operation. Paymenttools collaborates with Rubean on SoftPOS technology.

Scale indicators10 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Adyen: Unified global payments platform serving large enterprise retailers with omnichannel acquiring, terminals, and value-added services. Highly comparable in targeting enterprise retail clients with integrated processing infrastructure, though Adyen operates globally and lacks Girocard network operator specialization.
• SumUp: European fintech specializing in mobile card readers and SoftPOS for small and mid-sized merchants. Directly comparable in the software-based payment acceptance space, though SumUp focuses primarily on SMBs rather than enterprise retail like Paymenttools.
• Verifone: Global provider of payment terminals and integrated commerce solutions, including a competitive SoftPOS offering. Comparable in the payment terminals and software-based acceptance category, particularly competing with Paymenttools' SoftPOS and terminal portfolio.

Emerging players

• Rubean AG: Munich-listed provider of SoftPOS technology for contactless card acceptance on commercial off-the-shelf devices. A technology partner to Paymenttools with directly overlapping product capabilities in the MPoC SoftPOS category.

Broad incumbents

• Worldline: Largest European payment processor and acquirer, offering merchant acquiring, terminals, and SoftPOS solutions across multiple European markets. Directly comparable as a pan-European PSP/ acquirer, though much larger and not specialized in the German Girocard niche that anchors Paymenttools' value proposition.
• Global Payments Inc. Major global payment technology company providing merchant acquiring, processing, and software-led commerce solutions; a strategic channel partner to Paymenttools via its German subsidiary. Comparable in providing integrated payment processing to enterprise merchants at scale.
• Nexi: Leading European PayTech serving banks, merchants, and PSPs with acquiring, processing, and digital payment services. Comparable as a European payment infrastructure provider serving enterprise merchants and financial institutions across multiple countries.

Regional players

• CardComplete: Austrian card issuing and acquiring business serving the Austrian and DACH markets, including several REWE Group subsidiaries. Comparable in targeting Austrian retail merchants with acquiring and processing services.
• Hobex: Austrian payment service provider offering card acceptance, SoftPOS, and POS terminals primarily in Austria and the DACH region. Comparable as a regional payment processor competing for the same Austrian and DACH retail customers.

Others

• RS2 (Beyond by RS2): Global payment processor and technology provider enabling banks, fintechs, and merchants to deliver digital payment solutions. A strategic technology partner to Paymenttools and therefore an ecosystem peer whose infrastructure underpins parts of the joint offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/paymenttools
• LinkedInlinkedin.com/company/paymenttools

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 paymenttools