CASH4LESS
CASH4LESS (ayCash GmbH) is a German online payment terminal rental and processing provider serving SMB merchants in Germany and Austria, offering no-contract mobile and stationary terminals via the cashforless.de website with TeleCash/Fiserv infrastructure and transparent monthly plus transaction-based pricing.
- Company typePrivate
- Founded2008
- HeadquartersHomburg, Germany
- Headcount—
- GTM typeB2B
- OfferingServices
What CASH4LESS does
CASH4LESS is a German payment terminal rental and card payment processing provider operated by ayCash GmbH, headquartered in Bad Homburg v.d.H\u00f6he, Germany, and serving merchants in Germany and Austria. Founded in August 2008 and expanded into Austria in 2019, the company runs a lean, online-only direct-to-consumer model with no physical stores or field sales, sourcing customer orders through its cashforless.de website, an online terminal finder tool, a toll-free phone line, and a €100-per-referral customer program.
The product portfolio comprises mobile terminals (Verifone T650p, CCV A77, and CCV A920 smartPOS) and stationary terminals (Verifone T650c, CCV Base Next, and CCV Pad Next), all rented on a no-contract-term basis with monthly fees covering device rental, network service, advance replacement depot maintenance, and 24/7 technical hotline. Terminals operate on TeleCash (Fiserv/First Data) infrastructure and are certified to PCI PTS 5.x, DK TA 7.2, DC POS 3.0, and EMV standards, supporting girocard, major credit cards, and mobile wallets via ZVT and O.P.I. cash register interfaces.
CASH4LESS monetizes through recurring monthly rental fees (€2.99-€11.99 depending on model) plus transaction-based fees (€0.02 + 0.62% debit, €0.02 + 0.79% credit, €6.95 monthly fixed fee), targeting SMB segments including gastronomy, retail, mobile service providers, hotels, beauty, healthcare, and events. The company is managed by two Managing Directors (Torsten Philippi and Tobias von Meltzer), holds no external institutional investors, and differentiates on transparent all-inclusive pricing, no contract commitment, and a 90-day price guarantee.
CASH4LESS firmographics
Firmographics- Name
- CASH4LESS
- Legal name
- ayCash GmbH
- Website
- https://cashforless.de
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Short description
- CASH4LESS (ayCash GmbH) is a German online payment terminal rental and processing provider serving SMB merchants in Germany and Austria, offering no-contract mobile and stationary terminals via the cashforless.de website with TeleCash/Fiserv infrastructure and transparent monthly plus transaction-based pricing.
- Ownership category
- akta.pro rank
CASH4LESS industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- General Rental Centers (5323), Other Consumer Goods Rental (53228)
- SIC
- Finance Lessors (6172)
- akta.pro primary industry
- In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF)
Keywords
Where CASH4LESS is headquartered
LocationHeadquarters
- HQ city
- Homburg
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
CASH4LESS business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Supply Chain, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Terminal Rental (Miete): Monthly rental fee for payment terminals. The fee includes device rental, network service, depot maintenance with advance exchange, and 24/7 technical hotline. Prices vary by terminal model: stationary terminals from €2.99/month, mobile terminals from €5.99/month.
- Transaction Fees (Transaktionsgebühren): Per-transaction fees for each payment processed. Debit cards: €0.02 + 0.62% per transaction. Credit cards: €0.02 + 0.79% (1.50% for AMEX). An additional monthly fee of €6.95 covers data changes, chargebacks, and transaction searches.
- Credit Card Acquiring Facilitation: Facilitates credit card acceptance by mediating contracts between merchants and acquirers (merchant banks). While no upfront or monthly fees are charged for this service, the acquirer charges a discount rate (disagio) typically around 0.98% of transaction volume for Visa/Mastercard.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Stationary Terminal CCV Base Next - €2.99/month |
| Subscription | Monthly | Mobile Terminal Verifone T650p - €5.99/month |
| Unit Pricing | Pay-as-you-go | Mobile Terminal CCV A77 - Mobile only (no printer) |
| Subscription | Monthly | CCV A920 smartPOS - €11.99/month |
| Transaction based/ take rate | Monthly | Debit Card Transaction Fee |
| Transaction based/ take rate | Monthly | Credit Card Transaction Fee |
| Subscription | Monthly | Holiday Special Bundle |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels7 records
CASH4LESS product offering
Product offeringCore offering
CASH4LESS (operated by ayCash GmbH) rents mobile and stationary payment terminals to merchants in Germany and Austria, enabling acceptance of girocard, Visa, Mastercard, AMEX, Apple Pay, Google Pay, and other NFC-based payment methods. The monthly rental bundle includes device rental, network service on the TeleCash (Fiserv/First Data) infrastructure, depot maintenance with same-day advance replacement, and a 24/7 technical hotline. The company also facilitates credit card acquiring contracts and charges per-transaction fees.
Product overview
CASH4LESS (operated by ayCash GmbH) is a German payment terminal provider offering a focused portfolio of rental-based payment terminals and related services. The product lineup comprises two categories: mobile terminals (Verifone T650p, CCV A77, and CCV A920 smartPOS under the SMARTmobil sub-brand) for flexible use via WLAN/LTE, and stationary terminals (Verifone T650c, CCV Base Next, CCV Pad Next) for fixed cash register positions. All terminals are rented on a no-commitment basis with monthly fees covering device rental, network service (operated on TeleCash/Fiserv infrastructure), and depot maintenance with advance replacement. The range supports NFC contactless payments, girocard, SEPA, and credit card acceptance (with additional acquiring contract), and integrates with merchant POS systems via ZVT and O.P.I. cash register interfaces.
Differentiator
Problem solved
Functional benefit
Products and services
- CCV A920 smartPOS Terminal Rental Monthly rental of a mobile Android-based smartPOS terminal with WLAN, 4G/LTE and Bluetooth connectivity, integrated thermal printer, NFC contactless reader, and O.P.I./ZVT cash register interface compatibility. Targeted at merchants needing flexible mobile or stationary payment acceptance.
- Verifone T650p Terminal Rental Monthly rental of a versatile mobile and stationary payment terminal with WLAN and LTE SIM support, 5.5-inch HD touchscreen, integrated thermal printer, NFC contactless reader, and Android OS. Supports O.P.I. and ZVT cash register interfaces. Targeted at SMB merchants.
- CCV Base Next Terminal Rental Monthly rental of a stationary payment terminal with WLAN and LAN connectivity, 4-inch color touchscreen, PIN pad with privacy shield, and integrated thermal printer. Designed for fixed cash register locations with single-cable installation.
- CCV Pad Next Terminal Rental Monthly rental of a stationary payment terminal combining a PIN pad with privacy shield and a separate contactless reader, featuring a 4-inch touchscreen with stylus support, front camera for QR/barcode scanning, and multiple cash register interfaces.
- CCV A77 Terminal Rental Pay-as-you-go rental of a mobile Android payment terminal with WLAN and 4G/LTE support, integrated barcode/QR code scanner, and paperless E-Receipt functionality. No monthly fee; €0.05 per transaction. Targeted at low-volume merchants.
- Verifone T650c Terminal Rental Monthly rental of a stationary payment terminal with WLAN and LAN connectivity, 5.5-inch HD touchscreen, integrated thermal printer, NFC contactless reader, dual cameras, barcode/QR scanning, and Android-based OS. Targeted at merchants with fixed cash register positions.
- Credit Card Acquiring Facilitation Mediation service that connects merchants with acquirer banks for Visa, Mastercard, and AMEX acceptance at no additional cost to the merchant. The acquirer charges a discount rate of approximately 0.98% for Visa/Mastercard transactions.
- KONTOsave Service Service that aggregates all EC payments through an intermediary account at Volksbank Offenburg and transfers them as a single daily lump sum to the merchant's account. Enables merchants using direct banks without EC direct submission capability to accept card payments.
- Depot Maintenance (Advance Replacement Service) Service included in monthly rental where if a terminal defect is confirmed via hotline, a pre-configured replacement device is shipped the same day (if reported by 17:00) via DHL, arriving the next business day in approximately 95% of cases. Defective unit returned free of charge.
Quantifiable outcome
- Potential annual savings of up to €9,734 per year compared to standard market offerings
- +2 more outcomes
Companies that use CASH4LESS
Customer profileSegments7 records
Ideal customer profiles3 records
CASH4LESS technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
CASH4LESS partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- TeleCash from FiservcoreCASH4LESS terminals operate on the TeleCash (Fiserv/First Data) technical network infrastructure. TeleCash provides the payment gateway, authorization routing, and fund settlement services. This partnership provides access to Germany's major payment network with mirrored data centers, PCI certification, and 24/7 reliability.
- Acquirer / Händlerbanken (Merchant Banks)coreCASH4LESS mediates acquiring contracts between merchants and acquirer banks (e.g., for Visa, Mastercard, AMEX acceptance). Acquirers handle the financial settlement and risk management for international credit card transactions. CASH4LESS facilitates the application process at no additional cost to the merchant.
- VerifonecoreCASH4LESS offers Verifone T650c and T650p terminals - payment hardware manufactured by Verifone, a global leader in payment terminals. These Android-based terminals feature NFC contactless, integrated printers, and PCI PTS 5.x certification.
- CCV GroupcoreCASH4LESS offers CCV A77, CCV A920, CCV Base Next, and CCV Pad Next terminals - all manufactured by CCV Group, a European payment terminal provider. These include CCV's Android-based smartPOS devices and traditional PIN-pad terminals with contactless readers.
Scale indicators2 records
Recent moves8 records
Expansion highlights4 records
CASH4LESS competitors and assessment
Company assessmentDirect peers
- SumUp: Global SMB-focused payment terminal provider offering mobile card readers and POS hardware on a no-contract, low-fee model. Most direct competitor to CASH4LESS in the German SMB terminal segment, competing on similar simplicity and pricing.
- Zettle by PayPal: PayPal-owned mobile POS and card reader provider serving SMBs across Europe. Competes head-to-head with CASH4LESS in Germany with comparable hardware (mobile terminals), transparent per-transaction pricing, and no long-term contracts.
- Payone (Worldline): German payment service provider (now part of Worldline) offering card terminals and omnichannel payment solutions for SMBs and enterprises. Competes directly with CASH4LESS in stationary and mobile terminal segments for German merchants.
- Unzer: German-headquartered PSP offering payment terminals alongside e-commerce and merchant acquiring solutions. Direct competitor in the German SMB terminal market with similar girocard/credit card acceptance and merchant onboarding flows.
- Stripe Terminal: Stripe's physical payments product offering card terminals (incl. BBPOS WisePOS E) and integrated software for SMBs and platforms. Comparable in pricing transparency and software-first approach, though with stronger software ecosystem than CASH4LESS.
- Bezahlexperten: German online-focused terminal broker and PSP comparison/advisory service. Competes with CASH4LESS for price-sensitive German SMB merchants seeking transparent, contract-light terminal offerings.
Broad incumbents
- Nexi Germany (Concardis): One of Europe's largest payment service providers operating in Germany (formerly Concardis), serving merchants with terminals, acquiring, and full-stack payment solutions. Larger and broader portfolio than CASH4LESS, but competes directly in the SMB terminal segment.
- easycash (Deutsche Telekom): Long-standing German EC-cash terminal provider backed by Deutsche Telekom. Competes in stationary and mobile terminal rentals with broader telecom and merchant services bundling than CASH4LESS offers.
- Square (Block): Global SMB payments and POS provider offering hardware terminals bundled with a rich software suite (POS, payroll, banking). Competes for the same SMB merchant wallet as CASH4LESS, particularly in retail and gastronomy segments.
Emerging players
- CCV Group: European payment terminal manufacturer whose hardware (A77, A920, Base Next, Pad Next) CASH4LESS resells. Comparable in that CCV also sells terminals directly to merchants in some markets, representing both a partner and a partial competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
CASH4LESS compliance and trust
Trust signalCompliance5 records
CASH4LESS financial estimates
Financial estimateRevenue estimate
Valuation estimate
CASH4LESS leadership team
Management profileNumber of profiles
Profiles2 records
CASH4LESS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CASH4LESS 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 CASH4LESS
What does CASH4LESS do?
CASH4LESS (operated by ayCash GmbH) rents mobile and stationary payment terminals to merchants in Germany and Austria, enabling acceptance of girocard, Visa, Mastercard, AMEX, Apple Pay, Google Pay, and other NFC-based payment methods. The monthly rental bundle includes device rental, network service on the TeleCash (Fiserv/First Data) infrastructure, depot maintenance with same-day advance replacement, and a 24/7 technical hotline. The company also facilitates credit card acquiring contracts and charges per-transaction fees.
Is CASH4LESS a public or private company?
CASH4LESS is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CASH4LESS founded?
CASH4LESS was founded in 2008.
Where is CASH4LESS based?
CASH4LESS is headquartered in Homburg, Germany, in the Europe region.
How does CASH4LESS make money?
Three revenue lines are on record. Terminal Rental (Miete) is the primary driver. The others are transaction Fees (Transaktionsgebühren) and credit Card Acquiring Facilitation.
Who are CASH4LESS's main competitors?
Direct peers on record are SumUp, Zettle by PayPal, Payone (Worldline), Unzer, Stripe Terminal and Bezahlexperten. Broad incumbents are Nexi Germany (Concardis), easycash (Deutsche Telekom) and Square (Block). CCV Group is listed as an emerging player.
Does CASH4LESS have an API?
No public API is recorded for CASH4LESS.
What industry is CASH4LESS in?
CASH4LESS's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMADAF, In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless). Its NAICS code is 5323 and its SIC code is 6172.