Better Payment
Better Payment Germany GmbH operates a modular payment gateway for German and European e-commerce merchants and aspiring PSPs, offering 30+ payment methods, white-label gateway infrastructure, customizable invoice payment pages via JetztZahlen, and integrated risk management through a REST API.
- Company typePrivate
- Founded2020
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Better Payment does
Better Payment Germany GmbH operates a modular payment gateway platform headquartered in Berlin, Germany, targeting e-commerce merchants and aspiring payment service providers (PSPs) primarily in the DACH region with broader European and selective Brazilian coverage. The company's core offering is a unified gateway that mediates and manages both online and offline (POS terminal) payment acceptance, supporting 30+ payment methods including credit cards, SEPA direct debit, PayPal, Apple Pay, Google Pay, regional European methods (iDEAL, Bancontact, BLIK, eps, Przelewy24), Buy Now Pay Later via Creditreform factoring, Santander installments, Wero via Deutsche Bank, and Brazilian Boleto/PIX through Banco Bs2. The gateway is accessible via a comprehensive REST API (with idempotency, BASIC AUTH and legacy Checksum authentication, and webhook notifications) and through Sellxed-distributed plugins for more than 15 online shop systems. Adjacent products include JetztZahlen customizable payment pages for invoice and donation collection, a White Label solution that lets partners deploy a dedicated branded gateway instance to operate as PSPs, network tokenization via Visa and Mastercard, and a risk management module built around a proprietary decision engine for fraud scoring.
Better Payment monetizes primarily through transaction fees on processed payments, supplemented by white-label licensing arrangements with partner PSPs, and likely subscription or transaction-based pricing for JetztZahlen and risk management services. Pricing is quote-based and not publicly disclosed, consistent with a hybrid GTM combining API-first self-serve for technical merchants, SMB self-service via Sellxed plugins, and field sales for enterprise and white-label deals. Customer segmentation is horizontal across e-commerce merchants of all sizes, white-label partners, invoice/receivables management users, and enterprise clients requiring high-volume API integration; no named customer logos are publicly disclosed.
The company is privately held with 11-50 employees, has not disclosed any venture funding rounds or acquisitions, and operates without disclosed revenue. Founded circa 2013 (firmographic record) or 2020 (company history record — discrepancy in source data), Better Payment Germany GmbH is led by founder and managing director Bjorne Bahre. The company's strategic posture is that of a focused regional payment infrastructure provider competing in a crowded European market against Stripe, Adyen, and larger German PSPs by emphasizing breadth of local payment methods, white-label channel enablement, and integrated risk and receivables tooling rather than scale or AI differentiation.
Better Payment firmographics
Firmographics- Name
- Better Payment
- Legal name
- Better Payment Germany GmbH
- Website
- https://betterpayment.de
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Better Payment Germany GmbH operates a modular payment gateway for German and European e-commerce merchants and aspiring PSPs, offering 30+ payment methods, white-label gateway infrastructure, customizable invoice payment pages via JetztZahlen, and integrated risk management through a REST API.
- Ownership category
- akta.pro rank
Better Payment industry classification
Industry- Product category
- Payment Gateway / Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Payment Orchestration Platforms (FSAGABAA), Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG), Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where Better Payment is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Better Payment business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Payment Processing Transaction Fees: Revenue generated from processing online payment transactions for merchants. The gateway supports multiple payment methods and charges transaction fees per payment processed through the platform.
- White Label Gateway Licensing: White label solution allowing partners to become payment service providers with dedicated gateway instances. Revenue likely generated through licensing fees or higher transaction margins when operating as the merchant of record.
- JetztZahlen Subscription: Payment page solution for invoice and bill payment that requires activation through support. Likely operates on a subscription or transaction basis for customizable payment pages.
- Installment/BNPL Processing: Revenue from installment payment processing through Santander Bank partnerships and Buy Now Pay Later services via Creditreform factoring arrangements.
- Risk Management Services: Fraud protection and risk scoring services integrated into the payment gateway to minimize payment defaults for merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom enterprise pricing based on merchant requirements |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Better Payment product offering
Product offeringCore offering
Better Payment operates a comprehensive online and offline payment gateway that processes transactions for merchants across multiple payment methods including credit cards, SEPA, PayPal, Apple Pay, Google Pay, and regional European methods. The platform features an integrated decision engine for fraud prevention, a white-label solution enabling partners to become payment service providers, and the JetztZahlen product for customizable invoice and donation payment pages.
Product overview
Better Payment offers a modular payment gateway platform for German and European e-commerce, consisting of the core Online & Offline Payment gateway, White Label solution for payment service providers, JetztZahlen customizable payment pages, Risk Management fraud protection, Receivables Management for collection and factoring, Subscription Payments, and Platform Payments. The platform integrates over 25+ payment methods including credit cards, SEPA direct debit, PayPal, Apple Pay, Google Pay, Buy Now Pay Later, installments, and various European local payment methods. All functionality is accessible via a comprehensive REST API with supporting Checkout API and Network Tokenization API modules.
Differentiator
Problem solved
Functional benefit
Brands
- JetztZahlen: Customizable payment pages for online payment of invoices, overdue bills, or donations
Products and services
- Better Payment Gateway (Online & Offline Payment) Comprehensive payment gateway accepting more than eight popular online payment methods with integrated POS terminal payments for stationary retail, providing unified visibility across online and offline channels for e-commerce merchants and businesses.
- White Label Payment Gateway White label solution enabling partners to become payment service providers with a dedicated gateway instance in their own branding and look and feel, making it easier to enter the payment services business field.
- JetztZahlen Customizable payment pages for invoice payments, overdue bills, or donations. Enables businesses to reduce outstanding payments by offering branded landing pages where customers can search and pay by invoice number or reference, with CSV import, email import, and API integration.
- Receivables Management Tailored receivables management solutions for collection and factoring to reduce process costs and minimize payment defaults for merchants.
- Better Payment REST API Full-featured REST API providing complete payment gateway functionality including payment processing, authorizations, captures, reversals, refunds, payouts, precheck, registration, mandate reference, cancellation, revisal, transaction management, checkout, JetztZahlen management, payment plans, and network tokenization endpoints.
Companies that use Better Payment
Customer profileSegments4 records
Ideal customer profiles3 records
Better Payment technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature8 records
Better Payment partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- SellxedcoreSellxed provides payment plugins optimized for more than 15 online shop systems, enabling easy integration of Better Payment's gateway into various e-commerce platforms. This partnership extends Better Payment's distribution reach to merchants using different shop systems without custom development.
- Santander BankcoreSantander Bank provides installment payment processing for German residents through Better Payment's platform. Amounts must be over 99 EUR and merchants must have a specific Santander contract. Supports 3, 6, 9, 12, 15, and 18-month installment plans with automatic payment triggering by the bank.
- Creditreform (CUBE Riskcheck)coreCreditreform provides Buy Now Pay Later (BNPL) factoring services through their CUBE Riskcheck system. After successful risk assessment, Creditreform purchases the receivable, takes on the associated risk, and pays out the merchant. This enables BNPL payment method for merchants with active Creditreform factoring contracts.
- PayPalcorePayPal integration enables redirect-based payment processing through PayPal's platform. Better Payment also supports PayPal Subscriptions for recurring payments where PayPal controls payment triggering rather than the merchant.
- Apple PaycoreApple Pay integration allows merchants to accept payments from iOS, iPadOS, and Safari. Supports both standard Apple Pay token passing and server-to-server direct processing for merchants managing their own Apple Pay certificates.
- Google PaycoreGoogle Pay support via Better Payment's managed payment page. Merchants enable Google Pay through account configuration; Better Payment handles all Google Pay tokenization and integration without merchant-side development.
- Visa (Network Tokenization)coreVisa network tokenization through Visa Token Service (VTS) enables card-on-file tokenization for improved authorization rates and security. Better Payment provisions and manages Visa tokens for merchant use.
- Mastercard (Network Tokenization, AiiA)coreMastercard provides network tokenization (via SCOF) and AiiA open banking platform for payment processing. AiiA enables redirect-based payments similar to PayPal for Mastercard-issuing banks across Europe.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Better Payment competitors and assessment
Company assessmentDirect peers
- Mollie: Amsterdam-based payment gateway offering a broad suite of European local payment methods and developer-friendly APIs to SMB and mid-market merchants. Directly comparable as a European regional multi-method gateway competing for the same DACH and broader EU merchant segment.
- Computop: German payment gateway and white-label PSP provider serving global merchants with fraud prevention and a wide range of payment methods. Direct competitor in the DACH market with overlapping product set including white label, gateway and risk management.
- Novalnet: German payment service provider offering subscription billing, risk management and multi-method payment processing for European e-commerce. Comparable scope (payment gateway plus risk, subscription and receivables features) and similar DACH SMB focus.
- Heidelpay (Nexi): German payment gateway serving DACH and European merchants with multi-method processing, white-label capabilities and risk services. Now within the Nexi group but historically a direct local competitor to Better Payment.
- Unzer: German-headquartered payment service provider offering gateway, acquiring and risk services across DACH and broader Europe. Comparable in geography, customer base and product scope, with similar SMB and mid-market focus.
Broad incumbents
- PAYONE (Worldline): Large European payment service provider within Worldline, offering omnichannel payment processing for German and international merchants. Competes directly in DACH but as part of a much broader enterprise payments portfolio.
- Concardis (Nexi Group): German payment service provider now part of Nexi, offering card acceptance and gateway services to DACH merchants. Comparable gateway functionality but embedded within a large European payments incumbent.
- Stripe: Global payment gateway and processing platform offering comprehensive APIs, broad payment method coverage and integrated risk. Competes with Better Payment across the German and European e-commerce segment as the dominant global alternative.
- Adyen: Global payment platform providing unified online, mobile and in-store payment processing with extensive European method coverage. Competes for the same enterprise and mid-market merchants as Better Payment, with far greater scale and global reach.
- Checkout.com: Global cloud-based payment processor offering gateway services, fraud tools and broad method coverage to enterprise merchants. Competes for cross-border European volume and benchmark pricing against Better Payment's enterprise offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Better Payment social profiles
Digital presenceBetter Payment financial estimates
Financial estimateRevenue estimate
Valuation estimate
Better Payment leadership team
Management profileNumber of profiles
Profiles1 record
Better Payment funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Better Payment 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 Better Payment
What does Better Payment do?
Better Payment operates a comprehensive online and offline payment gateway that processes transactions for merchants across multiple payment methods including credit cards, SEPA, PayPal, Apple Pay, Google Pay, and regional European methods. The platform features an integrated decision engine for fraud prevention, a white-label solution enabling partners to become payment service providers, and the JetztZahlen product for customizable invoice and donation payment pages.
Is Better Payment a public or private company?
Better Payment is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Better Payment founded?
Better Payment was founded in 2020. It employs 11 to 50 people.
Where is Better Payment based?
Better Payment is headquartered in Berlin, Germany, in the Europe region.
How does Better Payment make money?
Five revenue lines are on record. Payment Processing Transaction Fees are the primary driver. The others are white Label Gateway Licensing, jetztZahlen Subscription, installment/BNPL Processing and risk Management Services.
Who are Better Payment's main competitors?
Direct peers on record are Mollie, Computop, Novalnet, Heidelpay (Nexi) and Unzer. Broad incumbents are PAYONE (Worldline), Concardis (Nexi Group), Stripe, Adyen and Checkout.com.
Does Better Payment have an API?
Yes. Better Payment offers a comprehensive REST API for payment processing. The API supports multiple authentication methods including BASIC AUTH and legacy Checksum authentication. Available endpoints include: Payment API, Authorization API, Capture API, Reversal API, Registrations API, Refund API, Payout API, Precheck API, Mandate Reference API, Cancellation API, Revisal API, Payment Method Info API, Transactions API, Checkout API, Jetztzahlen Import API, Jetztzahlen Invoice API, Jetztzahlen Channels API, Jetztzahlen Payment Plans API, and Network Tokenization API. The API supports idempotency via X-Idempotency-Key header for safe retries. Test and production environments are available. Developer documentation is at testdashboard.betterpayment.de/docs.
What industry is Better Payment in?
Better Payment's product category is Payment Gateway / Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAGABAA, Payment Orchestration Platforms. Its NAICS code is 522320 and its SIC code is 6159.