cashpresso
cashpresso is a Vienna-based digital lending platform operated by Raiffeisen Bank International, offering Austrian consumers revolving credit up to €7,000, 30-day invoice, and three-installment payment options at partner retailers via mobile app and Bluecode integration.
- Company typePublic
- Founded2015
- HeadquartersVienna, Austria
- Headcount11–50
- GTM typeB2C
- OfferingServices
What cashpresso does
Cashpresso is a Vienna-based digital consumer lending brand operated by Raiffeisen Bank International AG (RBI), one of Austria's largest banking groups with operations across Central and Eastern Europe and approximately 16.8 million customers. The platform, founded in 2015, serves Austrian consumers with three principal products: Flexible Ratenzahlung, a revolving credit line of up to €7,000 with monthly minimum repayments starting at 3% (minimum €3); Rechnung, a 30-day interest-free invoice product capped at €1,000 and available only at partner shops; and Teilzahlung, a three-installment interest-free plan capped at €1,500. A Cashout feature allows borrowers to transfer funds from their revolving line to their own bank account, and a Bluecode integration extends the credit facility to in-store mobile payments at thousands of Austrian retailers.
The technical platform is delivered through iOS and Android apps and a web portal, with fully digital onboarding in roughly five minutes via ID Austria or Video-Ident identity verification and digital contract signing. Interest is charged at 13.99% p.a. after interest-free periods (60 days at partner shops, 30 days for invoice purchases), with no account, maintenance, or early-repayment fees. The service is distributed via direct-to-consumer digital channels and a network of partner merchants in electronics, telecom, fitness, HVAC, household goods, and automotive verticals; supplementary features include a €50-per-friend referral program capped at five invites.
Cashpresso operates under RBI's banking license and Austrian FMA/European Central Bank supervision. The company does not disclose standalone revenue and has no external funding; its growth is funded by its parent. The brand has received the Banking Check 'Bester Paymentdienst' recognition for four consecutive years and holds the Austrian E-Commerce-Gütezeichen, and it carries a 4.8/5 eKomi customer rating. Strategic positioning is that of a digital-first consumer credit overlay on a regulated Austrian bank, focused on small-ticket revolving and BNPL lending rather than a standalone challenger-bank model.
cashpresso firmographics
Firmographics- Name
- cashpresso
- Legal name
- Raiffeisen Bank International AG
- Website
- https://cashpresso.com
- Company type
- Public
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- cashpresso is a Vienna-based digital lending platform operated by Raiffeisen Bank International, offering Austrian consumers revolving credit up to €7,000, 30-day invoice, and three-installment payment options at partner retailers via mobile app and Bluecode integration.
- Ownership category
- akta.pro rank
cashpresso industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Sales Financing (522220), Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
- akta.pro secondary industry
- Cash Advance (Online & Storefront) (FSAKAMAC)
Keywords
Where cashpresso is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- Austria
- HQ region
- Europe
Offices1 record
Markets served
cashpresso business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Primary revenue from interest charged on revolving credit balances. Standard rate of 13.99% p.a. applies after interest-free periods. 0% interest for 60 days at partner shops or 30 days for invoice purchases.
- Partnership/Merchant Fees: Revenue from partnerships with merchant shops where cashpresso financing is offered. Merchants pay transaction fees for processed installments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Flexible Ratenzahlung (Revolving Credit) - up to €7,000 |
| Usage-based | Pay-as-you-go | Rechnung (Invoice) - up to €1,000 |
| Transaction based/ take rate | Pay-as-you-go | Teilzahlung (Installment) - up to €1,500 |
| Usage-based | Monthly | Bluecode Mobile Payment |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
cashpresso product offering
Product offeringCore offering
cashpresso is a digital consumer lending platform operated by Raiffeisen Bank International AG that offers revolving credit up to €7,000 (Flexible Ratenzahlung), 30-day interest-free invoice financing up to €1,000 (Rechnung), and 3-installment interest-free plans up to €1,500 (Teilzahlung). Austrian consumers use these products to shop at partner merchants, withdraw cash to their bank accounts, or make in-store mobile payments via the Bluecode network, with fully digital onboarding completed in approximately 5 minutes.
Product overview
cashpresso is a digital lending platform operated by Raiffeisen Bank International offering three main products: Flexible Ratenzahlung (revolving credit up to €7,000 with flexible repayments), Rechnung (30-day interest-free invoice for purchases up to €1,000), and Teilzahlung (3-installment interest-free plan up to €1,500). The platform enables users to shop at partner merchants, withdraw cash, or pay via Bluecode mobile payment. Additional features include cashout functionality and the Daikin Online-Kredit for HVAC financing. All products are fully digital with online registration, identity verification, and contract signing.
Differentiator
Problem solved
Functional benefit
Brands
- Flexible Ratenzahlung: Revolving credit product with credit limits up to €7,000, 0% interest periods at partner shops, and flexible monthly repayments starting at 3% of outstanding balance.
- Rechnung
- Teilzahlung
Products and services
- Flexible Ratenzahlung (Flexible Installment Payment) A revolving credit line offered to Austrian consumers via the cashpresso mobile app and website, providing up to €7,000 of credit that can be drawn repeatedly as it is repaid. Used for purchases at partner shops or for direct cash withdrawals to the customer's bank account. The first 2 months are interest-free at partner merchants; thereafter a variable rate of 13.99% p.a. applies, with monthly minimum repayments of 3% of the outstanding balance (minimum €3).
- Rechnung (Invoice) A buy-now-pay-later invoice product for purchases up to €1,000 available exclusively at partner shops in Austria. Customers receive their items and have 30 days interest-free to decide what to keep, paying only for items retained. Designed for consumers who want to try products at home before committing to full payment.
- Teilzahlung (Installment Payment) A 3-installment interest-free payment plan for purchases up to €1,500 at partner shops in Austria. Customers split payment across 3 monthly installments with no interest and no fees, and only pay for items they keep after trying at home.
- Daikin Online-Kredit An exclusive online credit product offered in partnership with Daikin Austria for the purchase of heat pumps and air conditioning systems through the Daikin Flagship-Store. Provides promotional financing terms to consumers for HVAC equipment at the partner merchant.
Quantifiable outcome
- 4.8/5 customer satisfaction rating on eKomi
- +1 more outcomes
Companies that use cashpresso
Customer profileNamed customers8 records
Segments2 records
Ideal customer profiles2 records
cashpresso technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature4 records
cashpresso partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Bluecode GmbHcoreBluecode integration enables cashpresso users to pay with their phone at thousands of physical retail locations in Austria, including Billa, Billa Plus, Spar, Müller, Rossmann, and Kaufland. Users show a barcode in the cashpresso app which is scanned at checkout, with amounts deducted from their cashpresso credit limit.
- electronic4youminorAustrian electronics retailer offering cashpresso flexible installment payments for consumer electronics and appliances.
- McSHARKminorApple Premium Reseller in Austria offering cashpresso flexible installment payments for iPhones, iPads, Macs, and other Apple products.
- spusuminorAustrian mobile operator offering cashpresso flexible installment and invoice payment options for mobile phones and routers.
- Daikin AustriaminorDaikin flagship store offering heat pumps and air conditioning with exclusive cashpresso online credit promotion.
- FITSHOPminorFitness equipment retailer (Europe's No. 1 for home fitness) offering cashpresso flexible installment payments for fitness equipment and accessories.
- HaushaltsparadiesminorAustrian online shop for household accessories, appliances, and kitchen equipment offering all cashpresso payment products including flexible installments, invoice, and Teilzahlung.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
cashpresso competitors and assessment
Company assessmentDirect peers
- Younited Credit: European consumer lending platform offering personal loans and revolving credit directly to consumers via a digital-only process. Comparable to cashpresso's revolving credit line and digital onboarding flow, with multi-country European reach.
- Ratepay: Berlin-based BNPL provider offering invoice, installment, and direct debit payment methods for German and Austrian merchants. Operates a white-label model similar to cashpresso's partner-shop financing approach, making it a strong DACH-region comparable.
- Billie: Berlin-based BNPL fintech serving merchants with pay-later solutions including invoice and installment payments. Comparable to cashpresso's partner-shop BNPL and revolving credit products, with similar DACH merchant focus.
- Scalapay: Italian-origin BNPL platform offering pay-in-3 installments at retail merchants, now expanding across Europe. Comparable to cashpresso's Teitzahlung product in terms of merchant-integrated installment credit for consumer purchases.
- Riverty: Bertelsmann-owned European BNPL and consumer credit provider offering invoice, installment, and account-to-account payments across multiple European markets. Directly comparable business model to cashpresso's Teitzahlung, Rechnung, and revolving credit products.
- Afterpay (Block): BNPL pioneer offering pay-in-4 installment plans at retail merchants. Now part of Block Inc., Afterpay competes directly with cashpresso's installment and invoice products, though its geographic focus is Australia/US/UK rather than DACH.
- Klarna: Swedish BNPL and consumer credit platform offering pay-in-X, pay-in-30, and revolving credit through merchant integrations and a mobile app. Closest direct competitor to cashpresso's revolving credit, invoice, and installment model, though Klarna operates globally and at much larger scale.
Broad incumbents
- Santander Consumer Finance: Large European consumer finance arm of Santander Group offering auto, household, and personal loans plus credit cards across multiple European markets. Comparable to cashpresso as a bank-backed consumer credit provider, though at much larger scale and broader product scope.
- Cofidis: European consumer credit specialist (Crédit Mutuel group) offering installment loans, revolving credit, and BNPL across multiple countries including partnerships with retailers. Broader incumbent comparable to cashpresso's consumer credit and partner-shop financing model.
Regional players
- easybank (BAWAG Group): Austrian direct bank owned by BAWAG Group offering consumer loans, credit cards, and installment products to Austrian customers. Domestic Austrian peer operating in the same regulatory and competitive market as cashpresso, offering similar consumer credit products through digital channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
cashpresso social profiles
Digital presencecashpresso compliance and trust
Trust signalCompliance3 records
cashpresso financial estimates
Financial estimateRevenue estimate
Valuation estimate
cashpresso leadership team
Management profileNumber of profiles
cashpresso funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
cashpresso 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 cashpresso
What does cashpresso do?
cashpresso is a digital consumer lending platform operated by Raiffeisen Bank International AG that offers revolving credit up to €7,000 (Flexible Ratenzahlung), 30-day interest-free invoice financing up to €1,000 (Rechnung), and 3-installment interest-free plans up to €1,500 (Teilzahlung). Austrian consumers use these products to shop at partner merchants, withdraw cash to their bank accounts, or make in-store mobile payments via the Bluecode network, with fully digital onboarding completed in approximately 5 minutes.
Is cashpresso a public or private company?
cashpresso is a public company. It is classified as corporate owned and is currently operating.
When was cashpresso founded?
cashpresso was founded in 2015. It employs 11 to 50 people.
Where is cashpresso based?
cashpresso is headquartered in Vienna, Austria, in the Europe region.
How does cashpresso make money?
Two revenue lines are on record. Interest Income is the primary driver. The others are partnership/Merchant Fees.
Who are cashpresso's main competitors?
Direct peers on record are Younited Credit, Ratepay, Billie, Scalapay, Riverty, Afterpay (Block) and Klarna. Broad incumbents are Santander Consumer Finance and Cofidis. easybank (BAWAG Group) is listed as a regional player.
Does cashpresso have an API?
No public API is recorded for cashpresso.
What industry is cashpresso in?
cashpresso's product category is Consumer Lending. Its primary akta.pro industry code is BPAMAFAF, Bill Pay, Invoicing & Payables Platforms, with a secondary code of FSAKAMAC, Cash Advance (Online & Storefront). Its NAICS code is 522220 and its SIC code is 6141.