LAVEGO
LAVEGO AG is a Munich-based, BaFin-licensed payment institution that provides PoS card acceptance infrastructure — including its proprietary PaySphere platform, terminals, and gateway services — to German retailers and to network operator partners across Europe.
- Company typePrivate
- Founded1994
- HeadquartersMünchen, Germany
- Headcount1–10
- GTM typeB2B
- OfferingServices
LAVEGO firmographics
Firmographics- Name
- LAVEGO
- Legal name
- LAVEGO AG
- Website
- https://lavego.de
- Company type
- Private
- Founded year
- 1994
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Short description
- LAVEGO AG is a Munich-based, BaFin-licensed payment institution that provides PoS card acceptance infrastructure — including its proprietary PaySphere platform, terminals, and gateway services — to German retailers and to network operator partners across Europe.
- Ownership category
- akta.pro rank
LAVEGO industry classification
Industry- Product category
- Payment Processing Services
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
Keywords
Where LAVEGO is headquartered
LocationHeadquarters
- HQ city
- München
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
LAVEGO business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Supply Chain, Marketing or Sales
Revenue model
- Payment Processing Services: LAVEGO processes card payments for merchants, handling girocard (the dominant card in Germany), international cards (Mastercard, Visa, American Express, Diners Club, JCB, UPI), and fleet/diesel cards. Revenue is generated through transaction fees for payment processing services.
- Terminal Sales: LAVEGO sells PoS terminals including stationary terminals, mobile terminals, and unattended terminals for vending machines. They offer both Linux-based and Android-based terminal options to merchants.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
LAVEGO product offering
Product offeringCore offering
LAVEGO is a BaFin-licensed German payment institution that provides card payment acceptance at the point of sale through its proprietary PaySphere platform. The company sells and supports PoS terminals (stationary, mobile, and unattended/vending), processes girocard and international card transactions (Mastercard, Visa, American Express, Diners Club, JCB, UPI) as well as diesel and fleet cards, and offers API-based credit card and fleet card gateway services to commercial and technical network operators.
Product overview
LAVEGO offers an integrated payment acceptance ecosystem built around its PaySphere platform. The portfolio comprises three hardware terminal categories (stationary, mobile, and unattended terminals) supporting various payment methods including German girocard, international credit cards (Mastercard, Visa, American Express, Diners Club, JCB, UPI), and fleet/diesel cards. The platform provides gateway services for credit card and fleet card processing, supplemented by backend services including Live Portal for monitoring, Sammelkonto for settlement, SaveComm for communication optimization, and SoftPOS for smartphone-based payments. The company operates as a payment institution regulated by BaFin under ZAG.
Differentiator
Problem solved
Functional benefit
Brands
- PaySphere: LAVEGO's proprietary payment platform for commercial and technical network operators, providing API-based payment processing solutions for retailers.
Products and services
- PaySphere Platform Modern, scalable, API-based payment platform developed independently by LAVEGO, with always-online connectivity and modern user interfaces. It is offered to commercial and technical network operators as the technical foundation for serving retailers with card payment solutions.
- Stationary PoS Terminals Fixed payment terminals installed permanently at the cash desk, connected by cable for power, Internet, and cash register integration; positioned as reliable fixed-location acceptance devices without battery or WiFi failure concerns. Includes Newland P300, CCV Nexus Pad A35, CCV Base Next, and Verifone V400 models.
- Mobile PoS Terminals Battery-powered payment terminals with WiFi and/or cellular connectivity designed for flexible retail, hospitality, and mobile use. Includes Newland N950 and N750, CCV A960 and A920, and Verifone T650p models, several of which run LAVEGO's proprietary Android terminal application.
- Unattended Terminals for Vending and Self-Service Payment terminals permanently installed in machine housings for unattended applications including vending machines, parking, EV charging, and transit. Supports indoor and outdoor use with temperature-resistant designs and ranges from compact PIN-less terminals to vandal-proof stainless steel devices, including Feig Electronic cVend and CCV IM-15/IM-30 models.
- Kartenabrechnung (Card Payment Processing) Card payment acceptance and settlement service for merchants, covering girocard, all major international card schemes (Mastercard, Visa, American Express, Diners Club, JCB, UPI), and diesel/fleet cards, with revenue generated through per-transaction processing fees.
- Kreditkarten-Gateway (Credit Card Gateway) API-equipped credit card gateway service enabling partners to process international card payments on their PoS terminals through LAVEGO's payment infrastructure.
- Flottenkarten-Gateway (Fleet Card Gateway) Gateway service that allows partners to accept diesel and fleet cards without maintaining their own fleet card processing infrastructure, leveraging LAVEGO's growing acceptance of fuel and fleet card schemes.
- SoftPOS Software-based point-of-sale solution that turns ordinary smartphones and tablets into card terminals for contactless payments, with girocard certification jointly achieved with Softpay.io in April 2025.
Quantifiable outcome
- Immediate terminal replacement for defects
- +2 more outcomes
Companies that use LAVEGO
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
LAVEGO technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
LAVEGO partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and flagship.
- Softpay.iocoreLAVEGO and Softpay offer SoftPOS solution including girocard certification, enabling ordinary smartphones and tablets to function as card terminals.
- myPOSflagshipmyPOS announced the acquisition of LAVEGO AG in March 2025. This acquisition is described as an important step for myPOS's expansion into the German market and enables integration of LAVEGO's PaySphere platform into myPOS solutions.
- NewlandcoreThe world's leading terminal manufacturer Newland and LAVEGO signed a Memorandum of Understanding (MoU) for close cooperation. LAVEGO has received nexoFAST certification and girocard certification for Newland N950 and N750 terminals.
- nexocorenexo is a European payment association whose protocol enables interoperability for terminal and card processing. LAVEGO achieved nexoFAST certification and supports the nexo standard for international card acceptance.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
LAVEGO competitors and assessment
Company assessmentDirect peers
- CCV GmbH: German payment processor and terminal manufacturer serving SMBs with PoS terminals and girocard processing. Directly comparable in customer base (German retailers, gas stations, vending), product mix (stationary/mobile/unattended terminals), and girocard scheme participation. LAVEGO actually resells CCV hardware, reflecting the deep overlap.
- SumUp: European mPOS and SoftPOS provider competing for the same small-merchant acceptance market. Strong in Germany via SumUp Air and SoftPOS offerings; competes head-to-head with LAVEGO's girocard-accepting terminals and Softpay.io partnership.
- Heidelpay (Unzer): German PSP/acquirer offering payment processing across e-commerce and PoS. Comparable to LAVEGO's gateway and acquiring services for SMBs, though heavier in online commerce than physical retail.
- myPOS Europe: Pan-European payment processor acquiring LAVEGO to enter Germany. Offers mPOS terminals, SoftPOS, and acquiring services to SMBs across the EU. Directly comparable in merchant acquiring, SoftPOS, and terminal distribution; LAVEGO is now a subsidiary but operates as a comparable product line.
Broad incumbents
- Nexi Group: European payments incumbent with acquiring and terminal businesses across multiple countries. Comparable to LAVEGO in PoS acquiring and unattended payment verticals, but operates at continental scale and offers bundled software and banking services.
- Adyen: Global unified payments platform offering acquiring, processing, and PoS solutions to enterprise and digital-first merchants. Comparable in API-based platform architecture and gateway services, but competes primarily with LAVEGO's partner/network-operator segment rather than SMB direct sales.
- Worldline (Germany): One of Europe's largest payment processors, with strong German acquiring and terminal estate. Overlaps LAVEGO across girocard acceptance, PoS terminals, and merchant services but at vastly larger scale and as part of a broader portfolio serving enterprise and SMB merchants.
- Concardis (Nets / Nexi Payments): German payment processor (now part of Nexi) historically dominant in girocard and unattended terminals. Closest traditional competitor to LAVEGO in gas station, retail, and unattended segments; much larger but increasingly facing the same SMB and SoftPOS disruption.
Others
- Verifone: Global terminal manufacturer whose hardware LAVEGO resells. Comparable as an ecosystem participant in PoS hardware, though Verifone's own payment-acceptance services compete with LAVEGO's gateway in some accounts.
- Feig Electronic: German unattended-terminal specialist (cVend line) used by LAVEGO for vending, parking, EV charging, and transit. Adjacent in the unattended-PoS category; competes indirectly where Feig partners with other acquirers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
LAVEGO social profiles
Digital presenceLAVEGO compliance and trust
Trust signalCompliance4 records
LAVEGO financial estimates
Financial estimateRevenue estimate
Valuation estimate
LAVEGO leadership team
Management profileNumber of profiles
Profiles3 records
LAVEGO funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LAVEGO 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 LAVEGO
What does LAVEGO do?
LAVEGO is a BaFin-licensed German payment institution that provides card payment acceptance at the point of sale through its proprietary PaySphere platform. The company sells and supports PoS terminals (stationary, mobile, and unattended/vending), processes girocard and international card transactions (Mastercard, Visa, American Express, Diners Club, JCB, UPI) as well as diesel and fleet cards, and offers API-based credit card and fleet card gateway services to commercial and technical network operators.
Is LAVEGO a public or private company?
LAVEGO is a private company. It is classified as corporate owned and is currently acquired.
When was LAVEGO founded?
LAVEGO was founded in 1994. It employs 1 to 10 people.
Where is LAVEGO based?
LAVEGO is headquartered in München, Germany, in the Europe region.
How does LAVEGO make money?
Two revenue lines are on record. Payment Processing Services are the primary driver. The others are terminal Sales.
Who are LAVEGO's main competitors?
Direct peers on record are CCV GmbH, SumUp, Heidelpay (Unzer) and myPOS Europe. Broad incumbents are Nexi Group, Adyen, Worldline (Germany) and Concardis (Nets / Nexi Payments). Others are Verifone and Feig Electronic.
Does LAVEGO have an API?
No public API is recorded for LAVEGO.
What industry is LAVEGO in?
LAVEGO's product category is Payment Processing Services. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure.