Secupay
secupay AG is a BaFin-licensed German payment service provider offering integrated e-commerce, point-of-sale, and platform payment processing via the secuconnect API, serving SMB merchants, marketplaces, and government clients across the DACH region.
- Company typePrivate
- Founded2000
- HeadquartersPulsnitz, Germany
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Secupay does
secupay AG is a BaFin-licensed German payment service provider headquartered in Pulsnitz, founded circa 2000 by Hans-Peter Weber. The company operates an integrated payment processing platform spanning e-commerce, point-of-sale, and specialized platform solutions, and is positioned in press coverage (FAZ) as Germany's largest owner-managed payment services provider after 25 years of continuous operation. Its core technology includes the secuconnect API platform, a Smart Checkout product with integrated risk management, pre-built payment plugins for 10+ e-commerce platforms (Shopware, WooCommerce, Magento, PrestaShop, OXID, Gambio, JTL, modified eCommerce, OScommerce, xt:Commerce), a portfolio of POS card terminals (Move 3500/5000, Desk 3500/5000, Link/2500), and specialized modules for marketplaces (payment splitting), crowdfunding/crowdinvesting (capital gains tax withholding), and token offerings (blockchain payment infrastructure).
The company's go-to-market combines direct sales consultation for enterprises, self-service via the secuOffice merchant portal for SMBs, channel distribution through e-commerce platform plugins, and API-first integration via the secuconnect developer portal. Revenue is generated through transaction fees on processed payments, POS terminal hardware sales and rentals with premium service packages, and subscription services for loyalty and e-commerce solutions, with tiered pricing for startups versus large enterprises (specific pricing not publicly disclosed). Customers span German SMB e-commerce merchants, mid-market retail businesses, marketplace and crowdfunding platforms, and government clients — notably the SocialCard refugee benefit disbursement contract won in partnership with Publ°k GmbH. The company is privately held and founder-owned with 1-10 employees, and holds PCI DSS, ISO 27001, TISAX, and ZAG regulatory certifications.
Secupay firmographics
Firmographics- Name
- Secupay
- Legal name
- secupay AG
- Website
- https://secupay.ag
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- secupay AG is a BaFin-licensed German payment service provider offering integrated e-commerce, point-of-sale, and platform payment processing via the secuconnect API, serving SMB merchants, marketplaces, and government clients across the DACH region.
- Ownership category
- akta.pro rank
Secupay industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Payouts, Disbursements & Marketplace Split Payments (CRAFALAI), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where Secupay is headquartered
LocationHeadquarters
- HQ city
- Pulsnitz
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Secupay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Payment Transaction Processing: secupay generates revenue through transaction fees on processed payments across e-commerce and point-of-sale channels. The company charges merchants a percentage or fixed fee per successful transaction processed through their payment infrastructure.
- POS Terminal Sales and Rental: Revenue from sale and rental of card payment terminals (Move 3500, Move 5000, Desk 3500, Desk 5000, Link/2500) with associated premium service packages.
- E-commerce Plugin and Subscription Services: Revenue from shop modules, payment plugins, and smart checkout solutions. The company offers pricing packages tailored for startups and large enterprise players.
- Platform and Marketplace Solutions: Specialized payment processing services for marketplaces, crowdfunding, crowdinvesting, and token offering platforms with features like payment splitting and automated tax handling.
- Loyalty and Customer Retention Solutions: secucard loyalty solutions including digital vouchers, gift cards, and customer loyalty programs for omnichannel customer retention.
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Secupay product offering
Product offeringCore offering
Secupay AG is a BaFin-licensed German payment service provider that delivers integrated omnichannel payment processing for merchants across e-commerce, point-of-sale, and platform-based business models. The company provides Smart Checkout, payment plugins for major e-commerce platforms, card terminals, marketplace payment splitting, and loyalty solutions through its secuconnect API. It also offers specialized payment infrastructure for crowdfunding, crowdinvesting, and token offering platforms with automated tax handling.
Product overview
Secupay is a BaFin-licensed payment service provider offering an integrated payment ecosystem with solutions for e-commerce (Smart Checkout, payment plugins, subscriptions, mobile commerce), point-of-sale (card terminals, MOTO, premium service), and platforms (marketplaces, crowdinvesting, crowdfunding, token offerings). The company provides omnichannel payment processing across a single API, supporting multiple payment methods (credit cards, PayPal, SEPA direct debit, invoice purchase, prepayment) and complementary services including voucher/loyalty programs (secucard), SocialCard for government benefits, KYC onboarding, and cash register integration. The secuconnect developer portal enables API-based integration with pre-built plugins for major e-commerce platforms.
Differentiator
Problem solved
Functional benefit
Brands
- secuconnect: Developer portal providing SDKs, API documentation, and integration guides for secupay payment solutions.
- secuOffice
- secucard
- SocialCard
Products and services
- Smart Checkout Streamlined checkout solution for e-commerce offering 1-click payments with integrated risk management and fraud prevention, supporting credit cards, PayPal, SEPA direct debit, invoice payments, and prepaid payments.
- Payment Plugins and Shop Modules Pre-built payment plugins for major e-commerce platforms including WooCommerce, Shopware, Magento, PrestaShop, Gambio, JTL Shop, OXID eSales, Modified eCommerce, OSCommerce, and xt:Commerce.
- Paymentlink Link-based payment solution allowing merchants to send payment links via email, SMS, or messaging apps for seamless transaction completion.
- Subscriptions (Abonnements) Recurring payment solution for subscription-based business models, handling automated billing and payment collection.
- Mobile Commerce Payment solutions optimized for mobile commerce transactions and in-app purchases.
- Terminal Move 3500 Mobile card terminal for point-of-sale payments with wireless connectivity.
- Terminal Move 5000 Mobile card terminal with advanced features for point-of-sale transactions.
- Terminal Desk 3500 Countertop card terminal for stationary point-of-sale use.
- Terminal Desk 5000 Countertop card terminal with enhanced functionality for point-of-sale environments.
- Terminal Link/2500 Card terminal with cash register integration for seamless POS connectivity.
- Premium Service Comprehensive terminal service including equipment provision, maintenance, and support for point-of-sale operations.
- MOTO (Mail Order/Telephone Order) Payment processing solution for mail orders and telephone orders, enabling secure email and phone transaction handling.
- Marketplace Solutions Payment infrastructure for marketplace platforms handling complex payment flows, mixed shopping carts, and payment splitting among stakeholders.
- Crowdinvesting Payments Payment solutions for crowdinvesting platforms, including automated capital gains tax processing.
- Crowdfunding Payments Payment processing for crowdfunding campaigns and platform operations.
- Token Offering Blockchain-based payment solutions for token offerings and cryptocurrency investment platforms.
- KYC/Onboarding Know Your Customer identity verification and merchant onboarding service for regulatory compliance.
- SocialCard Specialized payment card solution for refugees, providing secure payment processing for government benefits distribution; technical partnership with Publ°k GmbH.
- secucard Loyalty and Vouchers Digital voucher and loyalty program solutions for customer retention, available omnichannel across online and offline channels.
- secuOffice Merchant dashboard and back-office portal for managing transactions, settlements, and payment operations.
Quantifiable outcome
- Cost savings: Cashless payment reduces costs by approximately 3% of revenue compared to cash handling
Companies that use Secupay
Customer profileNamed customers9 records
Segments6 records
Ideal customer profiles5 records
Secupay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature9 records
Secupay partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Shopwarecoresecupay offers a native payment plugin for Shopware, one of Germany's leading e-commerce platforms. This integration allows Shopware merchants to easily add secupay payment processing to their online stores.
- WooCommercecoresecupay provides a payment plugin for WooCommerce WordPress-based online shops, enabling WordPress e-commerce merchants to accept payments through secupay's payment infrastructure.
- Magento (Adobe Commerce)coresecupay offers a Magento extension for payment processing, targeting enterprise-level e-commerce merchants on the Magento/Adobe Commerce platform.
- PrestaShopcoresecupay provides a payment module for PrestaShop, enabling PrestaShop merchants to integrate secupay payment solutions into their online stores.
- OXID eSalescoresecupay offers a payment plugin for OXID eSales enterprise e-commerce platform, targeting German enterprise merchants using OXID for their online shops.
- Gambio Softwarecoresecupay provides a shop module for Gambio, one of the popular German e-commerce platforms, enabling Gambio merchants to process payments through secupay.
- JTL Shopcoresecupay offers a payment provider module for JTL Shop, a leading German e-commerce solution, allowing JTL merchants to accept secupay payments.
- modified eCommercecoresecupay provides payment integration for modified eCommerce (formerly xt:Commerce Modified), a German e-commerce platform.
- SocialCard / Publ°k GmbHcoresecupay serves as technical partner for SocialCard project, a government contract winning payment card solution for refugees in Germany. secupay provides the technical infrastructure for the disbursement card system.
- secucard (Loyalty Division)coresecucard is the loyalty and customer retention division of secupay, offering digital voucher and loyalty program solutions. This is an internal strategic business unit rather than an external partnership.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Secupay competitors and assessment
Company assessmentDirect peers
- Unzer (formerly Heidelpay): Unzer is a German-headquartered full-stack PSP covering e-commerce, POS, and marketplaces, directly comparable in product breadth, regulatory posture (BaFin supervised), and target market overlap with secupay.
- ConCardis (Nets): ConCardis is a German-focused payment service provider specializing in card acceptance and POS terminal services, a direct competitor to secupay's POS terminal and card processing business.
- Computop: Computop is a Germany-based payment service provider focused on e-commerce, POS, and platform/marketplace processing with fraud prevention, similar to secupay's Smart Checkout and risk management offerings.
- SumUp: SumUp is a European payments and POS terminal provider with strong SMB orientation in Germany, overlapping directly with secupay's POS terminal and e-commerce product lines.
- Ratepay (Nexi Group): Ratepay is a German white-label BNPL and payment provider serving marketplaces and platforms, directly overlapping with secupay's invoice purchase (Rechnungskauf), marketplace, and crowdinvesting solutions.
- PAYONE: PAYONE is a major German PSP serving e-commerce, POS, and marketplace use cases with broad platform integrations, closely mirroring secupay's horizontal payment distribution strategy across German merchants.
- Mollie: Mollie is a European multi-method PSP with strong SMB and platform integration focus, comparable to secupay's plugin-led merchant acquisition and self-service portal approach.
Broad incumbents
- Adyen: Adyen is a global unified payments platform serving enterprise merchants across online and POS channels with a single API—directly comparable to secupay's omnichannel single-API architecture.
- Stripe: Stripe is the global benchmark for developer-first payment APIs and serves as the broad incumbent against which secupay's secuconnect API and plugin ecosystem must compete on developer experience.
Regional players
- CCV Group: CCV is a European payments provider with strong POS terminal presence in German-speaking markets, comparable to secupay's card terminal and cash register integration offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Secupay social profiles
Digital presenceSecupay compliance and trust
Trust signalCompliance5 records
Secupay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Secupay leadership team
Management profileNumber of profiles
Profiles2 records
Secupay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Secupay 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 Secupay
What does Secupay do?
Secupay AG is a BaFin-licensed German payment service provider that delivers integrated omnichannel payment processing for merchants across e-commerce, point-of-sale, and platform-based business models. The company provides Smart Checkout, payment plugins for major e-commerce platforms, card terminals, marketplace payment splitting, and loyalty solutions through its secuconnect API. It also offers specialized payment infrastructure for crowdfunding, crowdinvesting, and token offering platforms with automated tax handling.
Is Secupay a public or private company?
Secupay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Secupay founded?
Secupay was founded in 2000. It employs 1 to 10 people.
Where is Secupay based?
Secupay is headquartered in Pulsnitz, Germany, in the Europe region.
How does Secupay make money?
Five revenue lines are on record. Payment Transaction Processing is the primary driver. The others are POS Terminal Sales and Rental, E-commerce Plugin and Subscription Services, platform and Marketplace Solutions and loyalty and Customer Retention Solutions.
Who are Secupay's main competitors?
Direct peers on record are Unzer (formerly Heidelpay), ConCardis (Nets), Computop, SumUp, Ratepay (Nexi Group), PAYONE and Mollie. Broad incumbents are Adyen and Stripe. CCV Group is listed as a regional player.
Does Secupay have an API?
Yes. Secupay offers the secuconnect API for developers to integrate payment and loyalty solutions into their systems. The developer portal at secuconnect.com provides SDKs and API documentation for integration. Developer documentation is at developer.secuconnect.com/api.
What industry is Secupay in?
Secupay's product category is Payment Processing Services. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of CRAFALAI, Payouts, Disbursements & Marketplace Split Payments. Its NAICS code is 522320 and its SIC code is 6211.