What CreditPass does

creditPass GmbH is a German B2B FinTech founded in 2003 and headquartered in Taufkirchen near Munich, operating as a bank- and corporation-independent provider of payment security, risk management, and compliance services for business customers. The company built Europe's first multi-credit agency platform in 2002–2003 for American Express and has since aggregated direct integrations with the major German, Austrian, and Swiss credit bureaus (SCHUFA, CRIF, infoscore, KSV1870, Orell Füssli) as well as Experian for international checks. Its core product, Bonitätsprüfung, runs real-time creditworthiness queries through a Modular Overlay Architecture (MOA) with over 350 interfaces to shop systems, ERP platforms, and office software, supported by a configurable Decision Engine that automates per-transaction risk and payment decisions.

The platform extends beyond credit checks into SEPA Direct Debit (SDD) payment processing, Buy Now Pay Later (BNPL) technical modules, EURODIGITS® digital-money infrastructure (covered by a 2023 German patent grant for Digital Euro transactions), sanctions screening and PEP compliance, address validation and lookup, GeoIP fraud prevention, account and card verification, and device-fingerprint fraud management. The company also operates Kontor42.com, a B2B marketplace with secure offer-to-payment workflows. creditPass 5, the next-generation platform in test operation since 2024, layers AI-assisted risk management onto the same architecture, and a 2026 Agentic Commerce positioning signals intent to support AI-driven autonomous commerce.

Revenue is generated through usage-based and transaction-based pricing for credit queries and SEPA direct debit processing, plus managed services for BNPL platforms, professional integration services, and licensing of EURODIGITS® components, with no minimum volumes or contract terms disclosed. Distribution combines direct API access, a self-serve web query mask, pre-built e-commerce plugins (including Shopware 6), and channel partnerships with payment service providers such as SIX Payment Services. The company serves more than 1,500 customers across freelancers, large corporations, public institutions, and tax/legal advisors in Germany and select European markets, and remains privately held by founders Manfred K. Wolff (66%) and Nicolas Adolph (34%) without external venture or private equity backing.

Name

CreditPass

Legal name

creditPass GmbH

Website

https://creditpass.de

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

creditPass GmbH is a German B2B FinTech founded in 2003 that provides payment security, credit-checking, SEPA direct debit processing, and compliance services through a multi-bureau integration platform serving over 1,500 merchants, corporations, and public institutions across Europe.

Ownership category

akta.pro rank

Product category

Payment Risk Management Software

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Credit risk management
• Payment security software
• SEPA direct debit
• BNPL technical modules
• Compliance screening

Headquarters

HQ city

Taufkirchen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations, Supply Chain

Revenue model

1. Credit Check / Risk Management Services: API-based creditworthiness checks for individuals and companies, including negative credit features, scoring, and compliance checks. Revenue generated per query or subscription-based usage.
2. SEPA Payment Processing (SDD): SEPA Direct Debit payment processing and support services, enabling merchants to offer direct debit as a payment method with chargeback protection.
3. BNPL Technical Modules: Technical modules and services for Buy Now Pay Later platforms, including development, integration, connection, and operation of BNPL platform components.
4. IT Integration & Cloud Services: Technical integration services connecting merchant IT systems with credit agencies, payment providers, and other third-party services via APIs.
5. EURODIGITS® Licensing: Licensing of systems, interfaces, and components for digital money processing in the euro zone to platform operators.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

CreditPass operates a B2B FinTech platform for payment security, credit risk management, and compliance since 2003. Its core offering is a multi-credit agency platform enabling real-time credit checks (Bonitätsprüfung) across SCHUFA, CRIF, infoscore, KSV1870, and Orell Füssli, combined with SEPA Direct Debit payment processing, BNPL technical modules, fraud prevention, and compliance screening. Services are delivered via API direct connection, internet query mask, or 350+ pre-built integrations to shop systems and ERPs.

Product overview

creditPass is a B2B FinTech company offering a modular platform for payment security, risk management, and compliance since 2003. The core offering centers on Bonitätsprüfung (credit checks) with multiple integrated credit bureaus (SCHUFA, CRIF, infoscore, KSV1870, Orell Füssli), complemented by Zahlungsabwicklung SDD (SEPA Direct Debit payment processing) and BNPL technical modules. Additional services include Compliance Check with sanctions list verification, GEO-IP fraud prevention, account and credit card verification, and Eurodigits for digital euro transactions. The company also operates Kontor42.com B2B marketplace. Integration is achieved via Modular Overlay Architecture (MOA) with over 350 interfaces to shop systems and ERP platforms, accessible through internet query mask or API direct connection.

Differentiator

Problem solved

Functional benefit

Products and services

• Bonitätsprüfung (Credit Check)
• Personenauskunft (Personal Credit Report)
• Firmenauskunft (Business Credit Report)
• Adressprüfung & Adressermittlung (Address Verification & Lookup)
• Zahlungsabwicklung SDD (SEPA Direct Debit Payment Processing)
• BNPL Technische Module (Buy Now Pay Later Technical Modules)
• EURODIGITS®
• Compliance Check & Multi-Ident
• Integration & Cloud Services
• Kontor42.com
• creditPass 5

Quantifiable outcome

• Approximately 85% of chargebacks are due to insufficient account balance, allowing effective prediction of repeat chargeback behavior through account checks
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature9 records

Partnerships

Twelve partnerships are on record, tiered core and strategic.

• SCHUFAcoreTechnology or Integration · 1 January 2003Long-standing partnership since 2003 for providing credit check data. SCHUFA is Germany's largest credit reporting agency. Partnership expanded in 2026 to include new SCHUFA scoring methodology based on 12 main criteria.
• CRIFcoreTechnology or IntegrationIntegration for creditworthiness information and scoring data as part of multi-agency credit check platform.
• infoscore (CRIF GmbH)coreTechnology or IntegrationPartnership for additional credit data including collection activity records and consumer credit information.
• KSV1870coreTechnology or IntegrationAustrian credit agency partner providing creditworthiness information for Austrian customers.
• Orell FüsslicoreTechnology or IntegrationSwiss credit agency partner for Swiss market credit checks and business information.
• SIX Payment ServicescoreTechnology or IntegrationPartnership for integrated payment processing through Saferpay platform, combining credit card, direct debit, paydirekt and other payment methods under unified management.
• ExperiancoreTechnology or IntegrationGlobal credit agency partner referenced as available data source within the creditPass platform for international credit checks.
• DWM International GmbHstrategicStrategic or Co-development PartnerInternational collection partner specializing exclusively in foreign debt collection, offering a single point of contact for international receivables management.
• BiZCOVERstrategicStrategic or Co-development PartnerPartnership to offer comprehensive company information system including commercial register data, federal gazette information, annual financial statements, and interactive company network visualizations.
• BDOA (Bundesverband Digitale Organisation und Ausbildung e.V.)strategicOthersIndustry association membership for digital organizations in Germany, participating in specialist committees and industry advocacy.
• EPSM (European Payment Systems Association)strategicOthersEuropean payment systems association membership for industry networking and regulatory engagement.
• InterlakecoreOthersRelated company of CTO Dr. Stefan Salzbrunn. Provides hosting services for creditPass and HoloLens workshop partnerships.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Ratepay: Berlin-based B2B payment and risk management provider offering pay-later, direct debit, and credit check infrastructure to European merchants; comparable product mix, target customer, and white-label/BNPL technical module approach.
• Riverty (formerly Arvato Financial Solutions): Bertelsmann-owned B2B provider of credit risk management, payment, and BNPL solutions across Europe; directly competes with creditPass in merchant credit decisioning and BNPL enablement with a similar bank-independent, API-first go-to-market.
• Novalnet: German payment service provider offering risk management, fraud prevention, and multi-method payment processing (including SEPA direct debit) to online merchants; closely comparable in target customer, product scope, and DACH-centric footprint.
• Computop: German payment service provider offering multi-method processing, fraud prevention, and credit risk APIs to enterprise merchants; comparable in target customer, bank-independent positioning, and emphasis on risk-led payment orchestration.
• CRIF: International credit bureau group (operating in Germany via CRIF and infoscore) integrated into creditPass as a data source; CRIF also offers its own credit decisioning and business information products, directly overlapping with creditPass's core offering.

Broad incumbents

• SCHUFA: Germany's largest credit reporting agency and a Tier 1 partner of creditPass; SCHUFA increasingly exposes direct APIs and scoring products to merchants, making it both a critical data source and a competitive incumbent in the same risk-decisioning category.
• Experian: Global credit bureau and data analytics company referenced as a data source within creditPass; Experian sells consumer and commercial credit data plus decisioning software to similar B2B merchant and lender customers across multiple geographies.
• Klarna: Global BNPL and banking-as-a-service leader with deep merchant relationships across Europe; overlaps with creditPass on BNPL enablement and risk decisioning, and increasingly exposes APIs and embedded products to merchants in the same ecosystem.
• Heidelpay (now part of Worldline/SafeCharge): Formerly a German-headquartered PSP providing credit card processing, SEPA direct debit, and risk management; now part of Worldline, it competes head-to-head with creditPass for European e-commerce merchants requiring integrated payment plus risk decisioning.

Emerging players

• Tink: Visa-owned open banking platform providing account aggregation, PSD2 connectivity, and transaction-based risk data across Europe; increasingly competes in the credit data and decisioning space that creditPass serves, especially for new-account and affordability checks.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/creditpassgmbh
• LinkedInlinkedin.com/company/creditpass-gmbh

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CreditPass