What Micropayment does

Micropayment AG is a Swiss payment service provider (PSP) incorporated in 2009 in Sarnen, Canton Obwalden, specializing in online payment processing for e-commerce merchants, digital content providers, and non-profit/association clients. The company operates a multi-rail payment platform that accepts CreditCard (with 3D Secure 2.X), SEPA Direct Debit, bank transfer/Prepay, Online Bank Transfer, PayPal, paysafecard, Call2Pay (deprecated end of 2024), and HandyPay, supporting 36+ currencies and 18 languages. Technically, the platform exposes both a hosted Payment Window (customizable themes X1/X2) for fast merchant integration and a White Label server-to-server API (API.Event) for flexible integration, communicating via an NVP (Name-Value Pair) protocol over HTTP. The Debit, CreditCard, Prepay, Call2Pay, and Securepin APIs are documented at techdoc.micropayment.ch, and a PHP Service-Client library (v1.26) simplifies integration. The company is PCI-DSS Level 1 certified and processes transactions in its own high-security data center in Germany under GDPR/DSGVO compliance.

Commercially, Micropayment monetizes via transaction-based, individually negotiated fees deducted by offset against merchant payouts, supplemented by administrative charges (up to EUR 250 for billing corrections, up to EUR 500 per dispute) and the contractual right to withhold up to 100% of merchant payouts as a security deposit for up to 14 months. Pricing is quote-based and not publicly disclosed. Distribution combines a self-serve registration portal for individual entrepreneurs, companies, and non-profit organizations with a sales-led motion emphasizing personal advisory and no call-center routing — explicitly contrasting with commoditized PSP competitors. The ControlCenter merchant dashboard offers real-time transaction monitoring, refunds, role-based access, and standardized exports to SAP, Lexware, Navision, and DATEV accounting systems.

The company is privately held under Swiss AG structure (CHE-109.036.602) with no disclosed external funding rounds, parent entity, or M&A history. Leadership is led by Managing Director Armin Klencz, with Kai Thiemann listed as co-founder; the organization sits in the 11-50 employee band. Geographic reach is globally available for CreditCard processing, EU/SEPA for direct debit, and DACH for Call2Pay (now deprecated). Documented partnerships are limited to operational vendors (Cortina Consult GmbH for privacy-policy hosting, IONOS SE for website hosting), and no enterprise customer logos are disclosed, consistent with a long-tail SMB merchant base.

Name

Micropayment

Legal name

Micropayment AG

Website

https://micropayment.ch

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Micropayment AG is a Swiss payment service provider founded in 2009 that processes online payments for SMB e-commerce merchants, digital content providers, and non-profits across CreditCard, SEPA, and alternative payment methods via hosted and API integrations.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Recurring Billing & Subscription Payments Enablement (FSAMACAF)

Keywords

• Online payment processing
• Payment service provider
• Merchant payment solutions
• SEPA direct debit
• Credit card processing

Headquarters

HQ city

Sarnen

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Fees for processing payment transactions through the platform. The services are offset against all amounts payable to the merchant, meaning fees are deducted from transaction revenues before payout.
2. Security Deposits and Withholdings: The company can withhold up to 100% of payout amounts as provisional security deposits for up to 14 months to cover potential chargebacks, refunds, and levies.
3. Processing and Administrative Fees: Fees for special billing corrections (up to 250 EUR), compliance violations and dispute resolution (up to 500 EUR per case), and processing of legal disputes. Chargeback fees for direct debit insufficient funds.
4. Annual Price Adjustments: Pricing adjustments permitted based on changes to economic conditions with four weeks notice to merchants.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Micropayment AG operates as a payment service provider (PSP) offering online payment processing for merchants and digital content providers. The company provides a hosted Payment Window, a server-to-server White Label API (API.Event), and dedicated payment-method APIs (Debit, CreditCard with 3D Secure 2.X, Prepay, Securepin) supporting CreditCard, SEPA Direct Debit, bank transfer, PayPal, paysafecard, Call2Pay, and HandyPay. A merchant dashboard (ControlCenter) handles real-time transaction monitoring, reconciliation, and ERP/accounting exports, with the platform PCI-DSS Level 1 certified and operated from a company-owned data center in Germany.

Product overview

Micropayment AG operates as a Payment Service Provider offering a comprehensive payment ecosystem consisting of hosted payment window solutions and server-to-server API integrations. The core product portfolio includes White Label (API.Event) for flexible server integration, and Payment Window for quick hosted integration with two customizable layout themes (X1 and X2). Supporting APIs include Debit (SEPA), CreditCard (with 3D Secure 2.X), Prepay, Call2Pay (deprecated), and Securepin, all accessible via the PHP Service-Client SDK or direct NVP protocol. The ControlCenter merchant dashboard provides real-time transaction monitoring, automated reporting, and ERP/accounting integrations (SAP, Lexware, Navision, DATEV). Additional services include personalized payment consulting, merchant/end-customer support, and transaction reporting.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Window Integration Hosted payment window embedded into merchant websites or web shops via URL, with customizable background colors, merchant graphics, and two layout themes (X1 and X2). Sensitive payment data is entered directly at the PSP for enhanced security.
• White Label API (API.Event) Server-to-server API integration offering maximum flexibility and seamless integration into websites or shops, supports recurring payments, and is aimed at experienced merchants and developers requiring direct server-side communication.
• Debit API (SEPA Direct Debit / Lastschrift) Webservice for SEPA direct debit payments, supporting IBAN/BIC entry, multiple mandates, EU money transfer regulations, and refund processing for merchants collecting recurring or one-off debits from EU bank accounts.
• CreditCard API Webservice for credit card payments supporting 3D Secure Version 2.X, tokenization, iframe solution, and hybrid web-to-API integration modes for merchants accepting Visa, Mastercard, and American Express globally.
• Prepay API Webservice for advance payment / bank transfer processing, enabling merchants to accept prepayments from end customers via standard bank transfer workflows.
• Securepin API Webservice for user identification via telephone, enabling merchants to verify end-customer identity through a phone-based PIN flow (Version 2.0).
• ControlCenter Central merchant dashboard for real-time transaction analysis, filtering by any criteria, data export (CSV, XLS, XML), refunds, role-based access control, and integration with common ERP/accounting systems including SAP, Lexware, Navision, and DATEV.
• Transaction & Reporting Services Centralized platform for transaction processing, payment management, automated reconciliation, and customized report generation on behalf of merchants seeking structured back-office support.
• Merchant & End Customer Support Personalized technical and payment support service for merchants and end customers, covering API errors, payment allocation, debit-related queries, and dispute-handling coordination.
• Personalised Advice & Solutions Individual payment consultation and tailored solutions offered to digital commerce, platform business, and public sector clients requiring customized payment configurations beyond standard packages.

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Computop: German-headquartered payment processor serving global e-commerce and digital content merchants with multi-method acquiring, fraud prevention, and gateway APIs. Closely comparable to Micropayment in European SMB and digital content PSP positioning.
• Mollie: Amsterdam-headquartered PSP serving European SMBs with a broad payment-method mix, simple pricing, and modern API-first developer experience. Comparable as a European SMB-focused payment aggregator.
• Heidelpay (Nexi Group): Heidelberg-based PSP offering hosted checkout, API integration, and a wide suite of alternative and SEPA payment methods across the DACH and broader European market. Comparable as a German-rooted PSP targeting SMB and platform merchants.
• Secupay: German PSP offering hosted checkout, API integration, and a broad range of payment methods including SEPA, credit card, and alternative methods targeted at European SMB e-commerce.
• Novalnet: Munich-based payment service provider offering 100+ payment methods with hosted and API integration, recurring billing, and merchant-of-record capabilities for digital goods and subscriptions. Directly comparable in European digital-content PSP focus.
• PAYONE (Worldline): Frankfurt-based PSP providing omni-channel payment processing for European merchants with credit card, SEPA, and alternative methods. Comparable in regional method coverage and SMB merchant focus.
• Skrill (Paysafe): Paysafe-owned digital wallet and PSP with strong positioning in digital content, gaming, and online merchants. Comparable to Micropayment's digital content and alternative payment orientation.

Broad incumbents

• Adyen: Global, enterprise-grade payments platform with unified online, in-person, and platform payment processing. Comparable in PSP service delivery but serves larger merchants with global multi-method coverage.
• Stripe: Global payment platform serving internet businesses with extensive API, hosted checkout, and payment method coverage. Comparable as a generalized online payment processor but with vastly broader scale and developer ecosystem.
• Concardis (Worldline/Nets): European full-service payment processor (now part of Worldline) offering acquiring, gateway, and terminal services. Comparable in regional payment processing footprint but at significantly larger enterprise scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Micropayment