Kredupay
Kredupay (Kredu GmbH) is a Berlin-based digital voucher marketplace founded in 2018 that sells 30+ branded gift cards and prepaid mobile credits to German consumers, with a buy-now-pay-later invoice option offering 14–90 day payment terms.
- Company typePrivate
- Founded2018
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2C
- OfferingDigital Commerce or Content
What Kredupay does
Kredu GmbH (operating as KREDU) is a Berlin-based digital voucher marketplace founded in 2018 that sells e-gift cards and prepaid mobile credits from more than 30 brands, including Amazon, Steam, PlayStation, Google Play, Xbox, Netflix, Spotify, and major German mobile carriers. The platform's differentiator is its invoice purchasing option (Rechnungskauf), which allows customers to receive digital code instantly by email and pay later within 14 to 90 days, with optional PayPal, Klarna, or SOFORT for immediate payment. Identity verification is processed within minutes and creditworthiness is assessed via SCHUFA, the dominant German credit bureau. The company is authorized under § 34c Abs. 1 Nr. 2 of the German Trade Regulation (GewO) and operates on German servers with German data protection compliance.
The business model is transaction-based: revenue is generated through margin on voucher sales and potential fees or interest on extended invoice terms. KREDU distributes exclusively through its own e-commerce website (kredu.de) and relies on organic SEO and content marketing rather than paid acquisition or third-party channels. The customer base is 280,000+ registered German consumers, with a stated 93% satisfaction rate. The portfolio also includes a complementary prepaid virtual Mastercard product offering 50–100 EUR with up to 30-day deferred payment. The company is privately held, managed by Ali Özen and Sandra Floren, and operates as a sole-country entity with no disclosed funding, partnerships with institutional investors, or geographic expansion beyond Germany. The website currently displays a notice about temporary order processing disruptions, an operational signal worth monitoring.
Kredupay firmographics
Firmographics- Name
- Kredupay
- Legal name
- Kredu GmbH
- Website
- https://kredu.de
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kredupay (Kredu GmbH) is a Berlin-based digital voucher marketplace founded in 2018 that sells 30+ branded gift cards and prepaid mobile credits to German consumers, with a buy-now-pay-later invoice option offering 14–90 day payment terms.
- Ownership category
- akta.pro rank
Kredupay industry classification
Industry- Product category
- Digital Voucher Resale
- NAICS
- Sales Financing (52222), Gift, Novelty, and Souvenir Retailers (45942)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro industry
- Prepaid, Gift Cards & Voucher-Based PaymentsMedia, Entertainment & Sports/Gambling, Betting & Casinos/Payment Processing & Financial Services for GamingInvoicing, Pay-by-Link & Virtual AccountsMerchant-Integrated BNPL (Checkout POS Financing)
Keywords
Where Kredupay is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Kredupay business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure
Revenue model
- Voucher Sales (Transaction-based): KREDU sells digital vouchers and gift cards for various brands (gaming, shopping, mobile recharge, entertainment) at face value. Revenue is generated through the margin on voucher sales and potentially processing fees for the invoice purchase option.
- Invoice/BNPL Processing: Platform offers buy-now-pay-later functionality, allowing customers to pay via invoice with terms up to 90 days, potentially generating revenue through late fees or interest on extended payment terms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Variable pricing based on voucher denomination and brand |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Kredupay product offering
Product offeringCore offering
KREDU (Kredu GmbH) operates a direct-to-consumer e-commerce platform selling digital vouchers and prepaid mobile credits from 30+ major brands including gaming (Steam, PlayStation, Xbox, Nintendo), entertainment (Netflix, Spotify, iTunes, Google Play), online shopping (Amazon, Zalando), and mobile carriers (Telekom, Vodafone, O2, and numerous MVNOs). The platform's distinguishing feature is offering invoice purchasing (Rechnungskauf) with flexible payment terms of 14, 30, 60, or 90 days, enabling consumers without credit cards to buy digital vouchers and pay later. Voucher codes are delivered instantly via email after purchase approval.
Product overview
KREDU (Kredu GmbH) operates a digital voucher marketplace platform founded in 2018, offering over 30 different digital gift cards and prepaid mobile credits from major brands. The core product enables customers to purchase digital vouchers and prepaid credits with flexible payment options including invoice purchase (pay later in 14-90 days). The platform covers gaming platforms (Steam, PlayStation, Xbox, Nintendo), entertainment services (Netflix, Spotify, iTunes, Google Play), online shopping (Amazon, Zalando), and mobile carriers (Telekom, Vodafone, O2, Congstar, and numerous other MVNOs). A complementary service is the prepaid virtual Mastercard offering immediate access to credit (50-100€) with optional deferred payment.
Differentiator
Problem solved
Functional benefit
Products and services
- Gaming Digital Vouchers Digital vouchers for gaming platforms including Steam Credits (€10-€50), PlayStation Network (€20-€50), PlayStation Plus subscription vouchers, Xbox Credits (€10-€25), and Nintendo eShop Credits (€15). Sold to German consumers for purchase of games, software, subscriptions, and online features.
- Entertainment & Streaming Vouchers Digital gift cards for entertainment services including Netflix (€25), Spotify (€10-€60), iTunes/Apple (€50), Google Play (€15-€50), and Deezer music streaming. Sold to consumers for accessing streaming subscriptions, music, apps, games, and digital content.
- Online Shopping Vouchers Digital gift cards for online shopping including Amazon (€25-€100) for Amazon.de purchases and Zalando (€10) for fashion and lifestyle products. Particularly useful for retailers that do not offer direct invoice purchasing.
- Mobile Prepaid Recharge Vouchers
Quantifiable outcome
- 280,000+ registered customers
- +1 more outcomes
Companies that use Kredupay
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Kredupay technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Kredupay partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- PaysafecardcoreKREDU resells Paysafecard vouchers in denominations of €10, €15, €20, €25, €30, €50, and €100. Paysafecard is a prepaid payment method operating in 43 countries, enabling online purchases without credit cards.
- AmazoncoreKREDU offers Amazon gift vouchers in €25, €50, and €100 denominations for use on Amazon.de.
- Steam (Valve Corporation)coreKREDU offers Steam wallet vouchers in €10, €20, and €50 denominations for purchasing games and content on the Steam platform.
- PlayStation (Sony)coreKREDU offers PlayStation Network vouchers in €20 and €50 denominations for games, films, and online features.
- Google PlaycoreKREDU offers Google Play gift vouchers in €15, €25, and €50 denominations for apps, games, and content.
- ZalandominorKREDU offers Zalando gift vouchers in €10 denomination for fashion and lifestyle shopping. Particularly useful when Zalando does not offer direct invoice purchasing.
- Xbox (Microsoft)coreKREDU offers Xbox vouchers in €10 and €25 denominations for games and content.
- TelekomminorKREDU offers Telekom prepaid recharge vouchers in €15 and €30 denominations for mobile phone credit.
- iTunes/ApplecoreKREDU offers iTunes/Apple gift vouchers in €50 denomination for apps, games, music, and content in the Apple ecosystem.
- NetflixminorKREDU offers Netflix vouchers in €25 denomination for streaming subscriptions.
- NintendominorKREDU offers Nintendo vouchers in €15 denomination for eShop purchases.
- SpotifyminorKREDU offers Spotify vouchers in €10, €30, and €60 denominations for premium subscriptions.
- VodafoneminorKREDU offers Vodafone CallYa prepaid recharge vouchers in €15 and €25 denominations.
- Deutsche Telekom, O2, Congstar, Blau, Lebara, Lycamobile, and other mobile carriersminorKREDU offers prepaid mobile recharge vouchers for various German mobile carriers including Deutsche Telekom, O2, Congstar, Blau, Lebara, Lycamobile, Ortel, Otelo, Fonic, Klarmobil, e-plus, Bildmobil, Turkcell, Yourfone, and Mobi.
- PayPalcorePayPal is available as a payment method for purchasing vouchers on KREDU.
- KlarnacoreKlarna is available as a payment method for purchasing vouchers on KREDU.
- SOFORT (Klarna)coreSOFORT Überweisung is available as an immediate bank transfer payment method.
- SCHUFAcoreKREDU conducts creditworthiness checks through SCHUFA for invoice purchasing approval. Customers may be rejected with negative SCHUFA entries. German data protection compliance is maintained.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Kredupay competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Kredupay social profiles
Digital presenceKredupay compliance and trust
Trust signalCompliance1 record
Kredupay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kredupay leadership team
Management profileNumber of profiles
Profiles2 records
Kredupay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kredupay 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 Kredupay
What does Kredupay do?
KREDU (Kredu GmbH) operates a direct-to-consumer e-commerce platform selling digital vouchers and prepaid mobile credits from 30+ major brands including gaming (Steam, PlayStation, Xbox, Nintendo), entertainment (Netflix, Spotify, iTunes, Google Play), online shopping (Amazon, Zalando), and mobile carriers (Telekom, Vodafone, O2, and numerous MVNOs). The platform's distinguishing feature is offering invoice purchasing (Rechnungskauf) with flexible payment terms of 14, 30, 60, or 90 days, enabling consumers without credit cards to buy digital vouchers and pay later. Voucher codes are delivered instantly via email after purchase approval.
Is Kredupay a public or private company?
Kredupay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Kredupay founded?
Kredupay was founded in 2018. It employs 11 to 50 people.
Where is Kredupay based?
Kredupay is headquartered in Berlin, Germany, in the Europe region.
How does Kredupay make money?
Two revenue lines are on record. Voucher Sales (Transaction-based) is the primary driver. The others are invoice/BNPL Processing.
Does Kredupay have an API?
No public API is recorded for Kredupay.
What industry is Kredupay in?
Kredupay's product category is Digital Voucher Resale. Its primary akta.pro industry code is MPAEALAE, Prepaid, Gift Cards & Voucher-Based Payments, with a secondary code of CRAFALAJ, Invoicing, Pay-by-Link & Virtual Accounts. Its NAICS code is 52222 and its SIC code is 6141.