What CommDoo does

CommDoo GmbH is a privately held German payment service provider headquartered in Mönchengladbach that delivers a modular full-service payment platform to e-commerce merchants. The platform spans three solution pillars: Payment Solutions (gateways supporting credit cards, SEPA direct debit, PayPal, Sofortüberweisung, giropay, iDEAL, premium SMS, telephone payments, and Alipay/WeChatPay), Risk Solutions (50+ examination modules organized into Basic, Standard, and Premium risk check packages, plus the bill:secure payment guarantee up to €1,000 per transaction), and Data Solutions (multiple checkouts and automated support processes covering notification, invoicing, debtor management, debt collection, factoring, subscription management, installment payments, IVR voice, and settlement file generation in CSV, MT940, and DATEV formats).

Underlying the platform is a service-oriented architecture with XML/SOAP API interfaces (Payment API, Risk API, Postback/Webhook API, Service-Order API, Phone & SMS API, Stats API, Inkasso API), hosted payment pages (Flexible-link, Easy-link, CAP-Service), payment widgets with seamless integration, and pre-built modules for Shopware 6, Magento, xt:Commerce, OXID, osCommerce, Gambio, WooCommerce, and JTL. The risk engine combines a proprietary PSC scoring algorithm, Fingerprint-based cookie-less user recognition, and Smart-Routing that distributes credit card transactions across multiple acquirers based on country, fees, transaction amount, and rejection rate. CommDoo holds PCI DSS certification and operates as a SCHUFA-certified system house with access to over 10 million credit entries, supplemented by data partnerships with Arvato Infoscore, Creditreform, Bürgel, and Intercard.

The company monetizes through transaction-based processing fees, tiered risk check packages, insurance premiums on bill:secure guarantees, and managed services for support automation and accounting integration. Pricing is negotiated per merchant based on annual transaction volume, industry, and payment methods required, with quotes delivered within 48 hours. CommDoo primarily serves digital goods merchants, mail-order businesses, rental and subscription providers, and regulated verticals (tobacco, CBD, cannabis, alcohol) across DACH, Benelux, Spain, and selectively the UK, USA, and China. Named customers include notebooksbilliger.de, Germany's largest medical cannabis provider, a major German tobacco retailer, a large German fashion brand, and the Metropolitankapitel der Hohen Domkirche zu Köln. Distribution is sales-led, direct, and built around a German-language content website. The firm is founder/management-owned (Managing Director Dr. Thilo Jens Kastrup), with no disclosed venture capital or private equity backing, and operates with approximately 15 employees plus 2 apprentices.

Name

CommDoo

Legal name

CommDoo GmbH

Website

https://commdoo.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

CommDoo GmbH is a German payment service provider offering integrated payment processing, fraud protection with 50+ risk check modules, and automated post-transaction workflows for e-commerce merchants in DACH, Benelux, and selected verticals including digital goods, mail order, and regulated industries.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Risk, Fraud & 3DS Orchestration for Payments (FSAGABAL)

Keywords

• Payment processing services
• Online fraud protection
• Payment gateway platform
• Merchant risk management
• Subscription billing automation

Headquarters

HQ city

Mönchengladbach

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based fees for processing electronic payments including credit cards, debit cards, SEPA direct debits, online bank transfers, e-wallets, and mobile payments. Provides global payment processing with settlement services.
2. Risk and Fraud Protection Services: Risk check packages (Basic, Standard, Premium) with plausibility checks, scoring, and confirmation services. Includes over 50 verification modules for fraud prevention.
3. Payment Guarantee (bill:secure): Guaranteed payment service up to 1,000 euros per transaction with revenue- and industry-dependent insurance premium fees, combined with Premium Risk Check fees.
4. Data Solutions and Support Automation: Automated support processes including invoice sending, debtor management, collections, factoring, subscription management, installment payments, SMS, and voice services.
5. Settlement Files and Accounting Integration: Generation of transaction histories and payment data for accounting in CSV, DATEV, or MT940 formats with optional subledger accounting.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels1 record

Core offering

CommDoo provides full-service payment processing, fraud protection with 50+ examination modules, and automated post-transaction support processes for e-commerce merchants. Its platform bundles payment gateways (credit cards, SEPA, online transfers, PayPal, PayByCall, Premium SMS), risk scoring using proprietary algorithms and credit bureau data, and lifecycle automation including invoicing, dunning, debt collection, factoring, subscriptions, and installment payments into a single contract.

Product overview

CommDoo operates a modular payment platform with three core solution pillars — Payment Solutions (gateways and upgrades), Risk Solutions (fraud protection), and Data Solutions (multiple checkouts and automated support processes). The platform integrates into merchants via multiple interfaces: XML/SOAP APIs (Payment API, Risk API, Notification/Webhook API, Service-Order API, Phone & SMS API, Stats API, Inkasso API), hosted payment pages (Flexible-link, Easy-link, CAP-Service), payment widgets with seamless integration, a web-based management frontend (Commpay.net), and pre-built shop plugins (Shopware 6, Magento, xt:Commerce, OXID, osCommerce, Gambio, WooCommerce, JTL). The Fraud Protection system comprises over 50 examination modules organized into Basic, Standard, and Premium Risk Check packages, covering plausibility validation, behavioral scoring, and user confirmation via multiple channels. Automated Support Processes handle the post-transaction lifecycle including notification (EMS/TBMS), invoice sending, debtor management, debt collection, factoring, subscription management, installment payments, SMS, and IVR. Settlement file generation in CSV, MT940, and DATEV formats bridges transaction data into merchant accounting systems (SAP, Microsoft Dynamics). The offering also includes value-added services such as bill:secure payment guarantee (up to €1,000 per transaction), Smart Routing for credit card optimization, and IVR voice services. The platform is PCI DSS certified and supports payments across Germany, Austria, Switzerland, the Netherlands, and other European markets.

Differentiator

Problem solved

Functional benefit

Brands

• bill:secure: Payment guarantee product offering guaranteed payouts up to 1,000 euros per transaction, available in Germany, Austria, Switzerland, Netherlands, and Spain.
• commPayBySMS
• PayByCall

Products and services

• Payment Gateways Core payment gateway infrastructure enabling global payment processing across multiple payment methods and regions. Supports credit cards (Visa, MasterCard, American Express, Discover, JCB), SEPA direct debit (28 EU countries plus Switzerland, Monaco, San Marino), invoice purchase, online transfers (Sofortüberweisung, giropay, iDEAL, eps), PayPal, PayByCall, Premium SMS, and Paysafecard for e-commerce merchants worldwide.
• Fraud Protection Risk management and fraud prevention solution with over 50 examination modules across three categories: plausibility checks (account number, credit card, address, phone, email, ID card), scoring (creditworthiness, blacklist, premium name, IP, geo, smart), and confirmation (email, phone, mail, account, SMS PIN). Delivered as standalone checks or bundled packages (Basic, Standard, Premium Risk Check) for e-commerce merchants.
• Multiple Checkouts Multi-channel checkout solution offering Direct API, individual payment windows, seamless integration, and one-click checkouts to match any business requirement for e-commerce merchants.
• Automated Support Processes Suite of automated support process modules including notification (EMS, TBMS, HTTP-pull), invoice sending, debtor management, debt collection, factoring, subscription management, installment payments, follow-up purchases, SMS, and voice (IVR). Covers the full post-transaction lifecycle from billing through collection for e-commerce merchants.
• Shopware 6 Payment Plugin All-in-one payment plugin for Shopware 6, internally developed and maintained by CommDoo. Provides all major payment methods, fraud protection with 50+ risk modules, PCI certification, automated installation, and settlement file generation (CSV, DATEV format). Can be used alongside existing payment providers.
• Payment-Upgrades Enhancement services for payment processing including Smart Routing technology that distributes credit card transactions across multiple acquirers based on country, fees, transaction amount, or rejection rate, plus performance tuning for payment methods.
• API Interfaces (XML/SOAP) Central XML/SOAP API interfaces for integrating CommDoo services. Includes Payment API, Risk API, Notification Postback API/Webhook, Service-Order API, Phone & SMS API, Stats API, and Inkasso API for full payment ecosystem integration with merchant systems. A lighter HTTP-GET API light variant is available for simpler calls.
• Payment Window Solutions (Flexible-link, Easy-link, CAP-Service) Pre-built hosted payment page options. Flexible-link allows dynamic selection of payment and risk check combinations per transaction. Easy-link uses a fixed URL with user-entered parameters. CAP-Service (Conditional Access Proxy) combines hosted payment page with access control by routing all traffic through CommDoo proxy.
• Payment Widgets and Seamless Integration Payment widget providing seamless integration into merchant layout as an alternative to iframe solutions. The payment form is rendered on the merchant's page and styled with their own CSS. Partially Payment mode separates sensitive payment data capture from the actual payment, enabling seamless capture in one-page checkouts or pre-capture in multi-step checkouts.
• Webfrontend (Commpay.net) Full management tool (www.commpay.net) providing statistics, detailed transaction data, booking management, cancellations, payment confirmation entries, terminations, and professional reports for controlling and accounting. Batch file submission for credit card and direct debit settlement as well as collection orders available on request.
• IVR Platform (Voice) Interactive Voice Response (IVR) platform for routing, recording, and billing of phone calls. Processes all number types (geographic, 0800, 0180, 0900, 0137). Supports prepaid (via credit card, direct debit, online transfer, PayPal, ClickandBuy, prepaid cards), postpaid (credit card and direct debit), and live billing (via 0180 or 0900 numbers). Also enables phone PIN confirmation for fraud protection.
• bill:secure (Payment Guarantee) Payment guarantee service guaranteeing merchant money up to €1,000 per service, available in Germany and in certain cases in Austria, Switzerland, the Netherlands, and Spain. Requires premium risk check as mandatory prerequisite, plus a revenue and industry-dependent insurance premium. Enables merchants to safely offer all payment methods including direct debit and invoice purchase.
• Risk Check Packages (Basic, Standard, Premium) Three pre-configured risk check bundles: Basic Risk Check (IP check + email PIN, suitable for micropayment), Standard Risk Check (adds address check, blacklist, light credit check, geo checks, phone PIN), and Premium Risk Check (nearly all available risk checks freely combinable, with option to extend to payment guarantee via bill:secure).
• PayPal Integration PayPal payment integration enabling merchants to offer PayPal as a payment method. PayPal Basis suits digital goods and shops requiring registration; PayPal Express enables quick checkout without prior registration. Includes PayPal Seller Protection against chargebacks and debit reversals. Available in 18 currencies.
• Credit Card Processing Credit card payment processing supporting Visa, Verified by Visa, MasterCard, MasterCard SecureCode, American Express, Discover, JCB, and debit cards (Visa Electron, Visa Carte Bleu, Maestro). Available globally. Merchants can use their own account or CommDoo's pooled account. CommDoo also brokers acceptance agreements with acquirers.
• SEPA Direct Debit SEPA direct debit payment processing available in Germany, Austria, and the Netherlands. Supports cancellation-free direct debit via payment guarantee. Merchants can choose to collect payments via their house bank or through CommDoo's pooled account for faster access to funds.
• Invoice Purchase (Rechnungskauf) Invoice purchase payment method offered in three models: in-house (merchant controls risk check, payment processing, invoicing, and dunning), partially outsourced (factor handles risk decision and dunning, merchant keeps invoicing), and fully outsourced (partner manages everything; merchant bears no default risk). A/B testing available to determine optimal variant per merchant.
• PayByCall Premium rate telephone payment service for digital goods. Supports time-based billing (per minute), event-based billing (drop charge), or combined tariffs. Services include LiveAccess (concurrent use during call), CreditAccess (pre-payment), and one-time password access. Available in approximately 25 countries via domestic premium rate and international call numbers.
• Premium SMS / PayBySMS Mobile billing via Premium SMS for micropayments. Supports mobile terminated (MT) and mobile originated (MO) SMS. Services include CreditAccess (post-payment for digital goods, up to €9.96 from a €1.99 base tariff), PasswordAccess (one-time login password), and goPay Web (TAN-based web transaction for amounts from €0.19 to €9.99). All Premium SMS revenues are chargeback-free.
• Sofortüberweisung Direct payment system covering 77 million online-capable bank accounts in Germany, Austria, Switzerland, the Netherlands, Belgium, and Great Britain. Operated by Payment Network AG, covering approximately 99% of German banks. TÜV-certified for data protection and transaction security.
• Settlement Files (CSV, MT940, DATEV) Harmonized settlement file generation for accounting. Available formats include CommDoo's own CSV format, MT940 (standard bank format), and DATEV format. Files can be customized to merchant system requirements and are compatible with SAP, Microsoft Dynamics, and other ERP or accounting systems. Optionally includes sub-ledger accounting capturing debtor and creditor transactions.
• Subscription Management (Abo) Automated subscription billing and lifecycle management for recurring payments. Supports indefinite or time-limited subscriptions with any billing cycle (from one day). Handles trial periods, automatic termination of time-limited subscriptions, and dunning/collection for failed renewals. Payment methods include credit card, direct debit, premium SMS, PayPal, ClickandBuy, and bank transfer.
• Installment Payments (Ratenzahlung) Automated installment payment processing for splitting purchases into multiple payments. CommDoo handles triggering installments, monitoring monthly receipts, dunning, and forwarding to collection. Typically monthly installments, though other periods available. Supports credit card, direct debit, PayPal, ClickandBuy, Telekom Online Transfer, and Sofortüberweisung. Can be combined with factoring and payment guarantee.
• Factoring Forced debt purchase service where CommDoo purchases receivables, providing liquidity benefits. Requires pre-transaction risk assessment via premium risk check. CommDoo's pooled account enables merchants to process all available payment methods under a single contract, eliminating the need for separate agreements with individual payment providers and acquirers.
• Debtor Management (Debitorenmanagement) Debtor account management covering payment receipt recognition, payment-to-invoice matching (including 1-2 day delay for SEPA direct debits), chargeback detection and assignment with automatic transaction status updates, and dunning (email or postal). Forms the foundation for invoice sending and debt collection modules.
• Debt Collection (Inkasso) Automated debt collection integration with partner agencies (First Debit, Domnowski, Gothia, Arvato, Atriga, Diagonal, Auer Witte Thiel). Automatic data exchange via standardized API. System can be configured for automatic collection initiation after the second dunning letter or for merchant decision on a per-case basis. Custom API available for integrating additional collection partners.
• Invoice Sending (Rechnungsversand) Automated invoice generation and delivery via email (PDF) for digital goods or postal mail for physical goods. Invoice design is configured once in the system; merchants submit invoice or credit note line items via interface.
• Notification Services (EMS/TBMS) Multi-channel notification system for transaction updates and status changes. EMS (Event Messaging System) delivers real-time event notifications via HTTP push, event URL, encrypted email, or SMS. TBMS (Time-Based Messaging System) sends aggregated data within defined time periods such as daily revenue reports. Also supports customer-facing notifications (transaction confirmations, dunning, charge announcements).
• Shop Module Pre-built Integrations Pre-built shop module integrations for Magento, xt:Commerce, OXID, osCommerce, Gambio, WooCommerce, and JTL. Module development is typically achievable within a few days. Each module is based on CommDoo's flexible-link hosted payment page architecture.
• Desktop Application Desktop application installable on merchant computers with a fixed IP address. Handles settlement processing for SEPA direct debit and credit cards, and submission of collection orders.

Quantifiable outcome

• Up to 15% revenue increase through patent-protected direct dial-in feature for PayByCall
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability24 records

Feature7 records

Partnerships

34 partnerships are on record, tiered strategic and core.

• SEPA SecurestrategicStrategic or Co-development Partner · 1 June 2022CommDoo developed SEPA Secure with SEPA Secure to solve payment guarantee problems for digital goods sellers, providing 100% coverage for SEPA direct debit chargebacks.
• TruzztstrategicStrategic or Co-development Partner · 1 April 2022CommDoo and Truzzt provide innovative and individual payment solutions for the Mobility Data Space of the European Union.
• Ideal AlphastrategicStrategic or Co-development Partner · 1 September 2021Full B2B service partnership offering photography studio, shop operation, marketing, payment, and accounting services from a single source for B2B online merchants.
• EVO PaystrategicStrategic or Co-development Partner · 1 June 2021CommDoo supports EVO Pay in providing individual payment solutions for online merchants, with focus on complex customer integrations with special interface requirements.
• NuveistrategicStrategic or Co-development Partner · 1 May 2021Nuvei, one of the largest acquirers in North America, cooperates with CommDoo for European merchants selling products into the North American market.
• WorldpaystrategicStrategic or Co-development Partner · 1 August 2020Worldpay is the largest and most experienced European provider for high-risk digital payment markets. CommDoo partnered with Worldpay for digital high-risk payment processing.
• Santander BankcoreStrategic or Co-development Partner · 1 October 2019Santander invoice purchase and installment payment options are now available for CommDoo merchants. CommDoo is developing a new Universal API for Santander invoice purchase on behalf of the bank.
• ComputopcoreTechnology or Integration · 1 November 2017Computop gateway is now available for CommDoo merchants, joining existing integrations with ACI and Ingenico for international payment solutions.
• ACIcoreTechnology or Integration · 1 August 2017ACI payment gateway integration enables international payment processing for CommDoo merchants.
• IngenicocoreTechnology or Integration · 1 August 2017Ingenico payment gateway integration enables international payment processing for CommDoo merchants.
• SchufacoreTechnology or IntegrationAs a certified system house of SCHUFA, CommDoo has direct access to credit scoring data for German consumers, enabling comprehensive creditworthiness checks for payment default prevention.
• Arvato InfoscorecoreTechnology or IntegrationProvides blacklist check data and Rücklastschrift (chargeback) pool information, enabling fraud detection and chargeback prevention through historical default data.
• IntercardcoreTechnology or IntegrationProvides Rücklastschrift pool data for chargeback risk assessment and blacklist checks.
• CreditreformcoreTechnology or IntegrationProvides credit scoring and blacklist data for assessing payment default probability of German consumers.
• BürgelcoreTechnology or IntegrationProvides credit scoring data for consumer creditworthiness verification in Germany.
• Deutsche TelekomcoreTechnology or IntegrationProvides IVR connectivity infrastructure for CommDoo's voice payment and fraud confirmation services, ensuring reliable telephone-based payment processing.
• TE-SystemscoreTechnology or IntegrationProvides IVR (Interactive Voice Response) solutions for CommDoo's voice payment and customer verification services.
• MicrosoftcoreTechnology or IntegrationCommDoo uses Microsoft .NET architectures for payment software development, with databases and webservers built on Microsoft technologies.
• IBMcoreTechnology or IntegrationCommDoo relies on IBM for hardware infrastructure, maintaining average hardware age of maximum 12 months with modern virtualized server solutions.
• PayPalcoreTechnology or IntegrationPayPal is available as a payment method through CommDoo's gateway, with support for PayPal Basis and PayPal Express checkout options.
• ClickandBuycoreTechnology or IntegrationAvailable as a payment method through CommDoo's multi-payment gateway platform for digital goods merchants.
• net mobile AGcoreTechnology or IntegrationPartners with CommDoo for goPay Web service, enabling mobile payment through transaction numbers (TAN) for digital services.
• First DebitcoreImplementation/ SI/ Consulting PartnerInkasso partner for debt collection services integrated into CommDoo's automated collections workflow.
• DomnowskicoreImplementation/ SI/ Consulting PartnerInkasso partner providing debt collection services integrated into CommDoo's automated dunning and collections system.
• GothiacoreImplementation/ SI/ Consulting PartnerInkasso partner for debt collection services integrated into CommDoo's automated collections workflow.
• AtrigacoreImplementation/ SI/ Consulting PartnerInkasso partner providing debt collection services integrated into CommDoo's automated dunning and collections system.
• DiagonalcoreImplementation/ SI/ Consulting PartnerInkasso partner integrated into CommDoo's standardized API for automated debt collection.
• Auer Witte ThielcoreImplementation/ SI/ Consulting PartnerInkasso partner providing debt collection services integrated into CommDoo's automated collections system.
• AcumiocoreImplementation/ SI/ Consulting PartnerInkasso partner integrated into CommDoo's standardized API for automated debt collection.
• Santander Consumer Finance (Zinia)coreTechnology or IntegrationZinia brand from Openbank and Santander Consumer Finance provides Buy Now, Pay Later options, early payout options, and payment default risk coverage for merchants.
• DATEVcoreTechnology or IntegrationUnified Settlements integration with DATEV and MT940 formats enables direct processing of payment data in SAP, MS Dynamics, and other ERP or accounting systems.
• IN-telegencecoreTechnology or IntegrationPartnered for development of a prepaid system for telephone consultation services, providing 10+ electronic interfaces for real-time credit monitoring.
• Even-on-SundaystrategicChannel Partner/ Reseller/ DistributorFashion marketing specialist cooperating with CommDoo for fashion e-commerce payment processing.
• e-velopment (360e)strategicChannel Partner/ Reseller/ DistributorHamburg-based operator of innovative eCommerce and omnichannel trading platform 360e, integrated with CommDoo for payment processing.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Novalnet: German PSP offering a similar all-in-one platform covering payment processing, fraud prevention, subscription/ installment management, and debt collection. Comparable size and target customer base of SMB and mid-market e-commerce merchants in DACH.
• Computop: German payment gateway provider with similar focus on multi-payment-method orchestration, risk management, and integration with major shop systems. Comparable mid-market PSP positioning and explicitly integrated with CommDoo as a gateway partner.
• Heidelpay (Worldline): German-headquartered PSP (now part of Worldline) that historically served DACH SMB e-commerce with multi-method processing and risk services — a direct competitor in CommDoo's core geography and segment before being absorbed into a global incumbent.
• BS PAYONE (Shopware Payments): German payment service provider tightly integrated into Shopware and other DACH shop platforms — a near-direct competitor for Shopware-using merchants in CommDoo's core e-commerce segment.
• PAYONE (Nexi/Worldline): German PSP within the Shopware ecosystem offering payment processing, risk management, and accounting integration for DACH e-commerce — overlapping target customers and a common shop-system partnership with Shopware.

Broad incumbents

• Adyen: Global unified commerce platform serving enterprise and omnichannel merchants; competes with CommDoo's smart routing and unified processing value proposition but at significantly larger scale and with broader geographic reach.
• Mollie: European SMB-focused PSP with strong shop-plugin ecosystem (Shopware, WooCommerce, Magento) and multi-payment-method checkout — competing with CommDoo for the same DACH and Benelux SMB merchants but with broader payment-method coverage and simpler onboarding.
• Stripe: Global payment platform with growing DACH presence; competes for the same e-commerce merchants but with modern REST APIs, extensive developer tooling, and unified global acquiring — a far larger and more broadly capable incumbent.

Emerging players

• Klarna: European BNPL provider integrated into CommDoo's payment options and also a competitive alternative for merchants seeking pay-later checkout. Overlaps with CommDoo's installment, invoice-purchase, and merchant financing offerings.

Others

• DATEV: German accounting-software standards body and SaaS provider; not a competitor but a critical ecosystem partner whose formats CommDoo integrates with for settlement files. Relevant as the dominant accounting-format dependency for German SMB merchants.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/about

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CommDoo