B+S Card Service

What B+S Card Service does

B+S Card Service is a DBA (trading name) of PAYONE GmbH, a Frankfurt-based payment service provider established in 2003 (with the B+S Card Service brand dating to 1989), operating as a wholly-owned subsidiary of Worldline S.A. (Euronext Paris: WLN) through the DSV-Gruppe (Deutscher Sparkassenverlag). The company holds a BaFin e-money and payment institution license under the German Payment Services Supervision Act (ZAG) and PCI DSS 4.0.1 Level 1 certification, enabling it to operate as both a network operator (Netzbetreiber) and acquirer for card-based cashless payments. Its infrastructure includes high-availability real-time parallel servers, TLS encryption, and a proprietary Client-API with Hosted Multi iFrame technology for PCI-compliant e-commerce integration.

The company provides a comprehensive payment portfolio covering POS card terminals (All Card Flat, PAYONE Classic, All Time Flex, TAP ON MOBILE — priced €0–€29.90/month), e-commerce solutions (E-Com Starter, E-Com Pro, E-Com Individual, PAYONE Link, PAYONE MOTO — €9.90–€29/month), and integrated POS systems (Tillhub, helloTESS!, Ready2Order — €39–€99/month). It accepts all major card schemes (girocard, Visa, Mastercard, Amex, Diners, JCB, UnionPay, V PAY, Maestro) plus mobile wallets (Apple Pay, Google Pay) and the WERO European A2A payment scheme. For enterprise customers, PAYONE offers Seamless Commerce (omnichannel), REVOLV (contactless SEPA direct debit), and a marketplace payment solution. The company serves two customer segments — primarily SMB merchants (retail, gastronomy, hospitality, healthcare, services) and secondarily large enterprises (retail chains, fashion, travel, mobility, petrol) — distributing through direct sales, partner/reseller networks, the Sparkassen/Distributor network, and a self-service myPortal.

The revenue model combines transaction fees (Disagio, interchange, scheme fees) with recurring terminal rental subscriptions and POS subscription packages; PAYONE also retains a 5% security deposit for 180 days against chargebacks. Geographic focus is Germany and Austria, with marketing investment across Google Ads, Meta, LinkedIn, Microsoft, XING, and affiliate channels (financeAds, lead alliance, Hearts & Science). Headcount is 501–1,000 employees, and the entity does not publicly disclose standalone revenue, which is consolidated into Worldline's merchant services division.

Name

B+S Card Service

Legal name

PAYONE GmbH

Website

https://www.bs-card-service.com/

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

501–1,000 employees

Short description

B+S Card Service is a DBA of PAYONE GmbH, a BaFin-licensed German payment service provider (subsidiary of Worldline S.A.) that delivers card terminals, e-commerce payment integration, POS systems, and omnichannel payment processing to SMB and enterprise merchants in Germany and Austria.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Payment PIN Pads, Card Readers & NFC Contactless Devices (HDACAKAG)

Keywords

• Card payment acquiring
• Payment terminal services
• POS system solutions
• E-commerce payment processing
• Cashless payment services

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction Fees / Acquiring: PAYONE charges merchants transaction fees (Disagio) for processing card payments including credit cards and debit cards. Fees vary by card type, transaction type, and contract terms. Additional fees include Scheme Acquirer Authorization Fee, Processing & Association Fee, E-Commerce Service Fee, and Cross-border fees.
2. Terminal Rental / Hardware: PAYONE provides card terminals (Kartenlesegeräte) for monthly rental fees. Merchants pay recurring fees for terminal hardware provision, as evidenced by product pricing such as All Card Flat at €29.90/month and PAYONE Classic at €12.90/month.
3. Kassensysteme Subscriptions: POS system packages such as Tillhub Kassensystem (€39.00/month) and helloTESS! (€99.00/month) are provided as subscription-based complete solutions.
4. E-Commerce Solutions: Online payment processing solutions including E-Com Starter (€29.00/month), PAYONE Link (€19.00/month), and PAYONE MOTO (€9.90/month).
5. Security Deposit (Factoring): PAYONE retains 5% of transaction revenue as a security deposit for 180 days to protect against payment defaults from chargebacks and failed SEPA direct debits.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels14 records

Core offering

B+S Card Service (PAYONE GmbH) provides end-to-end cashless payment acceptance for merchants, covering card payment terminals, integrated POS/cash register systems, e-commerce payment processing, payment links, MOTO (mail/telephone order) processing, and omnichannel and marketplace payment solutions. The company acts as both a network operator (Netzbetreiber) and acquirer, enabling acceptance of all major card schemes and mobile wallets under PCI DSS Level 1 certified infrastructure. Its offerings target SMBs in retail, gastronomy, services and healthcare, as well as enterprise retailers, travel, mobility and hospitality chains.

Product overview

PAYONE is a comprehensive payment services platform offering a unified portfolio of POS terminals, e-commerce solutions, and cash register systems for merchants in Germany and Austria. The core product portfolio includes card payment terminals (All Card Flat, PAYONE Classic, All Time Flex), e-commerce payment solutions (E-Com Starter, E-Com Pro, E-Com Individual, PAYONE Link, PAYONE MOTO), and integrated POS systems (Tillhub, helloTESS!, Ready2Order). PAYONE acts as both a network operator (technical infrastructure for payment processing) and acquirer (credit card transaction processing with international schemes). The company is a subsidiary of Worldline and part of the DSV Group (Deutscher Sparkassenverlag), offering enterprise omnichannel solutions (Seamless Commerce) and marketplace payment solutions alongside its standard merchant offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• All Card Flat Payment flatrate package offering all card payments (credit, debit, contactless) with a fixed monthly fee starting at €29.90, including card terminal with comprehensive payment method coverage, designed for SMB merchants in Germany and Austria.
• Tillhub Kassensystem All-in-one cloud-based cash register system integrated with PAYONE payment processing, including monitor, card terminal and cash drawer at €39.00/month, for SMB merchants needing a complete POS solution.
• E-Com Starter Online payment starter package for e-commerce beginners providing essential web-shop payment processing capabilities at €29.00/month, targeted at online merchants entering card acceptance.
• PAYONE Classic Individual card terminal package with customizable features and payment methods starting at €12.90/month, providing a flexible terminal solution for various SMB merchant needs.
• helloTESS! iPad-Kasse iPad-based cash register system designed for large-scale hospitality and restaurant operations, featuring touchscreen interface, gastro mode and base stand, priced at €99.00/month.
• PAYONE Link Digital payment link solution enabling contactless payments via smartphone, allowing merchants to send payment links to customers for remote card payments starting at €19.00/month.
• PAYONE MOTO Mail Order/Telephone Order payment solution for processing card payments received via mail or phone orders, priced at €9.90/month.
• All Time Flex Card reader with no monthly fixed costs, operating on a pay-per-transaction model from €0.00/month base fee, suitable for businesses with lower transaction volumes.
• E-Com Pro Professional e-commerce payment solution for established online businesses with advanced features and comprehensive payment method coverage.
• E-Com Individual Customizable e-commerce payment solution for businesses with specific integration requirements, offering tailored payment processing capabilities.
• TAP ON MOBILE Smartphone-based payment solution that turns a mobile phone into a contactless card terminal using NFC technology, enabling card acceptance without dedicated hardware.
• Seamless Commerce Omnichannel commerce solution for enterprise customers enabling unified payment experiences across all sales channels (online, offline, mobile).
• REVOLV Contactless SEPA direct debit solution enabling account-based payments without signature, using H2H (Hosted-to-Hosted) direct debit processing for secure, convenient payments.
• Marktplatz-Lösung Integrated payment solution for marketplace platforms enabling split payments, multi-vendor settlements, and complex marketplace payment flows.
• PAYONE Client-API Payment API enabling merchants to process card payments within their own online checkout via an embedded Hosted Multi iFrame solution, simplifying PCI DSS compliance by keeping card data entry within the merchant's checkout page.

Quantifiable outcome

• PCI DSS Level 1 certification achieved through quarterly external audits and penetration testing, validating the highest level of payment card data security.

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration33 records

Feature10 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• WorldlinecoreStrategic or Co-development PartnerPAYONE is a company of Worldline, a global payments services group headquartered in Paris, France. PAYONE operates within the Worldline group structure and uses Worldline's IT infrastructure, compliance frameworks, and global payment network. Worldline provides group-level IT services, support, and shared infrastructure to PAYONE, while PAYONE serves as Worldline's German and Austrian payment operations entity.
• DSV-Gruppe (Deutscher Sparkassenverlag)coreStrategic or Co-development PartnerPAYONE is part of the DSV-Gruppe (Deutscher Sparkassenverlag), the publishing and IT services organization of Germany's savings banks (Sparkassen). This affiliation provides PAYONE access to the Sparkassen branch network and merchant referral relationships across Germany.
• Credit & Collections Service GmbH (CCS)minorImplementation/ SI/ Consulting PartnerCCS Inkasso handles debt collection and payment recovery for PAYONE when SEPA direct debit payments fail and result in chargebacks. PAYONE outsources its collection activities to CCS, which contacts cardholders with outstanding payment obligations.
• financeAds GmbH & Co. KGminorGTM or Marketing PartnerfinanceAds is an affiliate marketing partner enabling online publishers and website operators to promote PAYONE products and services. Publishers earn commissions for merchant referrals through the PAYONE partner program facilitated by financeAds.
• lead alliance GmbHminorGTM or Marketing Partnerlead alliance is an affiliate marketing partner in the PAYONE partner program, enabling lead generation through online publishers who promote PAYONE payment solutions and earn commissions for successful merchant referrals.
• Hearts & Science München GmbHminorGTM or Marketing PartnerHearts & Science is a marketing agency that provides technology for PAYONE's affiliate marketing campaigns, tracking the success of online partner promotions and enabling performance-based commission payments.
• EQS Group AGminorOthersEQS Group AG operates the Worldline Integrity Line whistleblowing system used by PAYONE to comply with the German Supply Chain Due Diligence Act (LkSG). The system enables anonymous reporting of human rights and environmental risks.
• Qualified Security Assessor (QSA) - External AuditorminorImplementation/ SI/ Consulting PartnerPAYONE undergoes annual PCI DSS compliance audits by an independent Qualified Security Assessor (QSA) who conducts multi-day on-site audits to verify security controls, encryption, and compliance with PCI DSS 4.0.1 Level 1 requirements.

Scale indicators3 records

Recent moves6 records

Expansion highlights10 records

Direct peers

• CCV: CCV is a German-headquartered payment service provider specializing in card terminals, e-commerce, and cash register solutions for SMBs and enterprises in the DACH region. Directly competes with PAYONE in POS terminals, mobile acceptance, and integrated Kassensysteme, and supplies hardware that PAYONE itself distributes.
• Concardis (Nets/Nexi Group): Concardis (now part of Nexi Group following the Nets merger) is one of Germany's largest acquirers and PSPs offering card-present and e-commerce acceptance to retail and enterprise merchants. Directly comparable as a DACH-anchored acquirer/PSP competing for the same retail, hospitality, and omnichannel accounts.
• Heidelpay (now part of Worldline/Wordline merchant services): Heidelpay is a German PSP and acquirer offering omnichannel payment processing for SMB and enterprise merchants across multiple channels. Directly comparable as a DACH-focused integrated payment processor with both card-present and e-commerce offerings; notably now under common Worldline group ownership.
• SumUp: SumUp is a leading European mobile-first payment provider offering low-cost card readers and SoftPOS solutions to micro and SMB merchants across Germany and beyond. Directly competes with PAYONE's terminal and SoftPOS (TAP ON MOBILE) offerings for price-sensitive DACH SMBs through a streamlined mobile-native product.
• Adyen: Adyen is a global unified payments platform serving enterprise merchants with card-present, e-commerce, and omnichannel acquiring. Directly competes with PAYONE's Seamless Commerce and enterprise omnichannel offerings for large DACH retail, travel, and marketplace accounts.
• Stripe: Stripe is a global online payment processor widely adopted by DACH e-commerce and platform merchants. Directly competes with PAYONE's E-Com Starter/Pro/Individual and Marktplatz-Lösung offerings for online and marketplace merchants, particularly SMBs and platforms.
• Computop: Computop is a Germany-based payment service provider offering omnichannel and global acquiring for retail and e-commerce merchants. Directly competes with PAYONE in DACH retail, omnichannel, and cross-border e-commerce, with particular strength in enterprise retail accounts.

Broad incumbents

• Worldline S.A. Worldline is PAYONE's publicly-listed parent company and one of Europe's largest payment services providers, offering acquiring, processing, and digital banking across the continent. Overlaps with PAYONE as a parent but also competes in adjacent merchant acquiring and processing segments in other European markets.

Others

• Verifone: Verifone is a global provider of payment terminals and POS hardware widely deployed across retail and hospitality. Comparable to PAYONE as a terminal/POS infrastructure provider — PAYONE distributes Verifone V200c and other models — though Verifone is a hardware supplier rather than a direct acquirer competitor.
• Ingenico (part of Worldline): Ingenico is a global POS terminal manufacturer (now part of Worldline) supplying terminals such as the Move/Desk/Lane/DX8000 series that PAYONE distributes. Comparable as a sibling terminal hardware provider within the same corporate family and a key infrastructure supplier to PAYONE's acceptance offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCM7Eky84PKzkyTILI6xga-Q
• Facebookfacebook.com/PAYONEGmbH
• LinkedInlinkedin.com/company/b-s-card-service-gmbh
• Instagraminstagram.com/payone_gmbh
• Xx.com/bs_card_service

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 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 B+S Card Service