What PHARMAPLAN does

Pharmaplan Verlag & Marketing GmbH & Co. KG is a privately held German company founded in 2000 that operates as a commercial network operator (kaufmännischer Netzbetreiber) for PAYONE GmbH, reselling cashless payment processing services to small and medium-sized merchants in Germany. Its offering spans the full payment workflow — provision of stationary and mobile Ingenico payment terminals (Desk 5000, Desk 3500, Move/5000), connection to the PAYONE network, real-time transaction authorization against Europe's largest merchant block file (Händlerweisungsdatei), and settlement. The technology stack is conventional electronic payment infrastructure rather than proprietary IP: hardware from Ingenico, processing and risk data from PAYONE, and integration into customers' POS and inventory management (Warenwirtschaftssystem) systems. Pharmaplan earns revenue primarily through transaction fees on processed payments and terminal provision/rental; pricing is not publicly disclosed and is described as customized per merchant.

Name

PHARMAPLAN

Legal name

Pharmaplan Verlag und Marketing GmbH & Co. KG

Website

https://pharma-plan.de

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Payment Processing Services

SIC

Wholesale-Professional & Commercial Equipment & Supplies (5040)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment processing services
• Electronic payment systems
• Payment terminals
• Cashless payment processing
• Commercial network operator

Headquarters

HQ city

Gauting

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Transaction Processing: Pharmaplan earns revenue through transaction fees charged for processing cashless payments. The company provides terminals, handles payment routing through PAYONE, manages transaction verification via the block file, and processes settlements for merchants.
2. Terminal Provision and Rental: Provision and ongoing service of payment terminals (stationary and mobile) to merchants for accepting cashless payments

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Pharmaplan operates as a commercial network operator (kaufmännischer Netzbetreiber) for PAYONE GmbH, providing electronic cashless payment solutions to German businesses. The company supplies stationary and mobile payment terminals (Ingenico Desk 5000, Desk 3500, Move/5000), integrates payment processing with POS/Warenwirtschaftssystem software, and handles complete transaction workflows including authorization via Europe's largest blocking database (Händlerweisungsdatei), fraud prevention, and settlement.

Product overview

Pharmaplan is a commercial network operator (Kaufmännischer Netzbetreiber) for PAYONE, offering a comprehensive electronic payment system portfolio. The product portfolio centers on payment terminals (Ingenico Desk 5000, Desk 3500, and Move/5000) for stationary and mobile card payments, supported by complete payment processing services that include POS system integration, real-time transaction authorization, and connection to Europe's largest blocking database. Services cover Girocard/EC-Karte, MAESTRO, credit cards, and contactless/girogo payment methods. The company targets healthcare, retail, and software house sectors with their payment solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Ingenico Desk 5000 Stationary card payment terminal designed for fixed-point-of-sale use, providing seamless transaction processing with optimal business management capabilities. Targeted at pharmacies and retail businesses requiring reliable in-store card payment acceptance.
• Ingenico Desk 3500 Stationary payment terminal offering card-based transactions with advanced technology for payment processing. Designed for fixed retail point-of-sale environments.
• Ingenico Move/5000 Portable payment terminal with WLAN/Bluetooth/GPRS connectivity and modern encryption technology for secure card payments on the move. Suited for mobile merchants and on-the-go transactions.
• Zahlungsabwicklung (Payment Processing) Complete payment processing service including terminal provision, point-of-sale integration, real-time authorization, connection to Europe's largest blocking database (Händlerweisungsdatei), and transaction settlement. Targeted at merchants that require full-stack cashless payment acceptance and processing.
• Bargeldloser Zahlungsverkehr (Cashless Payment Services) Comprehensive cashless payment services including provision of modern terminals (stationary and mobile), pads for signatures and fingerprints, contactless payment solutions, and consultation for optimized payment solutions. Offered to pharmacies, retail businesses, and software house partners.
• POS/Warenwirtschaftssystem Integration Software integration service connecting payment terminals with point-of-sale and inventory management systems, enabling real-time payment booking and automated transaction recording. Delivered to software houses (Softwarehäuser) for resale to their POS software customers.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• PAYONE GmbHcoreChannel Partner/ Reseller/ Distributor · 1 January 2004Pharmaplan is the commercial network operator (kaufmännischer Netzbetreiber) of PAYONE since 2004. PAYONE is Europe's leading network operator and has access to the largest block file in Europe (Händlerweisungsdatei). This is a flagship partnership where Pharmaplan resells PAYONE's complete cashless payment portfolio.
• Agenda Inkasso GmbHminorOthersLong-term partner for business information - debt collection worldwide - dubious debt collection (monitoring of titled claims).
• FACTS WerbeagenturminorGTM or Marketing PartnerFull-service agency with focus on marketing and communication solutions with sales-promoting character. Long-standing successful collaboration.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Heidelberger Payment GmbH: German payment service provider offering cashless payment processing and terminal solutions. Comparable Netzbetreiber-style role serving German SMB merchants.
• CardProcess GmbH: German payment service provider specializing in card acceptance and terminal solutions for SMBs in retail, gastronomy, and service. Comparable product portfolio and customer profile to Pharmaplan.
• B+S Card Service GmbH: German payment service provider and PayFac offering terminal provisioning and acquiring services to merchants. Competes directly with Pharmaplan for retail and SMB payment processing relationships in Germany.
• easycash GmbH: Historical PAYONE partner and German commercial network operator for cashless payments. Closest direct competitor to Pharmaplan with identical Netzbetreiber model, same PAYONE upstream, and similar SMB focus.

Broad incumbents

• Nexi Group: European payments incumbent (including former Concardis/Wordline Germany) with acquiring and merchant services across DACH. Threatens PayFac resellers by onboarding SMBs directly.
• VR Payment GmbH: Payment processor owned by the German cooperative banking group (DZ BANK). Provides acquiring, payment processing and terminal services across Germany with much broader institutional backing than Pharmaplan.
• Concardis (now Nexi Germany): Historical German payment processor now part of Nexi, serving as a Netzbetreiber/acquirer for many German SMBs. Same upstream acquirer relationships and merchant segments as Pharmaplan.
• Worldline SA: European payments incumbent serving merchants of all sizes with acquiring, terminals and processing. Competes with Pharmaplan indirectly by offering direct merchant acquisition that bypasses local Netzbetreiber.
• Adyen NV: Global PayFac/acquirer with unified commerce platform. Increasingly relevant to enterprise SMB and chain merchants that might otherwise route through German PayFac resellers like Pharmaplan.

Emerging players

• SumUp Limited: European SMB payments challenger offering mPOS terminals and payment processing to small merchants. Targets the same small retail and pharmacy segments as Pharmaplan with a self-service digital model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

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 PHARMAPLAN