What Bezahlexperten does

Bezahlexperten (legal entity: BE Bezahlexperten GmbH) is a Cologne-based payment service provider founded in 2017 that targets German small and medium-sized businesses (SMBs) with card payment terminals and transparent transaction-based pricing. The company operates as a commercial network operator (kaufmännischer Netzbetreiber), aggregating multiple payment service providers (VR Payment, Unzer, SumUp, Flatpay, myPOS) and terminal manufacturers (Nexi, CCV, Verifone, Ingenico) rather than running its own processing rails. Its product portfolio centers on two terminal models — the hybrid mobile/stationary S1F2 and the premium smartPOS CCV A960 — both featuring NFC/contactless acceptance, integrated multi-network SIM connectivity, and integration with 200+ cash register systems (including Korona, Vectron, Duratec, Posmatic).

The company's business model is built on a tiered flatrate pricing structure: a maximum 1.19% transaction fee that decreases with monthly card turnover (0.89% from 15K EUR, 0.69% from 25K EUR, 0.49% from 50K EUR+), with no monthly base fee, no terminal rental charge, and no PCI-DSS compliance fee. Contracts carry a 3-month minimum term, after which they are month-to-month. Revenue is generated almost entirely through transaction fees plus minor add-on services (5 EUR/month SIM rental, thermal paper rolls). Customer acquisition blends a self-service online configurator for lead capture with content marketing, paid search, an outbound sales team, a customer referral program (75 EUR vouchers), and a third-party partner program with commissions.

The company is privately held and owner-managed by co-founder Joachim Feger and Martin Göbert (Managing Directors), with no disclosed institutional investors or parent company. The recent "wyn" brand transition signals intent to internationalize beyond Germany. The organization employs 11-50 staff (claim of 30+ payment experts) supporting over 10,000 active merchant customers, and is currently investing in growth — adding people management and performance marketing roles — while relying on third-party SaaS tools (HubSpot CRM, Cloudflare, Google/Microsoft ad stacks) for its technology backbone.

Name

Bezahlexperten

Legal name

BE Bezahlexperten GmbH

Website

https://bezahlexperten.de

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Bezahlexperten (BE Bezahlexperten GmbH) is a Cologne-based payment service provider, founded in 2017, that supplies German SMBs with card payment terminals (S1F2, CCV A960) on a tiered flatrate pricing model (0.49%-1.19% per transaction, no fixed fees), serving 10,000+ merchants across 10+ verticals.

Ownership category

akta.pro rank

Product category

Merchant Card Payment Processing

SIC

Services-Computer Rental & Leasing (7377)

akta.pro primary industry

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Card payment processing
• Merchant payment terminals
• POS payment solutions
• Payment processing services
• Card acceptance solutions

Headquarters

HQ city

Köln

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction fee revenue: Revenue is generated primarily through a tiered usage-based transaction fee model. Merchants pay a percentage fee (max. 1.19%) on each card payment processed. Volume-based tiers reduce the fee as monthly card turnover increases: 1.19% up to 15,000 EUR, 0.89% from 15,000 EUR, 0.69% from 25,000 EUR, and 0.49% from 50,000 EUR. No monthly fixed fees, setup fees (one-time 29.99 EUR), or rental charges apply. Additional surcharges apply for commercial cards (+1.59%) and international cards (+1.49%).
2. Terminal rental/m附加值 services: Terminal hardware is provided as part of the service package (included in the transaction fee model), with no separate rental charge. Optional paid services include SIM card rental (5 EUR/month) and thermal paper rolls (13 EUR for 10 units).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels10 records

Core offering

BE Bezahlexperten GmbH rents card payment terminals (S1F2 hybrid mobile/stationary terminal and CCV A960 smartPOS) to German merchants and processes card transactions under a tiered flatrate pricing model with no fixed monthly costs. The company operates as a commercial network operator (kaufmännischer Netzbetreiber), aggregating multiple payment service providers and terminal manufacturers (Nexi, CCV, Verifone, Ingenico) to deliver transparent, usage-based pricing (0.49%–1.19% per transaction) for SMB merchants across Germany.

Product overview

Bezahlexperten (BE Bezahlexperten GmbH) is a payment service provider and card terminal rental company targeting German merchants. The product portfolio consists of two main card terminal hardware models — the S1F2 (hybrid mobile/stationary) and the CCV A960 (premium smartPOS with integrated printer) — both supported by a tiered flat-rate pricing structure (max. 1.19% per transaction, decreasing with volume). The terminals integrate with 200+ POS/cash register systems and accept all major card types including Girocard, Visa, Mastercard, and NFC mobile payments (Apple Pay, Google Pay). The company operates exclusively as a B2B terminal rental provider with no public API.

Differentiator

Problem solved

Functional benefit

Products and services

• S1F2 Card Payment Terminal

Quantifiable outcome

• Average ROI of 286% for customers over 3 years
• +6 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

14 partnerships are on record, tiered core and supporting.

• HubSpotcoreTechnology or IntegrationHubSpot CRM is used as the primary customer relationship management platform for managing customer contacts, tracking sales activities, automating marketing campaigns, analyzing sales data, managing customer support tickets, conducting email campaigns, and deploying AI chatbots for customer interactions. HubSpot is classified as a Data Processor under GDPR with Data Privacy Framework (DPF) compliance for US data transfers.
• CloudflaresupportingTechnology or IntegrationCloudflare provides Content Delivery Network (CDN) services to accelerate the delivery of web content, particularly large media files and scripts, through regionally distributed servers. The service enhances website performance, security, and reliability for Bezahlexperten's online properties.
• TrustindexsupportingTechnology or IntegrationTrustindex is a review platform used by Bezahlexperten to aggregate and display customer reviews and testimonials. It enables the company to showcase verified customer feedback on its website, building social proof and credibility.
• SalesViewersupportingTechnology or IntegrationSalesViewer technology is used for marketing, market research, and optimization purposes. It collects company-related data through javascript-based code, capturing behavioral signals (e.g., website visits) that are used by the outbound sales team to identify and prioritize potential customers.
• Google (Analytics, Tag Manager, Ad Manager)supportingTechnology or IntegrationGoogle Analytics is used for web analytics and audience measurement. Google Tag Manager manages website tags for marketing and tracking. Google Ad Manager places display and search ads in Google's advertising network. All Google services operate under Data Privacy Framework (DPF) compliance for international data transfers.
• Microsoft (Advertising, Clarity)supportingTechnology or IntegrationMicrosoft Advertising is used for online marketing campaigns targeting potential customers through the Microsoft advertising network. Microsoft Clarity provides web analytics and user behavior insights. Both operate under DPF compliance for data transfers.
• HotjarsupportingTechnology or IntegrationHotjar Observe software is used for website analytics and optimization, including A/B testing, click tracking, and heatmap recording to understand user behavior and optimize the online experience.
• OMfire!supportingImplementation/ SI/ Consulting PartnerOMfire! is the online marketing agency responsible for Bezahlexperten's digital marketing activities, including the website and online presence.
• RAHN DATENSCHUTZ GmbHsupportingImplementation/ SI/ Consulting PartnerRAHN DATENSCHUTZ GmbH from Mönchengladbach serves as Bezahlexperten's external Data Protection Officer (Datenschutzbeauftragter), ensuring GDPR compliance and managing data protection responsibilities.
• wyn (brand transition)coreStrategic or Co-development Partnerwyn is the new brand identity being developed by Bezahlexperten for international expansion. The transition from Bezahlexperten to wyn represents a strategic rebranding initiative to create a modern, international identity. Social media management and brand-building for wyn are key priorities for the marketing team.
• Payment service providers (aggregated)coreTechnology or IntegrationBezahlexperten operates as a commercial network operator (kaufmännischer Netzbetreiber) that works with multiple payment service providers and terminal manufacturers to offer merchants the best combination of hardware and processing. Known integrations include Nexi (SmartPOS A960), CCV, Verifone, and Ingenico terminal manufacturers, and processing partners such as VR Payment, Unzer, SumUp, Flatpay, and myPOS.
• BorlabsCookiesupportingTechnology or IntegrationBorlabsCookie is used as the consent management platform (CMP) to collect, record, manage, and revoke user consent for cookies and tracking technologies, ensuring GDPR compliance.
• Instagram / MetasupportingGTM or Marketing PartnerBezahlexperten maintains a company presence on Instagram for brand-building and social media marketing. Meta Platforms Ireland operates as the data controller for Instagram, with DPF compliance for international data transfers.
• LinkedIn IrelandsupportingGTM or Marketing PartnerBezahlexperten maintains a LinkedIn company page. LinkedIn Ireland and Bezahlexperten are joint controllers for the collection of visitor data used to generate 'Page Insights' statistics. A Page Insights Joint Controller Addendum governs the allocation of responsibilities and data subject rights.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SumUp: SumUp is a global SMB card-payment acquirer offering mobile card readers and transparent per-transaction pricing across Germany. It is named directly in Bezahlexperten's configurator as a switching source, indicating direct competition for the same German SMB customers.
• Stripe Terminal: Stripe Terminal provides developer-oriented card-reader hardware and unified acquiring integrated with the broader Stripe payments platform. It targets SMBs and software-led merchants with transparent per-transaction pricing, overlapping Bezahlexperten's value proposition in card acceptance.
• Unzer: Unzer is a German-headquartered payment processor offering card acquiring and POS solutions to merchants. Listed in Bezahlexperten's own configurator as both a switching target and underlying processing partner, putting it in direct competition on customer relationships.
• myPOS: myPOS provides card terminals and merchant acquiring accounts targeting European SMBs with instant settlement and transparent fees. It appears in Bezahlexperten's competitive configurator and also operates as one of its underlying processing partners, making it both a competitor and a partial collaborator.
• VR Payment: VR Payment is the cooperative-bank-affiliated German card-acquiring and terminal provider serving SMB merchants. It is referenced in Bezahlexperten's configurator as a competitor and also acts as one of its underlying processing infrastructure partners.
• CCV Group: CCV is a European payment-terminal manufacturer and acquirer serving SMBs. It is both a hardware supplier to Bezahlexperten (CCV A960 terminal) and an acquirer competing for the same end merchants in Germany.
• flatpay: flatpay is a Nordic-origin SMB payment-acquiring challenger offering low flat-rate card acceptance to small merchants. It is explicitly referenced in Bezahlexperten's configurator as a competitor and operates with near-identical transparent-pricing positioning.

Broad incumbents

• Zettle by PayPal: Zettle, owned by PayPal, offers card readers and SMB payment-acceptance in Europe with integrated software and QR solutions. It is a comparable SMB card-acceptance proposition with the backing of a global payments incumbent.
• Nexi: Nexi is a large European payments incumbent operating terminal hardware and acquiring at scale. Bezahlexperten sources its CCV A960 smartPOS terminal from Nexi (smartPOS product line) and competes in the same German SMB acquiring market but from a vastly larger portfolio and broader geographic base.
• Square (Block): Square (Block) is a global SMB-focused payments and POS platform combining hardware, software and acquiring. Comparable to Bezahlexperten at the SMB card-acceptance layer but with vastly broader software ecosystem and adjacent financial services attached.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bezahlexperten
• Facebookfacebook.com/bezahlexperten

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Bezahlexperten