Viacash
Viacash operates a bank-independent European payment infrastructure that lets consumers deposit and withdraw cash — and pay bills or online purchases — at retail checkout via a barcode generated in partner banking apps, serving digital-bank customers across Germany, Austria, Italy, Greece, Spain, and Switzerland.
- Company typePrivate
- Founded2013
- HeadquartersBerlin, Germany
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Viacash does
Viacash, operated by viafintech GmbH and headquartered in Berlin, is a bank-independent payment infrastructure that enables consumers to deposit and withdraw cash — and to pay bills or settle online purchases — at retail checkout via a barcode generated inside their banking app. The core flow has the customer select a transaction amount in a partner bank's mobile app, receive a barcode, and present it at a partner retailer (such as Rewe, dm, Penny, Billa, SBB ticket machines, or Bonpreu/CSQ) where the cashier scans it and the cash is exchanged in real time with instant account crediting or debiting. The technology stack is built around barcode-based transaction routing, multi-channel barcode delivery (mail, email, SMS), real-time settlement confirmations via push notification, and white-label integration into partner banking apps. The service is free to end consumers; revenue is generated through per-transaction commissions paid by retailers and payment-service fees handled via licensed banking partners — Grenke Bank AG in Germany, Austria, Greece, and Spain, and Hypothekarbank Lenzburg AG in Switzerland.
Viacash operates a B2B2C distribution model. On the demand side it integrates with digital and incumbent banks (N26, Bunq, DKB, Sparda Bank, Fidor Bank, HYPE, illimity) so that the cash service is embedded directly into their apps; on the supply side it contracts with retail chains that serve as physical acceptance points, totaling roughly 12,000+ stores in Germany, 2,600 in Austria, 3,000 in Spain, 1,600 SBB machines in Switzerland, and additional locations in Italy and Greece. The company is self-described as the largest bank-independent cash payment infrastructure in Europe, serving customer segments that include direct-bank customers without branch access, older cash-preferring consumers, and underbanked users — segments that align with the 74% cash share of German transactions, 86% in Italy, and 88% in Greece.
Beyond core cash-in/cash-out, Viacash has extended the rail into bill payment for utilities, government, and insurance (e.on, Bundesagentur für Arbeit, Generali), e-commerce settlement (Rakuten.de), and transport (SBB, Air Prishtina, Kosova Airlines), and offers a Viacash Buyer Protection add-on reimbursing online buyers up to €500 for non-delivery or misdescribed goods. The legal entity, viafintech GmbH, is a German private limited liability company registered in Berlin (HRB 136749 B) with a branch office in Zürich; the company is privately held with no parent company or disclosed institutional investors in the source materials, and the management team comprises Weina Wang, Thomas Cezary Lewicki, and Frank Weinmann, with Lena Holderegger managing the Swiss branch.
Viacash firmographics
Firmographics- Name
- Viacash
- Legal name
- viafintech GmbH
- Website
- https://viacash.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Viacash operates a bank-independent European payment infrastructure that lets consumers deposit and withdraw cash — and pay bills or online purchases — at retail checkout via a barcode generated in partner banking apps, serving digital-bank customers across Germany, Austria, Italy, Greece, Spain, and Switzerland.
- Ownership category
- akta.pro rank
Viacash industry classification
Industry- Product category
- Cash Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Functions Related To Depository Banking, Nec (6099), Finance Services (6199)
- akta.pro primary industry
- Cash-to-Digital Networks (PayNearMe, Barcode/Cash-in) (MPAEALAF)
- akta.pro secondary industry
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where Viacash is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Viacash business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Retailer Commission: Viacash charges retailers a commission fee for each cash transaction processed at their checkout. Retailers benefit from increased foot traffic and customer convenience.
- Payment Service Fees: In Germany, Austria, Greece, and Spain, the payment service is provided by Grenke Bank AG. In Switzerland, SBB accepts amounts on behalf of Hypothekarbank Lenzburg AG.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Viacash product offering
Product offeringCore offering
Viacash operates a bank-independent payment infrastructure that enables consumers to deposit and withdraw cash at retail checkout via barcode scanning. Customers generate a barcode through a partner bank's mobile app, present it at partner retailer checkout counters (such as Rewe, dm, Penny, Billa, or SBB ticket machines), and complete instant cash transactions. The same infrastructure also enables cash-based bill payment, online purchase settlement, and cash disbursement, with real-time account crediting and no minimum purchase or registration required.
Product overview
Viacash operates as a single unified product—a bank-independent payment infrastructure that enables cash deposits, withdrawals, and bill payments at retail partner stores via barcode scanning. The core Viacash service is supplemented by a Buyer Protection add-on. In Germany and Austria, the same service is branded as Barzahlen/Viacash. The product connects partner banks and their customers with retail locations, allowing cash transactions without the need for ATMs or bank branches.
Differentiator
Problem solved
Functional benefit
Products and services
- Viacash (including Barzahlen/viacash regional brand) Bank-independent payment infrastructure enabling cash deposits and withdrawals at retail checkout via barcode scanning. Customers of partner banks (N26, Bunq, DKB, Sparda, Fidor, HYPE, illimity) generate a barcode in their banking app, present it at a partner store checkout (Rewe, dm, Penny, Rossmann, Billa, SBB), and either deposit or withdraw cash without a minimum purchase or registration. The same infrastructure supports cash bill payment and online purchase settlement, with real-time account crediting. Branded as Barzahlen/viacash in Germany and Austria.
- Viacash Buyer Protection
Quantifiable outcome
- 74% of transactions in Germany are cash-based (per Deutsche Bundesbank 2017)
- +2 more outcomes
Companies that use Viacash
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles4 records
Viacash technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Viacash partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- N26coreN26 integrates viacash into their banking app, allowing N26 customers to deposit and withdraw cash at partner retail stores in Germany, Austria, and Italy by generating barcodes in the app.
- BunqcoreBunq banking customers can access viacash cash deposit and withdrawal services through the Bunq app at partner retail locations.
- DKBcoreDKB bank customers utilize the viacash network for cash transactions at partner stores in Germany.
- HYPEcoreItalian digital bank HYPE provides viacash cash services to customers in Italy.
- Rewe GroupcoreRewe operates 11,700+ stores in Germany (Rewe, Penny, real) that serve as cash acceptance points for viacash transactions. Major retail partner driving foot traffic to stores.
- dm-drogerie marktcoredm operates drugstore chains across Germany, Austria, and other markets, providing convenient viacash cash transaction locations with extended operating hours.
- BillacoreBilla supermarket chain (part of REWE Group) operates ~2,600 stores in Austria accepting viacash cash transactions.
- SBB (Swiss Federal Railways)coreSBB operates 1,600 ticket vending machines across Switzerland that accept viacash barcodes for bill payment and cash transactions, available 24/7.
- Bonpreu and CSQcoreSpanish retail chains with 3,000 combined stores in Spain offering viacash cash services.
- Bazaar (Greece)minorGreek supermarket chain with 110+ stores offering viacash services in Greece.
- e.onminorGerman utility company accepts viacash/barzahlen for bill payment, allowing customers to pay electricity and gas bills with cash at partner retail stores.
- Bundesagentur für ArbeitminorGerman Federal Employment Agency offers viacash as a payment option for government-related payments in the DACH region.
- Rakuten.deminorRakuten German e-commerce platform accepts viacash as payment method, enabling online shoppers to pay with cash at retail stores.
- GeneraliminorAustrian insurance company Generali accepts viacash for insurance premium payments via cash at partner retail stores.
- Air PrishtinaminorAirline partner accepting viacash for ticket purchases, available in Switzerland.
- Kosova AirlinesminorAirline partner allowing ticket purchases via viacash payment method.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Viacash competitors and assessment
Company assessmentDirect peers
- Neosurf: Cash voucher solution sold at European retail locations and used for online payments — directly comparable cash-to-digital payment infrastructure, with retail point-of-sale distribution.
- PayNearMe: US-based cash-to-digital network that lets consumers pay bills and deposit/withdraw cash at retail checkout via barcode — the closest international analog to Viacash's model, operating at US retail chains.
- CASHlib: Cash voucher service widely used in France for online payments, distributed through retail partners — competing in the same pay-by-cash-at-retail-for-online-purchase category as viacash.
- Paysafecard (Paysafe): European prepaid cash voucher used for online payments, purchased at retail points-of-sale — a competing cash-to-online payment rail serving the same underbanked and cash-preferring consumer segments.
Broad incumbents
- Euronet Worldwide: Global payments and ATM operator offering cash-based payment and money transfer services across Europe — a larger incumbent operating in overlapping cash-transaction territory with broader geographic scale.
- Paysafe Group: Global payments platform combining Paysafecard cash vouchers with Skrill and Neteller digital wallets — a broader incumbent in the cash-to-online payment space with overlapping bill-pay and digital banking partnerships.
- Western Union: Global cash-to-digital and money-transfer network with extensive European retail agent presence — broader incumbent providing similar cash-access and bill-payment services at retail locations.
Emerging players
- Dwolla: US-based account-to-account payment platform serving fintechs and digital banks with white-label APIs — comparable to the white-label, bank-integrated payment infrastructure Viacash provides to its digital-bank partners.
Others
- Plaid: Open-banking connectivity layer that enables neobanks and fintechs to link to customer bank accounts — adjacent enabling infrastructure for the same digital-bank partners Viacash serves, and a potential integration or distribution partner.
Regional players
- Cashpoint (Monext/BPCE ecosystem): French cash-voucher service for online purchases distributed via retail — operates in adjacent French market with the same cash-to-digital retail model as viacash, primarily serving France rather than the DACH/Italian markets.
Market position
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Viacash social profiles
Digital presenceViacash financial estimates
Financial estimateRevenue estimate
Valuation estimate
Viacash leadership team
Management profileNumber of profiles
Profiles4 records
Viacash funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Viacash 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 Viacash
What does Viacash do?
Viacash operates a bank-independent payment infrastructure that enables consumers to deposit and withdraw cash at retail checkout via barcode scanning. Customers generate a barcode through a partner bank's mobile app, present it at partner retailer checkout counters (such as Rewe, dm, Penny, Billa, or SBB ticket machines), and complete instant cash transactions. The same infrastructure also enables cash-based bill payment, online purchase settlement, and cash disbursement, with real-time account crediting and no minimum purchase or registration required.
Is Viacash a public or private company?
Viacash is a private company. It is classified as unknown and is currently operating.
When was Viacash founded?
Viacash was founded in 2013. It employs 51 to 100 people.
Where is Viacash based?
Viacash is headquartered in Berlin, Germany, in the Europe region.
How does Viacash make money?
Two revenue lines are on record. Retailer Commission is the primary driver. The others are payment Service Fees.
Who are Viacash's main competitors?
Direct peers on record are Neosurf, PayNearMe, CASHlib and Paysafecard (Paysafe). Broad incumbents are Euronet Worldwide, Paysafe Group and Western Union. Dwolla is listed as an emerging player. Plaid is listed as an others. Cashpoint (Monext/BPCE ecosystem) is listed as a regional player.
Does Viacash have an API?
No public API is recorded for Viacash.
What industry is Viacash in?
Viacash's product category is Cash Payment Infrastructure. Its primary akta.pro industry code is MPAEALAF, Cash-to-Digital Networks (PayNearMe, Barcode/Cash-in), with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 52232 and its SIC code is 6099.