InfinitePay
InfinitePay, the SVEA GmbH brand in Mainz, provides integrated Buy Now Pay Later, debtor management, and debt collection services to DACH and international merchants, offering 100% payment protection up to 10,000 EUR for B2C and across 30 countries for B2B.
- Company typePrivate
- Founded2013
- HeadquartersMainz, Germany
- Headcount1–10
- GTM typeB2B
- OfferingServices
What InfinitePay does
InfinitePay is the DACH-facing product brand of SVEA GmbH, a privately held German limited liability company headquartered in Mainz. The company sells an integrated financial services platform combining three pillars: Buy Now Pay Later (BNPL) payment methods including purchase on invoice, direct debit, installments, and subscriptions; Debitorenmanagement, an automated order-to-cash process covering invoicing, payments, and dunning; and Inkasso, debt collection spanning pre-litigation, litigation, and title monitoring with worldwide reach. A core commercial differentiator is 100% payment protection for merchants, delivered through two add-on products: B2B Absicherung covering business transactions in 30 countries and B2C Absicherung covering private customer orders in Germany, Austria, and Switzerland up to 10,000 EUR.
The platform is delivered through two self-service portals, the InfinitePay Customer Portal (CP) for debt collection management and the InfinitePay Business Portal (BP) for payment processing, alongside a direct sales motion via phone and email. Revenue is generated through transaction fees on payment processing. No AI, machine learning, or data science capabilities are described in the available material; the technology stack appears to be conventional fintech plumbing with portal-based account management. Marketing and distribution run through the corporate website, direct phone outreach, and email-based inquiry handling, with no marketplace or reseller channels identified.
InfinitePay firmographics
Firmographics- Name
- InfinitePay
- Legal name
- SVEA GmbH
- Website
- https://infinitepay.de
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- InfinitePay, the SVEA GmbH brand in Mainz, provides integrated Buy Now Pay Later, debtor management, and debt collection services to DACH and international merchants, offering 100% payment protection up to 10,000 EUR for B2C and across 30 countries for B2B.
- Ownership category
- akta.pro rank
InfinitePay industry classification
Industry- Product category
- Payment Processing and Debt Collection Services
- NAICS
- Sales Financing (52222), Collection Agencies (561440), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industry
- Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)
Keywords
Where InfinitePay is headquartered
LocationHeadquarters
- HQ city
- Mainz
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
InfinitePay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing & BNPL: Buy Now Pay Later services providing payment options including purchase on invoice (Kauf auf Rechnung), direct debit (Lastschrift), installment payments (Ratenzahlungen), and subscriptions. Revenue generated through transaction fees and payment processing services.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
InfinitePay product offering
Product offeringCore offering
InfinitePay provides Buy Now Pay Later (BNPL) payment processing, debtor management (Debitorenmanagement), and debt collection (Inkasso) services to merchants and businesses primarily in the DACH region and across 30 countries for B2B transactions. Its offerings include purchase on invoice, direct debit, installment payments, and subscriptions with 100% payment protection coverage, plus automated order-to-cash processes (invoicing, payments, dunning) and pre-litigation, litigation, and international title-monitoring debt collection.
Product overview
InfinitePay operates as a unified payments and financial management platform built around three core product pillars: Buy Now Pay Later (BNPL) for flexible payment options, Debitorenmanagement (debtor management) for automated order-to-cash processes, and Inkasso (debt collection) services spanning pre-litigation to worldwide collection. The platform extends these capabilities through two insurance products—B2B Absicherung offering protection across 30 countries for business transactions, and B2C Absicherung providing coverage up to 10,000 EUR for private customers in the DACH region. The product portfolio is delivered through SVEA Germany's infrastructure, with dedicated customer portals for collection and payment management.
Differentiator
Problem solved
Functional benefit
Products and services
- Buy Now Pay Later (BNPL) Payment solution offering purchase on invoice, direct debit, installment payments, and subscriptions with 100% coverage protection for merchants, enabling them to offer flexible payment options to their customers without default risk.
- Debitorenmanagement (Debtor Management) Order-to-Cash process management covering invoicing, payments, and collection management, delivered as an automated and flexible service for businesses seeking to streamline receivables workflows.
- Inkasso (Debt Collection) Debt collection services including pre-litigation, litigation, and judgment (title) monitoring, with worldwide collection capabilities for businesses pursuing overdue receivables.
- B2B Absicherung (B2B Payment Protection) B2B payment protection covering transactions in 30 countries, enabling businesses to expand internationally without payment default risk on cross-border receivables.
- B2C Absicherung (B2C Payment Protection) B2C payment protection for private customers in the DACH region, securing consumer orders up to 10,000 EUR and providing purchase protection coverage for merchants' end customers.
Companies that use InfinitePay
Customer profileSegments2 records
Ideal customer profiles2 records
InfinitePay technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
InfinitePay partnerships and signals
Strategic signalScale indicators3 records
Expansion highlights4 records
InfinitePay competitors and assessment
Company assessmentDirect peers
- EOS Group: Major European debt collection and receivables management provider with DACH presence; overlaps with InfinitePay's Inkasso offering on pre-litigation, litigation, and international collection services.
- Klarna: Global BNPL leader with deep presence in the DACH region offering invoice, installment, and direct-debit payments to merchants; directly competes with InfinitePay's BNPL offering and has far stronger brand recognition and digital acquisition channels.
- Unzer: German payment service provider combining acquiring, BNPL, and merchant financing; overlaps with InfinitePay on payment processing and consumer credit offerings for DACH merchants.
- Ratepay: Berlin-based BNPL provider offering white-label invoice and installment payments to German and European merchants; directly comparable on product mix (Kauf auf Rechnung, Lastschrift, Ratenzahlung) and target customer segment.
- Billie: B2B BNPL provider offering invoice and installment financing to European SMEs; directly comparable to InfinitePay's B2B Absicherung product and cross-border receivables protection positioning.
- Riverty (Bertelsmann): DACH-focused BNPL and consumer finance provider offering invoice, installment, and direct debit; owned by Bertelsmann and explicitly targets the same German merchant base as InfinitePay with overlapping payment-method coverage.
Emerging players
- Scalapay: European BNPL provider expanding into DACH and other EU markets with merchant installment offerings; comparable to InfinitePay's BNPL product line on payment methods and merchant integration model, though with lighter coverage of DACH-specific needs.
- CollectAI (NTT Data): AI-driven digital debt collection platform acquired by NTT Data; offers automated dunning and collection workflows comparable to InfinitePay's Debitorenmanagement and Inkasso offerings, with a stronger technology and AI story.
Broad incumbents
- Creditreform: Established German credit bureau and receivables management firm offering business information, debt collection, and credit protection; comparable to InfinitePay on the debtor management and 100% coverage protection angle, but with broader information services.
- Arvato Financial Solutions: Large Bertelsmann-owned financial services provider offering BNPL, debt collection, and credit risk management across Europe; directly comparable on the integrated order-to-cash and collection stack InfinitePay markets to DACH merchants.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
InfinitePay social profiles
Digital presenceInfinitePay financial estimates
Financial estimateRevenue estimate
Valuation estimate
InfinitePay leadership team
Management profileNumber of profiles
InfinitePay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
InfinitePay 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 InfinitePay
What does InfinitePay do?
InfinitePay provides Buy Now Pay Later (BNPL) payment processing, debtor management (Debitorenmanagement), and debt collection (Inkasso) services to merchants and businesses primarily in the DACH region and across 30 countries for B2B transactions. Its offerings include purchase on invoice, direct debit, installment payments, and subscriptions with 100% payment protection coverage, plus automated order-to-cash processes (invoicing, payments, dunning) and pre-litigation, litigation, and international title-monitoring debt collection.
Is InfinitePay a public or private company?
InfinitePay is a private company. It is classified as corporate owned and is currently operating.
When was InfinitePay founded?
InfinitePay was founded in 2013. It employs 1 to 10 people.
Where is InfinitePay based?
InfinitePay is headquartered in Mainz, Germany, in the Europe region.
How does InfinitePay make money?
One revenue line is on record: payment Processing & BNPL.
Who are InfinitePay's main competitors?
Direct peers on record are EOS Group, Klarna, Unzer, Ratepay, Billie and Riverty (Bertelsmann). Emerging players are Scalapay and CollectAI (NTT Data). Broad incumbents are Creditreform and Arvato Financial Solutions.
Does InfinitePay have an API?
No public API is recorded for InfinitePay.
What industry is InfinitePay in?
InfinitePay's product category is Payment Processing and Debt Collection Services. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of FSAKAJAJ, Payment Processing for Collections (Lockbox, ACH, Card, IVR). Its NAICS code is 52222 and its SIC code is 6141.