Heidelpay

Name

Heidelpay

Legal name

Unzer Group GmbH

Website

https://heidelpay.de

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

101–250 employees

Short description

Unzer (formerly Heidelpay) is a German payment service provider offering a unified platform for e-commerce, point-of-sale, and buy-now-pay-later solutions, serving over 90,000 merchants across the DACH region.

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), Sales Financing (52222)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE), Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)

Keywords

• Payment processing services
• Buy now pay later
• Point of sale solutions
• E-commerce payment gateway
• Merchant payment platform

Headquarters

HQ city

Heidelberg

HQ country

Germany

HQ region

Europe

Offices2 records

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. Payment Processing & Transaction Fees: Core revenue stream from processing payment transactions across multiple channels including credit cards, debit cards, SEPA direct debit, Buy Now Pay Later, and digital wallets. Merchants pay per transaction processed.
2. Hardware Sales: POS Go terminals and iPad Kasse systems sold or leased to merchants. Includes the Unzer Startbonus offering first 2 months free rental.
3. Software/SaaS Subscriptions: Cloud-synced cash register software with monthly rental model for iPad Kasse. Includes support, automatic updates, and compliance features.
4. BNPL Services: Buy Now Pay Later offerings including invoice purchase and installment payments, with Unzer providing payment guarantee and taking on credit risk.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Heidelpay (now operating as Unzer) is a German payment service provider that operates a unified commerce platform enabling merchants to accept all major payment methods across e-commerce, buy-now-pay-later (BNPL), and point-of-sale (POS) channels. The offering includes credit/debit card processing, SEPA direct debit, invoice and installment payments, digital wallets, and proprietary POS hardware (POS Go terminal, iPad Kasse cash register), integrated via REST APIs, SDKs, and pre-built plugins for Shopify, Shopware, Magento, and OXID.

Product overview

Unzer (formerly Heidelpay) is a payment platform offering a comprehensive portfolio of payment solutions across E-commerce, Buy Now Pay Later (BNPL), and Point of Sale (POS) channels. The core Unzer Payment Platform serves as the central hub enabling Unified Commerce across all channels. E-commerce solutions integrate via pre-configured payment pages, REST-API, SDKs, and plugins (Shopify, Shopware, Magento, OXID). BNPL offerings include Rechnungskauf (invoice purchase), Ratenkauf (installment), and Lastschrift (direct debit) with integrated risk assessment and receivables management. POS products include the Android-based POS Go terminal with all-in-one hardware/software, iPad Kasse for stationary use, and industry-specific Gastronomie-Lösungen. Additional modules include Wero (European digital payment), Unzer Financial Services, Risk Management, and unified commerce capabilities connecting online and offline channels.

Differentiator

Problem solved

Functional benefit

Brands

• POS Go: All-in-one payment terminal combining compact hardware with software for point-of-sale operations
• Unzer Financial Services
• Wero
• iPad Kasse

Products and services

• Unzer Payment Platform Central payment platform enabling acceptance of all payment methods across e-commerce, buy now pay later, and point of sale channels with unified commerce capabilities, serving online and physical retail merchants.
• E-Commerce Payment Solutions Payment solutions for online shops offering customers preferred payment methods, smart fraud protection, and seamless checkout experience in web and mobile app environments, targeted at e-commerce merchants.
• Buy Now Pay Later (BNPL) Flexible payment solutions including invoice purchase, installment payments, and direct debit available both online and at point of sale, with Unzer payment guarantee for secure liquidity, designed for online retailers and physical merchants.
• Rechnungskauf (Invoice Purchase) Invoice-based payment with complete risk assessment of end customers and included receivables management, increasing purchase probability, targeted at e-commerce merchants in the DACH region.
• Ratenkauf (Installment Purchase) Installment payment solution enabling customers maximum flexibility with individual payment intervals, automatic credit checks, and receivables processing managed by Unzer, designed for online retailers.
• Lastschrift (SEPA Direct Debit) SEPA direct debit payment method popular in the DACH region, offering simple usage, high security standards, and trust bonus, with whitelabel option available, targeted at e-commerce and POS merchants.
• POS Go All-in-one Android-based payment terminal with 100% touchscreen, 4G multi-SIM connectivity, NFC for contactless payments, front and rear cameras for QR/barcode scanning, and up to 17 hours battery life or 1,300 transactions per charge, designed for retail and hospitality merchants.
• iPad Kasse Stationary cloud-synchronized cash register solution for iPad with tax-compliant software, dealer support, employee management, automatic updates, and 24/7 support, targeted at gastronomy and retail merchants.
• Gastronomie-Lösungen (Restaurant Solutions) Industry-specific POS packages for the hospitality sector including restaurant ordering system, table management, and branch-specific features, designed for restaurants, cafes, and food service businesses.
• Wero European digital payment solution developed by European banks offering simple handling and high security standards for digital transactions across Europe, integrated as a payment method for merchants.
• Unzer Financial Services Financial services offering within the Unzer ecosystem for expanded business capabilities, targeted at merchants seeking integrated financial solutions.
• Risikomanagement (Risk Management) Fraud prevention and risk management tools integrated into the payment platform for secure transaction processing, designed for merchants needing protection against payment fraud.
• Unified Commerce Central payment platform connecting all sales channels (online and offline) for seamless commerce operations across the business, with cloud-synchronized inventory and sales data, targeted at omnichannel retailers.
• Shopify Plugin Free Shopify integration plugin enabling BNPL, invoice purchase, installment payments, and Pay-by-Bank direct transfers, designed for growing Shopify brands to maximize conversion rates and average cart value.
• Shopware Plugin Shopware plugin enabling all popular payment methods with simple integration without technical expertise, designed for Shopware-based online shops.
• Magento Plugin Payment plugin for Magento shops installable via MagentoConnect, suitable for small, medium, and large online shops, providing comprehensive payment acceptance capabilities.
• OXID Plugin Optimized module for OXID eShop enabling all relevant payment methods to maximize conversion rates, designed for OXID-based online shops.

Quantifiable outcome

• Higher shopping cart values with Buy Now Pay Later options
• +3 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability1 record

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• ShopifycoreTechnology or IntegrationUnzer offers a free Shopify plugin enabling Buy Now Pay Later, invoice purchase, installment payments, and Pay-by-Bank direct transfers. The plugin is designed for growing Shopify brands and includes Unzer BNPL solutions to maximize conversion rates and average cart value. Available in Shopify App Store.
• ShopwarecoreTechnology or IntegrationUnzer Shopware plugin enables seamless integration of all relevant payment methods without technical expertise. Merchants can offer customer-favorite payment options with simple plugin installation through the Shopware Store.
• Magento (Adobe Commerce)coreTechnology or IntegrationUnzer payment plugin for Magento available for small, medium, and large online shops. Can be conveniently installed via MagentoConnect marketplace, providing comprehensive payment acceptance capabilities.
• Wero (European Banks Consortium)coreStrategic or Co-development PartnerWero is a European digital payment solution developed by European banks in which Unzer participates as a payment service provider. Wero offers simple handling and high security standards for digital payments across Europe, supporting Unzer's geographic expansion beyond DACH.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@unzer-payments
• LinkedInlinkedin.com/company/heidelberger-payment-gmbh
• Instagraminstagram.com/unzer_payments

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Heidelpay