Heidelpay
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.
- Company typePrivate
- Founded2003
- HeadquartersHeidelberg, Germany
- Headcount101–250
- GTM typeB2B
- OfferingServices
Heidelpay firmographics
Firmographics- 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
Heidelpay industry classification
Industry- 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
Where Heidelpay is headquartered
LocationHeadquarters
- HQ city
- Heidelberg
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Heidelpay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- 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.
- Hardware Sales: POS Go terminals and iPad Kasse systems sold or leased to merchants. Includes the Unzer Startbonus offering first 2 months free rental.
- Software/SaaS Subscriptions: Cloud-synced cash register software with monthly rental model for iPad Kasse. Includes support, automatic updates, and compliance features.
- 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
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | POS Go Terminal - Contactless payment terminal with all-in-one functionality |
| Subscription | Monthly | iPad Kasse - Cloud-synced cash register solution with 24/7 support |
| Transaction based/ take rate | Pay-as-you-go | E-commerce Plugins - Shopify, Shopware, Magento, OXID integrations |
| Transaction based/ take rate | Pay-as-you-go | BNPL Solutions - Invoice and installment payment processing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Heidelpay product offering
Product offeringCore 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
Companies that use Heidelpay
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles4 records
Heidelpay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability1 record
Feature6 records
Heidelpay partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- ShopifycoreUnzer 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.
- ShopwarecoreUnzer 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)coreUnzer 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)coreWero 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
Heidelpay competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
Heidelpay social profiles
Digital presenceHeidelpay compliance and trust
Trust signalCompliance2 records
Heidelpay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Heidelpay leadership team
Management profileNumber of profiles
Heidelpay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Heidelpay M&A and investment
M&A and investmentM&A5 records
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Heidelpay
What does Heidelpay do?
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.
Is Heidelpay a public or private company?
Heidelpay is a private company. It is classified as unknown and is currently operating.
When was Heidelpay founded?
Heidelpay was founded in 2003. It employs 101 to 250 people.
Where is Heidelpay based?
Heidelpay is headquartered in Heidelberg, Germany, in the Europe region.
How does Heidelpay make money?
Four revenue lines are on record. Payment Processing & Transaction Fees are the primary driver. The others are hardware Sales, software/SaaS Subscriptions and BNPL Services.
Does Heidelpay have an API?
Yes. Flexible integration via pre-configured payment page, SDKs, REST-API or plugins. Supports website, in-app payments and Pay by Link. Developer documentation is at docs.unzer.com.
What industry is Heidelpay in?
Heidelpay's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing). Its NAICS code is 52232 and its SIC code is 7320.