Lynck Solution
Berlin-based payment service provider and wholly-owned subsidiary of Volksbank eG cooperative bank, offering modular payment processing, ML-based risk management, and receivables management to 50,000+ e-commerce and POS merchants across Europe via a single API supporting 20+ payment methods.
- Company typePrivate
- Founded-
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Lynck Solution does
Lynck Solution GmbH is a Berlin-based payment service provider (PSP) and a 100% wholly-owned subsidiary of Volksbank eG – Die Gestalterbank, operating as part of the Volksbank Payment Group. The company delivers a modular payment ecosystem for e-commerce and point-of-sale merchants, encompassing payment processing across 20+ methods (credit cards, PayPal, Amazon Pay, Apple Pay, Google Pay, Klarna, Zinia, SEPA direct debit, invoice, and Open Banking via Mastercard's Pay by Bank), machine learning-based dynamic risk management, accounts receivable management with automated dunning, and professional debt collection through partner Accredis. Its platform serves over 50,000 merchants across Europe, processing approximately €4.5 billion in annual transaction volume, with PCI DSS certification maintained through annual SecuriCentrix audits.
The technology stack is API-first, offering four integration modes (full API, SecureFields iframe, Hosted Pages, and Pay by Link) backed by HMAC-SHA1 signed requests and a sandbox environment. Lynck provides pre-built plugins for 11+ e-commerce platforms including Shopware, Magento, WooCommerce, OXID, JTL, PlentyONE, and OroCommerce, alongside EBICS-based automatic payment reconciliation for German banking standards. The CrefoPay by lynck joint product with Creditreform combines payment processing with business credit data and solvency verification, targeting B2B e-commerce.
The business model is primarily transactional, charging per-transaction fees on payment processing, risk assessment, and dunning/collection services, with pay-as-you-go billing. Pricing is quote-based and customized by merchant transaction volume (ranging from under €100k to €10M+ annually). Go-to-market combines direct enterprise sales with channel distribution through the Volksbank eG cooperative banking network, affiliated payment group companies (First Cash Solution, Cazendo, POS-Cashservice, Gissih, Gewinnblick, Card4Vend), and payment method partners (PPRO for European local methods, xpay.de for POS terminals). Revenue is not publicly disclosed.
Lynck Solution firmographics
Firmographics- Name
- Lynck Solution
- Legal name
- Lynck Solution GmbH
- Website
- https://lynck.de
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Berlin-based payment service provider and wholly-owned subsidiary of Volksbank eG cooperative bank, offering modular payment processing, ML-based risk management, and receivables management to 50,000+ e-commerce and POS merchants across Europe via a single API supporting 20+ payment methods.
- Ownership category
- akta.pro rank
Lynck Solution industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Custom Computer Programming Services (541511)
- SIC
- Services-Computer Processing & Data Preparation (7374), Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
- akta.pro secondary industries
- POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC), Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)
Keywords
Where Lynck Solution is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Lynck Solution business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- Payment Transaction Processing: Fees charged per transaction processed through the platform covering various payment methods including credit cards, direct debit, invoice, PayPal, and Open Banking solutions
- Risk Management Services: Risk assessment and fraud prevention services including solvency checks, address verification, and identification checks integrated into the payment flow
- Dunning and Collection: Professional debt collection services through partner Accredis with automatic escalation on unpaid invoices and failed direct debits
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom enterprise pricing based on transaction volume |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels5 records
Lynck Solution product offering
Product offeringCore offering
Lynck Solution is a German payment service provider (PSP) that operates a modular interface for digital payments across E-Commerce and Point of Sale channels. It sells payment processing, risk management, omnichannel solutions, and debt collection management (B2B and B2C) to merchants. Its platform is extended through certified plugins for Shopware, JTL, and WooCommerce and a broad partner network.
Product overview
Lynck Solution is a German payment service provider (PSP) offering a modular payment ecosystem for e-commerce and Point of Sale. The core platform centers on the lynck Hub merchant dashboard, which orchestrates all payment services. Payment solutions include: CrefoPay by lynck (joint product with Creditreform for online payment with integrated credit checks), Pay by Bank (Mastercard Open Banking solution), Rechnungskauf (invoice purchase with credit monitoring), pay by lynck (payment links via chat/email), and physical/virtual payment terminals. Risk management is handled through a machine learning-based module with configurable rules and solvency checks. Forderungsmanagement provides receivables management with automated dunning. The platform offers multiple integration approaches: direct API integration, SecureFields (secure iframe-based card collection), Hosted Pages (pre-built hosted payment experiences), and Pay By Link. Extensive e-commerce platform plugins are available for Magento, Shopware, WooCommerce, OXID, JTL-Shop, and others. PCI DSS Level 1 certified.
Differentiator
Problem solved
Functional benefit
Products and services
- Payment Processing for E-Commerce Modular payment processing solution for online merchants, integrated with shop systems such as Shopware, JTL, and WooCommerce, enabling acceptance of digital payment methods in e-commerce checkout flows.
- Payment Processing for Point of Sale Card and digital payment acceptance solution for physical retail checkouts, supporting in-store payment processing at the point of sale.
- Risk Management Risk management module for payment transactions, intended to help merchants monitor and mitigate default and fraud risk on accepted payments.
- Omnichannel Solutions Omnichannel payment solution that unifies payment processes and data across E-Commerce and Point of Sale channels, allowing merchants to manage payments consistently across online and physical sales channels.
- Debt Collection Management (B2B and B2C) Receivables and debt collection service covering both business-to-business and business-to-consumer defaults, provided as a value-added service alongside payment processing for merchants.
Companies that use Lynck Solution
Customer profileSegments4 records
Ideal customer profiles1 record
Lynck Solution technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration28 records
Feature12 records
Lynck Solution partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- CreditreformcoreJoint development of CrefoPay by lynck product combining Creditreform's credit data and business intelligence with lynck's payment processing technology for B2B and B2C online merchants requiring solvency checks and credit management.
- AccrediscoreProfessional dunning and collection service partner integrated into lynck platform. Automatically receives unpaid orders on due date or failed direct debit. Manages full dunning process including escalation to collection.
- PPROcorePayment infrastructure partner enabling processing of Bancontact, BLIK, eps, iDEAL, Przelewy24, TWINT, and Wero payment methods requiring separate merchant contracts.
- Mastercard (Pay by Bank)coreStrategic partnership for Pay by Bank Open Banking solution. Mastercard provides the payment infrastructure and destinationID for processing direct bank account payments.
- xpay.de (epay)minorThird-party payment terminal service provider for POS terminals. Handles terminal service, support, and maintenance for merchants requiring physical payment terminals.
Scale indicators5 records
Recent moves2 records
Expansion highlights6 records
Lynck Solution competitors and assessment
Company assessmentDirect peers
- Stripe: Leading global online payment processor with extensive API-first integrations, subscriptions, and fraud tooling. Competes with Lynck in European e-commerce and developer-led mid-market segments, with stronger brand and funding.
- Adyen: Global direct PSP offering unified online, in-store, and platform payments through a single API. Directly comparable to Lynck on omnichannel e-commerce/POS payment processing, though at materially larger scale and global reach.
- SumUp: European payments provider offering card readers, POS, and online payment acceptance primarily to SMBs. Comparable to Lynck's terminal and SMB merchant strategy across DACH and broader European markets.
- Mollie: European PSP headquartered in the Netherlands providing multi-method payment processing, plugins for major e-commerce platforms, and POS offerings. Closest like-for-like European mid-market competitor to Lynck in geography and target merchant.
- Computop: German PSP offering online, mobile, and POS payment processing with risk management and fraud prevention. Direct comparable to Lynck in DACH market with similar bank-ecosystem positioning and mid/enterprise merchant focus.
- Unzer: German-headquartered payment platform covering e-commerce, POS, and merchant acquiring with a focus on DACH and European SMBs. Overlaps with Lynck on multi-method processing, risk management, and omnichannel merchant services.
- Novalnet: German payment service provider offering multi-method online payment processing, risk management, and subscription billing focused on DACH and European e-commerce. Direct mid-sized PSP peer to Lynck with overlapping target customers.
- Heidelpay (part of Nexi/Worldline): German PSP providing e-commerce and POS payment processing with risk management; now part of the broader Nexi/Worldline group. Closely comparable to Lynck on DACH merchant focus and product scope.
Broad incumbents
- Worldline: One of Europe's largest payment service providers covering merchant acquiring, POS, online payments, and financial services. A broad incumbent whose DACH acquiring and online businesses overlap with Lynck's offering at much larger scale.
- Nexi: Pan-European payments incumbent offering merchant acquiring, card issuing, and digital payment services across multiple European countries. Comparable broad overlap with Lynck's merchant services, particularly through the Heidelpay/Concardis assets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Lynck Solution social profiles
Digital presenceLynck Solution compliance and trust
Trust signalCompliance1 record
Lynck Solution financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lynck Solution leadership team
Management profileNumber of profiles
Lynck Solution subsidiaries and ownership
Company hierarchySubsidiaries6 records
Lynck Solution funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lynck Solution 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 Lynck Solution
What does Lynck Solution do?
Lynck Solution is a German payment service provider (PSP) that operates a modular interface for digital payments across E-Commerce and Point of Sale channels. It sells payment processing, risk management, omnichannel solutions, and debt collection management (B2B and B2C) to merchants. Its platform is extended through certified plugins for Shopware, JTL, and WooCommerce and a broad partner network.
Is Lynck Solution a public or private company?
Lynck Solution is a private company. It is classified as corporate owned and is currently operating.
When was Lynck Solution founded?
Lynck Solution was founded in -1. It employs 11 to 50 people.
Where is Lynck Solution based?
Lynck Solution is headquartered in Berlin, Germany, in the Europe region.
How does Lynck Solution make money?
Three revenue lines are on record. Payment Transaction Processing is the primary driver. The others are risk Management Services and dunning and Collection.
Who are Lynck Solution's main competitors?
Direct peers on record are Stripe, Adyen, SumUp, Mollie, Computop, Unzer, Novalnet and Heidelpay (part of Nexi/Worldline). Broad incumbents are Worldline and Nexi.
Does Lynck Solution have an API?
Yes. Lynck offers a comprehensive payment API that enables e-commerce merchants to integrate multiple payment methods through a single integration. The API supports transaction management (create, reserve, capture, cancel, refund), user and payment instrument registration, subscriptions, address and solvency checks, and batch processing for recurring transactions. Integration options include: (1) Full API integration requiring PCI compliance; (2) SecureFields integration using lynck-hosted iframes for secure card data collection with reduced PCI scope; (3) Hosted Pages (before/after confirmation) for complete hosted payment experiences; (4) Pay By Link for creating payment links via API. The API uses HMAC-SHA1 signing for request authentication and supports webhook-based notification calls for transaction status updates. Sandbox environment available at sandbox.crefopay.de with separate credentials from production (api.crefopay.de). Developer documentation is at docs.lynck.de/api/index.html.
What industry is Lynck Solution in?
Lynck Solution's product category is Payment Processing Services. Its primary akta.pro industry code is CRAFALAH, Recurring Billing, Subscriptions & Tokenized Payments, with a secondary code of FSAMADAC, POS Payment Software & Middleware (Terminal OS, Apps, Device Management). Its NAICS code is 522320 and its SIC code is 7374.