Beyond by RS2

What Beyond by RS2 does

Beyond by RS2 is the innovation brand of RS2 Financial Services GmbH, a German BaFin-licensed E-Money institution and subsidiary of the RS2 Group (founded 1988). Headquartered in Neu-Isenburg, Germany, the company operates a cloud-native, API-first payment platform that unifies merchant acquiring and card issuing on a single technology stack built around its proprietary BankWORKS® core. The product surface covers end-to-end merchant acquiring (POS terminals, SoftPOS, eCommerce, cashier systems), a complete card issuing stack (physical, virtual, tokenized, wallet-enabled), BIN sponsorship for partners without banking licenses, and value-added services (reconciliation, fraud prevention, DCC, data analytics, factoring). Since November 2025, Beyond by RS2 has held principal issuing membership with both Visa and Mastercard in Europe, enabling independent card issuance and BIN sponsorship without third-party bank intermediaries.

The company serves a horizontal mix of customer segments: SMEs requiring integrated in-person and online payment acceptance, large enterprises needing customized corporate card programs and value-added services, fintechs and digital banks using BIN sponsorship to launch card programs, payment service providers expanding scheme access, and niche verticals such as German social service organisations and sports/media organisations. Go-to-market combines direct enterprise field sales, a tiered channel partner program (Bronze, Gold, Platinum) for ISVs, ISOs, Payfacs, and neobanks, and API-first self-service onboarding for merchants.

The revenue model is predominantly transaction-based: interchange and processing fees on acquiring and issuing volumes, recurring fees on BIN sponsorship and licensing (revenue share or wholesale/buy-sell models), partner program revenue share on referred merchant or cardholder portfolios, and transaction-based fees for value-added services. Pricing is custom and quote-based rather than publicly published, with annual, monthly, or pay-as-you-go billing cadences offered. The company is privately held with no public listing, no disclosed external funding rounds, and no M&A activity in the source material, operating as a brand-level division within the broader RS2 Group corporate structure.

Name

Beyond by RS2

Legal name

RS2 Financial Services GmbH

Website

https://beyondbyrs2.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

Beyond by RS2 is a German BaFin-licensed E-Money institution that provides a unified cloud-native payment platform combining merchant acquiring and card issuing, including BIN sponsorship. It serves SMEs, large enterprises, fintechs, and payment service providers across Europe.

Ownership category

akta.pro rank

Product category

Payment Processing & Card Issuing Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industries

SME & Business Cross-Border Payments (B2B) (FSAMAIAB), BNPL Card / Virtual Card Programs (FSAKACAC)

Keywords

• Payment processing platform
• Card issuing solutions
• Merchant acquiring services
• BIN sponsorship program
• Fintech payment infrastructure

Headquarters

HQ city

Neu Isenburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Payment Processing & Transaction Fees: Revenue generated from transaction processing fees across acquiring and issuing operations. Takes a percentage or fixed fee per transaction processed through the platform.
2. BIN Sponsorship & Licensing: Revenue from providing BIN sponsorship services to fintechs and partners who want to launch card programs using Beyond's licensed infrastructure. Partners can choose revenue share or buy/sell (wholesale) models.
3. Merchant Acquiring Services: Fees from enabling merchants to accept payments across multiple channels including POS terminals, eCommerce, and SoftPOS solutions.
4. Partner Program Revenue Share: Partners earn percentage of revenue from transactions processed by their merchant or cardholder portfolios through referral and resale arrangements.
5. Value-Added Services: Additional revenue from reconciliation, fraud prevention, DCC, data analytics, and factoring services.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Beyond by RS2 is a German BaFin-licensed E-Money institution that delivers a unified cloud-native payment platform combining merchant acquiring and card issuing. It enables businesses, fintechs, and payment service providers to accept payments globally across multiple channels (POS, eCommerce, SoftPOS) and launch branded card programs (physical, virtual, tokenized), with BIN Sponsorship as the key fintech-enablement offering that removes the need for partners to obtain their own banking license.

Product overview

Beyond by RS2 is a German BaFin-licensed E-Money institution offering a unified cloud-native payment platform that combines card issuing and merchant acquiring capabilities. The platform architecture centers on BIN Sponsorship for fintech enablement and a complete Issuing stack (tokenization, virtual/physical cards, wallets) alongside end-to-end Merchant Acquiring powered by the BankWORKS platform. Value-added services (Reconciliation, Fraud Prevention with AI/ML, DCC, Data Analytics, Factoring) extend the core platform. SME and Enterprise segments access solutions including Digital Onboarding, eCommerce, SoftPOS, Card Terminals (PAX, Base Next, Desk 5000, Move 5000), Cashier Systems, and card Issuing programs. Partners access the platform via Bronze/Gold/Platinum tiers for referral, resale, or integration models.

Differentiator

Problem solved

Functional benefit

Brands

• BankWORKS: Cloud-native payment processing platform used for acquiring capabilities, smart routing, clearing and settlement, fraud/risk controls, and scheme processing.
• Beyond

Products and services

• Beyond by RS2 Platform German-regulated E-Money-licensed cloud-native payment platform delivering integrated acquiring and issuing solutions, unifying card issuing and merchant acquiring on a single platform with real-time insights and advanced payment orchestration.
• BIN Sponsorship Enables fintechs, ISVs, PayFacs, and digital banks to design and manage their own card issuing and acquiring programs using Beyond's licensed E-Money infrastructure, without requiring their own banking license or direct card scheme membership.
• Card Issuing (Fintech Enablement) Complete issuing stack including tokenization, virtual and physical cards, wallet enablement, and full scheme connectivity via single API, designed for fintechs to launch card programs on Beyond's infrastructure.
• Merchant Acquiring End-to-end merchant acquiring with smart routing, clearing and settlement, fraud/risk controls, and scheme processing. Supports multi-currency, 200+ payment methods including card schemes, digital wallets, and Buy Now Pay Later.
• Enterprise Issuing Enterprise card programs with corporate hierarchy, departmental limits, partner programs, and sponsored programs. Fully customizable cards with flexible limits, advanced spending controls, and branded card designs integrated into ERP and financial systems.
• SME Issuing Card issuing solutions for small and medium enterprises enabling physical and virtual cards with custom branding, mobile wallets (Apple Pay, Google Pay), and global acceptance. Supports corporate cards, employee benefit cards, and merchant funding cards.
• Value Added Services Additional payment services including Reconciliation, Fraud Prevention + Monitoring, Dynamic Currency Conversion (DCC), Data Analytics, and Factoring. Extends the core payment platform with management and control tools.
• Digital Onboarding Automated merchant onboarding lifecycle from application submission and identity verification to AML screening, underwriting, and account activation. Includes KYC checks and real-time fraud prevention, enabling merchants to start within 48 hours.
• eCommerce Online payment acceptance solutions including Beyond Shop and Pay for SMEs and Beyond Global Connect for enterprises. Supports payment links, QR codes, tokenization, and global multi-currency processing.
• SoftPOS Turns a smartphone or tablet into a payment terminal for contactless NFC payments. No additional hardware required, instant go-live, accepts major card brands and digital wallets.
• Card Terminals POS terminal solutions including stationary terminals (Base Next, Desk 5000), mobile POS (Move 5000, A960 PAX SmartPOS), and unattended terminals (IM15 PAX, IM30 PAX) for vending, parking, and EV charging.
• Cashier Systems Integrated cashier systems for retail and hospitality including TSE-certified Android POS registers and cloud-based platforms, with inventory management, time tracking, and offline mode capabilities.
• Partner Program Partner program with Bronze, Gold, and Platinum tiers for ISVs, ISOs, PayFacs, fintechs, neobanks, system integrators, and sales organizations. Offers referral commissions, resale margins, co-marketing, and technical certification.
• Digital Expense Management Solution (with Hakisa HakiPay) Card-based digital expense management solution for social service organisations and municipalities in Germany, with Beyond acting as BIN sponsor and Mastercard card issuer and Hakisa providing the HakiPay expense management platform with digital receipt capture, cost centre allocation, and approval workflows.
• Digital Fan Ecosystem (Nürnberg Ice Tigers) Digital fan ecosystem combining co-branded payment cards, loyalty programs, exclusive club content, and real-time fan engagement tools, first piloted with the Nürnberg Ice Tigers ice hockey club.

Quantifiable outcome

• Merchants can start accepting payments within 48 hours
• +2 more outcomes

Named customers3 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

Integration2 records

AI capability5 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and infrastructure.

• Hakisa GmbHcoreStrategic or Co-development Partner · 14 April 2026Strategic partnership to launch integrated card-based expense management solution for social service organisations and municipalities in Germany. Beyond by RS2 acts as BIN sponsor and issuer for Mastercard cards while Hakisa provides its HakiPay expense management platform featuring digital receipt capture, cost centre allocation, and approval workflows. The combined solution enables organisations to issue payment cards with real-time spending visibility and compliance controls such as MCC restrictions and budget parameters. First joint projects with social organisations already successfully implemented.
• Mediengruppe DeutschlandcoreStrategic or Co-development Partner · 18 March 2026Partnership to launch digital fan ecosystem with Nürnberg Ice Tigers ice hockey club. Combined platform connects payments, loyalty programs, exclusive club content, and real-time fan engagement tools in one place. Mediengruppe provides agency creativity and sports organisation expertise while Beyond provides payment infrastructure and fintech expertise.
• MastercardcoreTechnology or IntegrationPrincipal issuing member enabling Beyond by RS2 to issue cards and sponsor BINs independently without third-party bank intermediaries. Partnership supports card-based expense management, digital fan ecosystems, and general card issuing programs across Europe.
• VisacoreTechnology or IntegrationPrincipal issuing member enabling Beyond by RS2 to independently issue Visa cards and sponsor BINs in Europe without third-party bank intermediaries.
• Amazon Web Services (AWS)infrastructureTechnology or IntegrationCloud infrastructure provider hosting Beyond by RS2 website and platform services in eu-central-1 (Frankfurt) region. AWS provides GDPR Data Processing Addendum for compliance.

Scale indicators4 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• SumUp: European-headquartered fintech providing card acceptance (including SoftPOS) and integrated payment solutions for SMEs and merchants. Closely comparable in the SME-facing payment acceptance and POS/SoftPOS product line.
• Stripe: Global payments platform offering unified acquiring and issuing APIs (Stripe Issuing). Directly comparable to Beyond by RS2 in serving fintechs and enterprises with API-first payment infrastructure, and is the named competitive benchmark in Beyond's positioning.
• Adyen: European-headquartered unified payments platform combining acquiring and issuing for global enterprises. Beyond by RS2 explicitly positions itself alongside Adyen as a competitor for unified acquiring + issuing stacks.
• Marqeta: Modern card issuing platform providing API-first issuing infrastructure to fintechs and digital banks. Directly comparable for the issuing and BIN-sponsorship-led fintech enablement offering.
• Mollie: European payment service provider targeting SMEs and platforms with multi-method payment acceptance and onboarding. Directly comparable in the SME and mid-market merchant acquiring segment with API-first delivery.
• Checkout.com: Global payment processing platform with strong European roots, offering acquiring and unified commerce APIs to enterprises and platforms. Comparable as an API-first acquirer targeting enterprise and digital-first merchants.

Broad incumbents

• Nexi: Leading European PayTech offering merchant acquiring, card issuing, and digital banking services across multiple countries. Comparable as a pan-European regulated payments institution with similar issuing + acquiring model.
• Worldline: Large European payment services provider offering merchant acquiring, card issuing, and BIN sponsorship. Directly comparable as a European regulated payments platform with overlapping acquiring and issuing capabilities, though at much larger scale.

Emerging players

• Treezor: French regulated payment institution offering BIN sponsorship, card issuing-as-a-service, and acquiring for fintechs. Comparable as a European regulated partner enabling card programs without proprietary banking license.
• Solaris SE: Berlin-based Banking-as-a-Service platform providing regulated infrastructure (including BIN sponsorship) to fintechs and digital banks. Highly comparable as a German/European regulated partner enabling card programs and embedded finance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BeyondbyRS2
• Facebookfacebook.com/BeyondbyRS2
• LinkedInlinkedin.com/company/beyondbyrs2
• Instagraminstagram.com/beyondbyrs2

Compliance13 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Beyond by RS2