Smarter Payment Sps Gmbh

What Smarter Payment Sps Gmbh does

Smarter Payment SPS GmbH is a German private limited company (GmbH) headquartered in Bad Oldesloe, Schleswig-Holstein, that operates SmartPay, a full-service B2B software platform targeting German Mittelstand businesses and the telecommunications specialist trade (Fachhandel) channel. The product unifies contract administration, DSGVO-compliant digital signature, real-time credit scoring, automated SEPA direct debit collection, dunning/collections, and — as its principal differentiator — a 100% default guarantee (Delkredere) covering the full remaining contract term upon a positive credit check at the point of sale. The platform is delivered as a white-label-capable back-office layer hosted on LeadCosmos.io infrastructure, a GoHighLevel-based CRM environment with servers located in Texas, USA.

The company employs a sales-led, consultation-driven go-to-market without self-serve or product-led mechanics; conversion funnels through a Calendly 30-minute consultation booking. Pricing is fully quote-based and structured as a three-component hybrid: a one-time onboarding fee, a recurring monthly subscription, and a variable revenue share tied to processed transaction volume that bundles in the default guarantee. The customer base spans four named segments: tradespeople and Mittelstand craft businesses offering maintenance or subscription services; service providers and agencies on retainer models; associations and organizations collecting recurring dues; and — the most strategically developed — telecommunications and IT specialist retailers operating rental, subscription, and service models.

The channel ecosystem is anchored by a strategic infrastructure partnership with aetka AG, which gives SmartPay indirect reach to approximately 2,000 specialist retail partner locations across the German telecommunications Fachhandel, supplemented by named relationships with my-extra Rehau and 4U Telekommunikations GmbH. The firm is managed by Christian Freyher as sole Geschäftsführer, operates with 1–10 employees, and discloses no external funding, acquisitions, or institutional ownership in the available source material. The Handelsregister registration is at Lübeck (HRB 25358 HL); VAT ID is DE-330985747.

Name

Smarter Payment Sps Gmbh

Legal name

Smarter Payment SPS GmbH

Website

https://smartpay.software

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Smarter Payment SPS GmbH operates SmartPay, a German B2B platform combining contract management, SEPA direct debit collection, real-time credit checks, and a 100% default guarantee for Mittelstand businesses and telecom specialist retailers offering subscription or installment models.

Ownership category

akta.pro rank

Product category

Subscription and Recurring Payment Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Software Publishers (513210)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Recurring Billing & AutoPay Management (FSAMAJAE)

Keywords

• Subscription billing software
• Contract management platform
• Recurring payment processing
• Default guarantee services
• Direct debit collection

Headquarters

HQ city

Bad Oldesloe

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Onboarding Fee: One-time setup fee covering individual contract drafting, system configuration, and go-live of the booking/payment integration. This is a fixed upfront charge.
2. Monthly Service Fee: Recurring monthly fee covering ongoing hosting, support, and continuous legal/DSGVO compliance updates. Billed monthly per merchant/customer.
3. Umsatzbeteiligung (Revenue Share / Transaction Fee): A variable fee based on transaction volume, structured as a percentage of processed payments. Includes the complete default guarantee (delkredere) bundled into the same fee. This is the core transaction/usage-based revenue component that scales with merchant volume.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

SmartPay is a full-service SaaS platform that manages subscription contracts, recurring payments, invoicing, SEPA direct debit collection, and dunning for German small and medium businesses. It includes individual legal contract drafting, DSGVO-compliant digital E-signature, real-time credit scoring, and a 100% Delkredere (default guarantee) covering the full remaining contract term, with SmartPay acting as the neutral contract holder.

Product overview

SmartPay is a single unified product offering a full-service contract and payment management solution for German Mittelstand businesses. The platform combines contract administration, automated invoicing, direct debit collection, real-time creditworthiness verification, professional dunning services, and a complete 100% default guarantee into one external backoffice service. SmartPay acts as a neutral contract holder and payment service provider, enabling business customers to offer subscription, rental, and installment models without payment defaults or administrative burden.

Differentiator

Problem solved

Functional benefit

Products and services

• SmartPay

Quantifiable outcome

• 100% revenue protection for contracted term upon successful credit check
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• aetka AGcoreChannel Partner/ Reseller/ DistributorSmartPay is a strategic infrastructure partner for aetka AG's network of ~2,000 specialist retail partners in the German telecommunications Fachhandel channel. SmartPay enables these partners to offer rental, maintenance, and subscription models — handling contract management, invoicing, SEPA direct debit, and dunning — without any additional administrative effort on the partner's side.
• my-extra RehauminorChannel Partner/ Reseller/ Distributormy-extra Rehau partnered with SmartPay to expand its portfolio with rental and maintenance models (router rental, complex B2B service contracts), generating additional predictable revenue with zero administrative overhead. SmartPay handles the full payment and contract lifecycle.
• 4U Telekommunikations GmbHminorImplementation/ SI/ Consulting Partner4U Telekommunikations GmbH uses SmartPay's full-service management solution, where SmartPay handles complete technical and commercial operations including activation processes, invoicing, and dunning — allowing 4U to focus on core telecom service delivery.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/smarterpayment

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Smarter Payment Sps Gmbh