This article showcases our top picks for the best Germany based Payment & Fintech companies. These startups and companies are taking a variety of approaches to innovating the Payment & Fintech industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovation
- Innovative ideas
- Innovative route to market
- Innovative product
- Growth
- Exceptional growth
- Exceptional growth strategy
- Management
- Societal impact
Top Germany Payment & Fintech Startups
Data sourced from Crunchbase and SemRush.
Wirecard
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Wirecard is fastest-growing digital platforms in the area of financial commerce.

Friday Finance
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Friday Finance is a business banking and cashflow platform that puts all bank accounts into one place.
HAWK:AI
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Money-laundering detection & investigation platform. SaaS, Cloud, Artificial Intelligence, Machine Learning.
Kontist
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Kontist is neo-bank & tax advisory for freelancers all in one
Shore
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Shore is a software company that provides digital solutions for local service providers.
Fraugster
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Fraugster is a German-Israeli anti-fraud company that uses artificial intelligence to eliminate fraud and increase customers’ profits.
Payworks
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Payworks provides payment gateway technology for the POS.
Finiata
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Finiata provides working capital financing for freelancers and SME’s over a fully automated data driven scoring technology.
RatePAY
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RatePAY offers secure payment solutions for online trading.
Treasury Intelligence Solutions
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TIS is reimagining the world of enterprise payments through a cloud-based platform
orderbird
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orderbird is a cloud provider of iPad and Android POS system for the hospitality industry and the SMB Market.
NAGA
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NAGA AG Group is a German-based fintech company founded in 2015 and publicly listed on the Frankfurt Stock Exchange.
FinTecSystems
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FinTecSystems is an infrastructure Fintech for open banking and account data analysis
Traxpay
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Traxpay is a fin-tech platform that provides supply chain finance, dynamic discounting and reverse factoring services to corporate clients.
Monite
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Monite is a finance management platform that automates the admin and accounting processes for SMEs.
Enfore
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Enfore is a business platform paired with a collection of versatile apps for smartphones, tablets and personal computers.
Ecoligo
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Ecoligo is a solar utility that provides low-cost solar energy to businesses in emerging markets.
PAYMILL
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PAYMILL is a payment solution platform that enables online businesses to accept payments on their websites within a very short time.
Barzahlen
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Barzahlen provides cash-payment infrastructure in the Germany.
plug&paid
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plug&paid is an all-in-one eCommerce toolbox that helps businesses increase their revenue, easier and faster.
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ShareACamper is a peer-to-peer rental platform for motorhomes and caravans.
Saffe
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Saffe is a face recognition platform for payments and financial services.
Avuba
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Avuba develops a mobile banking solution that enables users to manage their monetary transactions and expenses.
USDX Wallet
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USDX Wallet is a blockchain-based payment system without Banks, Borders or Fees.
Cringle
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Cringle is the most modern way to send money, safe, convenient and free.
PEY
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PEY creates payments solutions using blockchain technology
eClear
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Europe’s only full service VAT/Customs Compliance and Clearing House for seamless cross-border business in Europe
isaac10 GmbH
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isaac10 offers cloud technology solutions that focus on automatic billing and payment processing for recurring expenses.
Concardis
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ConCardis is the competent contact for all questions and solutions for cashless payment.
petaFuel GmbH
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PetaFuel is a MasterCard processor and PayCenter as a card-issuing e-money institution for prepaid MasterCards.
Serrala
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Serrala is an international provider of solutions for inbound and outbound payments and related finance processes.
cleverbridge
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Cleverbridge is an ecommerce and subscription billing solution for monetizing software, SaaS, and digital goods.
elopage
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elopage is a SaaS company that enables entrepreneurs to start and scale their digital business with digital products and automated sales.
BillPay
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BillPay provides payment solutions to online retailers in Germany, Austria, Switzerland and the Netherlands.
optile
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The next-generation independent payment platform to scale, unify, and optimize your payment setup.
PAYONE
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PAYONE is a mobile payment solutions company located in Ratingen for all aspects of cashless payment transactions in retail & e-commerce.
Mpax
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Mpax is a merchant payment app that enables consumers to make payments for offline transactions.
Retailo
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Full-service provider in the prepaid and gift card industry and leading network for the distribution of gift cards in continental Europe.
Jurato
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Jurato is an online platform that enables lawyers to offer their services online.
Fundamental Capital GmbH
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Fundamental is the first digital asset manager for active investing. We offer digital value portfolios that are based on algorithms.
TeamBank
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TeamBank is a financial service company that offers payment solution.
Sofort AG
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SOFORT GmbH provides online payment solutions for buyers and merchants in Europe.
Viafintech
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Viafintech provides digital payment solutions that help to pay invoices, deposits and withdrawals using barcodes with value-added services.
ePages
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ePages provides merchants with e-commerce software to launch their online shops.
Nitrobox
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Nitrobox is a revenue management, billing and accounting platform that automates financial processes for Fortune 500 multinationals
Pockets United
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Pockets United is a social mobile payments app that helps friends split costs in day-to-day activities.
ZANY OX
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ZANY OX helps sellers create an online shop, enabling consumers to purchase an unlimited number of products from various shops.
paydirekt
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Online Payment with paydirekt – as natural as your own checking account you’re shopping online want, easily and securely pay.
CopeCart
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CopeCart is a reseller shop software that takes care of the automated sending of invoices and offering payment methods.
Jolocom
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Jolocom helps companies to implement standard-based decentralized identity technology, understand and grow decentralized ecosystems.
identity Trust Management
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Identity specialized in providing legally and data protection act compliant identification services of natural persons and legal entities.
Magton
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Boutique Financial Technology Provider | Empowering Banks and Financial Firms | CapTech | #Fintech | #InsurTech | #Blockchain | #AI
TeleCash Kommunikations-Service GmbH
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TeleCash Kommunikations-Service GmbH is a provider of POS terminals.
Influnate
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Influnate is a tool that allows you to send and receive money via social media.
VR Payment
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VR payment offers cashless payment solutions to banks and sales partners.
Euro Payment Group
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Euro Payment Group is a service provider for electronic real-time payments with integrated risk management tools.
JustOn
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JustOn provides the cloud-based software JustOn Billing & Invoice Management.
Flex payment
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FLEX Payment pays your bills immediately and takes care of the wait.
Viacash
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Viacash is an independent cash infrastructure that allows withdrawals and deposits of cash at the supermarket checkout via a barcode.
Yatego
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Yatego is a shopping site with over five million products.
ALVARA Cash Management Group
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ALVARA Cash Management Group is a provider of software solutions to all players in the cash cycle.
Secupay
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Secupay offers debit and credit cards accepted with payment guarantee and Purchase Orders for your online shop
Alpha-Cash
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Alpha-Cash is a cash provider with 12 years of experience in cashless payments.
PayCenter
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PayCenter is a provider of online payment services.
PAA CAPITAL SE
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Financial Service Provider, E-Money, E-Wallet, Prepaid Debit Cards
Payger
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Payger is a blockchain-based payment platform for digital assets.
Trimplement
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Trimplement is a software company that designs and develops software applications for online payment, e-wallet & virtual account management.
Axpay
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Axpay is a platform that offers solutions for easy cashless payment transactions in the eCommerce area.
MK Payment Solutions
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MK Payment is a Berlin based technology provider for prepaid payment systems. It also offers white label solutions to Telecom operators.
5Thru
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5thru provides the missing link for in-vehicle customer engagement by Using innovative vehicle license plate identification technology
Railslove GmbH
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Railslove GmbH is a software development company focusing on web applications.
Powerpay21
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powerpay21 is a Global FinTech Network that provides products and solutions for online merchants.
WEBINC
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WEBINC is an international orientate Payment Service Provider with continually expanding business.
United Mobility Technology
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United Mobility Technology is a company that provides mobile technology solutions for sales.
SEPAone
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SEPAone is a technical white label payment service provider for european direct debit.
stampay
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Digital customer loyalty for 100% of all existing and potential customers
Deutsche Bundesbank
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Deutsche Bundesbank is the central bank of Germany and part of the European System of Central Banks that control monetary supply.
Abilipay
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Abilipay GmbH is a professional and experienced outsourcing service provider.
BS PAYONE GmbH
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With BS PAYONE you get reliable payment solutions for all channels of your business all in one place.
XPAY Solutions
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XPAY Solutions delivers branded prepaid cards at a revolutionary price for businesses.
elefunds
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elefunds is a social enterprise that offers fundraising services to donate to charity through electronic payments.
Micro Payment
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Micro Payment is a full-service provider that offers its customers a complete range of high-quality services.
Shoppero.com
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Shoppero.com offers an online platform which users can create reviews and recommendations about products and services.
Landopay
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Landopay is a smart spend management platform that integrates expense management and purchasing on an easy-to-use platform.
Paylobby GmbH
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Paylobby.com is an innovative platform that helps merchants find a suitable Payment Provider.
staffboard
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staffboard unites HR Administration/HR Management and Recruiting on one single SaaS platform.
Finex Solutions
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Finex Excellence Digital Banking is a retail and SME digital banking solution, which fully supports internet, tablet, and mobile banking.
Deutsche-Payment
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Deutsche-Payment provides an infrastructure that covers the entire payment process of businesses.
Payango Card
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Payango Card is specialized in the issuing of prepaid credit cards.
Paymorrow
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Paymorrow is your payment solutions specialist on the internet with a 100% payment guarantee.
TIMEPAY GmbH
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SaaS Business Platform. The world`s first business web application which helps companies to generate revenue from over the phone advice
EFiS
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EFiS is a stand-alone payment service offering a high-performance payment transaction logistics solution for your business.