Payment providers in Germany
Payment providers in Germany: PSPs, payment gateways and aggregators for pay-ins and payouts — local methods, rates and onboarding terms. Listings: 46.
Business Expansion LLC
Business Expansion is a business infrastructure and international expansion partner helping iGaming, Web3 and FinTech businesses establish, structure and scale…
Axepta BNP Paribas
Axepta BNP Paribas is a merchant acquiring service backed by the BNP Paribas banking group, integrated with payment terminals and e-commerce payment pages. The…
BitPay
BitPay is a crypto payment processor for businesses and one of the oldest in the field: it states that it has operated since 2011 and is headquartered in…
Brite Payments
Brite Payments is an instant bank-payment network from Sweden, headquartered in Stockholm and operating since 2019. It is described as a second-generation…
CASHlib
CASHlib is a prepaid voucher payment system operating since 2015. The customer pays cash at a retail outlet, receives a voucher code and enters it when paying…
Computop
Computop is a German payment gateway founded in 1997 and headquartered in Bamberg. Its Paygate platform is used by global brands and leading German banks, and…
eZeeWallet
eZeeWallet is a payment system built around an e-wallet, operating since 2020. Users top up the wallet with the method they prefer, send money to other people…
Flexepin
Flexepin is a payment system founded in 2015 and part of Australia's Novatti Group. It covers a broad mix of methods, from cards and Apple Pay to European…
Fondy
Fondy is a payment service provider founded in 2016. It accepts international card payments, serves marketplaces and can split payouts between several parties…
GoPay
GoPay is a payment gateway from the Czech Republic, operating since 2007 and based in Ceske Budejovice as part of the Worldline group. It is a PSP for online…
Jupiter
Jupiter is a payment provider founded in 2024 that offers P2P transfers and crypto processing connected via API. The company openly works with betting and…
Klarna
Klarna is a payment provider founded in 2005 that operates through the Swedish entity Klarna Bank AB. It serves e-commerce, financial services and travel, and…
Lavego
Lavego is a payment gateway from Germany with a broad set of supported cards, from the national girocard to international schemes and specialised fuel cards…
LemFi
LemFi is an international money transfer service that works through a mobile app. Money can be sent from Canada, the United States, the United Kingdom and…
Lyra
Lyra is a payment provider headquartered in Toulouse, France, founded in 2001. It is known for the PayZen payment gateway and for branded checkout forms…
Montonio
Montonio is an Estonian payment company founded in 2018 in Tallinn. It offers an all-in-one checkout for e-commerce that combines bank links, cards, Apple Pay…
MuchBetter
MuchBetter is an e-wallet that has been running since 2016. Users top up a balance and spend it at merchant checkouts that support this payment option, which…
Nets (Europe)
Nets (Europe) is payment infrastructure for payment processing, acquiring and white-label solutions, serving banks and PSPs in Northern and Central Europe. It…
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Payment processing in Germany
Germany is Europe's most "non-card" large market. German shoppers prefer to pay after delivery or straight from their bank account: invoice (Kauf auf Rechnung) and BNPL, SEPA direct debit (Lastschrift), PayPal and bank transfers dominate online checkout, while credit cards cover a smaller share than in the UK or France. The domestic debit scheme girocard is mostly used at physical POS. Payment and e-money institutions are supervised by BaFin together with the Bundesbank; online gambling is licensed by the Joint Gambling Authority of the German states (GGL) under the 2021 State Treaty. {count} providers on this page declare Germany coverage.
What German merchants look for
- Payment mix: direct debit, invoice/BNPL and wallets are often more important than cards — check which of them a PSP actually offers in Germany.
- SEPA tools: SEPA transfers and open banking pay-by-bank with instant confirmation.
- Risk on direct debit: return windows for SEPA debits create chargeback-like risk; ask about scoring and return handling.
- Settlement: EUR, payout frequency, reserve.
- Licensing: a PSP passported from another EU country is common; confirm the contracting entity and data processing terms under GDPR.
High-risk verticals in Germany
Licensed sports betting and virtual slots are allowed under GGL rules with strict deposit limits; unlicensed operators are actively blocked, including at the payment level. Forex/CFD, adult, dating and nutra merchants should check each provider's risk policy and look at high-risk merchants.
Crypto and liquidity
Crypto payments in Germany and liquidity providers in Germany cover stablecoin settlement and on/off-ramp under MiCA.
Related hubs
Banks and EMI in Germany · Legal and licensing in Germany · Tech in Germany · Card acquiring
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