28 Best Payments Startups in Germany to Watch in 2025

The Definitive Seedtable Ranking of Payments Startups in Germany

We track 71,000+ companies and rank them dynamically using our Seedtable Score – a score that uses quantitative and qualitative data points to signal the momentum behind a company. We then monitor the list manually leveraging our expertise as founders and investors.

There are 28 start-ups with an aggregate funding of $5.9b. The average funding per company in this subset is $211.1m.

Last update to the database: Feb 18, 2025. See changelog.

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14

Funding Rounds

$2.5b

Money raised

N26 is a is a mobile banking company headquartered in Berlin, Germany.

Location:

Key people:

9

Funding Rounds

$359.9m

Money raised

Payhawk is a provider of a financial system that combines credit cards, payments, and expenses into one experience.

Industries:

Location:

Key people:

12

Funding Rounds

$84.9m

Money raised

Penta is a digital bank account for startups and SMEs in Germany.

14

Funding Rounds

$902.5m

Money raised

Mambu is a Berlin-based software-as-a-service banking company offering lending and deposit software.

11

Funding Rounds

$759.5m

Money raised

solarisBank is a banking platform empowering finance pioneers. We've built an API-accesible platform to provide companies with modular building blocks to innovate in finance. As a tech company with a banking license, our business model is strictly B2B2C - we're focused exclusively on enabling our partners to offer their end customers world class financial products.

9

Funding Rounds

$58.9m

Money raised

Bitwala is a blockchain and software development company offering a platform that allows users to buy and sell cryptocurrencies directly from their bank accounts.

8

Funding Rounds

$213.0m

Money raised

Mondu is a B2B payment fintech company.

Location:

Key people:

3

Funding Rounds

$47.2m

Money raised

Token is a blockchain and software development company creating an API that enables banks and third parties to have PSD2 compliance, aggregate data, and make direct bank payments.

10

Funding Rounds

$234.7m

Money raised

Moss is a tech-based payment and credit card platform founded in 2019 by Max Meyer, Stephan Haslebacher, Ante Spittler and Anton Rummel.

4

Funding Rounds

$60.7m

Money raised

Candis is a platform that automates accounting tasks intelligently founded in 2015 by Christian Ritosek, Garik Suess and Christopher Becker.

7

Funding Rounds

$350.0m

Money raised

BNPL B2B payment platform.

Location:

Key people:

2

Funding Rounds

$1.1m

Money raised

SatoshiPay is a blockchain company founded in 2014 by Alexander Wilke.

Location:

Key people:

2

Funding Rounds

$14.5m

Money raised

Payment gateway technology for point-of-sale systems.

5

Funding Rounds

$58.7m

Money raised

TIS is reimagining the world of enterprise payments through a cloud-based platform

3

Funding Rounds

$50.8m

Money raised

Finiata provides working capital financing for freelancers and SME's over a fully automated data driven scoring technology.

Industries:

Location:

3

Funding Rounds

$11.3m

Money raised

Monite lets neobanks & B2B SaaS platforms add Invoicing, Payables, and other features in 3-5 weeks | Fully Embeddable | Top functionality

3

Funding Rounds

$76.3m

Money raised

The digital hub for multi-banking, accounting and financial management Aggregates all business bank accounts of SME clients under one app and integrates accounts payable and receivable management Built on Solarisbank BaaS stack and SaltEdge for PSD2 account aggregation

2

Funding Rounds

$3.0m

Money raised

Denario is an integrated B2B Payments experience that helps SMBs & Startups improve their cash flow

3

Funding Rounds

$19.2m

Money raised

Payrails is a payment operating system founded in 2021.

Location:

1

Funding Rounds

$38.0m

Money raised

SaaS platform helping entrepreneurs launch and grow digital businesses with products and automated sales.

1

Funding Rounds

$40.0m

Money raised

Number26 is a company founded in 2013.

3

Funding Rounds

$38.1m

Money raised

Kadmos is a payments platform founded in 2021.

1

Funding Rounds

$96.3k

Money raised

Pockets United is a Germany-based company founded by Markus Stiefel, Michael Dürgner and Matthias Schicker.

1

Funding Rounds

$2.0m

Money raised

Platform that helps freelancers and creators streamline invoicing and get paid instantly.

2

Funding Rounds

$4.4m

Money raised

orderbird AG is a company founded in 2011.

2

Funding Rounds

$6.4m

Money raised

UnitPlus is a cash management solutions provider for SMEs founded by Fabian Mohr, Sebastien Segue and Kerstin Schneider.

Location:

Key people:

1

Funding Rounds

$5.0m

Money raised

Payment platform enabling online businesses to quickly accept website payments.

Industries:

Location:

1

Funding Rounds

$3.4m

Money raised

Ivy is a global API provider for instant bank payments founded in 2021.

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