Germany

Germany is EFR's home market, with platforms such as Otto, JTL, HERO and Kleinanzeigen building payments and lending into their products. Coverage of German embedders and the providers behind them, including Banxware, Solaris, Swan and Adyen.

PayPal now offers YouLend term loans to German merchants

PayPal now refers German merchants to YouLend for term loans up to €1m, alongside its own Businesskredit.

By Lars Markull

/ 9 Nov 2026

PayPal now offers YouLend term loans to German merchants

SIDES launches SIDES Capital with Stripe for restaurants on SIDES Pay

SIDES launches SIDES Capital with Stripe: revenue-based financing for SIDES Pay restaurants, as Lieferando, Wolt and allO run their own.

By Lars Markull

/ 13 Oct 2026

SIDES launches SIDES Capital with Stripe for restaurants on SIDES Pay

ADAC and Solaris add savings accounts to the ADAC credit card

ADAC and Solaris launch savings accounts for ADAC credit card holders. Co-brand or embedded finance?

By Lars Markull

/ 8 Oct 2026

ADAC and Solaris add savings accounts to the ADAC credit card

Personio acquires Circula and brings corporate cards into HR software

Personio acquires Circula, reportedly its largest deal yet, bringing Pliant-powered corporate cards into its HR and payroll platform.

By Lars Markull

/ 6 Oct 2026

Personio acquires Circula and brings corporate cards into HR software

How a Restaurant Platform Makes Most of its Revenue from Financial Services, with Cancan Liu from allO

Cancan Liu, co-founder of allO, on why every financial product at the restaurant platform started with a customer asking for something.

By Lars Markull

/ 17 Sep 2026

How a Restaurant Platform Makes Most of its Revenue from Financial Services, with Cancan Liu from allO

Swan adds card acceptance for freelancers at Accountable and Indy

Swan brings payment acceptance to Accountable and Indy's freelancer users, and why it matters for Swan's own balances and P&L.

By Lars Markull

/ 31 Aug 2026

Swan adds card acceptance for freelancers at Accountable and Indy

How to Work With Lawyers When Building a Financial Product with Patrick Liptak (MYLE)

Patrick Liptak, partner at Berlin law firm MYLE, on when to involve legal, lean contracts, and what AI has done to document quality.

By Lars Markull

/ 20 Aug 2026

How to Work With Lawyers When Building a Financial Product with Patrick Liptak (MYLE)

REA Card brings YouLend financing to Germany's offline merchants

REA Card and YouLend launch embedded financing for German SMEs, with offers based on card revenue instead of bank credit checks.

By Lars Markull

/ 27 Jul 2026

REA Card brings YouLend financing to Germany's offline merchants

JTL and YouLend bring embedded lending to German e-commerce merchants

JTL and YouLend launch embedded lending for German e-commerce merchants, with same-day financing inside the JTL-Wawi ERP ecosystem.

By Lars Markull

/ 20 Jul 2026

JTL and YouLend bring embedded lending to German e-commerce merchants

Otto Market Sellers Get Financing up to €5m Through Banxware

Otto and Banxware bring seller financing up to €5m to Otto Market. How the deal works and why Otto builds payments but buys lending.

By Lars Markull

/ 8 Jul 2026

Otto Market Sellers Get Financing up to €5m Through Banxware

Why German Platforms Are Leaving Money On The Table with Julius Danek (Stripe)

Julius Danek, product lead for Stripe in DACH and CEE, on why German platforms are leaving money on the table by staying grey-label and what Stripe Capital, Issuing, and Connect actually unlock.

By Lars Markull

/ 11 Jun 2026

Why German Platforms Are Leaving Money On The Table with Julius Danek (Stripe)

HERO Software launches HERO Wallet with Swan for German craftsmen

HERO Software launches HERO Wallet with Swan, embedding payments and reconciliation directly into craft business software in Germany.

By Lars Markull

/ 8 Jun 2026

HERO Software launches HERO Wallet with Swan for German craftsmen