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.

ryd launches fleet payments with Mastercard, expanding from consumer to B2B

ryd launches ryd fleet with Mastercard, expanding from consumer mobility payments into the European B2B fleet market with tokenised virtual cards.

By Lars Markull

/ 8 Jun 2026

ryd launches fleet payments with Mastercard, expanding from consumer to B2B

Why German Banks Lose €1 Billion a Year to the Last Mile

Why German banks lose €1 billion a year in remittance revenue to MTOs, and what account-to-wallet payments would take to change that.

By Lars Markull

/ 8 Jun 2026

Why German Banks Lose €1 Billion a Year to the Last Mile

Kleinanzeigen Takes Control of Its Payment Infrastructure with Adyen

Kleinanzeigen migrates Secure Payment from OPP to Adyen, taking direct control of payment processing and fraud prevention for Germany's largest classifieds marketplace.

By Lars Markull

/ 4 Apr 2026

Kleinanzeigen Takes Control of Its Payment Infrastructure with Adyen

Solaris Is Cutting 80 Jobs and Calling Itself an AI-Native Bank. The More Interesting Shift Is Who It Now Wants to Serve.

Solaris cuts 80 jobs and pivots to AI-native banking. But the more interesting question is who the Berlin BaaS pioneer now wants to serve.

By Lars Markull

/ 30 Mar 2026

Solaris Is Cutting 80 Jobs and Calling Itself an AI-Native Bank. The More Interesting Shift Is Who It Now Wants to Serve.

SumUp Adds Investing. At What Point Do Its Merchants Still Need a Bank?

SumUp adds investing via Upvest. With payments, banking, lending, and now investing, do its merchants still need a traditional bank?

By Lars Markull

/ 30 Mar 2026

SumUp Adds Investing. At What Point Do Its Merchants Still Need a Bank?

OakNorth Acquires Monite. Here's What It Says About the State of Embedded Finance.

OakNorth acquires Monite to build invoice management and expense tools into its business banking product. A different kind of embedded finance exit.

By Lars Markull

/ 16 Mar 2026

OakNorth Acquires Monite. Here's What It Says About the State of Embedded Finance.

Embedding Debt Collection into the Fintech Stack with Matteo Benedetti from Debtist

Matteo Benedetti, co-founder of Debtist, on embedding debt collection into vertical SaaS platforms and how they reached €12M ARR while staying profitable.

By Lars Markull

/ 5 Mar 2026

Embedding Debt Collection into the Fintech Stack with Matteo Benedetti from Debtist

Why Otto Built a 250-Person Payments Company for Its Marketplace

Christin Burmeister explains why Otto built a 250-person payments company in-house and what it takes to run a BaFin-licensed fintech unit.

By Lars Markull

/ 19 Feb 2026

Why Otto Built a 250-Person Payments Company for Its Marketplace

Airwallex Expands to DACH with €31 Million Investment

Airwallex launches in Germany with €31M investment. The Australian payments platform targets SMEs and embedded finance partnerships across the DACH region.

By Lars Markull

/ 3 Feb 2026

Amazon Germany partners with HypoVereinsbank and Banxware for embedded lending with credit lines up to €5 million

Amazon Germany adds HypoVereinsbank and Banxware to its lending programme. Credit lines up to €5m, decisions in three days, fully embedded in Seller Central.

By Lars Markull

/ 3 Feb 2026

Amazon Germany partners with HypoVereinsbank and Banxware for embedded lending with credit lines up to €5 million

Banxware's Lending Orchestration Layer: Connecting Platforms, Banks & SMEs

Banxware shifted from direct lender to lending enabler. Jens Roehrborn explains how their orchestration layer connects platforms with bank funding.

By Lars Markull

/ 15 Jan 2026

Banxware's Lending Orchestration Layer: Connecting Platforms, Banks & SMEs

Germany Expands Payment Cards Beyond Refugees to Unemployed Citizens

Germany extends its payment card program from refugees to unemployed citizens without bank accounts. Fourteen states use SocialCard while two chose alternatives, streamlining welfare distribution and reducing administrative burden.

By Lars Markull

/ 29 Nov 2025

Germany Expands Payment Cards Beyond Refugees to Unemployed Citizens