API in Germany- Authorized Payment Institution

A regulated payment institution officially recognised by the national financial supervisory authority offers a comprehensive suite of modern payment solutions through a single unified platform. Its services encompass digital and traditional payment processing, enabling seamless acceptance of a variety of payment types including mobile carrier billing, cash and alternative payment methods, credit and debit card handling, and SEPA-based transfers.
This entity holds a formal licence under the national payment services supervisory framework, demonstrating compliance with rigorous regulatory standards for secure and transparent payment services. The licence reflects authorisation by the country’s federal supervisory authority and aligns with the broader European regulatory regime governing payment service providers.

Permitted Activities
Acquiring of payment transactions
Money remittance

Products and Capabilities
1. Unified multi-channel payment acceptance. The company’s core product combines multiple premium payment options into a single, state-of-the-art interface- enabling merchants to accept:
Direct carrier billing, including tier-1 coverage across Europe to bill purchases directly to a user’s mobile account.
Cash2Token cash payments, allowing end users to pay for digital goods with cash through extensive retail networks- with fast onboarding and weekly settlement.
Traditional PSP payments, including major card schemes (credit/debit), Instant SEPA, SEPA debit and other bank transfers, enhancing conversion across channels.
In-App, SMS and Voice billing options- widening reach and accessibility for varied business models.
Optimised flows for one-off and recurring (subscription) payments, with built-in anti-fraud screening to improve user experience and conversion rates.
In addition, the platform offers tools for seamless onboarding, with a user-friendly dashboard, API integration and rapid integration cycles- including tailored solutions for digital content, gaming and other verticals.
2. KYC and Compliance Products
The company also provides advanced compliance tools designed to support regulated markets and reduce onboarding friction:
KYC Match
A mobile-operator-based identity verification service that compares merchant-provided user data with verified operator records (e.g., name, address, date of birth). This enables:
Remote identity verification without cumbersome user form-filling.
Anti-money laundering (AML) checks, especially relevant for online gambling, financial services and other regulated sectors.
Reduced fraud and data entry errors, while preserving user privacy.
Flexible deployment across channels, whether initiated by the merchant or the end user

Industry Focus and Use Cases
This payment institution serves a wide array of market segments, with notable specialisation in:
iGaming and online gaming markets, where streamlined payments and compliance tooling (AML, KYC) are critical to conversion and regulatory adherence.
Adult industry platforms, leveraging combined payment and identity verification to support regulated onboarding and age screening.

Conclusion
The regulated status in a top-tier EU jurisdiction, broad payment capabilities, and integrated compliance suite, this authorised payment institution is strategically positioned within the European financial ecosystem.