Secupay

secupay is a German payment service provider with more than 25 years of experience in electronic payment processing. The company develops and operates payment solutions ranging from classic shop payment plugins to sophisticated, cross-channel setups for marketplaces, crowdfunding models, structured payout processes, as well as loyalty and incentive programs.

The services can be used individually or combined within a shared system architecture. This allows payment acceptance, payouts, and program-based payment models to be managed in an integrated way.

Trusted by companies: Audi, ECE Group, BVB Borussia Dortmund, ZASTA, as well as projects within the Sparkassen environment (e.g., 99funken.de) rely on secupay.

secupay is typically used by:

• Merchants with both online and brick-and-mortar operations (combined payment architecture)

• Platforms and marketplaces with multi-party payment and payout flows

• Providers of crowd or escrow models

• Brands and organizations with mass payout requirements (e.g., cashback, refunds, rewards)

• Partners (ISVs, resellers, integrators) requiring white-label capabilities and strong integration options

Processing of payments in e-commerce and physical retail, including integration into shop systems, POS systems, and terminals.

Processing of split payments or stakeholder payments, mixed shopping carts, escrow structures and automated distribution of funds between multiple parties – in crowdfunding contexts including the withholding and remittance of capital gains tax (KapESt) to investors..

Automated mass payouts, for example for cashback programs, incentives, or refunds.

Digital and physical card programs for earmarked budgets, benefit models, or incentive structures.

• Dedicated contact person and project-oriented implementation instead of a standard product

• Short decision-making paths and pragmatic, agile implementation through to go-live

• Modular or fully integrated deployment: standalone solution for a fast start or integrated overall architecture for complex models

• German provider operating within a regulated framework (BaFin) with data residency in Germany/EU

secupay is based in Germany, supervised by BaFin, and relies on hosting and data processing in Germany and the EU.

Security and compliance requirements (including PCI DSS, GDPR, and relevant standards such as ISO/TISAX) are not optional add-ons but are firmly embedded in operations, with the goal of maintaining payment data and processes at a consistently high and reliable security level.

secupay is often chosen when payment cannot be mapped as a standard checkout process but requires additional logic: marketplace and crowd setups, structured payout flows, or program- and incentive-based payment models. At the same time, entry is also possible as a classic shop payment solution.

Pricing depends on scope, setup, and integration requirements and is calculated individually.