Unzer
Berlin-based German PSP group covering e-commerce, BNPL, invoice payments and POS terminals through one contract
Quick Overview
| Company | Unzer Group GmbH |
|---|---|
| Category | Payment Orchestration Platforms |
| Headquarters | Berlin, Germany |
| Founded | Not stated |
| EU Presence | Yes - Germany (EU) |
| Data Location | See vendor documentation |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | E-commerce payments, BNPL, invoice and instalment, Shopify, Shopware and Magento plugins, unified commerce, POS terminals, fraud protection |
| Pricing | Not published on the pages read, see website |
| Best For | Merchants in Germany, Austria and Switzerland wanting one PSP for online and in-store |
| Replaces | Spreedly-style multi-method access, single-PSP stacks |
Detailed Review
Unzer's imprint names Unzer Group GmbH, registered at the Amtsgericht Charlottenburg under HRB 246896, and lists group companies including Unzer E-Com GmbH in Heidelberg, a payment institution supervised by BaFin (register number 122914), Unzer Luxembourg S.A., Unzer Austria GmbH and UTill Commerce GmbH.
The site states that over 90,000 merchants use Unzer. Be clear about the category: Unzer is a PSP, not a layer over other PSPs.
One integration for payment methods
The e-commerce product bundles the payment methods popular in the DACH region with BNPL, invoice and instalment options and fraud protection. Plugins exist for Shopify, Shopware and Magento.
For many German shops that already removes the need for an orchestrator.
Online and in-store
Unified commerce and point-of-sale pages cover card terminals, gastronomy solutions and POS software for sectors such as bakeries, fashion and barber shops.
That makes it unusual on this list, where most vendors serve online-only merchants.
Where it differs from orchestration
Your processing runs through Unzer's own group entities rather than being spread across other acquirers. You gain simplicity but cannot swap acquirers behind one integration.
If multi-acquirer routing is the aim, pair it with an orchestration layer or choose one from this list.
Limitations to Consider
Unzer is a single PSP, so it gives no acquirer failover or cost-based routing across providers. Strength is concentrated in the DACH region. Prices were not shown on the pages we read. For multi-acquirer routing see BridgerPay or APEXX Global.
Who Should Use Unzer
Merchants in Germany, Austria and Switzerland that want online, BNPL and in-store payments under one European contract rather than a multi-provider setup.
Pros and Cons
Pros
- BaFin-supervised payment institution in the group
- BNPL, invoice and instalment included
- Shopify, Shopware and Magento plugins
- Online and POS under one vendor
- 90,000+ merchants stated
Cons
- Single PSP, no multi-acquirer routing
- DACH-centred strength
- Pricing not shown
- Less relevant to enterprise orchestration needs
Alternatives to Unzer
Other European payment orchestration platforms worth comparing before you decide:
Payrails
Germany · Modular payment stack with orchestration, vault and Merchant of Record
Primer
United Kingdom · Workflow builder and vault that sits above your processors
APEXX Global
United Kingdom · Routing, cascading and split-volume control for enterprise merchants
IXOPAY
Austria · Vienna-founded orchestration with tokenization and PCI tooling
See all European payment orchestration platforms or compare them directly against Spreedly-style multi-method access on our alternatives page.
Frequently Asked Questions
No. It is a PSP group, so your payments run through Unzer rather than being spread across several acquirers.
Its imprint states that Unzer E-Com GmbH is a payment institution supervised by BaFin.
Yes, it lists POS terminals, POS software and unified commerce products.