- Expansion of the value chain expected to drive efficiency gains and increased earnings from 2025 onwards
Düsseldorf, 28 April 2025 – net digital AG (ISIN: DE000A2BPK34) continues to expand its capabilities in the field of digital payment services: its wholly owned subsidiary, mobile business engine GmbH (mbe GmbH), will begin operating as a licensed Payment Facilitator (PayFac) starting in summer 2025. By leveraging its existing BaFin license, the company is significantly broadening its value chain in the payment sector while unlocking new revenue and margin potential.
As a Payment Facilitator, mbe GmbH will offer merchants a fast and efficient way to access the full functionality of a traditional acquirer—without having to become one themselves. Transactions are processed via the acquiring bank’s existing membership with credit card organizations. This model allows merchants to be onboarded instantly and enables centralized control of the entire payment process, including risk management, KYC procedures, and the management of master merchant accounts.
Merchants benefit from a true “one–stop” solution for a wide range of payment services. This not only reduces administrative burden but also simplifies both the technical and regulatory complexity—particularly in the context of mobile services and credit card transactions.
Even at this early stage, a large number of potential merchant partners have expressed strong interest in the new service offering. net digital AG therefore anticipates the signing of initial contracts in the near term and expects to see a positive earnings impact as early as fiscal year 2025, assuming swift adoption by merchants.
Theodor Niehues, CEO of net digital AG, comments: “Becoming a Payment Facilitator allows us to significantly deepen our value creation within the Group and enhance our margin profile. At the same time, we are strengthening our position as a comprehensive payment partner for merchants through a 360-degree service approach. We expect this move to generate additional growth momentum—both with existing clients and new customer segments.”