Financial Insights · Instant Payments

Your money.
In focus.
In motion.

BLiTZ Pay brings all your accounts, from bank accounts and credit cards to wallets like PayPal, into one clear view, turns your transactions into insights you can act on, and lets you pay instantly through the best available rail — running on SEPA Instant today, ready for Wero as it scales.

Customer paying with BLiTZ Pay at a café
Payment settled instantly · 0.5% fee
Runs on SEPA Instant — works with every eurozone bank
+ more
Financial Insights

Your finances,
finally in focus.

Most people use several banking apps and still can't answer a simple question: where did my money go this month? BLiTZ Pay connects your accounts and answers it for you.

🏦
One unified view

Link your current accounts, savings, credit cards and wallets such as PayPal. Balances and transactions from every provider, side by side, in a single app.

🗂️
Clear categories

Transactions are sorted automatically so you can see what goes to rent, groceries, mobility, leisure and subscriptions, and how that changes over time.

🔁
Subscriptions and fixed costs

Spot recurring payments and contracts you may have forgotten, so you decide what stays and what goes.

🔔
Timely nudges

Get notified about unusual spending, upcoming bills and budgets that are running hot, before month-end surprises.

💡
Practical recommendations

Suggestions based on your own cash flow, showing where small changes can add up to real savings.

📈
Financial health score

A simple score and trend that summarise your habits, so progress is easy to see and easy to keep going.

BLiTZ AI

From data to decisions.

BLiTZ AI reads across all your accounts and highlights what matters: what changed, what is coming and what you could do about it. Your data stays yours, shared only with your explicit consent via PSD2.

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78Financial health · illustrative
HousingStable
GroceriesSlightly up
Subscriptions3 to review
Savings rateOn track

Illustration only. Figures shown are examples, not real customer data.

The Problem

The rails exist. But the
intelligent layer doesn't.

20+

Fragmented payment rails

SEPA Instant, Open Banking, card schemes and Wero each sit in their own silo. Nothing routes intelligently across them based on cost, speed and availability.

Many

Money scattered across apps

Most people hold accounts at several banks and providers, from current accounts to credit cards and PayPal, and see only a fraction of their finances in any one app. Nothing connects the dots.

2–3%

Card fees killing margins

Every small transaction costs merchants dearly. For a €4 coffee, that's €0.12 gone — on every single sale.

The App

BLiTZ Pay — the intelligent
payments layer.

QR code payment technology
The opportunity
The rails are ready.
Europe needs the intelligence on top.
Core Platform

A payments engine with intelligence built in.

BLiTZ Pay connects your accounts and sends each transaction down the optimal rail — SEPA Instant today, Wero and others as they scale — with financial intelligence layered on top.

✓ AI smart routing ✓ Rail-agnostic ✓ SEPA Instant today ✓ Wero-ready ✓ PSD2 regulated
QR code payment on mobile — replacing the terminal
No terminal needed — just a QR code
0.5% fee
How it works

Simple for everyone.
Powerful underneath.

01

Connect any eurozone account

Link any bank account in seconds via PSD2 Open Banking. Built on SEPA Instant rails — no proprietary scheme required.

02

Merchants display QR code

A unique QR code for your business — print it, display it. No terminal, no hardware, no waiting.

03

Customer scans & pays

Open the app, scan the code, confirm. Done in seconds — smart routing picks the optimal rail automatically.

04

Instant settlement, 0.5–1% fee

Money lands immediately. Up to 70% cheaper than card networks. No end-of-day waits.

Customer scanning QR code to pay
Step 2
Scan QR code → confirm → done
100%
of eurozone banks reachable — SEPA Instant is mandatory since 2025
0.5%
Starting fee — up to 70% cheaper than card networks
Multi
Rail-agnostic — SEPA Instant today, Wero and more as they scale
instant
Settlement — money in your account the moment payment is made
For Merchants

Accept payments.
No terminal.
Lower fees.

BLiTZ Pay is the simplest way for any local business to accept instant account-to-account payments — cafés, bakeries, kiosks, market stalls. No hardware. No lengthy setup. Just a QR code.

Merchant accepting QR payment at flower shop
📉

Cut fees by 70%

0.5–1% vs 2–3% card fees.

⚡

Instant settlement

Money in your account immediately.

All your accounts.
One app.

🏦

Every account, unified

Stop juggling 20+ banking and payment apps. BLiTZ Pay connects all your accounts, from banks and credit cards to PayPal, into one seamless experience.

⚡

Pay anywhere in seconds

Scan a QR code, confirm — done. Smart routing automatically picks the optimal rail across your connected accounts.

🤖

AI financial coaching

Get spending alerts, savings recommendations and a personal financial health score — all in one place.

💚

Support local businesses

Paying with BLiTZ Pay means local stores keep more of their money. No fat fees to card networks.

Consumer paying instantly with BLiTZ Pay
Paid instantly via SEPA Instant
Coming soon

More from the
BLiTZ ecosystem.

Coming Soon
📊
BLiTZ One

One unified dashboard across all your accounts. One login, one interface, holistic view.

Coming Soon
🤖
BLiTZ AI

AI-driven financial optimisation, spending alerts, smart savings and a personal health score.

Coming Soon
🔒
BLiTZ Vault

Secure vault for digital assets and documents. Digital Euro ready, bank-grade encryption.

Blog

Notes on money,
made clearer.

Financial insights · 4 min
Why your finance apps never show the full picture

Banks, cards, PayPal: every app shows only a piece. Here is what gets lost, and how to get it back.

Read →
Payments · 3 min
The €4 coffee: what card fees really cost

A small purchase makes the fee maths easy to see. Here is how it adds up for a small business.

Read →
Explainer · 4 min
SEPA Instant, explained simply

Payments that arrive in seconds, any time of day. What changed, and why it matters for everyday life.

Read →
All articles →

Ready to experience
payments differently?

Join merchants and consumers who are switching to a smarter, cheaper, unified way to pay across Europe.

Contact Us Explore Products

Applied Payments Technology GmbH · Krefeld, Germany
info@blitz-pay.de · +49 155 10819580