BLiTZ Pay is a white-label payments platform with built-in financial intelligence. QR-based account-to-account payments, running today on SEPA Instant rails – with smart routing that sends every transaction down the optimal path. Banks, payment service providers and brands deploy it under their own identity.
Europe is building a new generation of payments – with Open Banking, SEPA Instant Payments and, in time, Wero. We build the layer above it: a rail-agnostic platform that makes this infrastructure usable in everyday life.
Applied Payments Technology GmbH is part of the international APT Group, a network of FinTech companies with locations in Europe, Asia and Africa.
Our founders and leadership team bring more than 20 years of experience in developing, implementing and operating payment systems for banks, payment service providers and financial institutions worldwide.
Unlike many young FinTechs, our work is built not just on ideas, but on long-standing experience with real payments infrastructure and the complex requirements of regulated financial markets. That experience is the foundation BLiTZ Pay stands on today.
Our enterprise platform for interbank payments: ISO 20022 compliant, proven in live operation and deployed internationally. This is our technological foundation – years of experience with the standards that European payments are built on.
Our white-label payments platform: QR-based account-to-account payments with built-in financial intelligence for smart routing. It runs today on SEPA Instant rails, is rail-agnostic by design and ready for Wero as the network gains momentum. Banks, PSPs and brands deploy it under their own identity.
European payments are going through one of the biggest transformations since the introduction of card payments.
With Open Banking and the legally mandated SEPA Instant rollout, Europe now has a modern, ubiquitous payments infrastructure for the first time. Wero is arriving as a further scheme. The rails exist – what's missing is the intelligent layer above them that makes them usable.
Yet while the technical infrastructure is being built, a simple, practical solution for in-store commerce is still missing in many places. Many merchants remain dependent on costly card terminals, high transaction fees and complex payment processes.
Our founders recognised this challenge early. After many years building international payment platforms, the vision emerged to connect the new European payments infrastructure directly with the needs of small and medium-sized businesses. From this idea, BLiTZ Pay was born.
Our mission is to make modern account-to-account payments as easy to use as traditional card payments – but faster, cheaper and without additional hardware.
We give every consumer & merchant in Europe simple access to modern account-to-account payments. We pursue five central goals.
We want to help build an open, competitive and future-proof European payments system.
Digital payments remain expensive for many businesses – and small and medium-sized companies feel the burden directly in their margins.
Despite these developments, most merchants still lack a simple way to use these innovations in everyday business. That is exactly where BLiTZ Pay comes in.
A white-label platform with built-in financial intelligence: the QR code is the experience layer, smart routing the intelligence layer that sends every payment down the optimal rail – by cost, speed and availability.
We're not building just another payment app. We bring decades of experience building payment networks into a solution for European commerce.
Clearing and settlement solutions for national and international payment networks – designed, implemented and run in live operation.
Building and operating instant-payment platforms with 24/7 availability for banks and payment service providers.
Implementation and certification of the modern messaging standard that European and global payments are built on.
Deep expertise in card-based payment systems and the ISO 8583 standard for authorisation, clearing and settlement.
Integration and operation of HSM infrastructure for PIN processing, key management and the cryptographic protection of transactions.
High-availability systems where resilience, performance and data integrity must be guaranteed around the clock.
Connecting, driving and operating ATM and point-of-sale networks, including terminal management.
Card management systems covering issuance, lifecycle management, authorisation and dispute handling.
Successful projects across Europe, Asia and Africa – including connectivity to Swiss Interbank Clearing (SIC) and the associated certification processes.
API-based platforms for account information and payment initiation services under PSD2.
This experience allows us to understand payment products not only from the merchant's perspective, but also from the perspective of the underlying infrastructure.
Three locations, one international team of experienced payments and technology specialists.
More than two decades of experience in payments and financial technology.
Serial entrepreneur and FinTech expert with more than 20 years of experience in payments and financial technology. His focus is on company building, product strategy and international payment solutions.
Responsible for the group's technology strategy and the development of its platforms and products. His expertise spans software architecture, scalable platforms and modern payment technologies.
Responsible for operations, business development and go-to-market strategy. He combines technical understanding with extensive experience in business leadership and growth.
Supports business development and the building of strategic partnerships in Germany. His expertise lies in process optimisation, corporate development and partnerships.
Behind BLiTZ Pay stands an international team of more than 25 specialists from Germany, India and South Africa – working across payments, Open Banking, software development, product management, operations, compliance, quality assurance and customer support.
What unites us is the conviction that innovative technology must solve real problems and create measurable value for businesses.
Several developments are fundamentally reshaping the European payments market – and BLiTZ Pay sits exactly at their intersection.
Since 2025, instant transfers are legally required for all eurozone banks – a ubiquitous infrastructure we already run on today.
Competition is shifting from terminals to software – smart routing and financial intelligence become the decisive added value.
New regulatory frameworks are driving innovation and competition in payments.
Wero is emerging as a Europe-wide alternative to international card schemes. Our rail-agnostic platform is ready to integrate it as it scales.
These partnerships help us bring innovative payment solutions successfully to the European market.
Short distances, clear thinking: regulatory, product and engineering sit at one table here – quite literally.
The best ideas rarely happen at a desk. Our office sits right by Sollbrüggenpark – the lunchtime walk along the water is part of the routine.
Our home in Krefeld-Bockum is surrounded by green: Sollbrüggenpark, with its old trees and quiet waterways, begins right outside the door, and Schönwasserpark and the Krefeld Stadtwald are just minutes away. Walks in the park aren't the exception here – they're part of how we work, whether it's a one-on-one conversation, clearing your head between meetings, or simply lunch in the fresh air.
And after work? Just a stroll away in the Stadtwald sits the Stadtwaldhaus and its beer garden – regarded by many as the most beautiful beer garden in Germany. Summer evenings with the team under the chestnut trees are simply part of life here.
Getting here is just as easy: the nearest public transport stop is barely a minute's walk from the office – so arriving by bus or tram is every bit as convenient as coming by car.
We believe in a future where digital payments are instant, affordable, open and intelligent – and where no single network decides how Europe pays.
A future where an intelligent, rail-agnostic layer routes every payment down the best available path – SEPA Instant today, Wero tomorrow, and whatever comes next. A future where banks, merchants and brands run this infrastructure under their own identity.
With BLiTZ Pay, we are actively shaping that future.
Thesis project, internship or research collaboration – we look forward to meeting people who want to shape the payments of tomorrow.