Payment solution for marketplaces

Secure payment processing for online marketplaces with the highest usability for operators and merchants.

  • Mixed shopping carts
  • ZAG-compliant payment processing
  • Comfortable dealer onboarding
  • Individual commission statements
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The heidelpay marketplace solution

The heidelpay Marketplace Solution provides you with a highly functional platform for processing online marketplaces. Based on the requirements of ZAG-compliant payment processing, our complete solution offers all features for the simple administration of merchants and payments - such as the activation of new payment methods, a fast connection of further merchants, the processing of mixed shopping baskets or the implementation of voucher models.

The system can be scaled to individual platform requirements and offers you optimal support in every phase of your business. This allows you to outsource time-consuming processes and concentrate entirely on marketing your marketplace.

Over 200 marketplaces already use the heidelpay Marketplace Solution at both national and international level. Learn more about our unique solution. We will be happy to advise you!

Billing models for online marketplaces

With the marketplace model of heidelpay operators do not need a BaFin license.

Payments processed via the marketplace operator
All payments are processed through the accounts of the marketplace operator. In this case heidelpay only processes the transactions. For such transactions, however, marketplace operators do not require a permit from the Federal Financial Supervisory Authority (BaFin).

Payments processed via heidelpay
As a payment institution supervised by the BaFin, we take over the complete processing of all payments up to the payment of turnover and commissions to the marketplace participants and operators. As an operator, you do not need a licence from BaFin.

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Features of the heidelpay marketplace solution

    Payment handling

  •   Simple connection of all desired payment methods
  •  Acceptance of payments from all EU member countries
  •  Problem-free processing of returns
  •   Account management of the payment account

 mixed shopping baskets

  •   Shopping carts with products from different dealers
  •   Problem-free partial credits and cancellations


  •   Integrated risk management with over 40 risk checks
  •  real-time credit assessment 
  •   ZAG-compliant and PCI-DSS-certified solution
  •  Payment transactions via insolvency-secured trust accounts 


  •   Paperless onboarding using smartIDENT or videoIDENT
  •   Online portal (hCS) for 24h registration of new dealers


  •   Automatic provisioning based on predefined models
  •   Automatic settlement and payout of dealers 

   Additional Services

  •   Intelligence platform (hiP) for monitoring transactions
  •   Customizable reporting
  •   Inhouse support & Consulting

   Additional Services

  •   Intelligence platform (hiP) for monitoring transactions
  •   Customizable reporting
  •   Inhouse support & Consulting

Do you have any questions?

We are happy to help you personally!

Performance components in detail

Simple set-up

The heidelpay Contract Stage (hCS for short), which is designed for maximum user-friendliness, maps the entire contract and connection process. New merchants are guided through the registration process by a web assistant and can thus easily be connected. For you as the operator, the hCS offers a convenient way to keep track of your merchants and to easily control the activation processes.

smartIDENT | videoIDENT

The identification of dealers according to ZAG has been a complex and lengthy process up to now. But with the smartIDENT or videoIdent process from heidelpay, this process is also optimized. Dealers can be identified both at home and abroad according to ZAG/GWG specifications without media disruptions. For the retailer, only minimal effort is required, without having to use cumbersome procedures such as PostIDENT.

Returns handling

By mapping the transactions at the level of the marketplace participants, returns can be processed without any problems. The corresponding customer functions are available via hIP or API interface and can be controlled both by you and by the marketplace participant. It does not matter whether only part or all of the purchase order is to be returned.

Mixed shopping baskets

It is not uncommon for shopping baskets with articles from different suppliers to be put together on one marketplace. These shopping baskets can be handled by heidelpay with only one payment transaction for the customer. Nevertheless, all functions for payments are available, e.g. partial credit notes, partial cancellations, etc.

Comprehensive consulting

Before concluding a contract, we advise you intensively on the optimal implementation of your business model. We want our solution to be 100% tailored to your needs.

Billing on commission

The heidelpay Marketplace Solution allows you to create individual commission models for individual merchants. The settlement takes place immediately with the payment of the turnover. No invoicing or calculation by the marketplace operator is necessary.


Over 200 payment methods


Easy integration


Full service offer

Lea Jäger

Lea Jäger

Vangerowstraße 18
69115 Heidelberg

Tel: +49 (0) 6221 - 6471 230