Users
1.2MPAYBACK PAY combines mobile checkout with Germany's PAYBACK loyalty programme. Users pay through the app at participating stores and online, collecting or redeeming points in the same flow. Funding can come from a registered credit card or a SEPA direct debit from a current account.
Use cases:
Channels:
Initiation:
Markets
1TPV
$126MTransactions
2.5MEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
Estimated Monthly Usage, Aurato Research, October 2026
PSPs
No PSP implementations have been mapped for this method yet.
Schemes
Compliance
Regulator
Deutsche Bundesbank






