“Can Europe's largest food-delivery marketplace turn its consumer scale into an embedded financial layer for corporate meal benefits and restaurant partners?”
Lieferando is the German brand of Just Eat Takeaway.com (JET), the result of a decade of European food-delivery consolidation. After Takeaway.com bought Lieferando in 2014 and absorbed Delivery Hero's German brands in 2018, the group merged with Just Eat in 2020 to become Europe's dominant marketplace operator. Embedded finance has been a back-burner pillar relative to peers: the standout move is a 2022 white-label meal-card issuing program built on Adyen for the corporate-canteen replacement product (JET for Business). Unlike sister-platform Delivery Hero, JET has not publicly launched embedded merchant lending on Lieferando.
Lieferando discloses Adyen as its banking provider, according to the Embedded Finance Index 2026.
Lieferando does not disclose a bank charter of its own; its banking services are provided through Adyen.
Lieferando processes payments through Adyen.
Lieferando's cards are issued through Adyen.
The Embedded Finance Index 2026 maps 3 layers in Lieferando's stack: Payments / PSP (Adyen); Banking / BaaS (Adyen); Card issuing (Adyen).
Lieferando is founded in 2009 and headquartered in Berlin, Germany (parent: Amsterdam, Netherlands).
Get a read on where your own stack stands against Lieferando and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.