“Can a specialist European microtransaction billing platform scale into a full-stack online payment provider by layering open banking Pay by Bank rails onto its existing card and direct billing infrastructure?”
Micropayment GmbH is a Berlin-based technical payment service provider originally focused on low-value, microtransaction billing for digital content and online services. The company operates a Whitelabel (API) platform that allows online retailers to process cashless payments for small transactions ranging from a few cents to a few dollars. More recently, Micropayment expanded its rails by partnering with Tink to offer Pay by Bank at checkout, signalling a move toward open banking-native payment initiation as an alternative to card-based rails.
Micropayment processes payments through Micropayment (self-operated).
Micropayment connects to bank accounts through Tink.
The Embedded Finance Index 2026 maps 2 layers in Micropayment's stack: Payments / PSP (Micropayment (self-operated)); Open banking (Tink).
Micropayment was founded by Armin Klencz and Thomas Knoth and is headquartered in Berlin, Germany.
Get a read on where your own stack stands against Micropayment 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.