← State of Embedded Finance 2026

Onfy

Can a German pharmacy marketplace become the financial OS for independent Apotheken?

HQGermany
IndustryMarketplace / Healthcare
The story

Onfy operates a German online marketplace for non-prescription pharmacy, health, wellness, and care products, connecting consumers to multiple partner pharmacies on one platform. In 2025, Onfy extended into embedded finance by launching working-capital lending to its pharmacy sellers via Banxware — a clear push to follow the Shopify/Amazon marketplace-to-financial-OS playbook within the niche of German Apotheken.

Last 12 months
2025-07
Product timeline
2025
Launched embedded lending offering for marketplace pharmacies in partnership with Banxware.· lending
The stack
Payments / PSP
PayPalCredit/Debit card (provider undisclosed)
Lending
BanxwareEmbedded lending for pharmacy merchants (powered by Banxware)
Accounting gap: none