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← Embedded Finance Index 2026

pay33

“Can a white-label mobility-plus-banking app become the default wallet for Europe's EV drivers?”

Founded2019
HQGrünwald, Bavaria, Germany
Latest roundVenture (2024-12)
IndustryFintech / Neobank
The story

Founded 2019 as a Germany-focused mobile banking app paired with a top-up card (built with Salt Studio and Onfido for KYC). Repositioned as 'Europe's first unified mobility + payment + loyalty' white-label B2B2C SaaS platform targeting EV charging, fueling, and cashback — now pitching itself as a full-fledged banking provider for electric mobility rather than a consumer neobank.

Last 12 months
2024-12
Product timeline
2019
pay33 direct GmbH founded in Grünwald, Germany· founding
2022
Mobile app build with Ministry of Programming — React Native front-end, Node.js backend, integrated payment APIs· product
2024
Raised venture round· funding
The stack
3 layers disclosed in pay33’s embedded-finance stack
Money movement
SEPA
Card network
in the full report
KYC
in the full report
Accounting gap: minor
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

pay33 — frequently asked

Which payment rails does pay33 use?

pay33 moves money over SEPA.

Which card network does pay33 use?

pay33's cards run on Mastercard.

Which KYC provider does pay33 use?

pay33 uses Onfido for KYC and identity verification.

What is pay33's embedded finance stack?

The Embedded Finance Index 2026 maps 3 layers in pay33's stack: Money movement (SEPA); Card network (Mastercard); KYC (Onfido).

Where is pay33 headquartered?

pay33 is founded in 2019 and headquartered in Grünwald, Bavaria, Germany.

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