“Can a German craft-business SaaS become the financial OS for tradespeople, starting with payment acceptance and expanding into banking and lending?”
ToolTime started as a digital workflow / job-management SaaS for German craftspeople (Handwerksbetriebe) — quoting, invoicing, time tracking, measurements. In 2024 it expanded into embedded finance with ToolTime Pay, an Adyen-powered payment acceptance product that lets tradespeople collect invoice payments via card, Apple Pay, or bank transfer. Per the founder's podcast, the company explicitly chose embedded banking/acquiring over open-banking pay-by-bank, framing payments as a gateway toward broader financial products for the craft vertical.
ToolTime processes payments through Adyen and ToolTime Pay (self-branded, Adyen-powered).
ToolTime integrates with DATEV, Lexware Office, IDS-Connect, DATANORM, GAEB and Open MasterData.
The Embedded Finance Index 2026 maps 2 layers in ToolTime's stack: Payments / PSP (Adyen and ToolTime Pay (self-branded, Adyen-powered)); Accounting (DATEV, Lexware Office, IDS-Connect, DATANORM and 2 others).
ToolTime is headquartered in Berlin, Germany.
ToolTime has raised €55M in total.
Get a read on where your own stack stands against ToolTime 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.