ToolTime
“Can a German craft-business SaaS become the financial OS for tradespeople, starting with payment acceptance and expanding into banking and lending?”
HQBerlin, Germany
Total raised€55M
IndustryVertical SaaS / Construction
The story
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.
Product timeline
2024
Launched ToolTime Pay — first digital payment system for German craft businesses, powered by Adyen· payments
The stack
2 layers disclosed in ToolTime’s embedded-finance stack
Payments / PSP
AdyenToolTime Pay (self-branded, Adyen-powered)
Accounting
in the full report
Accounting gap: minor
6 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.