“Can ToolTime turn its grip on German craftsmen's daily workflow into a full embedded-finance stack — starting with payments, expanding to banking and lending?”
ToolTime is a Berlin-based vertical SaaS for German craftspeople (Handwerker), offering project management, invoicing and workflow tooling. After raising ~€55M and reaching 20,000+ customers, the company launched ToolTime Pay in 2024 — an embedded payments layer using Adyen — to address payment friction in a traditionally cash-heavy craft industry, positioning itself to expand into broader embedded banking and lending products.
ToolTime Pay processes payments through Adyen.
ToolTime Pay is founded in 2002 and headquartered in Berlin, Germany.
ToolTime Pay has raised €55M in total.
Get a read on where your own stack stands against ToolTime Pay 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.