“Can a European ERP platform become the operational and financial backbone for SME e-commerce brands by embedding payments, tax, banking, and marketplace integrations into a single workflow hub?”
Xentral started as a traditional ERP and CRM software provider for German-speaking SMEs. The company evolved by embedding financial operations — payments, banking integrations, tax monitoring — directly into its ERP, positioning itself as an all-in-one operations platform for e-commerce and omnichannel brands. The launch of Xentral Connect expanded the product into a middleware layer, allowing merchants to connect 200+ tools including payment service providers, marketplaces (Amazon, OTTO, Shopify), and accounting software without code. The embedded finance angle is primarily about payment reconciliation and financial data flow rather than issuing financial products directly.
Xentral processes payments through Mollie and Shopify Payments (connector).
Xentral integrates with DATEV.
The Embedded Finance Index 2026 maps 2 layers in Xentral's stack: Payments / PSP (Mollie and Shopify Payments (connector)); Accounting (DATEV).
Xentral is headquartered in Augsburg, Bavaria, Germany.
Get a read on where your own stack stands against Xentral 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.