“Can an ERP platform for product-based SMBs become the operational backbone that also owns the payments and financial data layer for European e-commerce businesses?”
Xentral started as a traditional ERP for German e-commerce SMBs and has evolved into a full-stack operations platform connecting sales channels, warehousing, accounting, and payment service providers. The company differentiated by building Xentral Connect, an internal middleware layer that enables no-code integrations with 200+ tools. Its embedded finance angle focuses on integrating third-party payment processors (notably Mollie) and accounting/banking systems directly into ERP workflows rather than issuing financial products itself.