€24.50
Bäckerei Schmidt
A2A PAYMENTS.
IN-STORE + ONLINE.
An open banking payment platform for account-to-account transactions — at the counter and in your online shop. SEPA Instant settles in under 10 seconds. 0.25% per transaction. Integrated cashback loyalty — funded by the interchange fees merchants no longer pay to card networks.
Get Early AccessHow it works
SCAN. CONFIRM.
DONE.
EPC QR Generation
The merchant's device generates a dynamic EPC QR code (GiroCode) with the transaction amount and unique reference. Static QR stickers also supported for fixed-amount or open-amount use cases.
SEPA Instant Transfer
Consumer scans the GiroCode with any banking app — universally supported across German banks. Biometric confirmation triggers a SEPA Instant Credit Transfer. Settlement in under 10 seconds.
Real-time Confirmation
Bank webhook confirms the incoming payment. Merchant sees instant confirmation on screen. Funds are irrevocable — zero chargeback risk. A2A settlement, no intermediaries.
THE
COUNTER. Same low fees, every channel
Online payments
IN-STORE.
ONLINE. EVERYWHERE.
zahlo isn't just for the counter. Accept payments on your website, via payment links, and through e-commerce plugins — all with the same direct bank-to-bank settlement and zero interchange fees.
E-Commerce Checkout
Add Pay by Bank to your WooCommerce, Shopify, or Shopware store. Customers select their bank, authenticate, done. No card data, no chargebacks.
Payment Links
Generate a shareable link and send it via WhatsApp, email, or SMS. Customer opens the link, scans the QR code or pays directly from their bank. Perfect for phone orders, catering, and invoicing.
Smart Payment Page
One payment page that adapts to context. Mobile visitors see a QR code to scan. Desktop visitors select their bank. Email recipients get a payment link. Always the fastest path to payment.
Instant Refunds
Issue refunds that arrive in seconds, not days. No chargeback disputes. The merchant decides when and whether to refund — full control.
0.25%
Per transaction. That's it.
Pricing
SAVE UP
TO 90%.
Transaction cost comparison on a €50 payment:
No monthly fees, no setup costs. Pilot program merchants pay nothing — completely free during the pilot phase.
Savings calculator
YOUR
NUMBERS.
Enter your business details to see exactly how much you'd save with zahlo — and how much cashback your customers would earn.
Annual comparison
* Free during pilot — no fees, no commitment.
PAYMENT
REWARDS. Cashback funded by your interchange savings
Built-in loyalty
CASHBACK.
AUTOMATIC.
Customers who use the zahlo app earn automatic cashback on every purchase — funded by the money you save on interchange fees. No stamp cards, no separate system.
Funded by your savings
You save up to 90% on payment fees. Redirect a fraction (e.g. 0.3%) into cashback. You still save — and your customers come back.
The payment IS the enrollment
No "do you have our loyalty card?" at checkout. Every payment through the zahlo app automatically tracks rewards. Zero friction.
41% stay loyal
Consumers rank loyalty programs as their #1 reason for sticking with a brand. Now every bakery and Spätkauf has what Starbucks has.
Built for Europe
PROUDLY
EUROPEAN.
Built on SEPA Instant Credit Transfer — the pan-European real-time payments infrastructure. Consumers pay from their existing bank account using any banking app. No new app required, no new account, zero friction.
EUROPE. Powered by SEPA Instant
FAQ
QUESTIONS?
ANSWERS.
No. Customers pay using their existing banking app — Sparkasse, Deutsche Bank, ING, N26, or any other bank that supports SEPA Instant. They just scan the QR code, confirm the amount, and the payment is complete.
Just your smartphone or tablet. No card reader, no terminal, no dongles. You can also print a static QR sticker for your counter for hands-free operation.
Instantly. SEPA Instant Credit Transfer settles in under 10 seconds, 24/7/365. The money lands directly in your bank account — not in a third-party wallet that you have to withdraw from later.
No. SEPA Instant Credit Transfers are irrevocable once confirmed. Unlike credit card payments, there is no chargeback mechanism. Once you see the green checkmark, the money is yours.
Every bank that supports SEPA Instant Credit Transfer and EPC QR codes (GiroCode). In Germany, this covers Sparkasse, Volksbanken, Deutsche Bank, Commerzbank, ING, DKB, N26, and many more — over 95% of German bank accounts.
Card payments involve multiple intermediaries — acquirer, card network, issuing bank — each taking a cut. Zahlo uses direct bank-to-bank transfers over SEPA Instant, eliminating all intermediary fees. That's why we charge just 0.25% per transaction — and pilot program merchants pay nothing at all.
When customers pay with the zahlo app, they automatically earn cashback on every purchase. The cashback is funded by a fraction of the interchange fees the merchant saves by using zahlo instead of card networks. Merchants choose how much to redirect (e.g. 0.3%) — they still save money overall. Customers don't need the zahlo app to pay — any banking app works — but the app rewards them for coming back.
No. Payment works with any banking app that supports SEPA Instant and GiroCode — which covers over 95% of German bank accounts. The zahlo customer app is optional and adds cashback tracking, loyalty rewards, and repeat-visit incentives. It's not required to pay, but it gives customers a reason to come back.
Yes. zahlo offers e-commerce plugins for WooCommerce, Shopify, and Shopware. Customers select their bank at checkout, authenticate in their banking app, and the payment settles instantly. Same 0.25% fee, same zero-chargeback guarantee as in-store.
A payment link is a shareable URL with a pre-filled amount. You generate it from the zahlo app and send it via WhatsApp, email, SMS, or any messaging channel. When the customer opens it, they see a payment page and can pay directly from their banking app. Ideal for phone orders, deliveries, catering, and invoicing.
We're launching in Germany in 2026. Join the free pilot to be among the first merchants to accept payments without interchange fees — zero cost, zero risk.
JOIN THE
FREE PILOT.
Try zahlo free — zero fees, zero risk. Be among the first merchants to accept payments with integrated loyalty. Launching in Germany — 2026.
Your email app will open with a pre-filled message. Send it to register for the pilot.