payever is a fintech headquartered in Hamburg. Founded 2013 with the aim to establish a commerce platform for merchants of any size and industry, payever offers a continuously expanding range of Payment & Checkout Solutions for both eCommerce & the Point of Sale. Through its unique platform, payever also provides additional tools and Value-Added Services. Over 5,000 merchants in 9 countries (from SMBs to big international retailers/brands like MediaMarkt, Cyberport & 1Komma5) as well as major partners like Santander, Openbank and Allianz Trade trust in payever. With its modern payment API and multiple plugins for popular eCommerce platforms such as Shopify, WooCommerce, Magento, Shopware or Commercetools as well as other features like Pay by Link, thousands of merchants utilize payever's Checkout Solutions. These include Sales Finance/Lending, B2C/B2B Buy Now Pay Later option as well as direct bank transfer based on Open Banking with support of environmental projects. Acquiring/Card and Digital Wallets complete payever's payment portfolio. BNPL/Lending can be offered as a stand-alone solution in brick-and-mortar retail (Merchant Portal) as well as through QR, SMS and Email (Self-Checkout), or integrated into the merchant's existing systems via API. A completely paperless Lending product allows customers to complete the process fully digital with OCR technology and e-signing, even without any assistance from sales personnel. Value-Added Services include an AI-powered PIM through the aforementioned integrations/plugins to alternative sales channels such as Amazon, eBay, or Meta as well as an own No Code Builder (Selling Solutions). Within the Communication Solutions, merchants can add a live chat on the website and chat with their customers through apps like WhatsApp or Messenger, enabling direct sales. Further integrations with social media such as Facebook or Instagram, allow merchants to promote products and enable a one-click checkout (Marketing Solutions).