--- title: "Mobile Business Engine GmbH · Payment institution (Federal Financial Supervisory Authority) · Germany | Elucidate" description: "Mobile Business Engine GmbH is authorised by Federal Financial Supervisory Authority as a payment institution in Germany. Licence 158494. LEI 894500GREXEIX53S7F41. Register status, licences, activities and ownership." url: https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6 --- 1. [Directory](https://elucidate.co/directory) 2. [Germany](https://elucidate.co/directory/country/de) 3. Mobile Business Engine GmbH Germany · Payments & e-money # Mobile Business Engine GmbH Mobile Business Engine GmbH is a German limited liability company with its seat in Düsseldorf. BaFin authorises it as a payment institution under the German Payment Services Supervision Act (ZAG), with register number 158494. It is a wholly owned subsidiary of net digital AG of Düsseldorf. It runs a direct carrier billing platform that lets merchants charge purchases to customers' German mobile phone bills. In April 2025, net digital AG announced that the firm would also act as a payment facilitator for card acceptance. Register status Licensed in Germany Payment institution · Federal Financial Supervisory Authority Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6#licences) BIC **No BIC** LEI **[894500GREXEIX53S7F41](https://search.gleif.org/#/record/894500GREXEIX53S7F41)** [Licence no. **158494**](https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6#licences) ## Licences and registrations Held by Mobile Business Engine GmbH (LEI 894500GREXEIX53S7F41). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026. | Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) Federal Financial Supervisory Authority | Payment institutionPayment Institution | 158494 | [Germany](https://elucidate.co/directory/country/de) | Active | 2021-09-20 | — | - Money remittance - Payment services - Card acquiring | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - Each licence applies in the country of the regulator that granted it. - Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here. ## Swift network Swift’s ISO 9362 BIC directory Holds no BIC in Swift’s directory. Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6#overview-sources) Customers Not published Employees Not published Ownership Group subsidiary 100% net digital AG Firm type Merchant acquiring and processing Trades as mbe - **Ownership:** net digital AG, whose shares trade on the Düsseldorf and Frankfurt open markets, owns 100% of the firm and in October 2025 its shareholders approved a control and profit transfer agreement with it. - **Direct parent:** [net digital AG ↗](https://search.gleif.org/#/record/391200CTSVFF9EHN8Y59), Germany 100% - **Head office:** Niederkasseler Lohweg 175, 40547 Düsseldorf, Germany - **Company register:** Amtsgericht Düsseldorf HRB 85511 ### Online - **Websites & references:** [mbe4.de ↗](https://www.mbe4.de/) did not load when checked [zahleinfachperhandyrechnung.mbe4.de ↗](https://zahleinfachperhandyrechnung.mbe4.de/) carrier billing information site with imprint and contacts [portal.mbe4.de ↗](https://portal.mbe4.de/) client (Mandanten) portal - **Official social accounts:** None found Sources · 9 pages consulted 1. [mbe4.de/impressum/](https://www.mbe4.de/impressum/) 2. [mbe4.de/agb/](https://www.mbe4.de/agb/) 3. [mbe4.de/](https://www.mbe4.de/) 4. [zahleinfachperhandyrechnung.mbe4.de/impressum/](https://zahleinfachperhandyrechnung.mbe4.de/impressum/) 5. [zahleinfachperhandyrechnung.mbe4.de/](https://zahleinfachperhandyrechnung.mbe4.de/) 6. [eqs-news.com/news/corporate/net-digital-ag-auserordentliche-hauptversammlung-stimmt-beherrschungs-und-](https://www.eqs-news.com/news/corporate/net-digital-ag-auserordentliche-hauptversammlung-stimmt-beherrschungs-und-gewinnabfuhrungsvertrag-mit-der-mobile-business-engine-gmbh-zu/3679335c-5b02-4f74-91c7-eb5b8c829709_de) 7. [eqs-news.com/news/ad-hoc/net-digital-ag-net-digital-ag-raises-2026-revenue-and-ebitda-forecast/fedb09c](https://www.eqs-news.com/news/ad-hoc/net-digital-ag-net-digital-ag-raises-2026-revenue-and-ebitda-forecast/fedb09cd-8542-405d-9bc1-d0fa4c6540d5_en) 8. [net-digital.com/net-digital-ag-strengthens-strategic-position-in-the-payments-sector-subsidiary-becomes-a](https://net-digital.com/net-digital-ag-strengthens-strategic-position-in-the-payments-sector-subsidiary-becomes-a-licensed-payment-facilitator/) 9. [net-digital.com/net-digital-ag-tochter-mbe-schliest-weitreichenden-rahmenvertrag-als-plattformbetreiber-f](https://net-digital.com/net-digital-ag-tochter-mbe-schliest-weitreichenden-rahmenvertrag-als-plattformbetreiber-fur-das-direct-carrier-billing-mit-11-ab/) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6#overview-sources) - **Operates under:** Its own licences BaFin authorises the firm as a payment institution under section 10 of the ZAG. The authorisation was granted in September 2021 and covers money remittance and card acquiring. For its payment facilitator service, its parent says transactions run through an acquiring bank's membership of the card schemes. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Federal Financial Supervisory Authority (BaFin) Germany | Payment institution (Zahlungsinstitut) under section 10 ZAG: money remittance, card acquiring | 158494 | In its own name | Active | [mbe4.de ↗](https://www.mbe4.de/agb/) | Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks. ## Partners and safeguarding Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6#overview-sources) - **Payment schemes and card networks:** Card schemes (not named) via an acquiring bank Through a partner [net-digital.com ↗](https://net-digital.com/net-digital-ag-strengthens-strategic-position-in-the-payments-sector-subsidiary-becomes-a-licensed-payment-facilitator/) Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices. ## Products and markets Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6#overview-sources) - Merchant acquiring - Payment gateway The firm lets merchants of digital content and services bill amounts up to EUR 50, as well as subscriptions, to customers' mobile phone bills through German network operators. Its merchant terms say it serves business customers only. The firm says it works with the German network operators Telekom, Vodafone, Telefónica and freenet, and with most service providers, so it can reach mobile customers throughout Germany. - **Sells to:** Enterprises · Small businesses - **Serves customers in:** Germany ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6#overview-sources) - **Chief executive:** Frank-J. Arnold Managing Director (Geschäftsführer) Confirmed 29 Sep 2026 · [mbe4.de ↗](https://www.mbe4.de/impressum/) - **Executive:** Sten Uhlig Managing Director (Geschäftsführer) Confirmed 29 Sep 2026 · [mbe4.de ↗](https://www.mbe4.de/impressum/) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/mobile-business-engine-gmbh-b595597735d6#overview-sources) 1. Oct 2025 Other net digital AG's shareholders approved a control and profit transfer agreement with the firm. The agreement also needed the firm's own approval and registration. [eqs-news.com ↗](https://www.eqs-news.com/news/corporate/net-digital-ag-auserordentliche-hauptversammlung-stimmt-beherrschungs-und-gewinnabfuhrungsvertrag-mit-der-mobile-business-engine-gmbh-zu/3679335c-5b02-4f74-91c7-eb5b8c829709_de) 2. Apr 2025 Other net digital AG announced that the firm would start working as a payment facilitator under its BaFin licence from summer 2025. [net-digital.com ↗](https://net-digital.com/net-digital-ag-strengthens-strategic-position-in-the-payments-sector-subsidiary-becomes-a-licensed-payment-facilitator/) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source. ## Identifiers - **Licence no. · EBA-PSD2:** 158494 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [894500GREXEIX53S7F41 ↗](https://search.gleif.org/#/record/894500GREXEIX53S7F41) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** b595597735d6 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Money remittance - Payment services - Card acquiring - **Licensed in:** [Germany](https://elucidate.co/directory/country/de) · Europe & Central Asia - **First registered:** 2021-09-20 Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records - **Direct parent:** net digital AG · Germany[391200CTSVFF9EHN8Y59 ↗](https://search.gleif.org/#/record/391200CTSVFF9EHN8Y59) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Address on the register:** Niederkasseler Lohweg 175 | 40547 Düsseldorf, Düsseldorf, 40547 - **Country:** Germany ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code. - **Identified by:** Name and postal address, with its LEI - **Postal address:** Hybrid: town, postcode and country in their own elements, the rest in two address lines ```xml 894500GREXEIX53S7F41 Mobile Business Engine GmbH 40547 Düsseldorf DE Niederkasseler Lohweg 175 | 40547 Düsseldorf ``` - The address line repeats the town or postcode. Remove the repeat if your payment system rejects it. - CBPR+ does not accept the character ü in names and addresses. Transliterate before sending. CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent. The values are as published by the register. Check them against your own records before use. ## Related institutions ### Other payments & e-money institutions in Germany - [Voeb-Zvd Processing GMBH BIC VZVDDED1 Payments & e-money Prudential licence Germany · Licensed by Federal Financial Supervisory Authority · 123960 (EBA-PSD2) · LEI 529900XGDXLEX5L16R90](https://elucidate.co/directory/voeb-zvd-processing-gmbh-vzvdded1) - [Boerse Stuttgart Digital Custody GmbH No BIC Payments & e-money Crypto Prudential licence Germany · Licensed by Federal Financial Supervisory Authority · 157207 (EBA-PSD2) · also on ESMA-CASP · LEI 529900RC04FR9EHUT228](https://elucidate.co/directory/boerse-stuttgart-digital-custody-gmbh-fd1f366c6402) - [Bullish Europe GmbH No BIC Payments & e-money Crypto Prudential licence Germany · Licensed by Federal Financial Supervisory Authority · 162355 (EBA-PSD2) · also on ESMA-CASP · LEI 2549008CBASK5Q680X12](https://elucidate.co/directory/bullish-europe-gmbh-a2608dc5996d) - [Reisebank AG BIC RBAGDEF1 Payments & e-money Prudential licence Germany · Licensed by Federal Financial Supervisory Authority · 108643 (EBA-PSD2) · LEI 529900CMFR5GQHWTXY51](https://elucidate.co/directory/reisebank-ag-rbagdef1) - [Tangany GmbH No BIC Payments & e-money Crypto Prudential licence Germany · Licensed by Federal Financial Supervisory Authority · 157349 (EBA-PSD2) · also on ESMA-CASP · LEI 529900WKXS5ZPJY9W498](https://elucidate.co/directory/tangany-gmbh-fe7a312a5cfb) - [AGw Allgemeine Geldwechsel Förster GmbH Wechselstube am Steindamm No BIC Payments & e-money Prudential licence Germany · Licensed by Federal Financial Supervisory Authority · 110140 (EBA-PSD2) · LEI 529900O3RKSCO36SCH80](https://elucidate.co/directory/agw-allgemeine-geldwechsel-forster-gmbh-wechselstube-am-steindamm-fa1df98445cc) - [Aifinyo Payments GMBH BIC AIPGDE82 Payments & e-money Prudential licence Germany · Licensed by Federal Financial Supervisory Authority · 156864 (EBA-PSD2) · LEI 894500F7TW6DGUZCZZ87](https://elucidate.co/directory/aifinyo-payments-gmbh-aipgde82) - [AirPlus International GmbH No BIC Payments & e-money Prudential licence Germany · Licensed by Federal Financial Supervisory Authority · 119736 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/airplus-international-gmbh-1514a814a1b4) [See all →](https://elucidate.co/directory/search?type=payments&cc=DE) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) Sources & method Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI. An institution missing from these registers is not necessarily unregulated. Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026 - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. ## Assess the financial crime risk behind a licence A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.