Germany · Payments & e-money
Riverty GmbH
Riverty GmbH is a German limited liability company (GmbH) based in Verl. BaFin authorises it as a payment institution under the Payment Services Supervision Act (ZAG). It is part of the Riverty group, whose ultimate parent is Bertelsmann SE & Co. KGaA, and it was formerly named Arvato Payment Solutions GmbH. Under the Riverty brand it processes open-invoice, direct debit and instalment payments made by online shops' customers. In 2026 the group moved this business to Riverty Bank S.A. in Luxembourg, which has served German customers since 1 August 2026.
Licences and registrations
Held by Riverty GmbH (LEI 5299000OGZU8QU22ZH28). 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 RegisterFederal Financial Supervisory Authority | Payment institutionPayment Institution | 142183 | Germany | Active | 2018-07-13 | — |
|
Search the register ↗ |
- 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
Customers
Not published
Ownership
Group subsidiary
Firm type
Lending or buy now, pay later
Trades as Riverty
- Standing
- Since 1 August 2026 the Riverty buy-now-pay-later customer relationships in Germany have moved to Riverty Bank S.A., a Luxembourg credit institution in the same group. Riverty GmbH remains registered with BaFin as a payment institution, according to the register data held for this profile.
- Ownership
- The firm's LEI record gives Bertelsmann SE & Co. KGaA as its ultimate accounting parent.
- Ultimate owner
- Bertelsmann SE & Co. KGaA, Germany
- Head office
- Gütersloher Straße 123, 33415 Verl, Germany
- Company register
- Amtsgericht Gütersloh HRB 9923
- Former name
- Arvato Payment Solutions GmbH
Online
- Websites & references
- riverty.com ↗
docs.riverty.com ↗ developer documentation
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · TikTok ↗
Sources · 9 pages consulted
- riverty.com/de/beschwerdeverfahren/
- riverty.com/de/impressum/
- riverty.com/en/imprint/
- riverty.com/en/business/newsroom/riverty-establishes-bank-in-luxembourg/
- de.riverty.support/hc/de/articles/48880277372433-Umstellung-auf-Riverty-Bank-S-A
- documents.riverty.com/app/web_terms_conditions/de_de
- documents.riverty.com/app/app_terms_conditions/de_de
- verbraucherzentrale-bawue.de/verbandsklagen/klage-gegen-riverty-gmbh-107073
- en.wikipedia.org/wiki/Riverty
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
BaFin authorises the firm as a payment institution under the ZAG. The EBA register lists money remittance, payment services and card acquiring. Neither the firm nor the sources reviewed say how many EEA states the licence is passported to.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Federal Financial Supervisory Authority (BaFin) Germany | Payment institution (Zahlungsinstitut) under the ZAG | 142183 | In its own name | Active | portal.mvp.bafin.de ↗ |
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.
Products and markets
Researched 29 Sep 2026 · Sources
It processes open-invoice, direct debit and instalment payments for online shops' customers. Its regulated service is receiving customers' payments, matching them to orders and passing the funds to the shops.
Its 2023 MyRiverty portal terms applied to customers with billing addresses in Germany, Austria and Switzerland. Since August 2026 the group's German and Austrian app terms have been issued by Riverty Bank S.A.
- Sells to
- Consumers · Enterprises · Small businesses
- Serves customers in 3 countries
- Germany · Austria · Switzerland
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Mareen Wiemann Geschäftsführerin (managing director)
- Executive
- Arne Moritz Harff Geschäftsführer (managing director)
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
Riverty moved buy-now-pay-later customer relationships to Riverty Bank S.A. from 1 August 2026, with a new SEPA creditor identifier.
de.riverty.support ↗ -
Licence
Riverty announced an EU banking licence for a Luxembourg bank, moving its payment and credit business out of the PSD2 payment institution.
riverty.com ↗ -
Other
Bochum Regional Court upheld a consumer association's injunction claim against the firm over dunning fees and collection of disputed claims. The firm appealed.
verbraucherzentrale-bawue.de ↗
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
- 142183
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 5fb74aaea6e7
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Payment Institution
- Activities
- Money remittance
- Payment services
- Card acquiring
- Licensed in
- Germany · Europe & Central Asia
- First registered
- 2018-07-13
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
- Ultimate parent
- Bertelsmann SE & Co. KGaA · Germany5299001BUUGXAREGE533 ↗
The Bertelsmann SE & Co. KGaA group has 2 institutions in the directory, in 2 countries: 1 holds a BIC and 1 does not.
Including Rtl Group SA.
See the Bertelsmann SE & Co. KGaA group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Gütersloher Straße 123 | 33415 Verl, Verl, 33415
- 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 one address line
<FinInstnId>
<LEI>5299000OGZU8QU22ZH28</LEI>
<Nm>Riverty GmbH</Nm>
<PstlAdr>
<PstCd>33415</PstCd>
<TwnNm>Verl</TwnNm>
<Ctry>DE</Ctry>
<AdrLine>Gütersloher Straße 123 | 33415 Verl</AdrLine>
</PstlAdr>
</FinInstnId>- The address line repeats the town or postcode. Remove the repeat if your payment system rejects it.
- CBPR+ does not accept the characters ü ß 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.
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 →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ 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) is an independent score of the financial crime risk of banks and payment institutions.
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