--- title: "Riverty GmbH · Payment institution (Federal Financial Supervisory Authority) · Germany | Elucidate" description: "Riverty GmbH is authorised by Federal Financial Supervisory Authority as a payment institution in Germany. Licence 142183. LEI 5299000OGZU8QU22ZH28. Register status, licences, activities and ownership." url: https://elucidate.co/directory/riverty-gmbh-5fb74aaea6e7 --- 1. [Directory](https://elucidate.co/directory) 2. [Germany](https://elucidate.co/directory/country/de) 3. Riverty GmbH 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. Register status Licensed in Germany Payment institution · Federal Financial Supervisory Authority Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/riverty-gmbh-5fb74aaea6e7#licences) BIC **No BIC** LEI **[5299000OGZU8QU22ZH28](https://search.gleif.org/#/record/5299000OGZU8QU22ZH28)** [Licence no. **142183**](https://elucidate.co/directory/riverty-gmbh-5fb74aaea6e7#licences) [Group: Bertelsmann SE & Co. KGaA](https://elucidate.co/directory/group/5299001BUUGXAREGE533) ## 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 Register](https://elucidate.co/directory/register/eba-psd2) Federal Financial Supervisory Authority | Payment institutionPayment Institution | 142183 | [Germany](https://elucidate.co/directory/country/de) | Active | 2018-07-13 | — | - 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/riverty-gmbh-5fb74aaea6e7#overview-sources) Customers Not published Employees 4,000 headcount · Group · 27 May 2026 · [company statement ↗](https://www.riverty.com/en/business/newsroom/riverty-establishes-bank-in-luxembourg/) 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 ↗](https://www.riverty.com/) [docs.riverty.com ↗](https://docs.riverty.com/) developer documentation [Wikipedia ↗](https://en.wikipedia.org/wiki/Riverty) group article - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/riverty/) · [Facebook ↗](https://www.facebook.com/riverty.de/) · [Instagram ↗](https://www.instagram.com/riverty.official) · [YouTube ↗](https://www.youtube.com/@riverty) · [TikTok ↗](https://www.tiktok.com/@riverty.official) Sources · 9 pages consulted 1. [riverty.com/de/beschwerdeverfahren/](https://www.riverty.com/de/beschwerdeverfahren/) 2. [riverty.com/de/impressum/](https://www.riverty.com/de/impressum/) 3. [riverty.com/en/imprint/](https://www.riverty.com/en/imprint/) 4. [riverty.com/en/business/newsroom/riverty-establishes-bank-in-luxembourg/](https://www.riverty.com/en/business/newsroom/riverty-establishes-bank-in-luxembourg/) 5. [de.riverty.support/hc/de/articles/48880277372433-Umstellung-auf-Riverty-Bank-S-A](https://de.riverty.support/hc/de/articles/48880277372433-Umstellung-auf-Riverty-Bank-S-A) 6. [documents.riverty.com/app/web\_terms\_conditions/de\_de](https://documents.riverty.com/app/web_terms_conditions/de_de) 7. [documents.riverty.com/app/app\_terms\_conditions/de\_de](https://documents.riverty.com/app/app_terms_conditions/de_de) 8. [verbraucherzentrale-bawue.de/verbandsklagen/klage-gegen-riverty-gmbh-107073](https://www.verbraucherzentrale-bawue.de/verbandsklagen/klage-gegen-riverty-gmbh-107073) 9. [en.wikipedia.org/wiki/Riverty](https://en.wikipedia.org/wiki/Riverty) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/riverty-gmbh-5fb74aaea6e7#overview-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 ↗](https://portal.mvp.bafin.de/database/ZahlInstInfo/zahlinst.do?id=142183) | 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](https://elucidate.co/directory/riverty-gmbh-5fb74aaea6e7#overview-sources) - Buy now, pay later - Merchant acquiring 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](https://elucidate.co/directory/riverty-gmbh-5fb74aaea6e7#overview-sources) - **Executive:** Mareen Wiemann Geschäftsführerin (managing director) Confirmed 29 Sep 2026 · [riverty.com ↗](https://www.riverty.com/de/impressum/) - **Executive:** Arne Moritz Harff Geschäftsführer (managing director) Confirmed 29 Sep 2026 · [riverty.com ↗](https://www.riverty.com/de/impressum/) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/riverty-gmbh-5fb74aaea6e7#overview-sources) 1. Aug 2026 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 ↗](https://de.riverty.support/hc/de/articles/48880277372433-Umstellung-auf-Riverty-Bank-S-A) 2. May 2026 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 ↗](https://www.riverty.com/en/business/newsroom/riverty-establishes-bank-in-luxembourg/) 3. Apr 2026 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 ↗](https://www.verbraucherzentrale-bawue.de/verbandsklagen/klage-gegen-riverty-gmbh-107073) 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 - **LEI:** [5299000OGZU8QU22ZH28 ↗](https://search.gleif.org/#/record/5299000OGZU8QU22ZH28) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 5fb74aaea6e7 ## 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:** 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 · Germany[5299001BUUGXAREGE533 ↗](https://search.gleif.org/#/record/5299001BUUGXAREGE533) 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](https://elucidate.co/directory/rtl-group-sa-rtlglull). [See the Bertelsmann SE & Co. KGaA group →](https://elucidate.co/directory/group/5299001BUUGXAREGE533) 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 ```xml 5299000OGZU8QU22ZH28 Riverty GmbH 33415 Verl DE Gütersloher Straße 123 | 33415 Verl ``` - 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. ## Related institutions ### Same group - [Rtl Group SA BIC RTLGLULL Non-financial corporate Not on a tracked register Luxembourg · Not on a tracked register · LEI 5493000C8J3C3SZYS040](https://elucidate.co/directory/rtl-group-sa-rtlglull) [All 2 institutions in the Bertelsmann SE & Co. KGaA group →](https://elucidate.co/directory/group/5299001BUUGXAREGE533) ### 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.