Germany · Payments & e-money
Zalando Payments GmbH
Zalando Payments GmbH is a German limited liability company based in Berlin. The Federal Financial Supervisory Authority (BaFin) authorises it as an electronic money institution under number 149040. The EBA register dates this authorisation from 6 May 2019. It is a wholly owned subsidiary of the online fashion retailer Zalando SE. It handles payment processing, receivables management and credit checks for consumer purchases in the Zalando shop and other paid Zalando group services. Its services include payment by invoice. It also issues Zalando Gift Cards, which the terms describe as non-regulated stored value rather than e-money.
Licences and registrations
Held by Zalando Payments GmbH (LEI 5299007LB0XYHDX68I12). 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 | Electronic money institutionE-Money / Stored Value Institution | 149040 | Germany | Active | 2019-05-06 | — |
|
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
Ownership
Group subsidiary
100% Zalando SE
Firm type
Merchant acquiring and processing
Trades as Zalando Payments
- Ownership
- Zalando SE, Berlin, owns 100% of the firm.
- Direct parent
- Zalando SE, Germany 100%
- Head office
- Hedwig-Wachenheim-Straße 7, 10243 Berlin, Germany
- Company register
- Amtsgericht Charlottenburg (Berlin) HRB 186488 B
Sources · 10 pages consulted
- zalando.ch/zalando-privacy-policy/
- en.zalando.de/zalando-terms/
- en.zalando.de/legal-notice/
- jobs.zalando.com/en/blog/future-of-embedded-payments
- zalando.wd3.myworkdayjobs.com/ZalandoSiteWD/job/Berlin/MD-Technology-Payments_2719668-1
- bportugal.pt/en/entidadeautorizada/zalando-payments-gmbh
- bafin.de/SharedDocs/Veroeffentlichungen/DE/Massnahmen/Bilko/meldung_2026_06_26_zalando_se.html
- adyen.com/press-and-media/zalando
- checkout.com/blog/my-path-in-payments-dr-lea-siering-managing-director-zalando-payments
- paymentinstitutions.eu/member/zalando/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
BaFin authorises the firm as an electronic money institution under the German Payment Services Supervision Act (ZAG), register number 149040. The firm says the licence is passported to all relevant European markets.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Federal Financial Supervisory Authority (BaFin) Germany | E-money institution (E-Geld-Institut) | 149040 | In its own name | Active | — |
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
- Settlement bank
- Deutsche Bank Germany
- Acquirer / processor
- Adyen Netherlands
- Payment schemes and card networks
- Cartes Bancaires Through a partner adyen.com ↗
Bancontact Through a partner adyen.com ↗
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
The firm runs checkout payment methods, fraud and credit-risk screening, invoice payment and collection of receivables for Zalando group purchases. It also offers billing and payout services to third-party sellers on the Zalando platform.
The firm says it offers local payment methods in 25 markets and that its German licence is passported to all relevant European markets. The Banco de Portugal lists it under the free provision of services in Portugal since 1 January 2022.
- Sells to
- Consumers · Enterprises
- Serves customers in 2 countries
- Germany · Portugal
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Kai-Uwe Mokros Managing Director
- Executive
- Dr. Lea Siering Managing Director (responsible for compliance, risk management and anti-money laundering)
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Investigation
BaFin opened a review of parent Zalando SE's 2025 consolidated accounts over a possibly omitted related-party disclosure linked to the About You acquisition.
bafin.de ↗ -
Other
Adyen expanded its partnership with Zalando as a payment partner in 15 European markets, including Cartes Bancaires and Bancontact.
adyen.com ↗
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
- 149040
- 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
- 5dc994e956af
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
- E-Money / Stored Value Institution
- Activities
- Money remittance
- Payment services
- Card acquiring
- Payment initiation
- Account information
- E-money / stored value
- Licensed in
- Germany · Europe & Central Asia
- First registered
- 2019-05-06
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
- Zalando SE · Germany529900YRFFGH5AXU4S86 ↗
The Zalando SE group has 2 institutions in the directory, in 1 country: 1 holds a BIC and 1 does not.
Including Zalando SE.
See the Zalando SE group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Hedwig-Wachenheim-Straße 7 | 10243 Berlin, Berlin, 10243
- 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
<FinInstnId>
<LEI>5299007LB0XYHDX68I12</LEI>
<Nm>Zalando Payments GmbH</Nm>
<PstlAdr>
<PstCd>10243</PstCd>
<TwnNm>Berlin</TwnNm>
<Ctry>DE</Ctry>
<AdrLine>Hedwig-Wachenheim-Straße 7 | 10243</AdrLine>
<AdrLine>Berlin</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 character 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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