paymenttools Tech Stack

Payment operating system for European merchants and financial institutions

Financial Services Köln 51–200 employees Founded 2021 Public Company

Paymenttools operates a payment infrastructure platform serving European merchants with core transaction processing, risk controls, and merchant management APIs. The tech stack—GCP, Java/Kotlin on Spring Boot, Kubernetes, Prometheus/Grafana—reflects a cloud-native, observability-first approach typical of high-throughput fintech. Active hiring across engineering, security, legal, and product signals aggressive buildout of compliance and risk capabilities, matching the project mix (transaction monitoring, financial crime prevention, merchant onboarding) and their stated pain-points around secure data handling and audit burden.

Tech Stack 17 technologies

Core StackJava Kotlin Spring Docker Kubernetes Prometheus Grafana Slack Asana Jira Lattice Miro Confluence AWS GCP Spring Boot Google Workspace

What paymenttools Is Building

◆Challenges

High-throughput payment transactions
Secure data handling
Merchant onboarding
Challenging customer inquiries
Financial crime prevention
Multiple audits throughout the year
Protect sensitive payment data
Complex external payment integrations
Growing system landscape

▲Active Projects

Core payment capabilities
Customer-facing apis
Risk management controls development
Continuous improvement initiatives based on audit findings
Control assurance activities
Merchant center onboarding
Transaction monitoring solutions
Accounts collection part for the rewe loyalty service
Frictionless and flexible account management solution for merchants
Pos acceptance domain

Hiring Activity

Accelerating7 roles · 4 in 30d

Department

Engineering

Legal

Product

Security

Support

Seniority

Senior

Intern

Junior

Manager

Mid

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About paymenttools

Paymenttools is a German fintech founded in 2021, building a payment operating system for merchants and financial partners across Europe. The platform handles core payment processing, customer-facing APIs, merchant onboarding, and point-of-sale acceptance. The company operates under heavy regulatory oversight—managing multiple audits annually and continuous control assurance activities—and has developed specialized capabilities in risk management, transaction monitoring, and financial crime prevention. The product serves a landscape of growing external payment integrations and complex merchant requirements.

HeadquartersKöln

Company Size51–200 employees

Founded2021

Hiring MarketsGermany

Frequently Asked Questions

What tech stack does paymenttools use?

GCP, Java, Kotlin, Spring Boot, Docker, Kubernetes, Prometheus, and Grafana. The stack emphasizes cloud infrastructure and observability for high-throughput payment processing.

What is paymenttools working on?

Core capabilities include transaction monitoring, risk management controls, merchant onboarding and management, POS acceptance, customer APIs, financial crime prevention, and account management solutions.