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UNIVERSUM Group Headquarter Germany
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Credit card
Debit card
Bank transfer
Direct debit
Cash on delivery
Prepaid card
Mobile Carrier Billing
Pricing vary depending on different criteria - such as transaction volume, amount of shopping, sold products and requested services of a merchant. This is why we provide you with individual quotes. Paylobby will send you a quote within 2 days.
Payment method
Austria, Germany, Switzerland
Deutsche Bahn, Thomas Cook, Volkswagen Financial Services, Würth Modyf
+49 89 250 079 160
Credit card
Debit card
Bank transfer
Direct Debit
  • Universum FlexiPay
Cash on delivery
  • Universum FlexiPay
Mobile Carrier Billing
Prepaid card
Integration Features
  • Direct Payment API Integration
  • Integration via Shop Plugin
Shopping Systemes
  • Gambio
  • Hybris
  • Magento
  • osCommerce
  • OXID eSales
  • Shopware
  • WordPress
  • xt:commerce
  • Austria
  • Germany
  • Austria
  • Germany
  • Switzerland
  • Austria
  • Germany
  • Switzerland
Australia and Oceania
Middle East
Latin America
North America
Fraud Solutions
  • Blacklisting
  • Customizable fraud thresholds
  • Device Fingerprinting
  • GeoIP Services
  • Internal fraud-database
  • Machine learning Fraud/Risk Management
  • Scoring (e.g. velocity checks BIN data)
Licences / Certifications
Customer Services
  • 24/7 Customer service
  • Customer service in English
  • Customer service in German
  • Free technical support
  • Individual payment consulting service
Payment Services
  • Daily payouts
  • Electronic Invoicing
  • Guaranteed Direct Debit
  • Guaranteed Installments
  • Guaranteed Invoice
  • Installments
  • Micropayments
  • Payment guarantee
  • Recurring Payments
  • Single payment transaction
Other Services
  • Collection management
  • Payment reminder
  • Receivables management
  • Seller protection
  • Cross-channel reporting
  • Definition of automated Reportings
  • Risk / Fraud reporting
  • Transaction reporting
  • Adult entertainment
  • Banks/Insurance companies
  • Clothing/Shoes
  • Dating
  • Gaming
  • Manufacturing
  • Other
  • Retail
  • Software
  • Telecommunications
  • Ticketing
  • Tobacco/Alcohol
  • Tourism
  • Transport
Company Profile

UNIVERSUM Group - Debt collection service provider

The UNIVERSUM Group is a successful payment provider and collection service provider that operates independently from the group. WIth an innovative solution packet, the business provides an important service for securing liquidity for commercial customers. All services are planned in regards to the complete portfolio over an entire lifecycle from credit checks, to payment processing with invoice purchasing, billing in installments and direct debit, to receivables management and collection in national and international collections.

Universum Group Inkasso

In 1982, UNIVERSUM Inkasso GmbH, a subsidiary of Neckermann Versand AG, is formed.

UNIVERSUM Group Germany

UNIVERSUM Group was formed in 2009, through the merger of Corporations Concent Forderungsmanagement GmbH (now UNIVERSUM Group Payment Solution GmbH), Continental Inkasso GmbH (now UNIVERSUM Finance GmbH), Producta Daten-Service GmbH (now UNIVERSUM Group Business GmbH) and the UNIVERSUM Inkasso GmbH.  In 2014, the BBU GmbH, based in Frankfurt, comes the full owner of UNIVERSUM Group. BBU GmbH was later renamed UNIVERSUM Group GmbH. UNIVERSUM Group is headquartered in Frankfurt, Germany.

UNIVERSUM Group payments

Merchants that would like to offer their customers billing, SEPA direct debit or installment payments will find all of those solutions possible through the omni-channel payment solution FlexiPay®. The UNIVERSUM Group takes over payment processing and also offers a 100% payment guarantee.

All FlexiPay solutions are offered White-Label, through which merchants remain the customers in the customer-relationship.

Omni-Channel Solution FlexiPay®

The omni-channel solution offers businesses the possibility to run credit checks of customers directly at checkout, so the only payment options the customer may use are the payment options that suit their credit. This way, merchants secure a high conversation rate for their online shops and manage to avoid many order cancellations - especially for customers that choose a payment method and then due to their credit, cannot pay with that specific method of payment.

Bill payment with payment guarantee

If the merchant decides to use the bill payment with payment guarantee, UNIVERSUM Group takes over the claim and reimburses the merchant 100% of the claim amount. For this service, the merchant pays a transaction fee and a debt discount. With the fees, the credit check of the customer and the protection against missing payments for insecure methods of payment are covered.

Integration in your online shop

The integration of the bill pay with FlexiPay payment guarantee or the FlexiPay factoring in online shops and ERP-Systems is done directly through one of the pre-established UNIVERSUM Group interfaces or as an extension with the FlexiPay plugin for the shop systems Magneto, Shopware, osCommerce, Hybris, Wordpress, Gambio, OXID and xt:commerce.

Experience and know-how of the UNIVERSUM Group

The UNIVERSUM Group has more than 30 years experience in the market. They offer an excellent industry-know-how and a service understanding that fulfills the highest claims. With the TÜV-Certification and as a member of the national organization of German Association of Debt Collection Companies (Bundesverband Deutscher Inkasso-Unternehmen e.V. – BDIU), the group fulfills strict requirements with national laws, conscientious and legally strong business practices. The Omni-Channel Solution FlexiPay is certified by Trusted Shops and praised by the German Federation of Merchants (Händlerbund).

Businesses such as Deutsche Bahn, Thomas Cook, Würth Modyf and Volkswagen Financial Services, HSE24 and babywalz work together with UNIVERSUM Group.