Full-Service Payments for Unified Commerce

Novalnet, a leading Full-Service Payment Provider, gives merchants a competitive edge by consolidating all payment requirements, including value-added services, under one roof. Our solution eliminates the need for multiple contracts with banks, acquirers, PSPs, billing firms, fraud prevention agencies, debt collection agencies, and technical service providers. With Novalnet, merchants access all services through a single contract, reducing costs and increasing turnover. This makes us an indispensable partner for sustainable growth and long-term success.

Our "all-in-one solution" ensures merchants remain flexible with customizable solutions to save time, costs, and resources while boosting revenue and accelerating stable business growth. Unlike other payment providers, merchant funds are processed through escrow accounts at Novalnet, safeguarding merchant funds from risks like bankruptcy or insolvency.

Novalnet’s platform is a comprehensive SaaS solution offering:

• 150+ payment methods supporting 120+ countries and 125+ currencies • AI-powered Fraud and risk management that are fully customizable • 100% Payment Guarantee for risky payment methods like SEPA Direct Debit, Invoice Payments • Virtual IBANs for automated credit assignment • Automated subscription and membership management • Debtor management with automated reconciliation & reports • Integrated dunning and debt collection • Real-time invoicing (B2C/B2B) • Transaction and turnover monitoring • Affiliate and marketplace management with Split Payments • In-house technical agency support

Our commitment to security, stability, and scalability with our expertise in payment processing, and risk management, has earned us the trust of leading companies. Esteemed clients such as Airbus Group, Hilti Group, Vaillant Group, Konica Minolta, Jungheinrich, Bauerfeind, Adidas, AVON, AXA, Caritas, Deutsche Telekom, AB InBev, FAZ, the State of Bavaria, and LAMY rely on Novalnet as their trusted payment provider.

Novalnet is a unique, customer-centric, all-in-one provider offering a scalable and future-proof payment solution that seamlessly covers every stage of the payment lifecycle—from checkout to debt collection covering the entire needs of merchants for successful business.

Key Benefits That Set Us Apart:

Comprehensive Payment Ecosystem: Supporting 150+ payment methods, 125 currencies, and 120 countries, with 16+ value-added services, 100% payment guarantee and fraud prevention.

Unified Payment Platform: Connects businesses globally across multiple channels and platforms, eliminating the need for multiple contracts with banks, acquirers, fraud prevention agencies, and other service providers.

Instant Integration: Pre-built plugins for 100+ eCommerce, ERP, CRM, CMS, and ticketing systems—including SAP Digital Payments and Salesforce Commerce Cloud—enable seamless and rapid deployment.

Advanced Fraud Management: Powered by machine learning and AI, our platform offers comprehensive fraud detection and prevention to protect merchants and optimize revenue.

Scalable Marketplace & Affiliate Solutions: Facilitate onboarding, invoicing, and remittance to all participants with granular reporting and real-time analytics.

Virtual IBANs: Simplify payment reconciliation and provide unique bank account identifiers for each transaction, ensuring flexibility and security.

Optimized Shopping Experience: Smart payment selection, tokenization for one-click payments, and a tailored checkout experience maximize conversions and customer satisfaction.

Global Reach, Local Expertise: Extensive local knowledge ensures payment preferences and languages are catered to across diverse markets.

Automated Invoicing & Reporting: Real-time reporting and data exports in multiple formats simplify financial management and improve operational efficiency.

Call and Pay: Novalnet’s innovative feature enables secure telephone payments without sharing card details and without internet access. It’s an ideal solution for MOTO/Telesales operations, ensuring convenience and security.

Novalnet POS Solutions: Secure and scalable POS terminals, available as stationary and mobile devices, support diverse payment needs with NFC and robust security. Our SoftPOS solution turns any Android device into a contactless terminal, requiring no additional hardware while delivering a seamless checkout experience.

Virtual IBANs: Fully automated credit assignment of incoming money transfers from customers even without proper payment reference. Managed in insolvency-proof trust accounts, virtual IBANs integrate directly with accounting systems, streamlining credit assignment to transaction level with fully automated reconciliation thus eliminating any manual workforce for accounting.

Payment Plugins: Prebuilt, free plugins for 100+ platforms (e.g., SAP, Salesforce, Shopware, Magento, etc.) enable seamless payment integration without technical knowledge at merchant side. Continuously updated, they save merchants time and effort while ensuring adaptability to changing demands.

Payment Guarantee: Businesses enjoy predictable cashflow with Novalnet’s Payment Guarantee, which ensures on-time payments regardless of customer paid or not, especially on risky payment methods such as SEPA Direct Debit, invoice payments, etc., Merchants receive 100% assured settlements in advance on scheduled payout dates (even if the customer didn’t pay), enabling uninterrupted growth.

Buy Now, Pay Later (BNPL): Enhance customer satisfaction and boost conversion rates with Novalnet’s white-label BNPL solution, which offers flexible payment options to drive business growth.

PCI-ASV Vulnerability Scan for merchants: Simplify PCI DSS compliance with vulnerability scans, consultations, and attestation. Protect sensitive data, avoid breaches, and build customer trust.

Case Study 1: HILTI Group’s Unified Payment System HILTI Group, a leader in construction tools across five continents, overcame fragmented payment systems with Novalnet, a regulated payment institution and TÜV-certified "tested payment system." Using Novalnet’s SAP Digital Payments Add-On, HILTI centralized its payment infrastructure with fully automated processes, localized payment solutions, and fraud prevention. This platform reduced administrative burdens, improved customer experience, and enabled global transactions, supporting HILTI’s expansion into 40 countries by 2024/2025, starting with South Korea.

Refer: https://novalnet.com/whitepapers/Novalnet-HILTI-Case-Study.pdf

Case Study 2: SWM’s M-Login Integration Stadtwerke München (SWM) partnered with Novalnet to enhance its M-Login platform, the central access point for 1.4 million Munich users. Novalnet’s payment solutions streamlined transactions across SWM’s services—leisure, mobility (Bus, Train, Tram, Bicycle, E-Scooters, Parking), energy, and utilities. This integration supported the Smart City Munich initiative, simplifying mobile/APP functionality, ensuring higher user acceptance, and enhancing customer satisfaction, leveraging Novalnet’s expertise and compliance standards.

Refer: https://www.novalnet.com/stadtwerke-muenchen-casestudy

Case Study 3: Airbus Payment Solutions Airbus, a leader in aerospace with a presence in over 170 countries, chose Novalnet to enhance its e-commerce payment processes across global marketplaces. Novalnet provided a tailored solution to integrate diverse payment methods across regions and platforms while automating the entire process from checkout to reconciliation. The partnership simplified payments for all channels, enabling worldwide customer acceptance, fostering global sales growth, and supporting Airbus' digitization goals. Novalnet’s expertise delivered a scalable, secure, and compliant payment infrastructure.

Refer: https://www.novalnet.com/airbus-casestudy

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