All licenses required – As a BaFin-licensed payment institution, Novalnet offers legally secure and compliant processing of all financial transactions under one contract.
Safe custody of the funds – Funds are held in insolvency- and seizure-proof escrow accounts and only paid out to the verified end recipients.
Automated allocation of payments – Dedicated virtual IBANs per seller and marketplace deliver operational efficiency, security and full transparency.
Payment acceptance stays with your existing PSPs / acquirers. Novalnet operates as the global funds collector, reconciling and settling across every seller, marketplace and provider under one regulated platform.
The above structure ensures regulatory compliance, transparency and clear segregation of funds across all affiliates.
Every seller / partner is verified independently with a configurable KYC / KYB process.
Each affiliate operates inside the Novalnet ecosystem with its own ringfenced subaccount.
Balances, settlements and payouts are tracked and executed separately for each affiliate, providing complete transparency.
Novalnet manages the regulated layer by handling incoming funds collection, automated reconciliation, escrow safeguarding and payouts to sellers and affiliates, so your platform can focus on growth.
Novalnet's Provider Agnostic model integrates seamlessly with your existing PSP setup while remaining fully compliant with PSD2 and AML regulations.
The Marketplace Merchant Account serves as the central layer for all connected sellers. Each seller is onboarded as an affiliate through API, SFTP or batch processes, with configurable KYC and KYB requirements based on the platform’s needs.
Detailed transaction data, including payment type, provider, status, order, customer, seller, fees, commissions and revenue shares, flows into Novalnet from your platform or from existing PSPs, BNPL providers, financing providers, banks, acquirers and e-wallets.
Incoming funds from product partners are automatically split, reconciled and allocated to dedicated escrow and safeguarding subaccounts for sellers and marketplaces through predefined virtual IBANs, supported by real-time webhooks and complete dashboard visibility.
Configure payouts at the marketplace, project or seller level, or initiate them via API. Digital settlement reports (MT940, CAMT, XML and iDoc) are delivered to your ERP one day before payout, providing complete transparency throughout the settlement process.
As the only full-service payment provider operating across 3 continents, Novalnet supports a broad range of regulated business models, from agent services and white-labelled marketplaces to PSP-agnostic orchestration, cashback programs and outstaffing platforms. The following reference clients operate comparable multi-provider and marketplace-driven business models.
Pay-in and pay-out flows operated under a compliant agent setup with ringfenced settlement.
Centralized payment orchestration structures for card payments and PayPal transactions.
Cross-border payment processing across multiple markets with multiple PSPs and complex settlement structures.
Each implementation represents a payment environment similar to yours, with separate acquiring and settlement layers, multi-country and multi-entity payout structures, and regulated orchestration across multiple PSPs.
Our global payment solutions help B2B and B2C platforms scale with confidence by covering every eCommerce and payment requirement, from checkout and payment processing to collection and settlement, through a single account.
Easily accept payments from client companies using a secure hosted checkout and automate the flow to partners.
HPP Guide
Integrate custom payout flows or contractor dashboards using NOVALNET’s API endpoints for full automation and transparency.
API Reference
If your platform is built on Shopware, WooCommerce, or Magento, activate compliant payouts directly within the plugin settings.
See all pluginsPayment acceptance continues through your existing PSP and acquirer setup, while Novalnet serves as the global funds collector, providing automated reconciliation, escrow safeguarding and settlement services for sellers and marketplaces under one BaFin-licensed contract.
Yes. Novalnet AG is a BaFin-licensed larger payment institution holding all necessary licenses to act as Payment Service Provider, Acquirer, Financing Service Provider, Settlement Provider, processor and Payment Gateway across three continents (Germany, USA, India).
Each affiliate is onboarded through an individual KYC and KYB process and assigned a dedicated subaccount within the Novalnet ecosystem. Reconciliation, balances, settlements and payouts are maintained separately for every affiliate. Flexible onboarding options, including API, SFTP and batch processing, can be tailored to the needs of each marketplace.
Transaction reports (from your platform or existing PSPs / banks / BNPL providers) flow into Novalnet. Incoming funds are automatically split and allocated to seller and marketplace subaccounts via predefined virtual IBANs. Allocation can also be triggered via API for custom flows.
Settlement reports are generated in MT940, CAMT.*, XML and iDoc formats and integrate seamlessly with SAP, Navision, DATEV and other ERP and accounting systems. Payout schedules can be configured globally or at the marketplace, project and seller level, with the option to trigger payouts via API.
Yes. The Provider Agnostic model is built to work alongside your existing PSP and acquiring setup. You can continue using providers such as PayPal, Adyen, Klarna, Riverty and your banking partners, while Novalnet provides the regulated collection, reconciliation and settlement layer.
Yes. All funds are held in insolvency- and seizure-proof escrow and safeguarding accounts. Funds remain protected at all times and are released only to verified recipients in accordance with the intended settlement structure.
Your funds are always safe, stored in an insolvency-proof escrow account until paid out to you –always right on schedule.
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Simplify your e-commerce payment and accounting processes along with the added security, transparency, and accounts allocation capabilities of virtual IBANs.
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Bring an additional layer of protection to your subscribers by using tokenisation to process recurring payments without transmitting user data.
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Novalnet completes all internal checks swiftly and digitally — so activation can happen in days, depending solely on how quickly you provide the required documents and complete verification.
Create your account, add your company details, and get immediate access to the sandbox dashboard and API keys.
Upload your KYC documents, e-sign the contract, and complete video identification — all online. Our teams review all steps in parallel to keep the process moving quickly.
Switch to production credentials, run final test transactions, and start accepting payments from your customers worldwide.
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