Andreas Richter: seeing payments from the merchant’s side

A customer wants to pay. Behind that simple action, a merchant faces a series of questions: Which payment methods suit the business? Are fees and contracts understandable? Will the process still work as the business grows? Andreas Richter, Co-Founder and CEO of FoxPay, approaches these questions with experience on different sides of the payment business.

His publicly documented career connects building a payment provider with advising online merchants. At FoxPay, he is responsible for payment strategy, merchant consulting and sales. His role gives the team a point of contact for the business requirements behind a transaction: the questions that need to be understood before a technical solution can be put to useful work.

Building and operating a payment provider

One central chapter is Berlin-based micropayment. Contemporary reporting from February 2019 identifies Andreas as founder and CEO of the company, established in 2005. It also reports that Volksbank in der Ortenau was taking a majority stake. The existing management team was to continue running the business independently.

This chapter places Andreas on the provider side of payments. Building such a business involves software, daily operations, merchant support and relationships with other organisations. The payment window is one visible part of that work. Understanding the connections behind it is relevant to the responsibility he now holds at FoxPay.

A bank partnership develops in 2019

Micropayment’s announcement of the alliance presents the investment as an extension of an existing relationship. Developing payment products, supporting merchants and gaining access to a banking network were among its stated aims. Andreas was named as CEO in the announcement.

This is a documented example of the environment in which he worked: payment operations, product development and partnerships intersected. For a merchant, the practical value of that cooperation depends on whether responsibilities fit together and separate services form an understandable process.

Payment methods should fit the business

A May 2019 event report from the Wirtschaftsregion Ortenau offers a more specific view of his approach. Speaking at the E-COM Camp, Andreas discussed abandoned purchases and payment methods suited to a merchant’s sector, audience and products. The account documents an emphasis on the people buying from a business.

For a team developing a payment platform, that leads to a practical question. A product can function technically while failing to fit the merchant’s daily work. Customer expectations, sales channels and internal processes therefore belong in the conversation about a solution. This is why merchant consulting has a distinct place in FoxPay’s leadership responsibilities.

ePayment Expert and the merchant’s existing setup

The PaymentOptimierer legal notice names Andreas as managing director of ePayment Expert GmbH. The company’s own introduction describes a team combining payment and technology specialists with experience operating online shops. Its offering centres on examining existing payment arrangements.

In a public post of his own, Andreas describes that consulting work through payment methods, costs and contract terms. He also states that he has spent more than 25 years in the industry. That duration is his own account. The post nevertheless provides a direct explanation of the subjects he wants merchants to examine.

Together, these sources connect two perspectives: operating a provider and considering what a merchant needs from one. A fee schedule is only part of the second question. How a service is understood, integrated and supported also matters to the business using it. This broader view provides useful context for Andreas’ current work.

His responsibility within FoxPay

At FoxPay, Andreas brings this business perspective to his work with Cedric Albeke, Alex Ritler and Harald Plewka. Cedric leads product and technical implementation, Alex focuses on business development and partnerships, and Harald is responsible for legal strategy. Andreas connects payment strategy with merchant consulting and sales.

The division of responsibilities gives the team a shared starting point: What does a merchant need, what can the product deliver and which conditions need to be clarified? An answer will often involve several people. A conversation about a new integration may lead to engineering work, a partnership discussion and contractual questions.

Andreas’ place in that process is specific. He contributes experience from building a payment provider and advising merchants to the development of FoxPay. The merchant’s actual business model remains central. That is the practical measure of whether a payment idea becomes something useful in everyday operations.

Sources and context

Researched on 15 September 2026. Historical roles are based on the linked company announcements and contemporary reporting. Current FoxPay responsibilities follow the team profile. Their significance for FoxPay is editorial interpretation. This portrait does not attempt to provide education details or a continuous personal employment history.