Investment thesisQ3 / 2026FoxPay UG · Berlin

Payment infrastructure for regulated commerce.

FoxPay helps hard-to-place merchants accept bank-direct payments, integrate faster and operate through a compliance-aware onboarding layer.

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01 / Investment thesis

Returns over hype.

„The most profitable payment flows do not always run through the most famous names. They run through specialized infrastructure that understands what others reject.”Management · FoxPay UG

02 / Market

Where generic PSPs opt out, infrastructure value compounds.

Markets with real payment margins are often the ones generic PSPs avoid. FoxPay focuses on the infrastructure gap: merchant screening, bank-direct payment flows, plugin/API integrations and reliable status handling for regulated commerce.

Different screening, different rails.

Regulated commerce demands different screening, different payment rails and different support flows. Card-first PSPs deliver none of these paths.

Container logistics · regulated flows

Reputation risk, not volume risk.

Generic providers avoid these segments because of compliance, reputation and ops risk, not because demand is missing. That is where margin sits.

Vault · institutional caution

Complexity as moat.

KYB, contract operations, provider orchestration and webhook reliability are entry barriers - exactly what FoxPay builds as a platform.

Infrastructure · platform layer

03 / Platform

An operating system for merchant onboarding and payment operations.

FoxPay is not a single payment button. It is a merchant operating layer: KYB enrichment, contract operations, payment orchestration, signed webhooks and partner-led distribution.

01Lead

Merchant lead

Inbound from direct sales, partner funnel, Shopify, WooCommerce, JTL or custom-API interest.

Live

02KYB

OrgScan enrichment

Handelsregister enrichment, website signals, documents and onboarding prefill.

In-house IP

03Contract

Contract & signature

DocuSeal-based signing with branded /sign/[slug] and webhook lifecycle.

Production

04Integration

Store plugins or REST

WooCommerce, Shopify with individual setup, JTL under validation and REST API for custom checkouts.

Live

05Payment

A2A / QR-Pay

Bank-direct sessions via Open Banking and QR Pay; other methods require provider and store approval.

Live

06Webhook

Webhook queue

Persistent outbound queue, retry, delivery history, manual redelivery.

Production · gated

07Partner

Partner loop

Referrals, admin approval, ongoing commission under the partner agreement - GTM leverage beyond direct sales.

Public

04 / Maturity

Platform status and availability.

Compared with the deployed app release of 15 September 2026, reviewed on 16 September. Technical integration, runtime activation and full merchant acceptance are separate steps. Availability depends on the store, provider, market and onboarding.

MaturityLive - available within approved scopeProduction - integrated in productionGated - feature-flaggedStaging - not promotedMVP - below flagship maturityBeta - validation not yet completeIn progress - launch path

PaymentCard PaymentsCard provider and checkout are integrated. Activation requires provider credentials, store approval and an eligible merchant scope.

Production · gated

CardsProvider approval

IntegrationCanonical Payment StatusAuthenticated status endpoint with reconciliation semantics is implemented. Merchant polling is disabled by default in the reviewed production configuration; activation is required.

Production · gated

Bearer authStore activation

PaymentOpen Banking / A2ABank-direct payments via Open Banking. Core rail for regulated merchants.

Live

calytics finAPIsession.initializeEU

PaymentQR-PayEPC QR for bank transfers. Autopilot matches incoming transfers through connected bank accounts; activation and bank connection are required per store.

Production · gated

EPC QRAutopilotStore approval

PaymentDIMOCO · Pay by PhoneCarrier billing is technically integrated. Availability and recurring payments depend on the provider, mobile network, country and store.

Production · gated

Carrier billingProvider approval

IntegrationWooCommerce PluginLow-friction SMB distribution. Guided plugin connection instead of custom implementation.

Live

Guided setupWordPress

IntegrationShopify IntegrationCustom-app connection with credential setup, HMAC verification and a payment-email flow. Individual setup; no general Shopify App Store approval is claimed.

Production · gated

Custom appPayment links

IntegrationJTL-Shop PluginPlugin and signed status sync are implemented. Sandbox subflows have been checked; full browser checkout acceptance and public distribution remain open.

Beta

JTL-ShopSandbox validation

PaymentPayPal Payment MethodSeller onboarding, checkout, capture, refunds and webhooks are implemented. Use requires provider approval, seller onboarding and store activation; industry restrictions apply.

Production · gated

Seller onboardingStore approval

IntegrationCustom REST APIConnection for custom/headless merchants. Documented with OpenAPI spec.

Live

OpenAPIdocs.foxpay.it

IntegrationV3 Payment Demo EmbedHosted checkout and public demo are implemented. Merchant embeds require an allowed origin and store activation. Demo payments do not establish real merchant payments.

Production · gated

iframeAllowed origins

TrustSigned WebhooksStatus and order sync for integrations. HMAC, retry semantics, delivery history.

Live

HMACretry

TrustWebhook Delivery QueuePersistent outbound queue as reliability infrastructure. Gated per shop, dependent on cron/runtime config.

Production · gated

cronmanual redelivery

TrustOrgScan KYB LayerIn-house merchant intelligence: Handelsregister, imprint, documents, website signals. Supports compliance review, does not replace it.

Production

Handelsregisterin-house IP

OperationsDocuSeal Contract SigningContract and signing workflows with status webhooks and merchant agreements are integrated in production. Use depends on the agreement, signature and approval.

Production

Merchant agreementSignature lifecycle

GrowthPartner / Reseller ProgrammReferrals and admin approval with ongoing commission under the partner agreement. Commission is based on FoxPay fee revenue; status and agreement duration determine eligibility.

Production

ReferralsPartner agreement

05 / In-house IP

In-house merchant intelligence for faster, more controlled onboarding.

OrgScan gives FoxPay its own merchant-intelligence layer for German business onboarding. Website signals, register enrichment and document context support pre-screening before a merchant enters payment flows.

OrgScan · Moat candidate

Strategic value beyond a compliance helper.

Proprietary merchant-intelligence layer - not white-labelled, not a bought-in KYC service.
Combines imprint data, Handelsregister, documents and website signals into one onboarding prefill.
Reduces manual pre-screening and makes onboarding decisions more consistent.
Long-term, can be commercialized as a standalone product for other platforms.

Claim boundary. OrgScan supports pre-screening. Provider-side checks and manual review remain part of onboarding. No claim of fully automated approval or full PEP/AML coverage.

orgscan.appview ↗

Website / Impressum

URL lookup + imprint extraction

200 OK

Handelsregister

Registry search, court, register number

match

Dokumente

AD / CD / SI / UT downloads

queued

Parsing

XML, PDF, shareholder lists and structured data

resolved

UBO / Netzwerk

Ownership chain and relationships

graph

Compliance

Review of merchant signals

assess

FoxPay Prefill

Merchant profiles for onboarding

ready

Compliance APIpre-alpha

KYB score6D

Product legal statusdim 1

Business model legalitydim 2

Criminal liability PSPdim 3

Civil / contractual riskdim 4

Company reputationdim 5

Regulatory frameworkdim 6

/api/lookup/api/v1/assess/api/company/prefill

06 / Integration

Payment methods and integrations with clear activation requirements.

Open Banking and QR Pay provide bank-direct payment flows. Cards, Pay by phone and PayPal are technically integrated and require the respective provider and store approval. WooCommerce and Shopify have dedicated integrations; full storefront acceptance remains open for JTL. Custom checkouts use the REST API and signed webhooks.

WooCommerce · Plugin1-click plugin for SMB merchants

Live

For WooCommerce merchants, FoxPay reduces payment onboarding from a custom implementation to a guided plugin connection.

01Activate plugin02Connect FoxPay account03Create payment session04Return signed status

Custom REST API · OpenAPIDocumented custom API

Live

For custom checkouts FoxPay exposes a documented REST API.

POST /api/payments/initializedocs.foxpay.it

POST "/api/payments/initialize"

Authorization: Bearer sk_live_...

{

"amount": 12840,

"currency": "EUR",

"method": "a2a",

"webhook_url": "https://merchant.de/foxpay"

}

Commerce & Wallets · Juli 2026Store and payment milestones

The platform is expanding distribution and payment-method coverage in parallel, with clearly separated maturity levels.

ShopifyIndividual setupSetup

JTL-ShopPlugin validationBeta

PayPalPayment method integrationGated

Webhook Delivery QueueSigned webhooks & retry

Production · gated

FoxPay treats payment status as infrastructure: signed webhooks, retry, delivery history and manual redelivery.

14:02:11session.completed200

14:02:10session.completedretry

14:02:9payment.captured200

14:02:8contract.signed200

07 / GTM

Distribution through the partners who already know these merchants.

FoxPay can scale merchant acquisition through partners who already serve hard-to-place merchant segments: agencies, consultants, communities, SaaS/plugin partners and industry specialists.

Channel Mix

Direkter VertriebRegulierte Händler · Founder-led outbound

Aktiv

WooCommerce Long-Tail1-Click Plugin · SMB-Acquisition

Live

Shopify MerchantsCustom-App · zusätzlicher Payment-Pfad

Live

JTL-HändlerNative Plugin-Beta · Storefront-Abnahme offen

Beta

Custom API-HändlerHeadless · Marketplace · Express Key / KRITON Case

Live

Partner / ResellerAgenturen · Consultants · Plugin-Partner

Public

Branchen-SpezialistenVerticalspezifische Distribution für regulierte Segmente

In progress

Partner Funnel

01Partner LeadApplication · qualification→

02Merchant ReferralOrgScan Pre-Screening→

03Admin ApprovalCompliance · Vertrag→

04Integration & Go-LiveWoo / REST · Webhooks→

05Commission LifecycleWiederkehrende Provision★

08 / Data room

Scenario model and materials in a controlled data room.

Internal planning materials model upside from regulated payment volume, partner-led acquisition and transaction-based revenue. Detailed figures are made available under NDA only.

Businessplan FoxPay UG 2025-2030Vision · Strategie · Org · RoadmapPDF · 38 pNDA

5-Jahres-Finanzplan · Base CaseP&L · Cashflow · HeadcountXLSXNDA

Umsatzpotenzialmodell 2025-2030Szenarien · SensitivitätenXLSXNDA

Bewertung / BeteiligungVorbereitet durch SteuerberaterPDFNDA

Produktarchitektur · technische ÜbersichtWebapp · APIs · OrgScan · Webhook QueuePDF · MDNDA

API & OpenAPI Proofdocs.foxpay.it · foxpay-openapi.jsonPublicOpen

Marketing- & VertriebsstrategieChannels · Funnel · PartnerprogrammPDFNDA

OrgScan & KYB-MaterialArchitektur · Competitive LandscapeMDNDA

09 / Investor CTA

Request investor access.

Send us your investor profile and your interest in a founder call or data-room access. We will coordinate the NDA and next steps personally.

Access is granted after individual review and NDA coordination.