Streamline Your Payments, Ignite Your Success
We support you in consulting, developing and implementing payment orchestration platforms for improving the control, efficiency and quality of your business.
Explore Our Expert Financial Consulting Solutions
Corporate Fintech
A Corporate Fintech is like a startup that quickly and efficiently develops and implements innovative, complex solutions at a high technical level.
Payment Strategy
With years of experience in digital payment solutions, we help you plan strategically, develop products, and expand internationally with quick, affordable, and user-friendly payment processes.
Platform Economy
We advise on selecting the proper service providers and assist in applying for business model-specific licenses from the necessary regulatory authorities.
Payment Management
We analyze transactions, compare global standards, and help optimize your current payment systems to maximize growth opportunities.
Compliance
As experts in innovative payment services and a BaFin-approved outsourcing partner, we can help you navigate the regulatory requirements for payment and e-money institutions.
Payment Orchestration
As a partner and expert in electronic payments, sparks4fin helps online merchants plan and implement customized payment orchestration.
Corporate Fintech – Growth Driver For Digital Innovations
A Corporate Fintech is like a startup that quickly and efficiently develops and implements innovative, complex solutions at a high technical level.
But should every company set up a Corporate Fintech? These fintechs are known for their agility and innovation due to their flexible structures and quick decision-making. The more your company wants to expand its value chain, the more it makes sense to introduce a Corporate Fintech. They can also help cut costs in established business areas.
A Corporate Fintech is either regulated by financial authorities or is cooperating with payment and banking service providers to offer fintech solutions for the whole corporation. It usually requires expertise across different departments, e.g. Technology, Treasury, Compliance and Operations. Examples for Corporate Fintechs are Mercedes Pay, REWE Payment Tools and OTTO Payments GmbH.
Payment strategy: Making Payment Processes Easy
With years of experience in digital payment solutions, we help you plan strategically, develop products, and expand internationally with quick, affordable, and user-friendly payment processes.
Smooth payment processes are crucial for any successful business. With so many products, workflows, and systems out there, it can be tough for companies to get a clear picture. Our team of dedicated payment experts is here to add value for our clients every step of the way.
Platform Economy: Setting Up and Optimizing Smart Platforms
We advise on selecting the proper service providers and assist in applying for business model-specific licenses from the necessary regulatory authorities.
We help customers set up and optimize their online platforms. We also advise on selecting the right service providers and assist in applying for business model-specific licenses from the necessary regulatory authorities.
Bringing consumers and sellers together on platforms creates new value but also adds complexity. You need to think about efficient workflows, regulated payment systems, and scalable solutions for lasting success. sparks4fin’s dedicated team of experts supports clients through everything, from setup and implementation to handling regulatory issues.
Payment Management
Our expertise is all about improving online payment processing.
Many online stores experience high levels of attrition, losing orders or even customers when their preferred payment method isn’t available, or the payment process gets interrupted. A customer at the checkout whose card authorization fails is quite unlikely to return to your store.
As payment managers we explore how are payment issues bundled and managed internally. Wee assess how the existing payment methods are integrated and which payment methods are relevant for your store. We also scrutinize if risk management procedures are properly implemented. Finally, we analyze if relevant payment data is measured and documented accordingly.
Compliance
Navigating the regulatory requirements for payment and e-money institutions can be tough for many companies and fintechs. As a BaFin-approved outsourcing partner, we’ll guide you through the regulatory maze so you can focus on what you do best.
We create BaFin license applications with and for you, support you in compiling all the necessary documents in accordance with the EBA guidelines, and develop a target organization model for you that is compliant with the relevant payment services regulatory requirements.
Payment Orchestration - Optimization of the Payment Strategy
As a partner and expert in electronic payments, sparks4fin helps online merchants plan and implement customized payment orchestration. We also advise on optimizing your payment strategy.
A Payment Setup as Unique as You
Think of payment orchestration as a modular construction kit compared to the traditional setup, which integrates various payment service providers (PSPs) and methods. This setup consists of different tech and functional building blocks, like a ZAG license or a payment manager, which you can mix and match from internal or external providers. Just like an orchestra, everything needs to work together in harmony.
Who we are
“Successful payments need to solve problems to become relevant, we start the client’s need first to design and develop successful solutions.”
We are a team of payment experts passionate about bringing new innovative products for payments. Since 2016, we have been advising companies on payment strategy, implementation, and transformation – and various projects have been successfully implemented at Klarna, Österreichische Post, HRS Group, Miles & More, and GK Software, among others.
Thomas Tittelbach is an international payment expert and serial entrepreneur with 15+ years of industry experience. He has significant executive experience in setting up and scaling organizations within the payment industry.
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