Complete service for cashless and digital payment
For us, it’s all about payment. Whether self-employed or businesses large or small – we can help you take advantage of the digitisation of payment and business processes. We already have the trust of more than 116,000 customers in Germany, Austria and Switzerland – some for more than 30 years.
Concardis offers all payment services from a single source – from card acceptance, payment processing and payment devices through to payment solutions for online business and attractive additional services. To do so, we offer innovative solutions that anyone can use – without any IT or programming expertise. As part of the Nets Group, we are working together with a leading payment service provider and digital champion based in northern Europe. Together, our objective is to make payment simple for you.
Our values and principles
We are well aware of our role in society and the responsibility we bear vis-à-vis our colleagues, customers and partners. We measure our everyday actions against the highest standards of integrity. We see simple solutions and products as the foundation for growth and advancement – both in the economy as well as in society. Together, we pursue the goal of enabling all of our customers to fully tap the potential of digitisation.
CEO Merchant Services
Robert Hoffmann is the Chief Executive Officer of Merchant Services since January 2019 and heads both the Concardis Payment Group and Merchant Services, Nets.
Robert counts on more than 20 years of management experience in the e-business and telecommunications sectors. Prior to joining Nets/Concardis, Robert held various management positions in product management and sales at Arcor AG & Co. KG. He then joined the Board of Management of 1&1 Internet AG, where he was responsible for United Internet's telecommunications business until 2012. From 2013 to 2017, he was CEO of 1&1 Internet SE and Board Member of United Internet AG.
Nets’ Chief Product Officer
Marc Massar is Nets’ Chief Product Officer since October 2019, joining product and engineering together and driving a customer-driven tech and product agenda.
Prior to joining Nets, Marc held senior positions at Worldpay managing global product strategy, innovation, transformation, and technology for the high-growth eCommerce business. He managed the product team responsible for Chase Paymentech’s acquiring business, was the business owner for Verifone’s Point (now Payment Services) platform in North America, and has been a Principal Architect for multiple technology and security companies.
SVP and Head of Group eCommerce
Omar Haque joined Nets in June 2018 and, as SVP and Head of Group eCommerce, is accountable for Nets’ eCommerce division. Its focus is to be the local eCommerce expert helping merchants and partner sell more online and across channels with a seamless payments service.
Omar joined Nets from Worldpay, where he was Worldpay’s Chief Transformation Officer, leading the transformation of Worldpay’s Ambition 2020 and its merger of Worldpay and Vantiv. He was previously Worldpay’s interim Group Strategy Director and led its post-IPO strategy, including the response to PSD2 and creation of the public and government affairs program. Omar has held senior leadership roles at Cisco Systems, Symbol Technologies, Electrocomponents and Old Mutual, leading teams in strategy, sales operations, architecture, and engineering.
Chief Commercial Officer for Large and Key Account
Patrick Höijer joined the Nets group in September 2015 and is holding the position of Chief Commercial Officer for Large and Key Account (LAKA). He is responsible for the entire key account business of the Nets MS Group, which includes the DACH region, Nordic region and the Baltic states. Patrick also acts as Country Manager Sweden (General Manager), Managing Director for Merchant Service Estonia and is part of the management board of Concardis Gmbh.
Before joining Nets, Patrick had various positions at the Swedish telecommunication company Tele2 eg as Product Marketing Directors, Sales Director SME, Wholesale Director etc.
Chief Human Resources Officer
Tanya Channing is Chief Human Resources Officer (CHRO) for the Merchant Services business at Nets. She has international experience in digital and agile transformations, operating model strategy and design, organisational culture and effectiveness. She has held several executive positions in HR and change management across a wide range of sectors including Fintech, FMCG and Retail; covering Europe, Asia, Canada and the US.
Before joining Nets in September 2018, Tanya was Chief of Staff to the CIO and Deputy Chief HR Officer at Worldpay, a FTSE 100 global leader in payments processing technology and solutions.
Chief Operating Officer
Gudrun joined Nets in April 2020, as Chief Operating Officer (COO). Gudrun is a seasoned leader with over 20 years of experience gained in customer service and operations. She joined Nets from Unity Media, where she held the position of Chief Operations Officer. Prior to that, she has held various operation leadership positions at E -plus, Sunrise, Telefonica, Hansenet and others. Gudrun is passionate about working with teams to advance digitisation and the customer experience.
Thirty years of Concardis
Merger with Nets
The Concardis Payment Group merges with Nets, a leading payment service provider and digital champion based in northern Europe. The merger allows us to bundle our strengths and accelerate our expansion throughout Europe. In doing so, we hope to advance the development of innovative and customer-oriented solutions for digital payment as our driving force – and offer our customers even more service and support in the digitisation of their payment and business processes.
Establishment of the Concardis Payment Group
Advent International and Bain Capital combine their payment portfolio companies Concardis, RatePAY, Mercury Processing Services International, Cardtech and PCS/Simplepay into the newly established Concardis Payment Group.
New owners: Advent International and Bain Capital
Advent International and Bain Capital, two investors with a wealth of experience in the financial services sector, acquire Concardis GmbH which, until then, was a joint venture of the German banking industry. The goal of the new owners is to use Concardis as a platform for consolidation and international expansion and to develop the company into the payment champion of German-speaking Europe through investments in innovation, infrastructure and expertise.
Acquisition of ICP and e-money licence
Concardis once again strengthens its market position in network operation: with the acquisition of International Cash Processing GmbH (ICP), Concardis takes on responsibility for an additional 36,000 payment terminals and 85 million transactions a year. Because ICP is one of the few companies in Germany with an e-money licence, Concardis receives its accreditation as an electronic money institution in record time. This marks the beginning of the development of products that are based on the storage of funds on electronic data carriers: modern prepaid cards, wallet solutions and discerning loyalty programmes.
Participation in start-up Orderbird
Concardis makes a significant investment in the Berlin-based start-up Orderbird AG and its software. In almost no time, Orderbird developed into one of the most popular iPad-based checkout system applications in the restaurant business in German-speaking Europe. Together with our own payment solution Concardis Optipay, we therefore position ourselves as a competent service provider for innovative mobile payment solutions at the point of sale.
Concardis invests in Cologne-based payment institution Cardtech Card & POS Service GmbH, thereby entering the world of technical network operation. With the subsequent acquisition of a majority shareholding in Cardtech in 2015 and the complete acquisition with full integration in 2017, we gain important expertise for the establishment of our own in-house IT hub.
2007 AND 2008
Expansion into e-commerce
Concardis started its own platform for e-commerce: the new payment software Concardis Payengine enables fast and secure distance-selling transactions – via the Internet, email and telephone. An additional contract with an external payment service provider is no longer necessary. We are thus perpetuating our motto ‘everything from a single source’, which we have been committed to since 2003.
2005 AND 2007
Entry into Swiss and Austrian markets
We expand our sales activities to Switzerland (2005) and Austria (2007), thereby positioning ourselves for the future. Within the framework of the Single Euro Payments Area (SEPA), starting in 2010, cross-border payments within the eurozone are to be as simple, convenient and fast as domestic payments. This also applies to card payments in other countries in the European Union, which we hope to make as easy as possible for consumers.
The latest generation of payment terminals
Concardis can now offer its customers a wide range of cutting-edge card readers that meet the most recent national and international standards. This also includes the EMV security standard: to combat abuse of cards with magnetic strips, more than two-thirds of all credit and debit cards in circulation are equipped with the latest generation of chip by 2005. From the very start, we enable our customers to accept payments with these new cards.
Establishment of Concardis GmbH
The acquiring division is divested from EURO Kartensysteme and commences operations as an independent company. The goal is to transition from a company specialising in credit card processing to a full-service provider of card-based payment transactions, which is why the new Concardis GmbH continuously expands its product range with international credit cards and additional services.
Foundation of the Gesellschaft für Zahlungssysteme
The Gesellschaft für Zahlungssysteme (GZS) is founded which, as a service company of the German banking industry, is responsible for the development and business processing of card-based payment systems. These are the roots of Concardis: following the separation of the technology and processing divisions in 1997, the GZS takes on the new name ‘EURO Kartensysteme’ – and this company ultimately became Concardis in 2003.
The customers who trust us
... the service is right for us and for our customers.
Dieter Tuxhorn, Head of Finance and Accounting Lindner Hotels AG
Lindner Hotels AG has 34 hotels in seven European countries. The group also operates five boarding houses in Germany. Lindner Hotels include business and congress hotels, wellness and golf resorts and a holiday park.
HOSPITALITY PAYS OFF.
Concardis understands our business.
Hans Georg Spliethoff, Otto Group
With around 100 online shops in the consumer business, the Otto Group is one of the largest online retailers in the world and OTTO is the largest online shop in Germany.
MAIL ORDER PAYS OFF.
Smooth and fast implementation.
The Bünting Group is one of the largest East Frisian trading companies with over 200 years of tradition.
RETAIL PAYS OFF.