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Pair Finance has been recognized for its AI-approach<ref name=”Handelsblatt2018″>{{Cite web |last=Schneider |first=Katharina |date=30 August 2018 |title=Diese 4 Fintechs haben die Jury mit innovativen Geschäftsideen überzeugt |url=https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/preisverleihung-diamond-star-diese-4-fintechs-haben-die-jury-mit-innovativen-geschaeftsideen-ueberzeugt/22974520.html |access-date=2025-09-30 |website=www.handelsblatt.com}}</ref><ref name=”mpe2022″>{{Cite web |title=MPE Awards 2022 Winners Brochure |url=https://www.merchantpaymentsecosystem.com/files/brochures/mpe-awards-2022-winners-brochure.pdf |website=Merchant Payments Ecosystem |format=PDF}}</ref> and for being among the fastest growing companies in Germany.<ref name=”deloitte2023″>{{Cite web |title=Fast 50 Gewinner 2023 {{!}} Deloitte Deutschland |url=https://www.deloitte.com/de/de/Industries/tmt-fast-50/research/fast-50-2023-gewinner.html |access-date=2025-09-30 |website=www.deloitte.com |language=de-de}}</ref><ref>{{Cite web |last= |first= |date=15 November 2024 |title=Germany’s 12 Fastest-Growing Fintech Startups in 2024 |url=https://fintechnews.ch/fintechgermany/germanys-12-fastest-growing-fintech-startups-in-2024/73139/ |access-date=2025-09-30 |website=FintechNewsCH |language=en-US}}</ref> |
Pair Finance has been recognized for its AI-approach<ref name=”Handelsblatt2018″>{{Cite web |last=Schneider |first=Katharina |date=30 August 2018 |title=Diese 4 Fintechs haben die Jury mit innovativen Geschäftsideen überzeugt |url=https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/preisverleihung-diamond-star-diese-4-fintechs-haben-die-jury-mit-innovativen-geschaeftsideen-ueberzeugt/22974520.html |access-date=2025-09-30 |website=www.handelsblatt.com}}</ref><ref name=”mpe2022″>{{Cite web |title=MPE Awards 2022 Winners Brochure |url=https://www.merchantpaymentsecosystem.com/files/brochures/mpe-awards-2022-winners-brochure.pdf |website=Merchant Payments Ecosystem |format=PDF}}</ref> and for being among the fastest growing companies in Germany.<ref name=”deloitte2023″>{{Cite web |title=Fast 50 Gewinner 2023 {{!}} Deloitte Deutschland |url=https://www.deloitte.com/de/de/Industries/tmt-fast-50/research/fast-50-2023-gewinner.html |access-date=2025-09-30 |website=www.deloitte.com |language=de-de}}</ref><ref>{{Cite web |last= |first= |date=15 November 2024 |title=Germany’s 12 Fastest-Growing Fintech Startups in 2024 |url=https://fintechnews.ch/fintechgermany/germanys-12-fastest-growing-fintech-startups-in-2024/73139/ |access-date=2025-09-30 |website=FintechNewsCH |language=en-US}}</ref> |
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== History == |
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Pair Finance was established in 2016 by entrepreneur Stephan Stricker.<ref name=”BI2020″>{{Cite web |last=Schwär |first=Hannah |date=6 July 2020 |title=Fintech-Deal: Zalando investiert erneut in Inkasso-Startup Pair Finance |url=https://www.businessinsider.de/wirtschaft/wette-auf-digitales-schuldeneintreiben-zalando-erhoeht-investment-in-berliner-inkasso-startup-pair-finance/ |access-date=2025-09-30 |website=Business Insider |language=de-DE}}</ref> Early investors include fintech incubator [[Finleap]] and [[Yabeo Venture]].<ref name=”FF2022″>{{Cite web |last=Schlenk |first=Caspar Tobias |date=11 October 2022 |title=Inkasso-Startup Pair Finance wird für rund 100 Millionen Euro verkauft |url=https://financefwd.com/de/pair-finance-pollen-street/ |access-date=2025-09-30 |website=FinanceFWD |language=de}}</ref> |
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In 2017, [[Zalando]] invested in the company as part of a [[Series A]] funding round in which PAIR Finance raised a total of €4.5 million.<ref>{{cite web |last1=Stüber |first1=Jürgen |title=Zalando steigt bei Inkasso-Startup Pair Finance ein |url=https://www.businessinsider.de/gruenderszene/allgemein/zalando-inkasso-pair-finance/ |publisher=Business Insider/Gründerszene |access-date=30 September 2025 |date=11 December 2017}}</ref> In 2020 Zalando increased its investment in the company, and former [[Deutsche Postbank]] Board Member and [[Deutsche Bank]]-Manager Ralph Müller joined as investor.<ref name=”BI2020″ /><ref name=”FW2020″>{{Cite web |last=Schlenk |first=Caspar Tobias |date=6 July 2020 |title=2 Millionen Euro für Pair Finance – Bewertung steigt auf 60 Millionen |url=https://financefwd.com/de/pair-finance/ |access-date=2025-09-30 |website=FinanceFWD |language=de}}</ref> |
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In 2022, British private equity firm [[Pollen Street Group]] acquired a majority stake (60%).<ref name=”FW2022″>{{Cite web |last=Schlenk |first=Caspar Tobias |date=11 October 2022 |title=Inkasso-Startup Pair Finance wird für rund 100 Millionen Euro verkauft |url=https://financefwd.com/de/pair-finance-pollen-street/ |access-date=2025-09-30 |website=FinanceFWD |language=de}}</ref><ref name=”pb2025″ /> Stephan Stricker, Finleap, Zalando, and members of the management team remained minority shareholders.<ref name=”SZ2022″>{{Cite web |date=10 October 2022 |title=Pair Finance wird verkauft |url=https://www.sueddeutsche.de/wirtschaft/inkasso-pair-finance-wird-verkauft-1.5672009 |access-date=2025-09-30 |website=sueddeutsche.de |language=de}}</ref> |
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Pair Finance initially operated in Germany before expanding to Austria in 2021 and then to the Netherlands, Belgium and Switzerland in 2023.<ref>{{Cite web |date=11 October 2022 |title=Pair Finance plant schnelleres internationales Wachstum |url=https://finanzbusiness.de/nachrichten/fintech/article14482411.ece |access-date=2025-09-30 |website=finanzbusiness.de |language=de}}</ref> Further international expansion took place in 2024 with the company entering the Spanish and Swedish markets.<ref>{{Cite web |last=Niemsch |first=Victoria |date=23 October 2024 |title=Organigramm: Das sind die Schlüsselpersonen bei Pair Finance |url=https://www.businessinsider.de/gruenderszene/business/organigramm-das-sind-die-schluesselpersonen-bei-pair-finance/ |access-date=2025-09-30 |website=Business Insider |language=de-DE}}</ref> |
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In 2024, Pair Finance received approval from the German [[Federal Financial Supervisory Authority]] (BaFin) as a credit services institution.<ref>{{Cite web |last= |first= |last2= |first2= |date=15 October 2024 |title=Inkasso-FinTech Pair Finance erhält BaFin-Zulassung als Kreditdienstleistungsinstitut |url=https://www.it-finanzmagazin.de/pair-finance-erhaelt-bafin-zulassung-als-kreditdienstleistungsinstitut-217277/ |access-date=2025-09-30 |website=IT Finanzmagazin |language=de}}</ref> |
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Latest revision as of 09:22, 30 September 2025
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| File:Pair Finance logo.svg | |
| Company type | Private |
|---|---|
| Industry | Financial technology |
| Founded | 2016 in Berlin, Germany |
| Founder | Stephan Stricker |
| Headquarters |
Berlin , Germany |
|
Area served |
Germany, Austria, Switzerland, France, Spain, Portugal, Netherlands, Belgium, Sweden, Poland[1] |
| Products | receivables management, debt/cash collection, portfolio acquisition of small claims |
| Owner | Pollen Street Group, Stephan Stricker, Finleap, Zalando |
| Website | pairfinance |
Pair Finance is a financial technology company that offers digital debt collection and receivables management services. Founded in 2016 and headquartered in Berlin, the company operates in 10 European countries as of 2025.
The company uses a data-driven approach to debt collection, applying artificial intelligence, behavioral, and data science.[2] Its model incorporates consumer behavior and relies primarily on digital communication, with no phone calls to consumers.[3][4]
Pair Finance has been recognized for its AI-approach[5][6] and for being among the fastest growing companies in Germany.[7][8]
Pair Finance was established in 2016 by entrepreneur Stephan Stricker.[9] Early investors include fintech incubator Finleap and Yabeo Venture.[10]
In 2017, Zalando invested in the company as part of a Series A funding round in which PAIR Finance raised a total of €4.5 million.[11] In 2020 Zalando increased its investment in the company, and former Deutsche Postbank Board Member and Deutsche Bank-Manager Ralph Müller joined as investor.[9][12]
In 2022, British private equity firm Pollen Street Group acquired a majority stake (60%).[13][2] Stephan Stricker, Finleap, Zalando, and members of the management team remained minority shareholders.[14]
Pair Finance initially operated in Germany before expanding to Austria in 2021 and then to the Netherlands, Belgium and Switzerland in 2023.[15] Further international expansion took place in 2024 with the company entering the Spanish and Swedish markets.[16]
In 2024, Pair Finance received approval from the German Federal Financial Supervisory Authority (BaFin) as a credit services institution.[17]
