How a Dutch Digital Business Built a Local Payment Setup for German Customers
Alexander L. runs more than ten digital-service platforms out of the Netherlands. Every one of them bills customers in Germany. Growing that many businesses is one challenge. Building a payment setup for German customers that repeats cleanly for the next new entity is another.
Services built for the German market
Alexander has been building businesses for years. He started with Bol.com, the Dutch answer to Amazon, selling household goods, but growing that way meant tying up cash in stock before a single customer paid. He and his business partner wanted something that worked differently.
They found it across the border, in digital services for German customers. One of the platforms they built, EORI Service Online, is an independent service that helps businesses apply for an EORI number, the identifier used in dealings with EU customs, without the usual paperwork. It’s one of more than ten platforms the group now runs, each serving customers in Germany.
Building a payment setup for German customers
As the group grew, Alexander ran into a challenge a lot of growing businesses eventually hit: no payment setup that worked smoothly for his customers. So, he decided to simplify how the group got paid. Instead of running each new entity through a different setup, he’d invoice directly. One piece of that became clear fast: a German IBAN was what would let the whole group move forward.
Because the group’s customers are all in Germany, he wanted invoices to carry a German IBAN, not a foreign country code. It’s a small detail that builds trust: a familiar IBAN reads as local and legitimate.
The companies invoice their customers directly, with payments made by bank transfer rather than through a card checkout. For the group, receiving these payments through a German IBAN was the setup that fit their customers best.
Credit transfers are a well-established payment method in Germany. According to the Deutsche Bundesbank’s 2025 payment-behaviour study, they represented 23% of the value of recorded payments, tied with cash and behind only debit cards.1
“This kind of setup works well for any business that invoices customers directly rather than running a checkout,” says Mantas Jalincas, Head of Commerce at Wittix. “We see it often with businesses that operate several entities and need a payment setup they can repeat as they grow.“
A repeatable payment model across the group
In early 2025, the group began looking for a provider that could support this model across its Netherlands-registered companies. “I think we contacted over ten different fintechs,” Alexander says. Wittix was a fit both for the practical need, a German IBAN for receiving customer payments, and for how the relationship worked from there.
More companies, one relationship
Today, Alexander L.’s group runs more than ten companies with Wittix, each with its own German IBAN. Once the first entity was onboarded, adding the next one moved quickly. Wittix already had the group’s ownership and business details on file. Alexander says most new entities were up and running within a couple of days, each still going through its own review.
Refunds run through the same setup, with Alexander’s team managing the request and Wittix processing the payment.
Support built around trust
The setup itself is only half of it. What’s mattered as much is having one person to go to. Alexander works directly with his Wittix account manager, Roshan. Roshan handles requests as they come up, from registering a new trade name to sorting out a question. That means payments stay out of the way of how fast the business wants to grow.
That relationship showed up in a specific way, too. As the group added staff, Alexander needed his customer-support team to see account activity. They shouldn’t be able to move money out of the account, though. Wittix built that split access for him, so the team has the visibility it needs while Alexander keeps control of the funds.
“Having an account manager who can provide real support is valuable to us,” Alexander says. “With larger institutions, it can sometimes be difficult to know who to contact or what to do next.”
What changed once the payments matched the business
“The real growth happened after we started using Wittix,” Alexander says. With customer payments running reliably across the group, he could focus more on new projects and marketing instead of managing the payment side of the business.
He’s now building a separate e-commerce brand alongside the group’s service platforms. He plans to keep adding new ones for as long as the model holds up, adapting as German administrative processes continue moving online.
For a business running one entity, a payment setup can be a detail. For a business running ten or planning to, it becomes infrastructure. Adding the next company shouldn’t mean rebuilding the relationship from scratch. And as the group grows, having a direct line to an account manager becomes more valuable, not less.
For Alexander L., the value of the relationship is not limited to the German IBAN. It is the combination of local payment infrastructure, controlled account access and a direct point of contact as the group continues to grow.
Looking for a German IBAN for your own cross-border business? Account opening is subject to standard onboarding review and approval. Get in touch with Wittix.
About Wittix
Wittix, UAB is an Electronic Money Institution licensed and regulated by the Bank of Lithuania (EMI Licence No. 48), operating under the European Central Bank’s legal framework. We offer fully digital financial services for individuals and businesses, including multi-currency European accounts, SEPA and international payments, cards, and expense tools. Whether you’re scaling online or managing a more traditional operation, local or global, Wittix provides a platform that’s easy to use and a team that delivers real, personal support.
1 Deutsche Bundesbank, “Payment behaviour in Germany in 2025,” published 17 June 2026, https://www.bundesbank.de/en/press/press-releases/payment-behaviour-in-germany-in-2025-964738.
