Money moves at the speed of life
PING PAY is the bank-linked wallet for instant, everyday payments. Scan a QR code, split a bill, or send money — directly from your account.
Total balance
€4,167.00
Recent
Statistic
Income
€ 2,400
Spent
€ 842
€0
P2P transfer fee
1–2 sec
Settlement speed
24/7
Instant payments, incl. weekends
PSD2
Regulated bank access
Accepted by neighbourhood favourites
Pay in three simple steps
No cards. No cash. No waiting around for a transfer to clear.
- 1
Link your bank
Connect your German bank account through a regulated PSD2 partner. It takes about two minutes.
- 2
Scan or send
Scan a merchant’s QR code, or pick a friend and enter an amount.
- 3
Confirm with your face or finger
Approve with biometrics. The money moves in 1–2 seconds.
Here are some of our cool features
Scan to pay
Point your camera at a QR code, check the details, and confirm.
Settles in seconds
Powered by SEPA Instant, so money lands directly in the merchant’s account.
Split a bill
Divide any amount between friends and collect each share in one tap.
Send to contacts
Pay people from your contact list without typing an IBAN.
Spending overview
See where your money goes each week, by merchant and by friend.
Bank-grade security
Biometric approval and real-time fraud monitoring on every payment.
Balance check
See your bank balance before every payment, so you always know what is left.
Weekly spending
Watch your habits take shape, day by day.
Built for the way Berlin actually pays
From the morning coffee to the shared flat, PING PAY covers the small payments that cards and cash make awkward.
Coffee and kiosks
Scan the code at the counter and you are done.
Shared flats
Split rent, bills and groceries without chasing anyone.
Markets and pop-ups
Take payments with just a printed QR code.
Friends and family
Send money from your contacts for free.
Give customers a better way to pay — and keep more of every sale.
One transparent rate. Instant settlement. No terminal required.
The checkout your customers already want
From cafés and kiosks to pop-ups and online sellers, PING PAY makes small payments affordable, trackable, and effortless.
- QR payments in-store
- Free customer transfers
- Sales analytics
- No fixed terminal fees
Simple, honest pricing
For people
€0
per transfer, always
- Unlimited P2P transfers
- Bill splitting and requests
- Spending overview
For merchants
0.9%
per payment, nothing else
- No terminal or monthly fees
- Instant settlement
- Sales analytics included
Your money, on your terms
Bank-linked by design
Payments move directly from your German bank account using regulated PSD2 partners and SEPA Instant.
Protected at every step
Biometrics, tokenised access, encryption, and real-time fraud monitoring are built into every flow.
Privacy by default
GDPR-conscious data protection with only the information needed to make payments work.
Designed for Germany
Starting in Berlin, built around the habits and needs of local businesses and communities.
What early users are saying
“Customers scan, pay and the money is in my account before they have put their phone away.”
“Splitting rent and groceries used to mean chasing people. Now it is one request.”
“No terminal to rent and no waiting for payouts. That alone changed my pop-up stall.”
Questions, answered
Is PING PAY a bank?
No. PING PAY links to your existing German bank account and moves money from it using regulated PSD2 partners.
How fast are payments?
Payments use SEPA Instant and normally settle in 1–2 seconds, any time of day.
Does it cost anything to send money to friends?
No. Person-to-person transfers are free.
What do merchants pay?
Merchants pay one transparent rate of 0.9% per payment, with no terminal or monthly fees.
Is my data safe?
Access is tokenised and encrypted, payments need biometric approval, and we only collect the data needed to process them.
When does the beta open?
The Berlin beta opens soon. Join the list and you will be among the first invited.
Be first in line for a better way to pay
PING PAY is opening its Berlin beta soon. Leave your email and we’ll keep you posted.