Over 14 million users in Germany

at 71,000 connected cash desks

and around 16,000 branches

The innovative LOYAL App by UMT AG is now available in the app stores!

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UMT’s disruptive meta-app, provides customers even more overview, freedom and flexibility in the selection of their favorite voucher and bonus programs. You can expect so much from the recently introduced LOYAL app. App users do not need extensive searches for the best deals, offers and matching coupons. No matter what LOYAL users are interested in shopping, such as the latest fashion trends, the latest chart hits or the best hotels, they will be rewarded immediately.

Depending on the preferences, LOYAL can be adapted to the different interests and needs of the users and they can at the same time collect loyalty points for attractive bonuses and flight miles for the next holiday as well as take advantage of cash-back offers - even across all providers. Due to the customizable LOYAL user interface, the cheapest offer or the matching coupon is always available for the next holiday, music or shopping experience. By intelligently linking present payment solutions as well as credit card payments, LOYAL offers a central app for all situations. This provides even more flexibility at the checkout and on the Internet - easy, fast and secure.

Mobile Payment

Easy, secure and fast payment with UMT’s Mobile Payment Technology!

UMT implements individual Mobile Payment Solutions in existing or new applications. We offer our Mobile Payment Solutions for the Point of Sale, the E-Commerce and other channels like In-App, OTA, Print and P2P.

UMT Platform - Mobile Payment

Benefits at a glance:

  • Increase sales by expanding the sales channels and optimizing the use of existing purchasing impulses
  • Easy, fast and cost-effective integration
  • All common transmission technologies, e.g. QR and barcode, NFC and Bluetooth are being used
  • Compatible with all operating systems (iOS, Android and Windows)
  • Secure coding / encryption ensures first-class security

Mobile Wallet

The Smartphone becomes a digital Wallet.

You can offer your users different payment methods (Direct Debit, Credit Card, PayPal, etc.) or Loyalty Cards in one digital Wallet. Our technology makes it possible in a very simple and easy way!

UMT Platform - Mobile Wallet

Benefits at a glance:

  • Fast and cost-effective integration with existing IT infrastructure
  • Combination of mobile payment and individual customer loyalty programs
  • Optimal integration of digital customer cards, voucher offers and coupons
  • Faster checkout time due to user-friendly payment, loyalty and couponing processes
  • Various transmission technologies, eg QR and barcode / NFC / Bluetooth can be used

Loyalty / Bonus programs

Bind customers to your company on a long-term basis.

UMT offers customized digital customer loyalty programs. Create your own bonus program with our know-how or connect your already existing program to our platform. Use the knowledge of UMT’s experts to give your customers the opportunity of a fast and reliable combination of loyalty, coupons and mobile payment.

UMT Platform - Loyalty Programs

Benefits at a glance:

  • Increase sales through target group-specific marketing
  • Long-term customer loyalty through individualized customer loyalty programs
  • Quick and cost-effective integration of new and existing bonus programs into your own app
  • Mobile payments as well as activating and collecting points in one step
  • Reporting - UMT provides specific customer analyses

Data Analytics

Know your own customers and address them specifically!

Data analysis and the resulting information brings competitive advantages for more effective marketing and resulting in higher sales. For this purpose, UMT offers automated and individualized reporting and targeted data evaluations.

UMT Platform - Mobile Wallet

Benefits at a glance:

  • Less scattering losses due to targeted customer approach
  • Long-term growth through more effective marketing
  • Reports include all transaction details regarding branch, time, amount and payment
  • System automatically informs when problems occur
  • UMT offers 24/7 service hotline


The UMT Platform

Mobile Payment, Loyalty, Data Analytics.

UMT's Full Service Platform offers retailers and online shops new, innovative payment solutions with an easy integration of their respective loyalty programs. Clients can therefore grow their business and income by extending their new or excisting sales channels.

UMT's prorietary technical infrastructure makes a seamless integration of cash terminals simple, including a bonding of various payments methods (e.g. Maestro-, Credit-, Debitcards, Direct Debit, etc.) as well as using Ecoupons or client cards within the mobile wallet.


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CEO Europe Payback Bernhard Brugger

"Our partner for mobile payment is UMT. Through UMT we have found a flexible and agile service provider and partner. We have developed and produced an exceptional solution with UMT, and we are certain that together, we will be able to develop further innovations in the future."

Bernhard Brugger, CEO PAYBACK

The UMT Platform provides all imaginable functions based on the latest technical standards.


Mobile Wallet

The demand for Mobile Wallets increases steadily. The UMT technology uses the excisting hardware and software infrastructure of the merchant and therefore minimizes the implementation effort. Beyond that UMT's wallet technology is enabling a smooth integration of mobile payment and loyalty transactions.

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White Labeling

Our technology can easily be implemented as a White Label Solution in already existing application within the scope of a licensing. The major advantages are especially in keeping the own brand identity, time saving because of the short payment process and the easy integration into already existing IT-infrastructures.

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Mobile Payment

Mobile Payment is neither trend nor hype. It is the future. The UMT Platform provides a multifunctional and economic solution with its own matured technology which offers further value services for merchants.



Customer loyalty solutions get more important for companies because of the strong competition. The UMT Platform offers a very fast and individually adapted integration of custom loyalty programs.


Big Data Analytics

Big Data Analytics and its advantages for companies have meanwhile the utmost significance. The resulting informations will lead to competitive advantages and business benefits such as more effective marketing and an increase in sales.



The operation and development of the UMT Plattform is based on ISO/IEC 27001. The data encryption fulfils military standards. There are five security levels which each payment has to pass, before the transaction is completed. Besides, no data will ever be saved on the Smartphone.

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QR-Code / NFC / Bluetooth

We support all major transaction technologies such as QR-Code, NFC and Bluetooth. The UMT Platform - in comparison to sole NFC- providers - allows to address the broadest group of users.

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Maximum Compatibility

We guarantee compatibility with all iOS, Android and Windows operating systems and therefore access to the vast majority of smartphone users.

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