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


UMT United Mobility Technology AG and UTRUST Switzerland AG have decided on a far-reaching strategic partnership in the payment area, in order to jointly revolutionize further payment transactions and transaction processing. The partnership serves the expansion and further development of the UMT technology to integrate the trustee functionality of UTRUST in the crypto market. The collaboration includes the financing and operation of a transaction platform between crypto and fiat currencies, based on the innovative and future-proof Blockchain technology. As part of the cooperation, UTRUST will license the UMT technology platform and will be charged, as a new client, on a transaction based level.

With this step and the expansion of its range of services in the Blockchain and cryptocurrencies area, UMT is significantly expanding its value chain. As the operator of one of the largest mobile payment platforms in Europe, UMT will expand its services with cryptocurrency payment functions. The joint Exchange Platform gives UTRUST the opportunity to benefit from UMT's expertise in mobile payment and loyalty as well as from its existing large partner network in the long term.

UMT together with UTRUST will massively reduce the entry barriers for the implementation of cryptocurrency payments. Merchants can offer their clients payments through all types of cryptocurrencies with lower fees through the Blockchain technology, while at the same time receiving their payouts in fiat currency. Additionally, there will be an option to have a chargeback to the bank account or keeping it in their own wallet. Payments can also be converted into other cryptocurrencies. Meanwhile, consumers will benefit, in a globalized world, from the transaction security and protection of their payments, which is far superior to existing traditional service providers.

"This partnership is a big step for UMT. UTRUST and UMT strive to make payment processing more secure and more innovative while at the same time creating sustainable added value for all parties. With our individual core competencies, we complement each other perfectly and create synergies that take our business models to the next level", says Dr. Albert Wahl, CEO of UMT.

Nuno Correia, CEO of UTRUST, adds: "With UMT we have found the partner to share our ideas of flexibility and innovation in payment transactions. Our collaboration is a wonderful example of mutual success in a sharing economy. We look forward to a successful future together."

As more and more sales turnover of the real economy is processed via cryptocurrencies, UMT welcomes the recently published letter from the Federal Ministry of Finance (BMF). As the supreme federal authority for VAT treatment, the BMF shares the view of the European Court of Justice with regard to the equal treatment of Bitcoin and other virtual currencies vis-à-vis the legal tender. This is the case if the participating parties accept Bitcoin as an alternative, contractual and direct means of payment and it serves no purpose other than the use as a means of payment. Further information can be found at: www.bundesfinanzministerium.de.

About UTRUST Switzerland AG:

UTRUST is the world's first payment platform for cryptocurrencies, introducing consumer protection on a nationwide scale. The company is building a global PayPal-like payment platform with extensive cryptocurrency support. The long-term goal of UTRUST is to provide all the benefits of faster, safer, more convenient, and cheaper cryptocurrency transactions in conjunction with the world's first cryptocurrency payment protection, which will ensure consumer acceptance on a large scale. For 2.5 billion people in emerging economies who are not yet benefiting from financial participation, UTRUST also plans to give people without a bank account access to the global financial system. The value of tokens sold in a successful Initial Coin Offering (ICO) last year amounted to 20 million US dollars. 


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About UMT AG:

UMT United Mobility Technology AG is a FinTech company specialising in the development and implementation of customised mobile payment and blockchain solutions, particularly for major customers. As a white label technology provider, the Company operates, amongst others, one of the largest mobile payment platforms in Europe. UMT acts as a central interface between all relevant parties such as large retail chains, banks, bonus programme providers and end consumers. UMT's technology is in live operation at around 16,000 branches and 71,000 checkouts. In Germany alone, over 14 million users can use UMT's mobile payment technology. In addition, UMT offers its customers services in the area of customer loyalty programs and smart data along the entire value chain. With the innovative LOYAL-App, UMT offers its users an efficient way to use loyalty programs and a modern mobile payment solution.

The UMT United Mobility Technology AG share (GSIN A2YN70, ISIN DE000A2YN702) is traded on the Frankfurt Stock Exchange and is listed on the Basic Board of Deutsche Boerse AG.

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