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


PAYBACK, Germany's largest bonus program, further expands its partner portfolio: As of today, PENNY offers, as the first discount supermarket in the program, its customers to conveniently collect valuable PAYBACK points while shopping. Points are available in all 2,180 PENNY stores throughout Germany and, at a later time, clients will also be able to collect points when shopping online at www.penny.de. Points can be collected at PENNY with all PAYBACK cards orwith the new card in the PENNY Look. Just as convenient is the use of the PAYBACK app, whose PAY function is based on UMT technology. With the app, customers at PENNY can collect points, activate coupons and pay with their mobile phones.

"PENNY is a new highlight in the points world! Many of our 30 million customers in Germany have been waiting for the opportunity to collect points at PENNY as well," said Bernhard Brugger, CEO of PAYBACK and EVP Global Loyalty Coalition. "We are pleased that we have been able to win over PENNY with our digital and mobile services in particular and that the company can provide its customers with coupons and deals of particular relevance to them," noted Brugger.

With around 2,180 stores and 27,000 employees, PENNY reached EUR 7.4 billion in revenues in 2017 in Germany alone. Abroad, PENNY realized EUR 4.5 billion in revenues, with over 1,400 stores and 21,000 employees.

The PAYBACK app is among the most popular and most successful shopping apps in Germany, with 14.5 million downloads. For UMT United Mobility Technology AG, whose payment technology represents a major part of the PAYBACK app, the addition of the discount supermarket, a member of REWE Group, further strengthens its positioning as one of the leading mobile payment technology providers in Germany and Europe.

"The success of the PAYBACK app shows that the future lies in a user-friendly combination of payment applications and loyalty solutions over a wide acceptance area. It is for this reason that the PAYBACK app, with its bundle of services and availability in stores over a broad area, is far more relevant than the products of some big payment providers, which offer a payment function only. We are very pleased that PAYBACK PAY can now be used in all PENNY stores in Germany, effective immediately so that additional millions of customers can benefit from a practical and secure payment solution," stated Dr. Albert Wahl, CEO of UMT AG.


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PAYBACK is the leading international multi-partner loyalty program and one of the biggest and most powerful marketing platforms in the world. In Germany, customers can collect points with PAYBACK at more than 650 companies that are relevant to everyday life and redeem them for vouchers, awards or Lufthansa miles, or donate them. In 2017, the value of the collected points was EUR 381 million, of which 95 percent were redeemed by customers. PAYBACK communicates synchronously through all channels – offline, online and mobile – and optimally combines reach with personalization, in-store sales and the digital world in the process. Companies have the option of running integrated campaigns through all available channels. The PAYBACK app is among the most popular and most successful shopping apps in Germany, with 14.5 million downloads. Further information: www.payback.net

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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