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 (UMT) and the multi-partner bonus programme PAYBACK are redefining their successful cooperation. Since 2016, the UMT platform has formed the technology basis for the market-leading mobile payment function PAY within the PAYBACK app. As part of the further development of the UMT platform, PAYBACK is now acquiring a license from UMT for the independent operation of PAYBACK PAY. In future, the customer-specific function module will be managed by PAYBACK itself.

In return, UMT will be able to offer the functionalities previously used exclusively by PAYBACK to other customers as part of an open-loop solution. In combination with the announced launch of its own aggregation app LOYAL, which enables customers to combine payment services from different providers in a single application, UMT offers the user an even greater degree of flexibility and freedom of choice, while at the same time achieving the highest possible level of acceptance. This gives UMT greater independence and a promising future in a dynamically growing market for mobile payment. Over the entire term of the cooperation with Germany's largest bonus programme, UMT has succeeded in positioning itself as a reliable technology partner in the market, increasing awareness of innovative mobile payment systems and reaching important milestones in development work. UMT will build on this foundation and continue on the path to growth and the creation of sustainable values.

“We have reached a point in the company's development at which we would like to broaden our strategy. The acquisition of PAYBACK's license rights once again proves the value and sustainability of UMT technology in a highly competitive market with players such as Apple, Google, Alipay and WeChat. This agreement will provide UMT with significant cash resources on the one hand, and on the other we will achieve a new level of independence with regard to the distribution of our technology. We are immediately in the advantageous position of being able to offer our mature and stable performing UMT platform functionally completed in a dynamically growing market for mobile payment. This market is undergoing a disruptive change process. Especially in Germany, customer preference for payments is shifting away from cash towards cashless payment alternatives. With our white label solution, we make it possible for any provider to link mobile payment with loyalty programs. It is our aim to use this offer to convince new customers of our proven, practical and secure payment option combined with additional functionalities that were previously reserved for PAYBACK, and thus significantly accelerate the existing scaling of the UMT platform", says 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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