Frequently Asked Questions

Barzahlen is an independent payment infrastructure that allows withdrawals and deposits of cash at the supermarket checkout via barcode.
In Germany and Austria it is already the biggest private infrastructure of its kind. With Barzahlen, customers have the possibility to deposit and withdraw money from their bank account without a minimum purchase requirement. Furthermore, customers can pay their online purchase, rent or airline tickets with cash in retail stores.

Scenario 1 “Deposit”:

  • Customers of partnering banks want to deposit cash into their own account, so
    they generate a barcode in their banking app with the desired amount.
  • They then present the barcode on the screen of their mobile phone at the
    checkout when grocery-shopping and give the money to the cashier.
  • Customers will receive a push notification on their phone and the funds will be
    instantly credited to their account.
  • The cashier will also provide a receipt to the customer.

Scenario 2 “Withdrawal”:

  • Customers of partnering banks want to withdraw cash from their own account, so
    they generate a barcode in their banking app with the desired amount.
  • They then present the barcode on the screen of their mobile phone at the
    checkout when grocery-shopping and receive the money from the cashier.
  • Customers will receive a push notification on their phone and the funds will be
    instantly debited from their account.
  • The cashier will also provide a receipt to the customer.

Scenario 3 “Online shopping”:

  • The customer selects Barzahlen in a participating onlineshop at the end of the
    ordering process.
  • As a consequence, the customer receives a payment slip with a barcode by e-mail
    and prints it out. Alternatively, the customer can get the barcode via text
    message.
  • While grocery shopping, the customers shows the payment slip at the checkout and
    then pays it in addition to the normal purchase (optional, there is no minimum
    purchase obligation).

Additional scenarios that are already in use in Germany and that will be extended to
more European markets in the future are bill payment services, e-wallet top ups, emoney
and money transfer.

Barzahlen is available in Germany and Austria.
Furthermore, the European brand “viacash” operates in Switzerland and Italy, offering the exact same service. The network of viacash retail partner stores includes more than 125 stores of PAM Group in Italy and 1600 ticket vending machines of SBB in Switzerland. The network of Barzahlen retail partner stores includes around 12.000 stores of Rewe, Rossmann, dm, Penny, real, Budni and more in Germany and around 2600 stores of Billa, Penny, dm, Merkur and Bipa in Austria.
  • No need to search for an ATM. The basic banking needs can be easily met with
    Barzahlen en route.
  • Combining online shopping with offline payment.
  • Benefit from the generous opening hours of supermarkets, drugstores, hardware
    stores (available only in Germany) and ticket machines (available only in
    Switzerland).
  • No disclosure of sensitive account or credit card information.
From a retail perspective there is a trend in the retail banking world, which nationwide retail chains can leverage to their advantage to drive more customer traffic to their stores.To put this into perspective: Retailers are looking for  innovations to provide customers with relevant value-added services which can simplify and make their customers’ routines more convenient and comfortable.
  • Customers of direct banks, since they do not have their own branch network and
    therefore the deposit of cash is usually not possible.
  • Young customers (14-29 years), as they often do not have a credit card yet, but
    still want to shop online.
  • Older customers, which mostly have a credit card, but are extremely reluctant to
    use it online.
  • People with low incomes, as they often do not have or receive a credit card.
  • Many countries in Europe like Germany, Switzerland, Austria and Italy show a particularly high cash affinity.
  • Consumers in these countries are withdrawing more cash than ever while the number of ATM’s and bank branches is decreasing.
Barzahlen cooperates with various national and international banks across different European markets. These include Sparda Bank, DKB, Fidor Bank in Germany and Hype in Italy. The cooperation with N26 and bunq is available in Germany, Austria and Italy.
In the DACH region, viacash/Barzahlen is used by large organizations across different sectors including e.on in the utility sector, the Bundesagentur für Arbeit in the public sector, Rakuten.de in the E-Commerce sector and Generali in the Austrian insurance sector. Partner companies from the travel industry include Air Prishtina and Kosova Airlines in Switzerland.
If your barcode has expired, please request a new one from the invoicing party. Neither the invoicing party nor Barzahlen can extend the duration of the barcode.