PAYONE's growth had created a familiar challenge: multiple portals for different services, forcing merchants to juggle logins and navigate fragmented systems. For a payment processor handling 2.5 billion transactions annually, this complexity undermined the customer experience PAYONE wanted to deliver. Together, we designed and built one international self-service portal that consolidates all merchant services, secured by integrated identity management and Single Sign-On. The result: a scalable, flexible platform that simplifies payment management for 365,000 merchants across Germany and Austria.
Consolidation of multiple legacy portals into one unified platform
SSO and identity management for secure, seamless access
Agile, custom development for fintech-grade requirements
Scalable architecture built for international growth
Real-time transaction visibility and invoice management
The challenge
How do you give 365,000 merchants a single, intuitive gateway to manage all their payment solutions, when years of growth have left you with a patchwork of separate portals?
The solution
A consolidated international self-service portal with integrated SSO and identity management, developed in close agile collaboration to ensure flexibility, security, and scalability.
PAYONE x iO: building a one-stop-shop for payment management
PAYONE is a leading payment service provider in Germany and Austria, processing over 2.5 billion transactions each year for approximately 365,000 merchants. Their portfolio spans online, in-store, and omnichannel payment solutions.
iO serves as PAYONE's digital partner, not just for this portal consolidation, but as a strategic collaborator on their technical roadmap. Together, we work with short communication lines and a shared long-term vision, supporting PAYONE in navigating complex technology decisions and evolving customer expectations. This case highlights one facet of our partnership: creating a unified digital environment for merchants.
Why portal consolidation matters for payment service providers
For payment processors, every additional login is friction. PAYONE's organic growth had resulted in multiple online portals, each serving a different function. Merchants using more than one service had to manage separate credentials and interfaces, creating confusion and inefficiency. This fragmentation also made it harder for PAYONE to maintain a consistent experience and deliver new features at scale.
Consolidating these portals into a single self-service environment was not just a UX improvement: it was a strategic move to future-proof PAYONE's digital infrastructure and strengthen customer loyalty.
One international portal, built for merchants
The new platform gives merchants a single point of access to manage their payment terminals, view live transactions, access invoices, and configure payment options. The interface is designed for clarity and speed, enabling merchants to find what they need without switching between systems.
This unified approach also means PAYONE can roll out new features and services across the entire merchant base simultaneously, rather than updating multiple portals individually.
SSO and identity management: security meets convenience
In the payments industry, security is non-negotiable. At the same time, merchants expect frictionless access. We configured and integrated an identity management and Single Sign-On (SSO) solution that delivers both: merchants log in once and have secure access to all their services, without compromising on compliance or data protection.
This integration also simplifies user administration for PAYONE, reducing support overhead and enabling more efficient onboarding.
Agile development: a true partnership approach
The portal was developed using agile methodology, with iO and PAYONE's internal IT team working side by side. Short feedback loops and joint roadmap planning allowed us to adapt to changing requirements quickly and ensure that the final product aligned with PAYONE's commercial and technical priorities.
As a digital partner, iO contributed not only development capacity but also strategic input on process, architecture, and technology choices, helping PAYONE stay ahead of market expectations.
PAYONE serves merchants across Germany and Austria, with ambitions for further expansion. The platform was built from the ground up to scale: modular architecture, flexible integrations, and a technology foundation that supports future market entry without major re-engineering.
This scalability ensures that PAYONE can grow their merchant base and service offering without outgrowing their digital infrastructure.
A digital foundation for merchant-centric growth
The new international portal transforms how PAYONE's merchants interact with their payment services. Instead of navigating a patchwork of systems, they now have a single, secure, and intuitive environment for managing terminals, transactions, and invoices. For PAYONE, this means reduced support complexity, faster feature deployment, and a platform that can scale with their ambitions.
Our partnership continues to evolve, with iO providing strategic guidance on PAYONE's digital roadmap and supporting ongoing development. This case is one chapter in a longer story of collaboration, built on shared goals and a commitment to delivering value for merchants.
