Mobile Payments, Finally European.

Tap & Scan in the World´s Largest Payment Roaming Network.

Bluecode makes mobile payments fast and safe – for users, banks, and merchants alike.

Flexible Payments.

Three payment technologies always at hand. Bluecode smartly selects the best option for every situation.

160 Mio. Acceptance Partners.

Bluecode will soon enable payments worldwide at 160 million acceptance points—all under European regulations.

Tap & Scan in one App.

Equipped with NFC, QR, and barcode technology for fast, contactless
payments – anytime, anywhere.

Free Payment Roaming.

Bluecode unites successful payment networks for smooth payment worldwide – always under European security standards.

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Pre-Launch:
Logo Diners Club & Discover
How it works

One App for You and Europe.

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Download the Bluecode App

or a partner app compatible with Bluecode.

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Connect Your Bank Account

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This ensures your data remains protected within Europe.

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Pay the European Way – Worldwide

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Whether around the corner, throughout Europe or soon worldwide —every payment follows strict European security standards.

Global Reach, Local Rules.

Bluecode has created a unique solution that unites global payment networks. Through partners such as Discover® Global Network, Alipay+ and EMPSA, Bluecode will soon be connected to over 160 million acceptance partners in 40+ networks and continues to grow. The special thing about it: payments are account-based (without credit/debit card), are therefore highly secure and are processed according to European values, rules and standards in Europe.

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With all bank accounts possible.

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Possible with bank accounts of our partner banks.

Currently for payments in Europe available - soon worldwide.

Logo von Discover Global Network

Possible with bank accounts of our partner banks.

Pre-launch with closed user group.

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Strong Partners, Close By.

The Bluecode Map provides an overview of all partners in our constantly growing network. Anyone can become part of our journey with a payment to our acceptance partners!

Bluecode Benefits Everyone

When Payments Connect.

Bluecode offers advantages for everyone—banks, merchants, and users alike.

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Fast Payments and Rewards.

Scan the app to pay, automatically collect loyalty points, and enjoy stress-free shopping. Save time and make every purchase a pleasant experience.

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Multiple Apps in One.

From fueling up to managing flexible insurance or buying gift cards—Bluecode saves both time and hassle.

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Tap & Scan – All in One App.

Contactless payments via QR, barcode, or NFC—all in one app. A new level of flexibility for global payments.

Pre-Launch
Frau Zahlt im Urlaub per Handy

Global Partners for cross-border Payments.

Bluecode connects global payment networks, enabling secure transactions under European standards. A cost- and worry-free payment experience worldwide.

Which Partner Apps Are Available?

Bluecode technology is already integrated into numerous partner apps. Find the app that suits you and start paying securely and the European way.

Pay Securely with Our Bank Partners

Maximum Privacy and Security.

Security Is the Top Priority.

Our payment technology is an anonymous payment process that only uses unique transaction codes for payments. Only our authorized partner banks can read the one-time transaction code and redeem the payment.

Privacy-first.

Bluecode does not know users' payment data because it always remains securely with the house bank. Bluecode takes care of secure processing using a unique transaction code.

Every Payment is Protected.

With Face ID, fingerprint, or PIN, your Bluecode app is always protected—ensuring no accidental payments are possible.

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FAQs

Here you will find answers to the most frequently asked questions about Bluecode - everything about our payment solution at a glance.

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Why is paying with Bluecode secure?

Especially when it comes to money, security is a top priority. For this reason, we have created Bluecode, a technology and solution that not only protects your money, but also your data. Bluecode is a highly secure payment method because: A new Bluecode token (blue barcode) is created for each individual payment and each Bluecode token can only be used once. No confidential data is transmitted in the payment cycle. Bluecode does not store any personal data or other information that would allow conclusions to be drawn about the user's account or identity.

How do the collector's passes work in the Bluecode app?

The Bluecode app brings the familiar collector's pass into the mobile age. This means that you always have the collection pass from your favorite bakery with you, for example, and don't have to take it out of your wallet and have it stamped every time you shop. With Bluecode, this works completely automatically: simply pay with your mobile device and the stamps are stored digitally in the app. When your stamp pass is full, you will receive a voucher that is automatically redeemed the next time you pay with Bluecode.

What added value does Bluecode offer?

With Bluecode, you can finally pay securely and quickly with your app-enabled device, such as your smartphone. At selected retailers (e.g. Hartlauer, Hervis and Ecodrom), you can even link your customer card or digitize your collection passes fully automatically. One scan is enough and all the steps are done in no time at all! You'll never need your customer card at these retailers again and loyalty cards will never get lost again.you can find our digital value-added services (vouchers, loyalty cards, cards, etc.) in the Bluecode app under “Discover”.

What does Bluecode cost?

You can use Bluecode free of charge.

Where can I pay with Bluecode (Bluecode acceptance points)?

Bluecode was launched in Austria in 2015 and is now available in 85% of all grocery stores. For example at Billa, BIPA, Billa PLUS, Spar, Interspar, M-Preis, Sutterlütty and ADEG, to name just a few. You can also pay with Bluecode at innovative bakeries such as Felzl or Felber, in underground car parks, cinemas, petrol stations and many restaurants.Bluecode is also available nationwide in Germany at retailers from various sectors. In addition to Rossmann, Müller and Globus, our acceptance points in Germany also include soccer stadiums and many other partners, and you can also use our interactive map of Bluecode acceptance points.

Why do I have to enter my account access data?

Security is one of the most important factors in payment processing, for you and for us. To ensure that no one can use third-party accounts, the billing partners or direct debit processors use their own bank services (e.g. EPS, Giropay) or licensed third-party service providers (e.g. Klarna, Tink) to verify the authority to dispose of accounts. account verification is only used to check the user's authorization (= successful access to the account), no financial data from the account is used to create a scoring or similar.

How do I connect Bluecode to my bank account?

There are two ways to link your bank account with Bluecode:With partner banks, you can log in immediately and directly in the app or in your bank's online banking. This registration is particularly fast and possible at all Bluecode partner institutions.at all other banks, you can register using a SEPA direct debit procedure (“Bluecode direct debit procedure”). In this case, when you register for Bluecode, you issue a direct debit mandate to a licensed billing partner who processes your Bluecode payments (direct debits) on behalf of the merchant's payment service provider (current billing partners are: Payone GmbH, Volksbank eG). The direct debit processor or billing partner is supported in the registration process by a technical service provider, Secure Payment Technologies GmbH.

How exactly does mobile payment with Bluecode work?

Once you have downloaded the Bluecode app to your device free of charge, you can connect Bluecode to your bank account. Bluecode will not receive your name or account details. This data remains with your bank or, in the case of the Bluecode direct debit procedure, with a licensed billing partner/direct debit processor and a new, unique Bluecode token (blue barcode) appears each time you open the Bluecode app. When paying with Bluecode, you must present this blue barcode to the merchant so that they can accept the Bluecode payment, e.g. by scanning the Bluecode token. By showing the Bluecode token, you declare bindingly that you wish to pay with Bluecode. The payment process is completed within 300 milliseconds. Have you noticed anything? It sounds damn fast. And it is! And you don't have to touch any PIN entry devices to pay for anything - there may also be other methods of paying with Bluecode besides scanning, such as photographing a QR code.

What is Bluecode?

Bluecode is a mobile payment method. Bluecode makes paying with an app-enabled device (“terminal”), such as your smartphone, as simple as it is ingenious. It's simple, rewarding and secure. Every time you open the Bluecode app, a new blue barcode (“Bluecode Token”) appears. The Bluecode Token is scanned by the retailer and payment is made. At some retailers and online stores, a QR code can also be scanned with the app to trigger a payment.