Company News

August 17, 2026

Get the bike of your dreams with payever: How Fahrrad Füchse wins over even price-sensitive customers using Openbank Pay

Challenge

As the largest bicycle retailer in Fürstenwalde, Fahrrad Füchse has been providing customers with high-quality bicycles and e-bikes since 1993. With more than 1,000 square meters of retail space, there is a suitable bike for everyone.
Over the company’s more than 30-year history, numerous innovations have fundamentally transformed every area of the business. E-bikes, significantly faster spare-parts procurement, and excellent on-site service ensure a seamless customer experience from consultation and purchase through to repairs — at least when the full purchase price is immediately available.
Card terminals, instant bank transfers, and PayPal make payments efficient, but they all require customers to pay the full amount upfront. To reach customers who can afford a bicycle but do not want to pay for it in full immediately, Fahrrad Füchse turned to us.

Solution

Since 2023, Fahrrad Füchse has been offering its customers fast and straightforward financing in partnership with Openbank Pay, with up to 72 monthly installments. Instead of visiting their bank and waiting weeks for a decision, customers simply scan a QR code and enter a few personal details. Within seconds, the financing decision is made, and customers can take their desired bike home immediately.

​Seamless Payment

Checkout

Openbank Pay
Installments

Solutions in Use: POS Zinia Lending GER & CommerceOS

The setup is equally simple for merchants: following a one-time review by the bank, financing can be offered whenever needed, without any additional hardware. A printed QR code is all that is required. Alternatively, an employee can guide the customer directly through the financing application using the intuitive payever portal.

“Overall, the interface is very appealing, and customers are guided smoothly through the financing process, so hardly any mistakes can occur.”
— Fahrrad Füchse

Results

The introduction of Openbank Pay has had a direct impact on customers’ purchasing decisions at Fahrrad Füchse. The ability to finance a bike within minutes rather than weeks has noticeably increased conversion at the point of sale and has made high-priced e-bikes accessible to more customers. Today, e-bikes are already replacing cars in many cases and have become an essential part of everyday life.
In less than three years, Fahrrad Füchse has financed six-figure revenue, with 80% of submitted financing applications being approved. The fully digital, seamless process not only creates a more satisfying customer experience but also ensures smooth day-to-day operations for Fahrrad Füchse.

„Am besten gefällt uns, dass alles digital abgewickelt wird. Unser Lieblingsfeature ist das digitale Signaturverfahren. Wir müssen nichts mehr drucken, unterschreiben oder einscannen.“
 — Fahrrad Füchse

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