FLIZpay

FLIZpay is a Berlin-based fintech startup building the first free payment method that eliminates expensive processing fees for businesses while rewarding consumers with instant cashback. Founded in 2023 by Konrad Holtkamp and Roberto Ammirata, FLIZpay uses SEPA bank transfers to bypass traditional card payment intermediaries, removing hidden fees of 1-7% that are ultimately passed on to consumers. Businesses save on payment costs, while shoppers earn real cashback instantly at hundreds of partner brands including Adidas, Starbucks, Zalando, and H&M.