How ToolTime Pay helps tradespeople get paid faster with Embedded Payments

The challenge: Time-consuming processes and a lack of visibility created stress and extra costs.

Many trades businesses struggled with manual bank reconciliations, little visibility into incoming payments, and dunning processes that often had to be done after hours or on weekends. For small, owner-managed companies, this created a heavy burden in both time and cost.

Payments were the last black box in our customers' workflow. With ToolTime Pay, we have turned it into a smart system that integrates seamlessly and provides real relief. Our customers were enthusiastic, especially about the features that automate error-prone and monotonous tasks.

Marcel Mansfeld, Co-Founder and Chief Product Officer, ToolTime

The solution: ToolTime Pay centralizes payments, automating workflows and giving tradespeople full control.

Developed with Adyen and shaped by customer feedback, ToolTime Pay brings the entire payment process into one place, from invoice dispatch and payment receipt to automated reminders. Instead of cumbersome reconciliations or juggling external tools, everything now runs seamlessly within the platform.

ToolTime's development team leveraged Adyen's technical infrastructure and hands-on support. Clear API documentation and responsive teams made it a true collaboration between equals.

Today, tradespeople can accept standard payment methods such as bank transfer, credit card, and Apple Pay, all while keeping a transparent, real time overview of their finances.

We used to reconcile incoming payments and manually track outstanding invoices laboriously. Now this happens automatically, and we always have a clear overview of our finances.

Mert Torun, Owner, EMT-Elektrotechnik

The results: Automated processes save time, speed up cash flow, and improve financial oversight. 

With ToolTime Pay, craft businesses get paid faster, which is an important liquidity boost for small and medium-sized enterprises across Germany.

Every incoming payment is automatically matched to the correct invoice, with full transparency on payment method, amount, and date.

Outstanding invoices can be followed up manually or automatically, giving tradespeople more control and less hassle.

Users report saving up to eight hours per week, time previously spent on bank reconciliations, reminders, and manual follow-ups.

Automation with ToolTime Pay gives us a really good overview without having to put in a crazy amount of work, which means we're in control of our figures.

Samir Nashmi, Managing Director, Clara

For ToolTime, the launch of ToolTime Pay established it as the first tradespeople software with a fully integrated payment solution. Today, more than €2 billion in invoicing volume flows annually through the platform, demonstrating the impact of embedded payments on product growth and customer satisfaction. Automated processes and a rising share of digital payments also strengthen unit economics, fueling continuous product development.

We deliberately chose Adyen because it's one of the world's leading platforms in embedded finance, and at the same time a European company that meets the highest security, scalability, and regulatory compliance standards.

Marcel Mansfeld, Co-Founder and Chief Product Officer, ToolTime

ToolTime’s ambition is to become the digital operating system for skilled trades, bringing everything together in one seamless platform, from customer acquisition to accounting. ToolTime Pay is a cornerstone of this vision and is continuously evolving.

The company is already working on new features such as installment payments, integrating incoming invoices, Buy Now, Pay Later options, and a fully integrated business account. Beyond payments, ToolTime is also taking embedded finance a step further with capital and issuing solutions, giving customers even greater financial flexibility and control over their businesses.