Card issuing · Europe

Does Rain work in Germany?

Partly.

Rain is limited for businesses registered in Germany: access is invite-only, in beta, restricted to part of the product set, or limited in what can be sent or received.

Limited

Source: Rain cards ↗Checked Oct 2026

What a business in Germany can use

Rain’s products, for a company incorporated in Germany.

Accept paymentsNot offered

Rain does not offer this.

Pay people abroadNot offered

Rain does not offer this.

Multi-currency accountNot offered

Rain does not offer this.

Business cardsLimited

Virtual and physical cards funded from stablecoin balances, for consumers or businesses, with issuing, processing and program management under one contract.

StablecoinsLimited

Cards settle in USDC, and users can spend from custodial or self-custodial wallets on major chains.

Yield on idle cashNot offered

Rain does not offer this.

Rain issues as a principal card network member, without a sponsor bank, and reports card programs in 100+ countries. Whether a program can launch depends on where the company and its cardholders are.

Onboarding confidence: low. Source: Rain cards. Everything about Rain

Alternatives in Germany

Other providers that serve businesses registered there.

Accept payments

Adyen Airwallex BVNK Checkout.com dLocal Payoneer PayPal Stripe Wise Business Worldpay

Pay people abroad

Adyen Airwallex BVNK Checkout.com dLocal Hyperwallet Payoneer PayPal Stripe Wise Business Worldpay Bridgelimited

Multi-currency account

Adyen Airwallex BVNK Payoneer PayPal Stripe Wise Business Bridgelimited

Business cards

Adyen Airwallex Checkout.com Payoneer Stripe Wise Business Bridgelimited

Stablecoins

BVNK Checkout.com Stripe Worldpay Bridgelimited

Yield on idle cash

Airwallex BVNK Wise Business Bridgelimited

Selling to Germany

How people there prefer to pay online.

1PayPal
2Klarna / pay by invoice
3SEPA Direct Debit
4Visa / Mastercard
5Apple Pay / Google Pay

Stablecoin rules in Germany

Low riskClear rules

A licensing regime for stablecoins is in force.

Rain’s stablecoin products are available to businesses here.

Everything about 🇩🇪 Germany →

Common questions

Does Rain work in Germany?

Partly. Rain is limited for businesses registered in Germany: access is invite-only, in beta, restricted to part of the product set, or limited in what can be sent or received.

Which Rain products can a business in Germany use?

business cards and stablecoins, with limits.

What are the alternatives to Rain in Germany?

Providers that onboard businesses registered in Germany: Stripe, Adyen, Checkout.com, PayPal, Worldpay, Airwallex, Wise Business, Payoneer and 3 more. With limits: Bridge.

Can a business in Germany use Rain for stablecoins?

Yes, according to our data. Stablecoin rules in Germany: Clear rules (low risk). MiCA has applied to stablecoins since June 2024. Issuers need an EU licence, and stablecoins without one (notably USDT) were delisted for EU users by regulated platforms. USDC and EURC are MiCA-compliant.