Press kit
Bio, print-quality photos, list of topics, quotable statements and a direct line to Pedram Dadgar, expert on card payments and online payments.
Contact for newsrooms
Phone and WhatsApp: +49 152 15255052 Email: info@pedram-dadgar.de Response on working days usually within two hours. Written quotes the same day, background conversations at short notice, in person in Frankfurt am Main or by video.
Short bio (to copy)
Pedram Dadgar, known on social media as “Mr. Pay”, is an entrepreneur from Frankfurt am Main and the founder of SENZA, a payment network operator for card terminals and online payments in Germany and Austria. He explains European payment developments daily from the merchant's point of view and advises companies on building sales organisations and growth.
Long bio
Pedram Dadgar is an entrepreneur and sales strategist from Frankfurt am Main; on Instagram and TikTok he appears as “Mr. Pay”. As the founder of SENZA (senzapay.com) he runs a commercial payment network operator for card terminals and online payments in Germany and Austria, whose principle “Zahlen ohne Aber.” (paying without a catch) stands for fully disclosed pricing. Before that he built sales organisations in energy, retail and services; today, with Sales Tik, he develops sales structures for mid-sized companies. On pedram-dadgar.de he comments daily on news from European payments, from EU regulation to card scheme pricing to the sales tactics of providers. His standard: explain what a piece of news actually means for the merchant at the checkout.
Topics Pedram Dadgar comments on
- Card payments at the point of sale: cost, contracts, terminals
- Online payments for merchants: payment methods, 3-D Secure, chargebacks
- EU regulation: PSD3, PSR, interchange, instant payments
- The digital euro and Wero from a merchant's perspective
- Network operators, acquirers, card schemes: who earns what
- Building sales teams, commission models and recruiting in B2B sales
- Selling payment solutions to small and mid-sized businesses
- Mandatory card acceptance and surcharging: what the draft law means for businesses
- Cash register and e-invoicing obligations: the 2027 and 2028 deadlines for retail and hospitality
- Paying AI agents (agentic payments): liability, mandates, licensing
- The EUDI wallet “d-you” and digital identity at the checkout
Quotable statements
The following sentences come from the analyses in the newsroom and may be used with the attribution “Pedram Dadgar, founder of SENZA”. Each statement links to the article with its context and sources.
“If four out of ten sales teams spend half their week in forms, that is not a diligence problem. It is a process problem, and it costs deals that could have closed the same day.”
Four out of ten B2B sales teams spend more than 40 per cent of their time on administration 21/09/2026“Pontes is infrastructure for banks, not for tills. Anyone who is sold this news as the launch of the digital euro should also recalculate the terms offered by the same person.”
The Eurosystem launches Pontes — and nothing changes at your till 21/09/2026“In retail, bureaucracy is not a mood, it is a calendar. Anyone who knows the three deadlines of the next fifteen months has halved the effort before it arises.”
Every second company names red tape as its biggest location problem — in retail something else comes first 21/09/2026“Consumers expect higher spending on the same income. At the till that does not mean more revenue, it means more small purchases — and every transaction costs the merchant the same.”
ECB survey: consumers plan to spend 3.6 per cent more on 1.0 per cent more income 20/09/2026“On peak days it is not the price per transaction that decides, but whether the terminal has a signal. A card outage in the evening peak costs more than a whole year of fees.”
Oktoberfest opening: Visa data shows what a funfair really triggers at the till 20/09/2026“A QR code on a Belgian terminal is not yet a POS rollout. Nothing changes at the German till in 2026 — but anyone signing a five-year terminal contract now is already deciding about 2027.”
Wero at the till: first terminal deployment in Belgium, broad POS launch in Germany not before 2027 20/09/2026“A loyalty programme is not a gift to the customer, it is steering of payment method choice. Anyone who attaches points to the most expensive payment method at checkout shifts costs into the merchant’s margin.”
PayPal+ launches in Germany: points for the most expensive payment method at checkout 18/09/2026“The customer no longer debates card payment, they take it for granted. If it is missing, the business does not lose the argument, it loses the sale.”
72 per cent expect to pay by card in a restaurant — the debate is missing the till 18/09/2026“An objection is not a disruption of the conversation, it is the only free piece of information the customer gives up voluntarily. Anyone who immediately argues back throws it away.”
Four customers say the same no — and mean four different things 17/09/2026“The price advantage from the Far East was never just a product price, it was a rules advantage. Brussels is now collecting on it, and German online merchants get a level starting line for the first time in years.”
EU customs reform adopted: handling fee from November, platforms become importers 17/09/2026“Retail is not arguing about the card, it is arguing about the price of the card. Anyone who mandates acceptance without also regulating the cost per payment is merely moving the bill somewhere else.”
HDE against mandatory card acceptance: no need for it — but please allow surcharging 17/09/2026“The first question to ask any provider of a paying agent is not how good its model is, but whether it holds a licence. Anyone who dodges that is not a partner.”
When an AI agent at the checkout makes its provider subject to licensing 16/09/2026
Mentions and appearances
Appearances in third-party formats, linked so they can be checked. Own channels are deliberately not listed here.
- 4 August 2025 · YouTube, Chris Schuppner’s channel · “Ich habe 730 Vertriebler in 13 Monaten eingestellt…” (Pedram Dadgar in the Skyline Interview), a long-form interview on building sales teams and recruiting, around 60 minutes · To the interview
Print-quality photos
Free of charge for editorial use, credit “Foto: Pedram Dadgar”. Clicking the image downloads the print version (3000 px, JPEG).
Latest analyses
Four out of ten B2B sales teams spend more than 40 per cent of their time on administration
The B2BEST Barometer from ECC KÖLN, synaigy and Intershop of 17 September 2026 shows: 39 per cent of the 200 wholesalers and manufacturers surveyed spend more than 40 per cent of their selling time on administrative tasks. At the same time, 74 per cent consider the risk of losing a customer to be high if an enquiry is not answered the same day.
“If four out of ten sales teams spend half their week in forms, that is not a diligence problem. It is a process problem, and it costs deals that could have closed the same day.”
The Eurosystem launches Pontes — and nothing changes at your till
On 21 September 2026 the Eurosystem launched Pontes: it allows transactions in tokenised securities to be settled in central bank money. Thirteen market participants, four DLT operators and the Bundesbank are connected, with full rollout planned for 2028. It has nothing to do with the digital euro for consumers.
“Pontes is infrastructure for banks, not for tills. Anyone who is sold this news as the launch of the digital euro should also recalculate the terms offered by the same person.”
Every second company names red tape as its biggest location problem — in retail something else comes first
On 21 September 2026 the ifo Institute published a special analysis of its business survey: 50 per cent of companies name bureaucracy as the biggest problem of Germany as a business location, energy costs 27 and labour costs 22 per cent. In retail, weak demand leads with 25 per cent — more than in any other sector.
“In retail, bureaucracy is not a mood, it is a calendar. Anyone who knows the three deadlines of the next fifteen months has halved the effort before it arises.”
ECB survey: consumers plan to spend 3.6 per cent more on 1.0 per cent more income
On 18 September 2026 the ECB published its Consumer Expectations Survey for August. Consumers in the euro area expect nominal spending to be 3.6 per cent higher over the next twelve months, but income only 1.0 per cent higher. One-year-ahead inflation expectations rise to 3.0 per cent.
“Consumers expect higher spending on the same income. At the till that does not mean more revenue, it means more small purchases — and every transaction costs the merchant the same.”
Oktoberfest opening: Visa data shows what a funfair really triggers at the till
Oktoberfest has been running since 19 September 2026. An analysis of Visa’s own transaction data from 15 September 2026 shows spending in Munich around 30 per cent higher during the 2025 Wiesn than on ordinary summer days, and almost 70 per cent higher on peak days. The number of guests paying digitally each day doubled, and card spend per payment rose by 11 per cent.
“On peak days it is not the price per transaction that decides, but whether the terminal has a signal. A card outage in the evening peak costs more than a whole year of fees.”
Wero at the till: first terminal deployment in Belgium, broad POS launch in Germany not before 2027
On 16 September 2026 the European Payments Initiative announced the first in-store use of Wero, in Belgium: a QR code on a terminal from the payment service provider Payworld, paid straight from the bank account. For Germany, EPI puts broad availability at the point of sale no earlier than 2027 — with ten million registered users in the country by now.
“A QR code on a Belgian terminal is not yet a POS rollout. Nothing changes at the German till in 2026 — but anyone signing a five-year terminal contract now is already deciding about 2027.”
Notes
Pedram Dadgar comments on issues, not on individuals. Figures are only cited with a source and a date. Statements about individual providers are based on publicly available price lists, annual reports and press releases, which are linked in every article.