What does Pedram Dadgar do? Payment network operator, payments, sales

Who is Pedram Dadgar?

Pedram Dadgar, an entrepreneur from Frankfurt am Main, is a strategic adviser to Green Contracting GmbH and co-developed its heat-contracting model (heat supply, heat pumps and financing for real estate). He explains energy and economic policy daily – from power and heating costs to subsidies and the move away from cash – from the perspective of owners, businesses and consumers. As “Mr. Pay” he also advises SENZA, a payment network operator for card terminals and online payments in Germany and Austria.

Pedram Dadgar is an entrepreneur and strategist from Frankfurt am Main. His lead topic is energy and economic policy: in 2021 he co-developed a heat-contracting model now run by Green Contracting GmbH (contracting.green), and has advised the company ever since on financing, manufacturer onboarding and sales. On pedram-dadgar.de he explains daily what energy prices, the heating law, the CO₂ price, subsidies and economic-policy decisions – up to the move away from cash – actually mean for owners, businesses and consumers. Sales has been his craft since 2001: chief sales officer of MEG AG (growing the team from 40 to 750 people in three years), founder of Qualitura GmbH, Dunkin' Donuts master franchise partner in Baden-Württemberg and managing director of Hugos Frankfurt. As “Mr. Pay” he also supports SENZA (senzapay.com), 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. His standard: explain what a piece of news means for the people who ultimately pay for energy and payments.

Pedram Dadgar at a glance

• Name: Pedram Dadgar, known on social media as “Mr. Pay”
• Location: Frankfurt am Main, Germany (Mainzer Landstraße 158)
• Role: Strategic adviser to Green Contracting GmbH (energy, since 2021) and strategic consultant at SENZA (payments, since 2026), where he covers sales strategy, market positioning and partnerships
• Company: SENZA (senzapay.com), a commercial payment network operator for card terminals and online payments in Germany and Austria, operated by Sales Tik UG (haftungsbeschränkt), commercial register Frankfurt am Main local court, HRB 144543
• Field: card payments at the point of sale, online payments, network operation and B2B sales
• Timeline: in sales since 2001, in payments since 2026, daily analysis on pedram-dadgar.de since September 2026
• Profiles: LinkedIn, Instagram, X, TikTok, YouTube

What does SENZA stand for?

SENZA (senzapay.com) is a commercial payment network operator (Netzbetreiber) for card terminals and online payments in Germany and Austria. The guiding principle “Zahlen ohne Aber.” (paying with no ifs or buts) describes the business model: every cost component of card acceptance, from the merchant discount rate through the per-transaction fee to the terminal rental, is fully disclosed before a merchant signs. SENZA is operated by Sales Tik UG (haftungsbeschränkt), based in Frankfurt am Main.

What is a payment network operator?

A payment network operator connects the card terminal at the checkout with the banks and card schemes. It provides the terminal, forwards every payment for authorisation, settles the turnover and is the merchant’s point of contact. The Deutsche Kreditwirtschaft (German Banking Industry Committee) recognises only one role, “Netzbetreiber”, in its rulebook; in the market, a distinction has become established between technical network operation (data centre, routing) and commercial network operation (sales, contract, settlement, service). In Austria the term does not exist; there, the Wirtschaftskammer (Austrian Economic Chamber) and providers speak of acquirers and card networks.

What does this website do?

Every day the newsroom publishes one or two reports from European payments and from sales, each summarised in our own words, with the source and with an assessment: what does this mean for the merchant at the checkout, for the online shop, for a sales team? One sentence per report is expressly released for quotation. Analyses and quotes are reviewed by Pedram Dadgar. There is also a weekly commentary, a weekly briefing and guides on payments and sales. For newsrooms there is a press kit with photos, bio and quotes.

Editorial policy and use of AI

The news items, guides and briefings on this website are produced with AI support: software agents research sources, summarise them in their own words and draft a text. Pedram Dadgar is responsible for the choice of topics, the analysis and the quotable statement; every item lists its sources with dates. Personal experience is only described where it comes from Pedram Dadgar's own career (see career stages). Errors are corrected and marked with a date; please send notes to info@pedram-dadgar.de. For items about competitors of SENZA or Green Contracting: Pedram Dadgar works as an adviser to both companies.

Career stages

A quarter of a century in sales, from structured sales and insurance call centres to franchise restaurants and payments. Details follow the LinkedIn profile.

• since 2026 · SENZA, Frankfurt am Main: strategic consultant. Commercial payment network operator for card terminals, SoftPOS and online payments in Germany and Austria; focus on sales strategy, market positioning and partnerships.
• since 2021 · Green Contracting GmbH, Frankfurt: strategic adviser. In 2021 developed a heat-contracting model with two entrepreneurs that became Green Contracting GmbH (contracting.green); brought in more than 90 per cent of its customers through his own network and built the financing models and manufacturer onboarding.
• 2015–2021 · Hugos Frankfurt GmbH: managing director. Brought the Munich brand Hugo's to Frankfurt, alongside the Meatroom steakhouse and the Musikpark A5 club. The pandemic hit the business hard; what remained is a network across Frankfurt's business community.
• 2012–2015 · Dunkin' Donuts Baden-Württemberg: master franchise partner. Opened 13 stores between late 2012 and late 2015 and built in-house production and logistics; the network was sold to another franchise partner on 31 December 2015.
• 2008–2012 · Qualitura GmbH, Frankfurt: founder and managing director. Sold private health insurance by phone and online; reached 150 sales partners and EUR 14 million in revenue within twelve months. In 2012 the legislator extended commission clawback liability from one to five years, which made the model unviable in that form.
• 2005–2008 · MEG AG, Kassel: chief sales and marketing officer. Telephone sales of health insurance at a time when applications were still faxed; the team grew from 40 to 750 people at seven locations within 36 months, commission revenue from EUR 4 million to EUR 48 million.
• 2001–2005 · Deutsche Vermögensberatung, Kassel: head of a branch office in structured sales. Won customers without online leads or social media and was repeatedly recognised as a top seller and leader in his directorate.

Featured in

• 2025 · YouTube, Chris Schuppner channel: Skyline interview “I hired 730 salespeople in 13 months…” (German), around 60 minutes on building and recruiting sales teams · Watch the interview
• 2016 · ahgz (German hotel and restaurant trade paper): “Das Hugos geht in Frankfurt an den Start”, naming Pedram Dadgar as franchisee · Read the article

More appearances and quotes for newsrooms are in the press kit.

Contact

Email: info@pedram-dadgar.de · Phone and WhatsApp: +49 152 15255052 · LinkedIn · Instagram · TikTok · YouTube