deutsche-lb.com

What It Is

dlb – Die Leasing Beratung GmbH Co. KG is an independent leasing brokerage based in Düsseldorf, Germany. It is not positioned as a traditional payment gateway; instead, it helps manufacturers, dealers, and sellers embed “leasing” into their sales process. Its services cover sales leasing, lease calculations, contract coordination, and matchmaking with multiple leasing companies. It is suited to movable-asset transactions such as B2B equipment, machinery, commercial kitchen equipment, fitness equipment, tradespeople’s tools, vending machines, and used machinery.

Core Capabilities and Payment Perspective

From a payments/finance perspective, dlb’s core payment method is “leasing as a payment option,” especially for B2B online shops and offline sales scenarios. The website mentions free leasing payment plugins for JTL, Magento, and Shopware, allowing online stores to add a leasing option alongside conventional methods such as PayPal and credit cards. Its advantage is that it is not tied to any bank or manufacturer and works with multiple leasing companies, enabling it to match financing solutions to different customer segments. dlb Klick and Klick2Go are used for digital quotes, calculations, and process status notifications, but the text does not disclose details of any open API.

Pricing, Settlement, and Compliance

The FAQ states that dlb Klick and Klick2Go, as service extensions for manufacturers and dealers, are generally provided free of charge. However, the website does not disclose key financing costs such as leasing rates, commissions, approval fees, or early settlement fees. On settlement, only customer testimonials mention “fast invoice offsetting / quick settlement,” without specifying payout timelines. In terms of compliance, dlb describes itself as an independent Leasingmakler and says it is not affiliated with any bank or manufacturer, but it does not disclose financial licenses, regulators, or compliance certifications. Before entering into a formal partnership, businesses should further verify the contracting entity, data-processing arrangements, and financial intermediary qualifications.

Pros, Cons, and Best Fit

The strengths are its vertical specialization, relatively high level of automation, ability to reduce the burden on sales companies in handling leasing documents and contract workflows, and broader financing coverage through multiple funding partners. It can also help B2B e-commerce merchants improve conversion for high-ticket products. The drawbacks are limited transparency: pricing, risk controls, approval criteria, settlement cycles, and licensing information are not sufficiently disclosed. It is also not a general-purpose acquiring, cross-border payment, or wallet service.

Access from China and Alternatives

The source text does not provide information on access from mainland China, so this should be considered unknown. For Chinese companies targeting Germany or German-speaking B2B markets, dlb may serve as an add-on leasing payment option for equipment sales. If China-based acquiring, cross-border RMB settlement, or multi-currency payments are required, businesses should consider local payment institutions, cross-border acquiring providers, bank equipment financing, or other B2B installment solutions.