NomuPay

What NomuPay does

NomuPay is a Dublin-headquartered fintech founded in 2021 that operates a unified payment platform enabling enterprises to accept payments, send payouts, manage fraud, and reconcile transactions across 40+ regulated markets through a single API integration. The platform's core architecture — the Unified Platform (uP Platform) — consolidates payment history, settlement data, approval rates, and reporting from global channels into a single dashboard. It is delivered as four primary product lines (Global Acquiring, Online Payments, Payouts, In-Store Payments) layered with add-on modules including Alternative Payment Methods (200+ methods), the Fraud & Risk Management Suite (120+ tools with machine learning-based anomaly detection), Recurring Payments, Smart Checkout, Pay By Link, and a gateway-agnostic Payment Gateway. Local acquiring licenses in 40+ jurisdictions enable domestic routing that reduces cross-border fees and improves authorization rates, supported by 230+ local experts and 180+ local currencies.

Name

NomuPay

Legal name

Nomu Pay Limited

Website

https://nomupay.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

101–250 employees

Short description

NomuPay is a Dublin-based fintech operating a unified payment platform across 40+ regulated markets, serving global e-commerce merchants, marketplaces, subscription businesses, and platform-economy clients via a single API for acquiring, payouts, and fraud management.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

PSP Aggregators / PayFac Enablement (Gateway Layer) (FSAMACAK)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment processing platform
• Global acquiring services
• Cross-border payments
• Merchant payment solutions
• Payment orchestration

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Payment Processing Fees: Transaction-based fees charged on each payment processed. Supports both Interchange++ pricing (itemised breakdown of interchange, scheme, and acquirer fees) and blended pricing models. Revenue scales with transaction volume and varies by industry risk category and payment method types.
2. Merchant Account Services: Monthly rental fees for merchant accounts and payment processing infrastructure. No set-up or cancellation fees. Additional fees may apply for high-risk merchant categories.
3. FX and Currency Conversion: Foreign exchange fees for multi-currency transactions when payouts are made in currencies different from collection currency. Transparent FX fees clearly itemised in transaction reporting.
4. Partner Referral Revenue: Revenue sharing arrangements with referral partners and ISVs who introduce merchants to the platform. Partners earn competitive revenue share for each client introduced.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

NomuPay provides a unified global payments platform that enables businesses to accept payments, send payouts, and manage transactions across 40+ regulated markets through a single API integration. The platform combines Global Acquiring (local card acceptance via direct licenses), Online Payments (e-commerce checkout with optimization), Payouts (mass multi-currency payouts), and In-Store Payments (POS, kiosks, SoftPOS), supported by modules for Alternative Payment Methods (200+), Fraud & Risk Management (120+ tools with ML), Recurring Payments, Smart Checkout, and Merchant Account provisioning.

Product overview

NomuPay is a global payments platform provider offering a unified, modular product architecture. The core offering centers on the Unified Platform, which consolidates payment history, settlement data, and reporting into a single dashboard. This platform is supported by four primary product lines: Global Acquiring (local payment acceptance), Online Payments (e-commerce), Payouts (mass payments), and In-Store Payments (POS). The solution suite includes specialized add-on modules including Alternative Payment Methods (200+ payment options), Fraud & Risk Management Suite (120+ fraud tools with machine learning), Recurring Payments (subscription billing), Smart Checkout (conversion optimization), Pay By Link (payment links), Payment Gateway (acquirer-agnostic processing), and Merchant Account services. The platform operates across 40+ regulated markets with access to 230+ local experts, 180+ local currencies, and 200+ payment methods, enabling enterprises to expand globally through a single API integration.

Differentiator

Problem solved

Functional benefit

Brands

• Unified Payments (uP) Platform: NomuPay's flagship platform that consolidates payment history, settlement data, approval rates, and more from around the world into a single interface, helping merchants manage global transactions and optimize operations.

Products and services

• Unified Platform Central all-in-one platform consolidating payment history, settlement data, approval rates, and reporting from around the world. Enables merchants to manage payments, payouts, acquiring, fraud detection, and reconciliation from a single dashboard with real-time insights.
• Global Acquiring Local acquiring solution enabling merchants to accept card payments like a local business worldwide. Features direct licenses in multiple countries, connections to 40+ local partners, and local settlements in multiple currencies to maximize approval rates and reduce cross-border fees.
• Online Payments E-commerce payment solution enabling merchants to accept online payments globally on any device. Includes Smart Checkout optimization, comprehensive compliance with Strong Customer Authentication and PCI DSS level 1, and support for popular payment methods including Visa, Mastercard, Apple Pay, and BNPL.
• Payouts Global payouts solution enabling merchants to send mass payments to sellers, drivers, freelancers, and other payees worldwide. Supports local payment methods, multi-currency settlements, and flexible payout hierarchies with real-time tracking and compliance features.
• In-Store Payments Point-of-sale payment solution for merchants operating physical retail locations. Supports multiple terminal types including attended terminals, unattended terminals (kiosks), and SoftPOS (smartphone/tablet as payment terminal), with unified reporting across all locations.
• Alternative Payment Methods (APMs) Access to 200+ local and alternative payment methods globally, including digital wallets, online banking, account-to-account payments, buy now pay later, and in-store options. Covers major methods like Visa, Mastercard, iDEAL, SEPA, AliPay, WeChat Pay, GrabPay, BLIK, and many regional payment solutions.
• Fraud & Risk Management Suite Customizable fraud prevention suite with 120+ fraud tools using machine learning to detect abnormal consumer behavior. Includes 3D Secure 2.0 authentication, AVS checks, chargeback defence, risk alerts, and real-time transaction screening across multiple markets.
• Recurring Payments Flexible billing platform for subscription payments and automated recurring billing. Features include flexible payment schedules (weekly, biweekly, monthly), network tokenization for up-to-date card details, smart rebilling, and revenue recovery tools to reduce churn.
• Smart Checkout Checkout optimization solution that reduces cart abandonment and increases authorization rates. Features include one-click payments, device optimization, local language/currency support, tokenization, smart dynamic routing, and revenue recovery tools including rebiller and account updater.
• Pay By Link Payment link solution allowing merchants to create, send, and track payment requests via SMS or email. Supports one-time and recurring payments, custom branding, 200+ payment methods, and PCI-DSS compliant processing with 3D Secure 2.0 authentication.
• Payment Gateway Acquirer-agnostic online payment gateway providing access to global acquiring banks and 200+ payment options. Features include improved success rates through re-routing, advanced fraud protection, 99.9% uptime, and support for 133+ currencies.
• Merchant Account Merchant account sourcing and provisioning service connecting merchants with acquiring banks from a global partner network. Offers account customization, secure processing, optimized revenue through pre-fund checks, easy setup, and chargeback protection through the Fraud Suite.

Quantifiable outcome

• Connect Childcare processes over £1 billion in payments annually through NomuPay
• +2 more outcomes

Named customers15 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability3 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• CardinitycoreStrategic or Co-development Partner · 2 October 2025Cardinity joined forces with NomuPay in October 2025, expanding the company's presence in Europe. Cardinity specialises in payment processing for European merchants.
• SB Payment Service Corp (SBPS) - StrategiccoreStrategic or Co-development Partner · 3 June 2025Strategic partnership for Asia-Pacific expansion, with focus on Japan market. SBPS, a SoftBank Group company, invested $40M and entered co-development alliance to combine NomuPay's global payments platform with SBPS's local market presence.
• Total ProcessingcoreStrategic or Co-development Partner · 30 November 2023Acquired in November 2023, Total Processing expanded NomuPay's acquiring capabilities and merchant base. This strategic acquisition strengthened the platform's infrastructure and market position in the UK and Europe.
• Seed GroupminorStrategic or Co-development Partner · 30 March 2023Strategic partnership for payments expansion in the UAE and Middle East region.
• ITQ DigitalminorChannel Partner/ Reseller/ DistributorE-commerce agency partner using NomuPay payments to serve their client base of online retailers.
• TechquityminorChannel Partner/ Reseller/ DistributorUK-based e-commerce agency providing NomuPay payment solutions to retail clients, enabling latest payment technologies.
• InvevominorChannel Partner/ Reseller/ DistributorReceivables management platform integrating NomuPay to help clients improve payment collection.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Stripe: Stripe is a global payment platform offering unified online payment acceptance, payouts, fraud, and developer-first APIs. It competes directly with NomuPay's Unified Platform across e-commerce, subscription, and global expansion use cases, particularly in the enterprise segment.
• Checkout.com: Checkout.com provides global payment processing, acquiring, and orchestration services via a single API, with direct licenses in multiple markets. It is a direct competitor to NomuPay's gateway-agnostic unified platform serving enterprise merchants.
• Adyen: Adyen is a global payment processor and acquirer with direct local licenses across multiple markets, offering unified online, in-store, and platform payment solutions. It is a direct competitor to NomuPay's local acquiring and unified platform proposition, especially for enterprise merchants expanding globally.
• Mollie: Mollie is a European payment service provider offering multi-method online payment acceptance, payouts, and merchant services via a single integration. It is comparable to NomuPay's European acquiring and APM offering, particularly for SMB and mid-market merchants.
• Rapyd: Rapyd is a fintech infrastructure platform providing global payment acceptance, payouts, and 900+ local payment methods through a single API. It competes directly with NomuPay's Unified Platform, particularly in emerging market coverage and payout capabilities.
• dLocal: dLocal is a payment processor focused on emerging markets, offering local payment methods and cross-border processing for global merchants. It is comparable to NomuPay's emerging market (SEA, MENA, LATAM) coverage and APM focus.
• Nuvei: Nuvei is a global payment technology company offering acquiring, payment processing, and alternative payment methods across multiple geographies. It is comparable to NomuPay's unified platform and local acquiring proposition, particularly for high-growth and emerging market merchants.

Broad incumbents

• Worldpay: Worldpay is a large incumbent global merchant acquirer and payment processor offering omni-channel payment acceptance across many geographies. It is comparable to NomuPay's acquiring and in-store payments offerings but operates at significantly larger scale and serves a broader merchant base.

Others

• Token.io: Token.io is an open banking payment infrastructure provider enabling account-to-account payments across Europe. It is a NomuPay integration partner for open banking rails, illustrating the broader ecosystem of A2A and open banking infrastructure providers that complement the unified platform.

Emerging players

• 2C2P: 2C2P is a Southeast Asia-focused payment service provider offering acquiring, payment processing, and alternative payment methods across the region. It is comparable to NomuPay's Southeast Asia expansion strategy and APM catalogue in that geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/nomupay
• Facebookfacebook.com/NomuPay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries2 records

Funding overview

Funding rounds3 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NomuPay