Payrails
Payrails is a Berlin-based fintech that provides a modular, PSP-agnostic Finance OS for payment orchestration, tokenization, reconciliation, chargebacks, and analytics, serving large global enterprise merchants across mobility, delivery, retail, hospitality, marketplaces, and SaaS verticals.
- Company typePrivate
- Founded2021
- HeadquartersBerlin, Germany
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Payrails does
Payrails GmbH is a Berlin-based fintech founded in 2021 by former Delivery Hero fintech experts Orkhan Abdullayev, Emre Talay, and Nicolas Thouzeau. The company provides a modular, provider-agnostic financial operating system — branded Finance OS — that connects payment orchestration, merchant-led tokenization, automated reconciliation, chargeback management, payouts, fraud scoring, 3DS, unified analytics, fee monitoring, and no-code workflow automation via a single API and multi-platform SDKs (iOS, Android, React Native, Web). The architecture is designed to let merchants adopt modules independently, retain ownership of network tokens across PSPs, and switch providers without re-platforming.
Payrails targets large global enterprise merchants with complex, multi-PSP and multi-geography payment stacks, with named customers spanning mobility (inDrive, Blacklane), delivery (Just Eat, Careem), marketplaces (Eneba, Vinted), retail (PUMA), hospitality/travel (Flix), loyalty (MAF), EdTech/SaaS (Preply), and mobile apps (Teknasyon). The company monetizes through enterprise SaaS subscriptions layered with usage- and transaction-based fees on orchestration, tokenization, and chargeback modules, supplemented by professional and managed services for onboarding and chargeback/reconciliation operations. Distribution runs through direct enterprise field sales and an API-first developer product, with strategic partner channels including Ecommpay and a broad PSP/APM integration ecosystem (Adyen, Stripe, Checkout.com, Klarna, Braintree/PayPal, dLocal, Unzer, Tabby, Amazon, plus 50+ alternative payment methods).
Payrails has raised $52.8M across three disclosed rounds: a $6.4M seed (Andreessen Horowitz lead, March 2022), a $14.4M seed extension (EQT Ventures lead, June 2023), and a $32M Series A (June 2025). The company has expanded operationally into Dublin (November 2025) and announced a Dubai DIFC regional headquarters (February 2026). It is layering AI capabilities — ML-powered routing, LLM-enabled analytics, agentic fee monitoring, reconciliation, and chargeback automation — on top of the orchestration platform as a forward differentiator.
Payrails firmographics
Firmographics- Name
- Payrails
- Legal name
- Payrails GmbH
- Website
- https://payrails.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Payrails is a Berlin-based fintech that provides a modular, PSP-agnostic Finance OS for payment orchestration, tokenization, reconciliation, chargebacks, and analytics, serving large global enterprise merchants across mobility, delivery, retail, hospitality, marketplaces, and SaaS verticals.
- Ownership category
- akta.pro rank
Payrails industry classification
Industry- Product category
- Payment Orchestration Software
- akta.pro primary industry
- Payment Orchestration Platforms (FSAGABAA)
- akta.pro secondary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where Payrails is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
Payrails business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS subscription for the Finance OS platform: Modular, provider-agnostic platform sold to enterprise merchants on a recurring basis; modules (orchestration, token vault, reconciliation, chargebacks, analytics, payouts, fraud) can be adopted independently or combined, supporting a land-and-expand model.
- Usage-based / transaction-based fees: Payment orchestration, network tokenization, and chargeback management are inherently tied to transaction volume processed through the platform (e.g., 3DS, retries, smart routing), implying a transaction-based component layered on top of the subscription.
- Professional services and implementation support: An onboarding team of onboarding managers and technical solution engineers supports enterprise customers through integration, configuration and go-live, suggesting professional/managed services revenue alongside the platform.
- Managed services for chargebacks and reconciliation: End-to-end dispute management, automated reconciliation and fee monitoring can be delivered as managed services in addition to software licensing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom enterprise quote based on selected modules and transaction volume |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels12 records
Payrails product offering
Product offeringCore offering
Payrails sells a modular, PSP-agnostic Finance OS that lets large global merchants orchestrate payments across multiple PSPs and alternative payment methods through a single API. The platform combines payment orchestration, network tokenization, a merchant-owned token vault, 3DS, reconciliation, payouts, chargeback management, fraud, fee monitoring, unified analytics, and no-code workflows into a unified financial operations layer for enterprise merchants.
Product overview
Payrails offers a single unified platform called the Finance OS, architected as a core orchestration layer with modular add-on capabilities. The core Finance OS provides Payment Orchestration across multiple PSPs and APMs, upon which merchants layer on Workflows, Automations, Token Vault, Network Tokenization, 3DS, Reconciliation, Payouts, Chargebacks, Unified Analytics, Fee Monitoring, and Payment Links. Together, these modules give merchants a modular, end-to-end payments stack covering acceptance, optimization, risk, and financial operations.
Differentiator
Problem solved
Functional benefit
Brands
- Payrails OS: Modular payment and financial operations platform (also referenced as 'Finance OS' on the current website).
Products and services
- Payrails Finance OS Modular, provider-agnostic financial operating system that connects payment orchestration, tokenization, reconciliation, fraud, chargebacks, payouts, and unified analytics via a single API layer for large global enterprise merchants.
- Payment Orchestration PSP-agnostic orchestration layer that routes transactions across multiple payment service providers to grow approval rates and reduce payment costs for enterprise merchants.
- Token Vault
Quantifiable outcome
- inDrive increased card payment approval rates by 11% and processed 23% more revenue via network tokens in South Africa
- +5 more outcomes
Companies that use Payrails
Customer profileNamed customers11 records
Segments6 records
Ideal customer profiles3 records
Payrails technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
AI capability8 records
Feature11 records
Payrails partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core.
- Flix (FlixBus)corePayrails and Flix partnered to centralize disputes across Flix's payment stack, standardize chargeback workflows, and bring richer payment and order context to every case using Payrails Chargebacks.
- EcommpaycoreStrategic partnership announced February 2026 to integrate the two platforms via a single API. The collaboration gives Payrails customers access to Ecommpay's acquiring services, 100+ alternative payment methods, and fraud tools, while positioning both companies to address rising merchant demand for payment orchestration, consolidated reporting, and tokenisation as payment infrastructure fragments.
- AdyencoreAdyen is one of the PSP integration setup guides in the Payrails developer documentation, allowing merchants to configure Adyen as a downstream PSP within the Payrails orchestration layer; Adyen is also listed as a data source for analytics.
- StripecoreStripe is a first-class PSP integration in Payrails, with a dedicated integration setup guide, support for chargeback management workflows, and inclusion as a data source for unified analytics.
- Checkout.comcoreCheckout.com is a first-class PSP integration in Payrails, with a dedicated integration setup guide, support for chargeback management workflows, and inclusion as a data source for unified analytics.
- KlarnacoreKlarna is integrated as both a payment method and PSP within Payrails, with a dedicated integration setup guide, support for chargeback management, and inclusion as a data source for unified analytics.
- Braintree (PayPal)coreBraintree/PayPal is a first-class PSP integration in Payrails, with a dedicated integration setup guide and inclusion as a data source for unified analytics.
- dLocalcoredLocal is a first-class PSP integration in Payrails, with a dedicated integration setup guide for emerging-market payment processing.
- UnzercoreUnzer is a first-class PSP integration in Payrails, with a dedicated integration setup guide.
- TabbycoreTabby is integrated as a payment method within Payrails' payment methods setup, with a dedicated integration setup guide.
- Amazon PaycoreAmazon Pay is integrated as a payment method within Payrails, with a dedicated integration setup guide.
Scale indicators15 records
Recent moves8 records
Expansion highlights7 records
Payrails competitors and assessment
Company assessmentDirect peers
- Primer: Primer is a payment orchestration platform that lets merchants route, retry, and reconcile transactions across multiple PSPs and APMs via a unified API. It is the closest direct competitor to Payrails' Finance OS, targeting global enterprise merchants with similar modular orchestration, tokenization, and unified analytics capabilities.
- Spreedly: Spreedly provides payment orchestration and a vault for tokenizing, storing, and routing payment methods across PSPs. It directly competes with Payrails on merchant-owned tokenization, PSP-agnostic orchestration, and unified payment infrastructure for enterprise merchants.
- Gr4vy: Gr4vy is a cloud-based payment orchestration platform that enables merchants to optimize and route transactions across multiple PSPs. It targets enterprise and mid-market merchants with a similar no-code, API-first orchestration value proposition to Payrails.
- Cellpoint Digital: Cellpoint Digital provides a payment orchestration and optimization platform serving global merchants in travel, retail, and marketplaces. Its focus on multi-PSP routing, APM enablement, and unified analytics overlaps directly with Payrails' Finance OS.
- Solidgate: Solidgate is a payment orchestration and optimization platform serving enterprise merchants, particularly in digital goods and subscription verticals. It competes with Payrails in multi-PSP routing, chargeback management, and subscription payment optimization.
- Basis Theory: Basis Theory provides a tokenization and payments data vault that lets merchants securely store and route payment credentials, similar to Payrails' Token Vault and network tokenization modules. It serves enterprise developers with PCI-compliant credential management and PSP-agnostic payment data infrastructure.
Emerging players
- ProcessOut: ProcessOut is a payment orchestration and monitoring platform that helps merchants route transactions and analyze PSP performance. It overlaps with Payrails on orchestration, analytics, and APM enablement, but with a narrower enterprise footprint.
Broad incumbents
- Stripe (Orchestration / Connect): Stripe is a global PSP that increasingly embeds orchestration, tokenization, and Connect-based payment infrastructure for platforms. While not a pure-play orchestrator, its expanding native capabilities position it as a broad incumbent that Payrails must integrate with — and compete against — for enterprise orchestration spend.
- Adyen: Adyen is a global enterprise PSP that provides unified commerce, tokenization, and increasingly in-house optimization and analytics. Adyen is both a critical integration partner for Payrails and a broad incumbent whose expanding native capabilities could erode demand for third-party orchestration.
Regional players
- Akurateco: Akurateco is a payment orchestration and white-label platform primarily serving merchants and PSPs across EMEA and CIS. It overlaps with Payrails in multi-PSP routing and unified management, but with a regional rather than global enterprise focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Payrails social profiles
Digital presencePayrails compliance and trust
Trust signalCompliance2 records
Payrails financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payrails leadership team
Management profileNumber of profiles
Profiles6 records
Payrails funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payrails M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Payrails
What does Payrails do?
Payrails sells a modular, PSP-agnostic Finance OS that lets large global merchants orchestrate payments across multiple PSPs and alternative payment methods through a single API. The platform combines payment orchestration, network tokenization, a merchant-owned token vault, 3DS, reconciliation, payouts, chargeback management, fraud, fee monitoring, unified analytics, and no-code workflows into a unified financial operations layer for enterprise merchants.
Is Payrails a public or private company?
Payrails is a private company. It is classified as venture growth investor backed and is currently operating.
When was Payrails founded?
Payrails was founded in 2021. It employs 101 to 250 people.
Where is Payrails based?
Payrails is headquartered in Berlin, Germany, in the Europe region.
How does Payrails make money?
Four revenue lines are on record. SaaS subscription for the Finance OS platform is the primary driver. The others are usage-based / transaction-based fees, professional services and implementation support and managed services for chargebacks and reconciliation.
Who are Payrails's main competitors?
Direct peers on record are Primer, Spreedly, Gr4vy, Cellpoint Digital, Solidgate and Basis Theory. ProcessOut is listed as an emerging player. Broad incumbents are Stripe (Orchestration / Connect) and Adyen. Akurateco is listed as a regional player.
Does Payrails have an API?
Yes. Payrails exposes a public REST API documented at docs.payrails.com covering payment orchestration, payment methods, fraud scoring, tokenization, and reporting. Code examples in the documentation are provided in Python, Go, and Shell. The platform also supports iOS, Android, React Native, and Web SDKs for client integration. Developer documentation is at docs.payrails.com.
What industry is Payrails in?
Payrails's product category is Payment Orchestration Software. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms, with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure.