Runa
Runa is a London-based fintech founded in 2016 that provides unified digital payouts infrastructure via a single API, enabling B2B platforms to send gift cards, prepaid cards, and push-to-card payments across 190+ countries.
- Company typePrivate
- Founded2016
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Runa does
Runa is a London-based global fintech founded in 2016 that provides unified digital payouts infrastructure for businesses. The company operates a B2B platform-as-a-service model enabling enterprises to send instant digital value payments — including gift cards, prepaid cards, and push-to-card bank transfers — to recipients across 190+ countries and 160+ currencies through a single API integration. Its core technology stack consists of Runa Send (primary payout platform), Runa Network (5,000+ payout endpoints, including 3B+ accessible bank accounts), Runa FX (24/7 currency conversion across 18+ funding currencies), Runa Assure (security and fraud prevention), and Runa Shop (white-label gift card marketplace), underpinned by direct integrations with Visa Direct and Mastercard Send and certifications including PCI-DSS Level 1, ISO 27001, GDPR, PSD2 SCA, and SAQ A 4.0.
Runa generates revenue primarily through transaction-based fees on payouts processed, with usage-based pricing for its Payout Link product ($0.10 per issuance code) and quote-based enterprise pricing. The go-to-market targets vertical-specific B2B platforms across fintech, banking, HR tech, employee engagement, gaming, loyalty, direct selling, gig economy, influencer/affiliate marketing, and market research. Its enterprise motion combines API-first integration with dedicated account management, while mid-market customers access the platform through a self-serve portal. Named customers include YuLife, Vodafone, Pluxee, Perkbox, TopCashback, Sweatcoin, Halfords, Tradedoubler, Dynata, YouPay, and Ohme. The company has raised approximately $50.3 million across multiple rounds from investors including Element Ventures, AlbionVC, SAP.iO, CommerzVentures, Clocktower Ventures, and 13books Capital, and has grown its team from 10 to roughly 120 employees since 2019.
Runa firmographics
Firmographics- Name
- Runa
- Legal name
- Runa
- Website
- https://runa.io
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Runa is a London-based fintech founded in 2016 that provides unified digital payouts infrastructure via a single API, enabling B2B platforms to send gift cards, prepaid cards, and push-to-card payments across 190+ countries.
- Ownership category
- akta.pro rank
Runa industry classification
Industry- Product category
- Global Payouts Infrastructure
- NAICS
- Payroll Services (541214), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
- akta.pro secondary industries
- Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC), Instant Payouts & Earned Wage Access (EWA) (FSAMAKAM), Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI), Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)
Keywords
Where Runa is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Runa business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction-based Payout Fees: Runa charges fees based on payout volume and type. Pricing is transparent with no setup fees, no minimums. Transaction fees are assessed per payout sent, with competitive rates for gift cards, prepaid cards, and push-to-card options.
- Payout Link Issuance: For Payout Link product, packages start at no monthly fees with $0.10 per issuance code. Provides low-cost entry point for sending open-balance payouts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transparent transaction-based pricing |
| Usage-based | Pay-as-you-go | Payout Link usage-based pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Runa product offering
Product offeringCore offering
Runa operates a cloud-native global payouts platform that enables businesses to send digital value payments (gift cards, prepaid cards, and direct-to-card transfers) to recipients in 190+ countries and 160+ currencies through a single API integration. The platform unifies 5,000+ payout endpoints with real-time FX conversion, fraud protection, and compliance tooling, replacing fragmented vendor stacks with one payouts infrastructure.
Product overview
Runa is a global payments platform offering a unified portfolio of payout products centered on its core Runa Send platform and Runa Network. The architecture consists of multiple payout methods including Gift Cards and Runa Prepaid Cards (available as single-load Runa Reward Prepaid or reloadable Runa Reload Prepaid variants), Push to Card for direct bank transfers, and Payout Link for recipient choice. Supporting infrastructure includes Runa FX for currency conversion, Runa Assure for security, and Treasury Hub for balance management. Runa Shop provides a white-label gift card marketplace. All products are accessible through a single API integration, enabling businesses to send digital payouts across 190+ countries in 160+ currencies.
Differentiator
Problem solved
Functional benefit
Brands
- Runa Send: Platform for instant global payouts via gift cards, prepaid cards, or direct-to-card payments
- Runa Shop
- Runa Push to Card
- Runa Prepaid
- Runa Assure
- Runa FX
- Runa Payout Link
- Treasury Hub
Products and services
- Runa Send Core platform product for sending instant global payouts to recipients anywhere via gift cards, prepaid cards, or direct-to-card payments. Offers API or Portal access with real-time delivery and currency conversion, targeting B2B platforms in fintech, HR tech, gaming, and loyalty.
- Runa Shop White-label gift card marketplace platform that lets businesses create branded gift card storefronts in 24 hours without code, featuring 5,000+ merchant gift card options across 45 countries. Designed for businesses wanting to embed a branded gift card storefront for their customers.
- Runa Network Universal payout network unifying 5,000+ payout options (gift cards, prepaid cards, direct-to-card payments) across 190+ countries and 160+ currencies through a single integration. Serves as the connectivity backbone behind Runa Send.
- Runa Prepaid Cards Flexible, reloadable Visa and Mastercard prepaid cards customizable to program requirements. Available as Runa Reward Prepaid (single-load, one-time) and Runa Reload Prepaid (recurring programs). Sends $1-$5,000 instantly with 3- or 6-month validity, spendable anywhere Visa is accepted globally.
- Runa Push to Card Instant fund transfers to bank accounts in 190+ countries powered by Visa Direct and Mastercard Send. Supports fund-in in 18 currencies with real-time delivery available 24/7, with multi-currency support and enhanced security features.
- Runa Payout Link Secure URL-based payout mechanism requiring only a recipient email address. Allows recipients to choose how to redeem funds across the Runa Network, with support for splitting balance across currencies, brands, and payout types without needing bank details from recipients.
Quantifiable outcome
- 99.4% redemption rate within 30 days for loyalty platform payouts
- +7 more outcomes
Companies that use Runa
Customer profileNamed customers17 records
Segments8 records
Ideal customer profiles8 records
Runa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
Runa partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- ResalcoreStrategic partnership at Money20/20 Middle East enabling Pay to Card payouts across 60+ global markets. Resal is a Saudi fintech company that also launched Resal Pay for redeeming loyalty points and an API-powered micro-loan solution for embedded finance targeting MENA market.
- Visa DirectcoreStrategic integration powering Push to Card instant fund transfers to bank accounts. Enables global push-to-card payouts in 190+ countries.
- Mastercard SendcoreStrategic integration powering instant fund transfers to Mastercard accounts. Complements Visa Direct for global card payout coverage.
- Sutton BankcorePartner bank for issuing Visa prepaid cards. Sutton Bank is Member FDIC and issues cards pursuant to Visa U.S.A. Inc. license.
Scale indicators11 records
Expansion highlights6 records
Runa competitors and assessment
Company assessmentBroad incumbents
- PayPal Payouts: PayPal offers mass payouts APIs (PayPal Payouts) as part of its much broader payments and wallet platform. Overlaps with Runa for marketplace, gig, and creator payouts globally but is a generalist incumbent rather than a payouts specialist.
- Blackhawk Network: Blackhawk Network is a large established gift card and payments network operator offering branded gift cards, incentive solutions, and payout distribution. Overlaps with Runa on gift card and incentive payout rails but serves a broader retail and B2B2C portfolio.
- Adyen for Platforms: Adyen offers platform-based payment and payout capabilities as part of its global enterprise payments platform. Comparable to Runa on cross-border payment infrastructure and platform serving, though Runa specializes more in disbursement/recipient choice rather than acceptance.
- Plaid: Plaid provides financial data and payment infrastructure APIs (including Plaid Transfer) used by platforms to move money. Adjacent competitor to Runa in the fintech infrastructure layer, particularly for bank-based payouts and account verification.
- Stripe Connect: Stripe Connect provides platform-driven payouts and money movement as part of Stripe's broader payments stack. A direct competitor to Runa for marketplace and SaaS platform payouts, but embedded within a much larger general-purpose payments franchise.
Direct peers
- Modern Treasury: Modern Treasury offers money movement APIs for payouts, receivables, and treasury operations aimed at fintechs and platforms. Comparable to Runa in addressing platform-led payout flows with developer-first infrastructure.
- Tipalti: Tipalti provides mass payouts, AP automation, and global supplier/affiliate payments infrastructure for B2B platforms. Comparable to Runa in serving platform businesses with cross-border payout complexity, FX, and compliance needs.
- Tremendous (formerly Tango Card): Tremendous is a direct competitor offering a global payouts platform for gift cards, prepaid cards, and ACH/PayPal disbursements aimed at B2B platforms. Like Runa, it targets rewards, incentives, and gig/creator payout use cases with an API-first model and broad global coverage.
- Marqeta: Marqeta is a card-issuing and push payments API platform powering modern card programs. Comparable to Runa in providing API-first card/payment infrastructure, particularly on the Push-to-Card side of Runa's offering.
Emerging players
- BitPay: BitPay offers crypto and fiat payouts infrastructure including gift cards and global disbursements. Comparable to Runa on global payouts and gift card endpoints, but with a crypto-native angle, making it an emerging alternative in cross-border disbursement.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Runa social profiles
Digital presenceRuna compliance and trust
Trust signalCompliance7 records
Runa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Runa leadership team
Management profileNumber of profiles
Profiles7 records
Runa funding detail
Funding detailFunding overview
Funding rounds7 records
Investors26 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Runa 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 Runa
What does Runa do?
Runa operates a cloud-native global payouts platform that enables businesses to send digital value payments (gift cards, prepaid cards, and direct-to-card transfers) to recipients in 190+ countries and 160+ currencies through a single API integration. The platform unifies 5,000+ payout endpoints with real-time FX conversion, fraud protection, and compliance tooling, replacing fragmented vendor stacks with one payouts infrastructure.
Is Runa a public or private company?
Runa is a private company. It is classified as venture growth investor backed and is currently operating.
When was Runa founded?
Runa was founded in 2016. It employs 101 to 250 people.
Where is Runa based?
Runa is headquartered in London, United Kingdom, in the Europe region.
How does Runa make money?
Two revenue lines are on record. Transaction-based Payout Fees are the primary driver. The others are payout Link Issuance.
Who are Runa's main competitors?
Broad incumbents on record are PayPal Payouts, Blackhawk Network, Adyen for Platforms, Plaid and Stripe Connect. Direct peers are Modern Treasury, Tipalti, Tremendous (formerly Tango Card) and Marqeta. BitPay is listed as an emerging player.
Does Runa have an API?
Yes. Runa Platform API - a modern payouts API for fast, seamless digital value payments at scale. Enables sending digital payouts including virtual prepaid cards, bank transfers, and gift cards to recipients in 190+ countries. Supports fund in 18+ currencies, push-to-card, gift cards, prepaid cards, and real-time currency conversion via Runa FX. Integration available through no-code Portal or API with real-time delivery. Developer documentation is at developer.runa.io.
What industry is Runa in?
Runa's product category is Global Payouts Infrastructure. Its primary akta.pro industry code is FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure, with a secondary code of FSAGAKAC, Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace). Its NAICS code is 541214 and its SIC code is 7370.