Fabrick
- Company typePrivate
- Founded2018
- HeadquartersMilan, Italy
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Fabrick does
Fabrick S.p.A. is a Milan-headquartered European open finance and payment orchestration company founded in 2018, serving financial institutions and enterprise merchants across Italy, the UK, and the DACH region. The company's core platform, PaymentOrchestra™, integrates payment processing, routing, and orchestration across multiple methods and providers, supplemented by acquired capabilities: UK mobile payments processor Judopay (acquired May 2023, handling over 60 million transactions annually worth more than €2 billion) and German open finance provider finAPI GmbH (75% stake acquired May 2024 from SCHUFA, serving over 350 clients). Fabrick's technology stack centers on open banking APIs, account information services, and payment initiation services, with integrations spanning the Mastercard network, Apple Pay, and ECB digital euro infrastructure development alongside Almaviva.
The company operates a hybrid revenue model combining transaction-based fees from payment processing (predominantly through Judopay) with recurring subscription and API-based revenue from open finance solutions (predominantly through finAPI). Fabrick pursues a B2B enterprise go-to-market, selling to banks, fintechs, financial service providers, and large merchants such as KFC and PaybyPhone through direct enterprise field sales and strategic channel partnerships. Geographic expansion has been executed primarily through acquisition rather than organic build-out, with the Mastercard partnership formalized in 2025 and a $42.8M strategic investment from Mastercard in 2023 (alongside a Reale Group investment in 2023) providing capital for continued pan-European consolidation.
Fabrick is privately held with 251–500 employees and no public listing. The ownership structure is opaque in the available data, with no disclosed institutional investor roster beyond the recent Mastercard and Reale Group transactions. Strategic positioning emphasizes pan-European open finance coverage, regulatory engagement through ECB digital euro initiatives, and distribution leverage from the Mastercard relationship as core differentiators against single-market competitors.
Fabrick firmographics
Firmographics- Name
- Fabrick
- Legal name
- Fabrick S.p.A.
- Website
- https://fabrick.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Fabrick industry classification
Industry- Product category
- Open Finance & Payment Orchestration
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payment Orchestration Platforms (FSAGABAA)
- akta.pro secondary industries
- Open Banking APIs & Connectivity (FSAMAFAA), Payment Gateways & Orchestration (BPAMAFAA), Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ)
Keywords
Where Fabrick is headquartered
LocationHeadquarters
- HQ city
- Milan
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Fabrick business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel
Revenue model
- Payment Processing Services: Revenue generated through transaction processing fees from digital payment services, including mobile payments, contactless payments, and digital wallet integrations. Judopay handles over 60 million transactions annually worth more than €2 billion.
- Open Finance Solutions: API-based open finance services provided to financial institutions and enterprises, enabling account information aggregation, payment initiation, and data sharing capabilities across Europe.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels2 records
Fabrick product offering
Product offeringCore offering
Fabrick provides an open finance and payment orchestration platform built around PaymentOrchestra™, enabling financial institutions and enterprise merchants to access banking data, initiate payments, and process transactions across multiple payment methods and channels across Europe. The offering is delivered through proprietary technology plus acquired capabilities: Judopay for mobile payments and finAPI for open banking APIs, serving more than 350 European open finance clients and processing over 60 million transactions annually valued above €2 billion.
Product overview
Fabrick is a European open finance company offering a platform-based portfolio consisting of its core PaymentOrchestra™ payment orchestration platform, supplemented by acquired capabilities including Judopay (UK mobile payments) and finAPI (German open finance solutions). The company provides open banking, payment processing, and embedded finance solutions across Europe.
Differentiator
Problem solved
Functional benefit
Brands
- PaymentOrchestra™: Fabrick's payment orchestration platform that integrates digital commerce and payment processing capabilities
Products and services
- PaymentOrchestra™ Fabrick's proprietary payment orchestration platform that integrates digital payment capabilities and enables payment processing across multiple channels, methods, and digital wallets. It is used by financial institutions and merchants to route and manage transactions seamlessly.
- finAPI Open Finance Platform
Companies that use Fabrick
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Fabrick technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Fabrick partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered flagship and core.
- MastercardflagshipStrategic partnership with Mastercard for payment orchestration and digital payment solutions expansion across Europe. Part of Fabrick's broader expansion strategy following acquisitions in UK and DACH regions.
- AlmavivaflagshipCollaboration on ECB digital euro app development alongside Almaviva. This strategic initiative positions Fabrick at the forefront of central bank digital currency infrastructure in Europe.
- finAPI GmbHcoreFabrick acquired 75% of finAPI GmbH from SCHUFA, a prominent German Open Finance provider. This acquisition marks Fabrick's entry into the German market and expands its presence in the DACH region, strengthening its position in Europe's open finance market. finAPI serves over 350 clients across Europe.
- JudopaycoreFabrick acquired Judopay, a UK-based mobile payments company, to enhance its payment orchestration solutions. Judopay handles over 60 million transactions annually worth more than €2 billion and continues operating under its own brand while integrating with Fabrick's PaymentOrchestra™ platform.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Fabrick competitors and assessment
Company assessmentDirect peers
- Stripe: Global payment infrastructure and orchestration platform serving enterprises and developers. Directly competes with Fabrick's PaymentOrchestra™ in payment routing and orchestration for European merchants, though Stripe operates at significantly larger scale globally.
- Adyen: European-headquartered unified payments platform providing processing, orchestration, and acquiring for enterprise merchants. Comparable to Fabrick in serving large enterprise payment needs with multi-method orchestration, though Adyen operates a much broader global footprint.
- Primer: Payment orchestration platform that lets merchants route, optimize, and unify payment methods through a single API. Closely comparable to PaymentOrchestra™ in core functionality and target customer base of enterprise merchants seeking better approval rates and reconciliation.
- Plaid: Open banking and financial data connectivity platform providing account aggregation and payment initiation APIs. Directly comparable to Fabrick's finAPI business for financial institutions and fintechs needing bank data access and A2A payment rails, primarily in the US/UK but expanding in Europe.
- TrueLayer: European open banking platform offering account information, payment initiation, and verification APIs. Closely comparable to finAPI's offering for European financial institutions and merchants building open banking-enabled experiences, with similar geographic focus on UK and EU markets.
- Tink: Open banking platform owned by Visa, providing account aggregation, payment initiation, and financial data services across Europe. Highly comparable to finAPI in open banking connectivity for banks, fintechs, and merchants, though Tink benefits from Visa's distribution scale.
Broad incumbents
- Worldline: Major European payment processor and acquirer offering a broad portfolio including merchant services, payment orchestration, and financial services. Overlaps with Fabrick's payment processing capabilities but operates at incumbent scale across more verticals and geographies.
- Visa: Global payments network operator with growing open banking and orchestration capabilities (via Tink and direct APIs). Overlaps with Fabrick in payment routing infrastructure and open banking connectivity, while also being a strategic partner/competitor dynamic given Mastercard's investment in Fabrick.
- Checkout.com: Global payment processing platform serving large enterprises with unified payment APIs and optimization tools. Comparable to Fabrick in serving enterprise merchants needing multi-method payment processing, though Checkout.com operates at larger scale globally.
Regional players
- Nexi: Italian-headquartered European payment services provider covering acquiring, issuing, and digital banking infrastructure. Comparable to Fabrick's Italian operations and broader European payment orchestration ambitions, with stronger domestic Italian market position but less focus on open banking APIs.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Fabrick social profiles
Digital presenceFabrick financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fabrick leadership team
Management profileNumber of profiles
Profiles4 records
Fabrick subsidiaries and ownership
Company hierarchySubsidiaries2 records
Fabrick funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fabrick M&A and investment
M&A and investmentM&A3 records
Investments17 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fabrick
What does Fabrick do?
Fabrick provides an open finance and payment orchestration platform built around PaymentOrchestra™, enabling financial institutions and enterprise merchants to access banking data, initiate payments, and process transactions across multiple payment methods and channels across Europe. The offering is delivered through proprietary technology plus acquired capabilities: Judopay for mobile payments and finAPI for open banking APIs, serving more than 350 European open finance clients and processing over 60 million transactions annually valued above €2 billion.
Is Fabrick a public or private company?
Fabrick is a private company. It is classified as venture growth investor backed and is currently operating.
When was Fabrick founded?
Fabrick was founded in 2018. It employs 251 to 500 people.
Where is Fabrick based?
Fabrick is headquartered in Milan, Italy, in the Europe region.
How does Fabrick make money?
Two revenue lines are on record. Payment Processing Services are the primary driver. The others are open Finance Solutions.
Who are Fabrick's main competitors?
Direct peers on record are Stripe, Adyen, Primer, Plaid, TrueLayer and Tink. Broad incumbents are Worldline, Visa and Checkout.com. Nexi is listed as a regional player.
Does Fabrick have an API?
No public API is recorded for Fabrick.
What industry is Fabrick in?
Fabrick's product category is Open Finance & Payment Orchestration. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms, with a secondary code of FSAMAFAA, Open Banking APIs & Connectivity. Its NAICS code is 5223 and its SIC code is 6199.