Fabrick

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.

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

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

• Open finance platform
• Payment orchestration
• Open banking APIs
• Digital payments infrastructure
• Embedded finance solutions

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel

Revenue model

1. 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.
2. 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

Core 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

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered flagship and core.

• MastercardflagshipStrategic or Co-development Partner · 1 January 2025Strategic 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.
• AlmavivaflagshipStrategic or Co-development Partner · 1 January 2025Collaboration 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 GmbHcoreStrategic or Co-development Partner · 22 May 2024Fabrick 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.
• JudopaycoreStrategic or Co-development Partner · 17 May 2023Fabrick 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

Direct 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

• Xx.com/fabricdotcom
• Facebookfacebook.com/fabriccom
• LinkedInlinkedin.com/company/fabrickfinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds2 records

Investors2 records

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

M&A3 records

Investments17 records

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

Frequently asked questions about Fabrick