What PPRO does

PPRO is a London-headquartered fintech operating a local payments platform that enables Payment Service Providers (PSPs) and merchants to access over 30 local payment methods globally through a single API connection. The platform serves two primary customer segments — PSPs that resell PPRO's infrastructure to their merchant bases (e.g., PayPal, Stripe, Global Payments) and direct enterprise merchants expanding internationally (e.g., Temu, Adobe, Microsoft, TeamViewer, CTS EVENTIM, Nubank) — with operations across Europe, LATAM, North America, and APAC supported by regulated entities in the UK (FCA), Luxembourg (CSSF), and six LATAM jurisdictions. The technology stack is anchored by the proprietary girogate payment gateway with a SIMPLE uniform API interface and Girolink onboarding API, organized into three modules — Activate, Accept, and Manage Local Payments — supported by a Developer Hub, PPRO Dashboard, and the proprietary Almanac market intelligence resource. Revenue is generated through a multi-stream model comprising per-transaction fees (with base fee rates and tiered pricing), one-time merchant setup fees, monthly minimum fees, holdback/reserve fees for chargeback risk, and administrative fees for specific services, all governed by individual Payment Services Agreements under FCA and CSSF regulatory frameworks.

The company's go-to-market combines direct enterprise field sales with a PSP channel model that multiplies distribution reach, supplemented by event participation (MPE, Money20/20) and partner co-marketing with major brands. Strategic positioning targets the structural problem that 82% of e-commerce payments are made with local payment methods representing over three-quarters of an $11.5 trillion global industry — addressing cross-border checkout friction through a build-once, scale-continuously model that eliminates the need for businesses to maintain multiple integrations with regional payment schemes. PPRO holds ISO 27001:2022 certification, PCI DSS compliance, and operates with documented 99.95% system availability.

Name

PPRO

Legal name

PPRO Holding GmbH

Website

https://ppro.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

251–500 employees

Short description

PPRO is a London-based fintech operating a B2B local payments platform that enables PSPs and merchants to access 30+ regional payment methods globally through a single API. It serves enterprise PSPs (PayPal, Stripe, Citi) and large merchants (Temu, Adobe, Microsoft, Nubank) across Europe, LATAM, North America, and APAC.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices13 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: PPRO charges fees per submitted transaction as specified in individual Payment Services Agreements. Fees are deducted from aggregate settlement amounts remitted to contractual partners. PPRO also charges Base Fee Rates (minimum Merchant Service Charge per transaction) and tiered pricing based on payment method selection.
2. Merchant Setup Fees: A fixed one-time setup fee is charged upon execution of the agreement. Additional fees apply for each payment method added beyond the Payment Method Allowance.
3. Monthly Minimum Fees: A minimum fee per calendar month is charged to contractual partners. If fees generated from actual utilization do not reach the Monthly Minimum Fee threshold, the shortfall is charged. This is separate from setup fees and Base Fee Rates.
4. Holdback and Reserve Fees: PPRO retains a percentage of the contractual partner's total processing volume (Holdback) as security for certain payment methods with chargeback and fraud-related risk. Additional reserves may be required for high-risk industries or regions.
5. Administrative and Incident Fees: Fees for specific actions including bank wire transfer payouts (EUR 10.00 per payout), authority/bank/police inquiries (EUR 50.00 per incident), balance inquiries (EUR 50.00 per request), and fraud investigation minimum administrative fees (EUR 100.00 per transaction plus recovery of transaction losses).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

PPRO operates a local payments platform that enables payment service providers (PSPs) and merchants to access, accept, and manage over 30 local payment methods globally through a single API connection. The platform processes transactions via the proprietary PPRO Payment Gateway (girogate) with a SIMPLE uniform interface, supports regional payment methods such as Swish, MB WAY, BLIK, Pix, NuPay, Cash App Pay, Wero, and Scalapay, and is licensed by FCA (UK) and CSSF (Luxembourg). PPRO charges per-transaction fees, monthly minimums, one-time setup fees, and administrative fees under individual Payment Services Agreements.

Product overview

PPRO is a leading local payments platform offering a unified solution for PSPs and merchants to access, accept, and manage local payment methods globally. The platform architecture consists of three core modules: Activate Local Payments (enabling access to regional payment methods), Accept Local Payments (transaction processing and optimization), and Manage Local Payments (money flow management). Supporting infrastructure includes the PPRO Dashboard for client management, Developer Hub for API integration, and PPRO Almanac for market insights. The Buy Now Pay Local solution provides BNPL integration across Europe. PPRO operates across three regional structures: Europe (UK/FCA and Luxembourg/CSSF regulated entities), LATAM (managed by Berlin-based GmbH with country-specific entities in Argentina, Brazil, Chile, Colombia, Mexico, and Peru), and North America (USA). The platform integrates over 30 local payment methods including Swish, MB WAY, BLIK Pay Later, Pix, NuPay, Cash App Pay, Wero, and Scalapay. PPRO is trusted by major global brands including PayPal, Stripe, Citi, and Global Payments.

Differentiator

Problem solved

Functional benefit

Products and services

• PPRO Local Payments Platform Core local payments platform that enables PSPs and merchants to access, accept, and manage over 30 local payment methods globally through a single API connection (PPRO Payment Gateway / girogate with SIMPLE API interface). Customers include PayPal, Stripe, Citi, Adobe, Microsoft, JPMorgan Chase, Global Payments, TeamViewer, Temu, APEXX, and Alipay.
• Buy Now Pay Local (BNPL Solution) Unified BNPL integration product enabling merchants and PSPs to access locally preferred Buy Now, Pay Later providers across Europe through a single integration, including BNP Paribas Floa, Scalapay, and BLIK Pay Later. Documented outcomes include 48% AOV increase, 11% conversion improvement, and 63% repurchase within three months with Scalapay.
• PPRO Payment Gateway (girogate) Proprietary electronic commerce payment gateway with SIMPLE uniform interface for processing transactions and connecting to local payment methods. Supports redirect payment methods, settlement files, processing files, and integrates with PPRO's Girolink onboarding API. Operated under FCA (UK, FRN: 900029) and CSSF (Luxembourg, Z00000022) regulatory oversight with 99.95% system availability SLA and PCI DSS compliance.
• PPRO Dashboard Client portal for managing payments, monitoring transactions, and accessing reporting and analytics features for merchants and PSPs using PPRO's local payments platform.

Quantifiable outcome

• Merchants offering Scalapay BNPL through PPRO can increase average order value by 48%, improve conversion rates by 11%, and drive repeat purchases with 63% of users repurchasing within three months.
• +3 more outcomes

Named customers14 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability2 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core.

• PayPalcoreTechnology or Integration · 23 June 2026PPRO and PayPal have a long-standing technology partnership in which PPRO provides its local payment infrastructure to integrate over 30 additional local payment methods into PayPal's global payments platform. The expansion includes Swish (Sweden), MB WAY (Portugal), BLIK Pay Later (Poland), and Pix (Brazil), targeting cross-border e-commerce friction reduction within Europe's €359 billion international e-commerce market. This collaboration brings together PayPal's global payments network and PPRO's expertise in local payment infrastructure.
• Coinbase (Stablecoin Payments)coreTechnology or Integration · 27 May 2026PPRO and Coinbase announced a strategic collaboration to bring stablecoin payments to merchants, enabling new digital currency payment capabilities within PPRO's local payments infrastructure.
• NubankcoreTechnology or Integration · 20 May 2026PPRO partnered with digital banking giant Nubank to provide global merchants and payment service providers access to NuPay, Nubank's native payment method. The integration connects merchants to Nubank's 115+ million customer base in Brazil (over 62% of Brazil's adult population), enabling single-click or biometric authentication transactions that bypass traditional card rails, improve approval rates, and reduce chargebacks. The partnership reflects a shift toward instant account-to-account payments in Latin American fintech.
• Cash AppcoreTechnology or Integration · 19 March 2026PPRO integrated Cash App Pay into its platform for US merchants and payment service providers. The integration connects businesses in PPRO's network to Cash App's 58 million monthly active users (Q3 2025), including Millennials, Gen Z, and higher-income demographics. The move targets the estimated 47 million Americans with subprime credit scores, addressing demand for non-credit payment solutions and helping merchants reduce checkout abandonment.
• CoinbasecoreTechnology or Integration · 13 March 2026Coinbase partnered with PPRO to integrate Poland's BLIK mobile payment system, making crypto accessible to nearly 20 million Polish users under its EU MiCA license. The expansion leverages Coinbase's MiCA license secured in June 2024, allowing operation across the European Union amid Poland's ongoing crypto regulatory landscape.
• ScalapaycoreTechnology or Integration · 2 February 2026PPRO partnered with BNPL specialist Scalapay to expand access to Buy Now, Pay Later services across Southern Europe covering France, Belgium, Spain, Portugal, and Italy. The partnership enables merchants and PSPs on PPRO's platform to offer Scalapay's three and four-installment payment solution. Documented results show 48% increase in average order value, 11% improvement in conversion rates, and 63% of users repurchasing within three months.
• BLIK / Polski Standard Płatności (PSP)coreTechnology or Integration · 27 November 2025PPRO integrated BLIK Pay Later into its platform to support online merchants in Poland, enhancing adoption of BNPL solutions among Polish consumers. The BNPL market in Poland recorded PLN 6.3 billion in transaction value in the first half of 2025, with nearly 1.5 million consumers actively using BLIK Pay Later. More than 55% of new BNPL users are under 24 years old.
• European Payments Initiative (EPI)coreTechnology or Integration · 5 November 2025PPRO partnered with the European Payments Initiative (EPI) to provide customers with a comprehensive route to access Wero, the first European-born digital payment wallet. Wero grew to over 45 million European users in just 15 months and enables instant account-to-account payments in under 10 seconds. PPRO's platform supports Wero payment flows as they are introduced across European markets.
• WerocoreTechnology or Integration · 5 November 2025PPRO enabled Wero for CTS EVENTIM, Europe's largest ticketing provider, marking the debut of the European-born digital payment solution in the live entertainment sector. Wero integration facilitates secure, quick bank-based transactions for ticket purchases across concerts, theatre shows, and sports events, with phased introduction across Germany and broader Europe.
• TemucoreTechnology or Integration · 25 September 2025PPRO partnered with Temu, the global online marketplace operating in more than 90 markets, to bring preferred local payment methods to millions of European consumers. Through PPRO's platform, Temu customers can pay using their preferred local methods, reducing cart abandonment (10% of online purchases abandoned when preferred payment option unavailable) and increasing acceptance rates. PPRO enables Temu to access a broad portfolio of local payment methods through a single integration.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Stripe: Global payments platform that also offers local payment method support and embedded financial services. Both PPRO and Stripe enable merchants and platforms to accept payments online, with Stripe increasingly competing in the local APM space that PPRO pioneered.
• Adyen: Global payments platform offering unified online, mobile, and in-store payment processing with broad local payment method coverage. Adyen is the closest direct competitor to PPRO at the enterprise/PSP tier, and notably the source of PPRO's new CTO and CPO hires.
• Checkout.com: Cloud-based payments provider offering global payment processing with local payment method coverage across Europe, LATAM, and other regions. Directly competes for PSP and enterprise merchant relationships that PPRO targets.
• dLocal: Cross-border payments platform focused specifically on emerging markets including LATAM, Africa, and Asia. Competes with PPRO for LATAM payment processing volume and shares key local methods such as Pix and Boleto.
• Nuvei: Global payment technology provider offering local payment method acceptance, acquiring, and alternative payment methods across Europe, LATAM, and APAC. Directly comparable in scope of local APM coverage and target market.

Broad incumbents

• Worldpay: Large incumbent payment processor offering global acquiring and local payment acceptance as part of a broader commerce portfolio. PPRO's CFO previously held a global pricing role at Worldpay, indicating industry overlap.
• PayPal (Braintree): Global payments giant that is both a PPRO customer (integrating 30+ local methods through PPRO) and a potential competitor through its own Braintree platform. The dual customer/competitor dynamic shapes PPRO's strategic positioning.
• ACI Worldwide: Established real-time payments and banking software provider with merchant payment processing capabilities across global markets. Competes at the enterprise tier for bank and large merchant relationships.

Emerging players

• Mollie: European payment service provider offering multi-method payment processing with strong local payment coverage in EU markets. Comparable mid-market PSP-focused proposition competing for some of PPRO's PSP and merchant customers.
• Payoneer: Cross-border payments platform serving SMBs, marketplaces, and freelancers with multi-currency and local payment method capabilities. Overlaps with PPRO in cross-border e-commerce payment infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries12 records

Funding overview

Funding rounds8 records

Investors11 records

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

M&A3 records

Investments2 records

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

Frequently asked questions about PPRO