What paytently. does

Paytently (legal entity Paytently PI Limited, trading as Paytently.) is a Malta-headquartered payment orchestration platform serving merchants in regulated and specialist verticals. The company operates from Sliema, Malta, with a UK regional office in London (Paymo UK Ltd), and is licensed by the Malta Financial Services Authority as a Payment Institution under the Financial Institutions Act (License No. PPI-25221). Founded in 2022, Paytently provides a single API that connects merchants to more than 60 global acquirers and over 200 local and international payment methods across 35+ markets and 23 currencies. Its product surface spans card processing (PCI DSS-secured), AI/ML-driven intelligent routing, recurring billing, open banking payments (PIS/AIS), alternative payment methods including crypto/stablecoins, digital banking services, and chargeback mitigation. Strategic integrations with Mastercard (open banking), SEON (fraud and AML), and BVNK (stablecoin settlement) extend the platform into next-generation rails alongside traditional acquiring. Paytently earns revenue primarily through transaction-based fees and take rates, with additional margin from currency conversion; pricing is contractual and not publicly disclosed, and billing is monthly. The go-to-market is an enterprise-focused direct sales motion targeting gaming/iGaming, financial services, travel, ecommerce, and digital entertainment, with a stated processed volume of €1.5bn across the platform and recognition as EGR Europe's "Best European Payments and Fraud Solutions Company" in 2026.

Name

paytently.

Legal name

Paytently PI Limited

Website

https://paytently.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Paytently is a Malta-licensed payment orchestration platform offering a single API to route transactions across 60+ acquirers and 200+ payment methods, targeting merchants in regulated verticals such as gaming, financial services, travel, ecommerce, and digital entertainment.

Ownership category

akta.pro rank

Product category

Payment Orchestration

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Card Issuing (522210)

SIC

Finance Services (6199)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Card & Alternative Payment Processing (PSPs, Acquirers, Aggregators) (MPAEALAA), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Payment orchestration platform
• Merchant acquiring services
• Alternative payment methods
• Open banking solutions
• Cross-border card processing

Headquarters

HQ city

Sliema

HQ country

Malta

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Orchestration Services: Paytently provides payment orchestration services including card processing, intelligent routing, and merchant acquiring. The company earns revenue through transaction fees and service charges as a licensed payment institution regulated by MFSA.
2. Currency Conversion: Currency exchange services using reference exchange rates plus a margin or fee for multi-currency transactions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Paytently operates a Payment Institution-licensed payment orchestration platform that unifies card processing, AI-driven intelligent routing across 60+ acquirers, 200+ alternative payment methods, Open Banking, recurring billing, digital banking, chargeback mitigation, and stablecoin settlement behind a single API. The platform is purpose-built for regulated, specialist sectors—including gaming/iGaming, financial services, travel, ecommerce, and digital entertainment—with white-glove onboarding and PCI DSS-compliant infrastructure spanning 35+ markets and 23 currencies.

Product overview

Paytently is a next-generation payment orchestration platform providing a unified suite of payment processing products designed for specialist sectors including gaming, financial services, travel, ecommerce, and digital entertainment. The platform combines card processing, intelligent AI-powered routing to 60+ acquirers, recurring payments, open banking, 200+ alternative payment methods (including stablecoins), digital banking services, and chargeback mitigation into a single integrated platform. The core architecture centers on intelligent routing that optimizes acceptance rates through ML algorithms, with add-on services like SEON-powered fraud prevention and BVNK stablecoin settlement extending the platform's capabilities for regulated and complex industries.

Differentiator

Problem solved

Functional benefit

Products and services

• Card Processing Payment card processing service that enables merchants to accept payments through major card schemes with PCI DSS security across more than 35 markets, offering industry-leading uptime and high authorisation rates as part of the Paytently orchestration platform.
• Intelligent Routing (AI Routing) AI/ML-powered payment routing that optimises acceptance rates and minimises costs by routing transactions to 60+ global acquirers using customisable rules, real-time routing strategies, and a continuously improved acceptance probability model.
• Recurring Payments Subscription and recurring billing management service providing automatic billing and one-click payments, with features designed to maximise revenue recovery and facilitate upsell opportunities for subscription-based businesses.
• Open Banking Open Banking payment solution delivered in partnership with Mastercard, enabling Payment Initiation Services (PIS) and Account Information Services (AIS) for regulated, complex ecosystems as part of the orchestration platform.
• Alternative Payment Methods (APMs) Access to 200+ local payment methods including digital wallets, bank transfers, mobile payments, and crypto payments, enabling merchants to offer preferred local payment methods in each market to broaden their customer base.
• Digital Banking Digital banking services delivered through the Paytently platform, including payment account services, direct debits, credit transfers, and card issuance, enabled by the company's MFSA Payment Institution licence.
• Chargeback Mitigation Fraud prevention and chargeback management service helping merchants reduce chargeback exposure and protect against card testing and fraudulent activity, augmented by SEON-powered real-time fraud detection and AML controls.
• Stablecoin Settlement Stablecoin-based settlement and prefunding service delivered in partnership with BVNK, allowing merchants to move capital in minutes via stablecoin on- and off-ramps, prefund fiat payouts, and settle cross-border transactions in stablecoins.

Quantifiable outcome

• €1.5bn processed volume
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• BVNKcoreTechnology or Integration · 23 April 2026Paytently partnered with BVNK to enable stablecoin-based settlement and prefunding for business customers. The integration allows merchants to move capital in minutes instead of days and provides stablecoin on and off-ramps for the first time. Merchants can prefund fiat payouts and be settled in stablecoins for cross-border transactions. This rollout is part of Paytently's broader strategy to combine traditional and next-generation payment rails within a compliant, enterprise-ready platform.
• SEONcoreTechnology or Integration · 17 February 2026Paytently partnered with SEON to deploy fraud prevention and anti-money laundering controls across its payment orchestration platform. The integration provides real-time fraud detection, risk scoring, sanctions screening, device intelligence, velocity checks, and centralized case management. By implementing fraud prevention at the orchestration layer, the partnership reduces merchant chargeback exposure, provides protection against card testing, and supports higher approval rates through cleaner transaction traffic.
• MastercardcoreTechnology or Integration · 11 September 2025Paytently and Mastercard partnered to launch an Open Banking payment solution. This next-generation solution was built for regulated, complex ecosystems, enabling open banking payment capabilities within Paytently's orchestration platform.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Primer: Primer is a payment orchestration platform providing unified API access to multiple acquirers, APMs, and optimization tools. Directly comparable to Paytently on intelligent routing, acquirer connectivity, and universal checkout positioning across multi-market merchants.
• Cellpoint Digital: Cellpoint Digital is a payment orchestration and orchestration-air platform specialist serving travel and digital merchants. Highly comparable to Paytently on the unified acquirer orchestration value prop and the APM breadth, and similar in mid-market, regulated-segment focus.
• IXOPAY: IXOPAY is a payment orchestration hub linking merchants to acquirers, PSPs, and APMs through a single API with smart routing. It is a direct competitor to Paytently at the orchestration layer, including acquirer cascading and APM coverage.
• Gr4vy: Gr4vy is a payment orchestration and vault platform offering merchants dynamic routing and acquirer management. Closely comparable to Paytently's intelligent-routing and acquirer-aggregation model, focused on mid-market and enterprise merchants.
• ProcessOut: ProcessOut provides payment orchestration, smart routing, and APM gateway services. It competes with Paytently on a similar API-first orchestration thesis, including analytics and authorization-rate uplift.

Broad incumbents

• Nuvei: Nuvei is a global payments specialist with deep penetration in iGaming and regulated verticals. Comparable to Paytently because it also serves gaming merchants with cross-border acquiring, APM routing, and orchestration-style integrations, but at materially larger scale and broader geographic reach.
• Trust Payments: Trust Payments is a global unified payments platform serving enterprise, travel, and gambling merchants with acquiring, APMs, and gateway services. Comparable to Paytently in that it competes for the same regulated, multi-vertical merchant base with bundled payments and orchestration-style flexibility.
• Adyen: Adyen is a global, large-cap payments platform providing unified acquiring, APMs, and optimization across online and in-person channels. Comparable to Paytently on the unification-of-acquirers and APM coverage value proposition, but as a broad incumbent serving all merchant segments.
• Checkout.com: Checkout.com is a global payments processor offering acquiring, APMs, and developer-led payment APIs at scale. Comparable to Paytently in that it competes for enterprise multi-market merchants with high authorization performance, though it owns acquiring rails end-to-end rather than routing across third parties.
• Worldpay: Worldpay is a large-scale global merchant acquirer and payments platform. Overlaps with Paytently in regulated gaming and travel merchants, with comparable APM breadth, but offers direct acquiring rather than orchestration across multiple third-party acquirers.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors

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

M&A

Investments

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

Frequently asked questions about paytently.