What Omnio does

Omnio is a London-headquartered fintech founded in 2018 that provides a cloud-native, API-first embedded finance platform for enterprise brands. The company combines payment issuing, identity verification (KYC/AML), a loyalty engine, a card-linked offers network, and an AI-powered intelligence layer under a single regulated stack, supported by a UK FCA Electronic Money Institution licence, Visa Principal Membership, and PCI DSS Level 1 certification. Omnio supports open-loop, closed-loop, and hybrid-loop transaction architectures on the same platform, with no new hardware required at the point of sale.

The product portfolio is structured as four modular products — Branded Payments, Loyalty Engine, Rewards & Card-Linked Offers, and Platform Compliance — augmented by the Omnio Intelligence Portal, Omnio AI (predictive churn, next-best-action, anomaly detection), and Omny, a GenAI conversational rewards assistant. Omnio targets seven enterprise verticals: Fuel & Convenience, Travel & Hospitality, Large Retail, Transport Networks, Subscriptions & Digital, Stadiums & Events, and Postal & Public Services. Named customers include Poste Italiane, Zalando, lastminute.com, Mooney, Volagratis, SW (Swiss group), Doconomy, and An Post.

The business operates a phase-gated enterprise sales model with custom multi-year contracts; revenue is generated through platform/SaaS fees, interchange on open-loop transactions, float on pre-loaded wallet balances, and merchant-funded commissions on card-linked offer redemptions. The company is majority-owned by private equity firm Achilles Capital following an August 2025 balance sheet restructuring that converted over €30 million of debt into equity. Operational entities include Omnio Group Limited (UK) and Omnio Europe S.p.A (Italy), with EU passporting via the Italian EMI licence in progress.

Name

Omnio

Legal name

Omnio Group Limited

Website

https://omnio.global

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Omnio is a UK-headquartered embedded finance platform providing enterprise brands with branded payments, loyalty engine, card-linked rewards, and AI-powered intelligence under a regulated EMI and Visa Principal licence, serving verticals including fuel, travel, retail, transport, subscriptions, stadiums, and postal services.

Ownership category

akta.pro rank

Product category

Embedded Finance Platform

NAICS

Credit Card Issuing (52221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

akta.pro secondary industries

Card Issuing & Program Management Platforms (BPAMAFAH), Embedded Wallets (Platforms & Marketplaces) (FSAMAEAM)

Keywords

• Embedded finance platform
• Branded payment issuing
• Loyalty engine software
• Card-linked offers
• Payment infrastructure API

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform / SaaS Fees: Omnio charges a net platform fee to brands for access to its modular financial infrastructure layer, including payment issuing, loyalty engine, offer engine, and intelligence portal. The platform cost is consolidated within OPEX for brands versus their legacy tool stack.
2. Interchange Revenue: On open-loop transactions (40% remaining open-loop volume), Omnio earns interchange income. On closed-loop transactions, interchange is eliminated, with margin recovered by the brand. The company also earns float income on pre-loaded wallet balances.
3. Merchant-Funded Rewards Income: Revenue generated from co-funded merchant offers within the card-linked rewards network. Omnio contracts merchants directly and takes a commission on card-linked offer redemptions, improving unit economics for both Omnio and the brand.
4. Rewards & Gift Card Fulfilment: Physical and digital gift card issuance and lifecycle management, savings products, and instant-win prize delivery generate fulfilment fees. The partner marketplace and pre-built connectors provide additional monetisation opportunities.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Omnio provides a cloud-native, API-first embedded finance platform that enables enterprise brands to issue branded physical, virtual, and voucher cards along with branded digital wallets (with native Apple Pay and Google Pay), and to operate loyalty programmes, card-linked offers, and AI-powered personalisation on a single regulated stack. The platform supports open-loop, closed-loop, and hybrid-loop transaction models and integrates via API with existing POS systems without requiring new hardware. Brands adopt one or compose all four modules — Branded Payments, Loyalty Engine, Rewards & Card-Linked Offers, and Platform Compliance — underpinned by a UK EMI licence and Visa Principal Membership.

Product overview

Omnio is a modular embedded finance platform structured as a core infrastructure layer with four integrated product modules: Branded Payments (card issuing and digital wallets), Loyalty Engine (points, tiers, and gamification), Rewards & Card-Linked Offers (merchant network and real-time redemption), and Platform Compliance (EMI licence, KYC/AML, PCI DSS). The platform is complemented by the Omnio Intelligence Portal for analytics, Omnio AI for predictive capabilities, and Omny for conversational interactions. Brands adopt one or compose all modules as a complete financial layer for their customer ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• Branded Payments Card issuing and digital wallet platform that enables enterprise brands to issue physical, virtual, disposable, and voucher cards under their own brand, with native Apple Pay and Google Pay integration. Supports open loop, closed loop, and hybrid loop networks with full control over settlement, fees, and customer experience, plus FX and multi-currency transfers, real-time double-entry ledger, and identity verification.
• Loyalty Engine Configurable loyalty programme engine with flexible points, cashback, and tier-based status mechanics, supporting subscription billing, real-time notifications, achievement tracking, dynamic segmentation, and gamified engagement mechanics including instant-win and missions. Includes a unified ledger across cards, wallet, and partners and supports multi-currency loyalty.
• Rewards & Card-Linked Offers Curated merchant network contracted directly by Omnio to power card-linked offers tied to specific BINs, tiers, or segments. Provides real-time reward redemption at point of sale, physical and digital gift card issuance and lifecycle management, instant-win prize delivery, and performance reporting per merchant and cohort.
• Platform Compliance Regulated infrastructure providing UK Electronic Money Institution licence and Visa Principal Membership. Manages end-to-end compliance including KYC/AML, PCI DSS Level 1, safeguarding, and GDPR-aligned data architecture, with full audit trails and a compliance reporting dashboard. Includes developer platform with API gateway, pre-built partner marketplace connectors, and sandbox tools (docs.omnio.ai).
• Omnio Intelligence Portal Real-time analytics dashboard module that gives brands visibility into individual customer journeys, cohort behaviour, spend velocity, churn risk scoring updated daily, and campaign attribution. Tracks programme revenue, offer redemptions, and visit frequency metrics across the active cardholder base.
• Omnio AI AI module that analyses transactions, interactions, and behavioural signals to predict churn 14+ days in advance, recommend next-best actions, identify underperforming segments, and recommend offers, reward types, and campaign timing. Integrates with the Omnio Intelligence Portal and exposes capabilities via API for automated decision-making, with anomaly detection on spend patterns in real time.
• Omny (GenAI Assistant) Generative AI assistant that enables conversational rewards interactions, allowing customers and programme managers to query loyalty programmes, points, and offers through natural language.

Quantifiable outcome

• €1.456m P&L improvement vs fully open loop on €50m monthly turnover at 60% closed-loop adoption, including €571K net platform P&L position and €885K of ecosystem drag eliminated
• +5 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature9 records

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Treezor: Treezor is a French EMI-licensed Banking-as-a-Service provider offering payment accounts, card issuing, and KYC services to enterprises across Europe. Comparable European embedded finance peer with similar EMI regulatory foundation and API-first architecture.
• Railsr: Railsr is a global embedded finance platform offering card issuing, banking accounts, and embedded financial products. Comparable in business model (embedded finance for brands) though with broader geographic focus and different vertical concentration.
• Banking Circle: Banking Circle provides payment infrastructure and banking-as-a-service solutions for banks, payment service providers, and fintechs. Comparable as a European payments infrastructure provider with banking license foundation, though more focused on cross-border payments and B2B flows.
• Marqeta: Marqeta is a card-issuing and payments platform enabling businesses to issue and process prepaid, debit, and credit cards via API. Directly comparable to Omnio's branded card issuing infrastructure, though Marqeta focuses on fintechs and neobanks while Omnio focuses on consumer brands.
• Galileo Financial Technologies: Galileo is a payments platform acquired by SoFi offering card issuing, digital wallets, and payment processing infrastructure via API. Comparable in core functionality (programmable card issuing, loyalty infrastructure) with similar target of enabling financial products for businesses.
• Solaris SE: Solaris is a German-regulated Banking-as-a-Service platform offering embedded finance infrastructure including card issuing, KYC, and lending across Europe. Comparable EMI-licensed European embedded finance platform serving enterprise and SME clients with similar regulatory foundation.

Broad incumbents

• Adyen: Adyen is a global payments platform offering payment processing, card acquiring, and increasingly embedded financial products. A broad incumbent operating across multiple payment categories with growing financial product offerings, indirectly competitive with Omnio in the brand payment infrastructure space.
• Stripe Issuing: Stripe Issuing is a card-issuing product within Stripe's broader payments platform. Comparable in core functionality (programmable card issuing via API), though Stripe is a much larger incumbent offering this as one feature of a comprehensive payments suite rather than a focused embedded finance platform.

Emerging players

• Thought Machine: Thought Machine is a cloud-native core banking platform offering Vault, an account engine for banks and financial institutions. Comparable in cloud-native, API-first infrastructure philosophy serving regulated financial services, though targeting banks as customers rather than consumer brands.
• Weavr: Weavr is an emerging embedded finance platform enabling SaaS companies to embed financial services including payments, accounts, and cards. Comparable emerging player with similar API-first approach, focused on B2B SaaS distribution channel rather than consumer brands.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/omnioglobal

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries3 records

Funding overview

Funding rounds5 records

Investors3 records

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

M&A4 records

Investments

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

Frequently asked questions about Omnio