What payabl. does

payabl. is a European payment platform founded in 2013 and headquartered in Limassol, Cyprus, providing payment processing, acquiring, issuing, and multi-currency business account services to merchants ranging from micro/SME businesses to large enterprises. The company operates across five European offices (Limassol, London, Frankfurt, Vilnius, Amsterdam) and serves merchants globally through 300+ local and alternative payment methods, e-commerce platform plugins (Shopify, WooCommerce, Magento, PrestaShop, Wix, OpenCart, Shopware), APIs, SDKs, and a multi-tier partner program. Its primary legal entities are PAYABL. CY LIMITED (licensed by the Central Bank of Cyprus as a Payment Institution, No. 115.1.2.9/2018) and PAYABL. (UK) LIMITED (authorized by the FCA as an Electronic Money Institution, No. 967259).

The product portfolio centers on payabl.one, a unified dashboard platform that connects payment acceptance, multi-currency IBAN business accounts, virtual card issuing, payouts, fraud prevention, and reporting. Adjacent products include payabl.checkout (online gateway with 300+ payment methods), payabl. in-store (POS terminals and Tap to Pay SoftPOS for NFC-enabled smartphones), Click to Pay with Visa, stablecoin settlements (USDC on ERC20 and SOL), and AI-powered fraud detection via a Sift partnership. Notable technical integrations include Visa Direct, Mastercard Send, SEPA, SEPA Instant, SWIFT, and Faster Payments Service for payouts, plus digital wallets (Apple Pay, Google Pay, Samsung Pay, PayPal, Wero) and regional methods (Bancontact, iDEAL, Trustly, EPS, Przelewy24, BLIK, Pix, Boleto, Oxxo).

payabl. generates revenue through transaction-based payment processing fees, recurring subscriptions (POS from £9/month, business account fees), FX margins on multi-currency accounts, virtual card fees, and API/integration service fees. Go-to-market combines direct enterprise sales, self-serve digital onboarding for SMEs, and a partner ecosystem (Agency/Affiliate, Payment, Platform, Embedded, Payment Facilitator, Introducer). Customer segments span e-commerce merchants, in-store retail, trading platforms (eToro, XM), vehicle rental, restaurant tech, and digital services, reflecting a horizontal segmentation strategy across European markets.

Name

payabl.

Legal name

PAYABL. CY LIMITED

Website

https://payabl.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

251–500 employees

Short description

payabl. is a European payment platform providing payment processing, multi-currency business accounts, and virtual card issuing through its unified payabl.one platform, serving merchants from micro/SMEs to enterprises across 300+ payment methods in regulated EU and UK markets.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

Keywords

• Payment processing platform
• Online payment gateway
• Multi-currency business accounts
• POS terminal solutions
• Virtual business cards

Headquarters

HQ city

Limassol

HQ country

Cyprus

HQ region

Europe

Offices5 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. Payment Processing/Transaction Fees: Revenue generated from processing online and in-store payments. Includes card acquiring, local payment methods, and alternative payment methods. Transaction fees typically charged as percentage of transaction value plus fixed fee.
2. Multi-currency Business Accounts: Revenue from multi-currency IBAN accounts supporting EUR, GBP, USD, and 27+ other currencies. Includes fees for currency exchange, instant settlements, and account maintenance.
3. Virtual Business Cards: Revenue from virtual card issuing for corporate expense management. Includes per-card fees and transaction fees on card usage.
4. POS Terminal Services: Revenue from POS terminal hardware and software solutions. Starting from £9/month for point-of-sale solution. Includes next-day settlement and omnichannel integration features.
5. API and Integration Services: Revenue from API access, SDK integration services, and plugin solutions for ecommerce platforms. Provides multiple integration options including hosted payment pages, direct API, and pre-built platform connectors.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

payabl. operates a unified payments platform (payabl.one) that combines online and in-store payment acquiring, multi-currency business accounts, virtual business cards, global payouts, and AI-powered fraud prevention for merchants. Through its payment gateway (payabl.checkout) and POS terminal solutions (payabl. in-store), it enables businesses to accept 300+ payment methods across 130+ currencies via APIs, plugins, hosted pages, and mobile SDKs. The company is regulated by the Central Bank of Cyprus as a Payment Institution and by the UK FCA as an Electronic Money Institution.

Product overview

payabl. offers a unified payments platform connecting payment acceptance, business accounts, and payouts through modular products. The core platform is payabl.one, which serves as the central dashboard managing all payment flows. The product portfolio consists of payabl.checkout (gateway) for online payments with 300+ payment methods, payabl. in-store (POS) for physical terminal payments, business accounts with multi-currency IBANs and virtual cards, payouts for global disbursements, and specialized solutions for recurring payments, stablecoin settlements, and AI-powered fraud prevention. Integration options span ecommerce plugins (WooCommerce, Shopify, Magento, PrestaShop, Wix, OpenCart, Shopware), APIs, SDKs, and hosted payment pages. The platform processes payments across acquiring and issuing, supporting both online and in-store channels with comprehensive payment rails including SEPA, SWIFT, Visa Direct, and Mastercard Send.

Differentiator

Problem solved

Functional benefit

Brands

• payabl.one: Unified all-in-one payments platform for managing payments, accounts, settlements, and business insights from a single dashboard.
• payabl.checkout
• payabl. in-store
• payabl. business accounts
• payabl. virtual cards

Products and services

• payabl.checkout (payabl.gateway) Online payment gateway providing domestic and global card acquiring with 300+ local and alternative payment methods, integrating via plugins, hosted payment page, Web SDK, and Direct API for online merchants.
• payabl.one Unified all-in-one platform providing complete money-flow management, connecting payments and business accounts with real-time transaction tracking, settlements visibility, fraud prevention, chargeback tools, and PCI-compliant infrastructure for online and in-store merchants.
• payabl. in-store (POS Terminal) Point-of-sale terminal solution for in-person payments offering NEXGO hardware (N96, N86, N6) with POS software, mobile capabilities, built-in printer, and Tap to Pay SoftPOS for smartphone-based contactless acceptance.
• payabl. Business Accounts Multi-currency business accounts providing instant settlement, multi-currency IBANs in EUR, GBP, USD and 27+ currencies, batch file processing, API integration, and access to the full payment rail stack from SEPA Instant to SWIFT.
• payabl. Virtual Cards Virtual business cards for corporate expense management with instant issuance, configurable spending limits, real-time transaction monitoring, and in-app receipt capture with pre-accounting; awarded Platinum Award for Virtual Card Innovation at Future Digital Awards.
• payabl. Payouts Global payout platform enabling near real-time payouts to bank accounts via Visa Direct, Mastercard Send, SEPA, SWIFT, and FPS, supporting multiple currencies for marketplaces, insurance, gig economy, and vendor payments.
• Payment Links Secure one-click payment links for invoices, quotes, or one-off payments via email, text, social media, or chat, with real-time payment status tracking and support for recurring and partial payments.
• Hosted Payment Page Ready-to-use PCI DSS compliant checkout page requiring zero development time, supporting 22+ languages, multi-currency, and multiple payment methods across mobile, tablet, and desktop.
• Recurring Payments Subscription payment solution with automated billing, smart retry logic, built-in mandate management, SEPA Direct Debit Core support, pre-notification features, and chargeback management.
• Stablecoin Settlements Settlement solution accepting stablecoins including USDC (ERC20) and USDC (SOL) as a lower-cost alternative to traditional fiat, with instant settlement, borderless transfers, and multi-currency flexibility.
• Fraud Prevention AI-powered fraud detection and prevention powered by Sift, including real-time transaction scoring, 3D Secure v2.2, custom fraud rules, pre-authorization tools, chargeback alerts, reason code analysis, and PCI-compliant reporting.
• Local Payment Methods Access to 300+ global and local payment methods including digital wallets, bank transfers, and regional payment options, dynamically displayed based on customer location and device, supporting 130+ currencies.
• Click to Pay with Visa Token-based online checkout solution via Visa partnership that reduces friction, improves authorization rates by up to 11%, and enhances payment security through network tokenization; integrated through payabl.checkout.
• Tap to Pay SoftPOS solution enabling contactless card payments via NFC-enabled Android smartphones without dedicated hardware, supporting sales, refunds, reversals, and tips, and integrating with payabl.one.

Quantifiable outcome

• 125% increase in processed transactions for Redcluster
• +3 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration31 records

AI capability3 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• VisacoreTechnology or Integration · 20 April 2026payabl. partnered with Visa to launch Click to Pay, a token-based online checkout solution. The solution reduces checkout friction, improves authorization rates by up to 11%, and enhances fraud protection through network tokenization. Integrated through payabl.checkout, now live for eligible merchants across Europe.
• CYENS Centre of ExcellenceminorStrategic or Co-development Partner · 16 October 2025payabl. Group CEO Ugne Buraciene appointed as non-executive director to CYENS board. CYENS is a Centre of Excellence in Cyprus focused on research, industry, and society connections. Buraciene leverages fintech experience to contribute to centre's growth.
• SiftcoreTechnology or IntegrationSift provides AI-powered fraud decisioning integrated into payabl.'s platform. Machine learning models analyze transaction patterns in real-time to detect and block suspicious transactions. Partnership enables enterprise-grade fraud protection with 24/7 risk team support.
• TorusminorStrategic or Co-development Partnerpayabl. executives participate in panel discussions with Torus on data intelligence for transaction profitability. Joint discussions focus on profit leakage, data fragmentation, and hybrid AI-human approaches to payment data analysis.
• Raiffeisen Bank InternationalminorStrategic or Co-development Partnerpayabl. participates in industry panels with Raiffeisen Bank International discussing data intelligence strategies for sustainable profitability. Discussions emphasize data as foundational requirement over static dashboards.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Adyen: Amsterdam-headquartered global payment platform offering unified acquiring, processing, and business accounts to enterprise merchants. Directly comparable to payabl.'s European-centric, full-stack payment platform with similar acquiring and business account capabilities.
• Stripe: Global payment infrastructure provider offering payment processing, business accounts, issuing, and developer-first APIs. Comparable to payabl. in its unified platform approach, though serving a broader global market with significantly greater scale and capital.
• Checkout.com: London-based global payment processor focused on enterprise merchants with unified acquiring, issuing, and banking services. Direct competitor to payabl. in the European mid-market and enterprise segments, with similar product breadth.
• Mollie: Amsterdam-based payment processor focused on European SMEs and mid-market merchants with multi-currency accounts, gateway, and POS solutions. Closely comparable to payabl. in European focus, product breadth, and SME/mid-market GTM motion.
• Trust Payments: UK and Cyprus-based payment processor offering acquiring, gateway, and business account services to merchants across Europe. Closely comparable to payabl. in regulatory footprint (UK FCA, Cyprus), product offering, and target market.
• SumUp: European fintech offering card acceptance, POS terminals, and business accounts to micro and SME merchants. Comparable to payabl.'s SME-facing POS and in-store payment solutions, particularly the Tap to Pay SoftPOS offering.
• PPRO: European payment infrastructure provider specializing in local payment method aggregation and orchestration for payment service providers and merchants. Comparable to payabl.'s 300+ local payment methods offering and payment orchestration capabilities.

Broad incumbents

• Worldline: Large European payment processor and acquirer serving merchants, financial institutions, and governments. Comparable in European geographic focus and full-stack payment capabilities, but at significantly greater scale as a listed incumbent.
• Nexi: Italian-headquartered European PayTech providing acquiring, issuing, and digital banking services across multiple European markets. Comparable to payabl. in European focus and merchant services, but with broader geographic reach and established banking partnerships.
• Payoneer: Cross-border payment platform offering multi-currency accounts, payouts, and merchant services to SMEs and marketplaces globally. Comparable to payabl.'s cross-border payouts, multi-currency business accounts, and marketplace platform positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/payabl_eu
• YouTubeyoutube.com/channel/UCKtsHcCR7o2CLfN18TuFBWA
• Facebookfacebook.com/Payabl
• LinkedInlinkedin.com/company/payabl-eu
• Instagraminstagram.com/payabl_eu

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

Funding overview

Funding rounds

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 payabl.