Pollinate
Pollinate provides a modular, API-first digital experience platform that enables Tier 1 banks and payment processors to deliver white-labeled merchant onboarding, command center, and integrated merchant services to small and medium-sized businesses across the US, UK, and Australia.
- Company typePrivate
- Founded2017
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Pollinate does
Pollinate International Limited, founded in 2017 and headquartered in London, provides a modular, API-first digital experience platform that enables banks and payment processors to deliver white-labeled merchant services to small and medium-sized businesses. The company's core product comprises four configurable modules — Onboarding, Merchant Command Center, Integrated Merchant Services, and ISV Enablement — supported by configuration toolkits and data orchestration capabilities, all delivered through an Experience as a Service (EaaS) model. The platform is designed for rapid deployment (weeks rather than months) and integrates across the bank or processor ecosystem while preserving the financial institution's brand identity.
The company's go-to-market is exclusively direct enterprise sales targeting Tier 1 banks and payment processors, with named customers including Truist (US), NatWest (UK), and National Australia Bank. Pollinate earns revenue primarily through platform/SaaS licensing fees paid by banks for access to the modular solution. The business operates offices in London (UK headquarters), Charlotte (North America), and Cape Town (engineering and R&D hub), with delivery capability spanning three continents.
Leadership carries deep payments-industry pedigree, including former executives from Fiserv, Monitise, Visa Europe, and FIS. The company has raised approximately $218 million in disclosed funding across 2019-2021 from investors including Insight Partners, National Australia Bank, Mastercard, Motive Partners, NatWest Group, EFM Asset Management, and Microsoft, with the latter also appearing as a technology/investor partner. Strategic partnerships with Stripe (2025) and Mastercard (2025) extend the company's ecosystem reach, while Agentic AI features on the roadmap represent the next planned platform expansion.
Pollinate firmographics
Firmographics- Name
- Pollinate
- Legal name
- Pollinate International Limited
- Website
- https://pollinate.global
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Pollinate provides a modular, API-first digital experience platform that enables Tier 1 banks and payment processors to deliver white-labeled merchant onboarding, command center, and integrated merchant services to small and medium-sized businesses across the US, UK, and Australia.
- Ownership category
- akta.pro rank
Pollinate industry classification
Industry- Product category
- Banking Merchant Services Software
- NAICS
- Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)
- akta.pro secondary industry
- Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)
Keywords
Where Pollinate is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Pollinate business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Platform/SaaS Licensing: Pollinate provides banks with their digital experience platform on a licensing basis. The platform includes onboarding, merchant command center, integrated merchant services, and ISV enablement capabilities. Revenue is generated through platform fees paid by banks for access to their modular, white-labeled solution.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Pollinate product offering
Product offeringCore offering
Pollinate provides a modular, API-first digital experience platform that enables banks and payment processors to deliver modern SMB merchant services. The platform covers the full merchant lifecycle through four solutions—dynamic onboarding, a unified merchant command center, integrated merchant services within online banking, and ISV enablement for embedded finance—delivered via an Experience as a Service (EaaS) model.
Product overview
Pollinate offers a unified Digital Experience Platform for payments and banking, designed specifically for SMB merchant services. The platform consists of four core modules: Onboarding (dynamic customer acquisition workflows), Merchant Command Center (unified merchant dashboard), Integrated Merchant Services (bank channel integration), and ISV Enablement (embedded finance through software partners). These modules are supported by Configuration Toolkits, Data and Orchestration Capabilities, all delivered via an Experience as a Service (EaaS) model. The platform is modular, white-label, and API-first, enabling banks to rapidly deploy differentiated merchant experiences while maintaining brand integrity.
Differentiator
Problem solved
Functional benefit
Products and services
- Digital Experience Platform A modular, API-first digital experience platform built for bank and processor integration, flexibility and scalability. Supports the entire merchant lifecycle from customer acquisition and onboarding through to business growth and expansion. Sold to banks and payment processors on a licensing basis.
- Onboarding Dynamic onboarding workflows supporting customer acquisition from consideration to first transaction, increasing conversion and decreasing dropouts across digital, assisted, or omni-channel journeys. A modular solution for banks and processors to onboard SMB merchants.
- Merchant Command Center A unified, bank-branded 'single pane of glass' dashboard that allows merchants to reconcile transactions, manage disputes, access statements, self-serve updates, and discover new services. Increases customer lifetime value, reduces cost to serve, and opens cross-sell opportunities.
- Integrated Merchant Services Integration of digital boarding and transaction management into online banking channels to increase penetration of merchant services and reduce attrition. Enables banks to embed merchant services within their existing digital banking experience.
- ISV Enablement
Quantifiable outcome
- NatWest became the fastest-growing UK bank acquirer after 6 years of partnership with Pollinate
- +4 more outcomes
Companies that use Pollinate
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Pollinate technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Pollinate partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- StripecorePollinate and Stripe partnered to support next generation SMB merchant services. The partnership is focused on helping banks deliver more modern SMB and merchant services experiences. This collaboration combines Stripe's payment infrastructure with Pollinate's digital experience platform to provide banks with comprehensive merchant services capabilities.
- MastercardcoreMastercard hosted Pollinate at their Tech Hub in Manhattan for a panel discussion on AI in banking and SMB services. This represents a strategic relationship for thought leadership and industry collaboration.
- TruistcoreTruist, the 7th largest US bank, implemented Pollinate's platform to power 'Truist Merchant Engage'. This is a client partnership where Truist distributes Pollinate's platform to their SMB customers as a white-labeled merchant services solution.
- National Australia BankcoreNAB partnered with Pollinate to modernize merchant services through the Merchant Portal and Customer Service Portal. Pollinate's platform enables NAB to offer digital onboarding and integrated merchant services within their online banking channel.
- NatWestcoreNatWest partnered with Pollinate to launch Tyl by NatWest, which became the fastest-growing UK bank acquirer. Pollinate provides the digital experience platform enabling seamless onboarding, transaction reconciliation, and merchant insights.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Pollinate competitors and assessment
Company assessmentDirect peers
- Galileo Financial Technologies: SoFi subsidiary providing payment processing infrastructure and digital banking APIs to banks, fintechs, and corporates. Most directly comparable to Pollinate in serving banks/processors with modular payment and account infrastructure for SMB-facing products.
- Marqeta: Card issuing and payment processing platform whose modern API stack powers card programs for fintechs and banks. Comparable as a developer-first payment platform targeting financial institutions, with similar distribution into merchant and SMB contexts.
- Q2 Holdings: Digital banking platform serving community and regional banks with commercial and SMB banking solutions. Comparable as a SaaS vendor to banks seeking to modernize SMB and merchant-facing experiences.
- Mambu: SaaS banking platform providing composable core banking infrastructure to banks, fintechs, and lenders. Comparable as a SaaS vendor enabling banks to launch modern financial products with modular, API-first architecture.
Broad incumbents
- nCino: Cloud banking platform serving global financial institutions with commercial, retail, and SMB banking workflows. Comparable in selling SaaS to Tier 1 banks, but operating at a broader banking-operating-system level rather than merchant services focus.
- Finastra: Large financial software vendor serving global banks with lending, treasury, and digital banking solutions. Comparable as a broad incumbent banking technology provider that banks may evaluate alongside or instead of Pollinate.
- Temenos: Global banking software vendor providing core banking, payments, and digital channels to banks worldwide. Comparable as an incumbent banking platform vendor with overlapping reach into SMB and merchant services experiences.
Emerging players
- Thought Machine: Cloud-native core banking platform serving Tier 1 banks globally (e.g., Lloyds, JPMorgan, Standard Chartered). Comparable as a modern SaaS vendor replacing legacy banking infrastructure, with adjacent reach into commercial and SMB banking.
- 10x Banking: Cloud-native core banking platform serving Tier 1 banks (e.g., HSBC, JPMorgan). Comparable as a modern SaaS challenger to legacy banking infrastructure targeting the same bank buyer persona as Pollinate.
- Stripe Treasury: Stripe's embedded banking-as-a-service product enabling platforms to offer financial accounts. Now a partner of Pollinate but also a potential alternative for banks and platforms seeking integrated banking experiences.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pollinate social profiles
Digital presencePollinate compliance and trust
Trust signalCompliance3 records
Pollinate financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pollinate leadership team
Management profileNumber of profiles
Profiles6 records
Pollinate funding detail
Funding detailFunding overview
Funding rounds3 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pollinate M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pollinate
What does Pollinate do?
Pollinate provides a modular, API-first digital experience platform that enables banks and payment processors to deliver modern SMB merchant services. The platform covers the full merchant lifecycle through four solutions—dynamic onboarding, a unified merchant command center, integrated merchant services within online banking, and ISV enablement for embedded finance—delivered via an Experience as a Service (EaaS) model.
Is Pollinate a public or private company?
Pollinate is a private company. It is classified as venture growth investor backed and is currently operating.
When was Pollinate founded?
Pollinate was founded in 2017. It employs 51 to 100 people.
Where is Pollinate based?
Pollinate is headquartered in London, United Kingdom, in the Europe region.
How does Pollinate make money?
One revenue line is on record: platform/SaaS Licensing.
Who are Pollinate's main competitors?
Direct peers on record are Galileo Financial Technologies, Marqeta, Q2 Holdings and Mambu. Broad incumbents are nCino, Finastra and Temenos. Emerging players are Thought Machine, 10x Banking and Stripe Treasury.
Does Pollinate have an API?
No public API is recorded for Pollinate.
What industry is Pollinate in?
Pollinate's product category is Banking Merchant Services Software. Its primary akta.pro industry code is FSAGACAI, Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation), with a secondary code of FSAGACAB, Account Verification & Ownership (AVS/AOV, micro-deposits, auth). Its NAICS code is 54151 and its SIC code is 7372.