Neema
Neema is a licensed Israeli Payment Institution operating an API-first cross-border payments platform for EMIs, banks, and global businesses, using proprietary Dynamic Routing® to deliver real-time transactions across 120+ countries and 80+ currencies.
- Company typePrivate
- Founded2018
- HeadquartersTel Aviv, Israel
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Neema does
Neema Shefa Israel Ltd. ("Neema") is a licensed Payment Institution headquartered in Tel Aviv that operates a cross-border payments infrastructure platform for businesses, positioned by the company as "Fintech for Fintechs" with primary focus on Electronic Money Institutions (EMIs), banks, and mid-market/enterprise corporates with global payment needs. The platform is delivered as a single API integration enabling clients to send money across 120+ countries and 80+ currencies, with claimed access to 7.2B+ bank accounts and 98% of transactions delivered in real time.
The core technical asset is Dynamic Routing®, a proprietary routing engine with a real-time bidding component that selects optimal transaction and FX combinations across multiple corridors per transaction, supported by built-in AML/compliance monitoring from screening through settlement. The platform is differentiated by direct integration into account-to-account (A2A) real-time payment infrastructure — specifically the UK's Faster Payments and Brazil's Pix — and by the December 2025 launch of Request-to-Pay (RTP), a Global A2A collection product that bypasses Visa/Mastercard interchange. Neema is certified to ISO 27001/27017/27018, PCI-DSS, GDPR, and DORA, and is regulated by the Israel Securities Authority.
Neema monetizes primarily through transaction fees on cross-border payments and on real-time A2A processing, with pricing opaque and quoted on a custom basis via direct sales engagement. Go-to-market is API-first with a developer documentation hub (docs.getneema.com) supplemented by enterprise field sales via website lead-capture forms. The company was founded in 2018, has 101–250 employees, and has raised approximately $19.3M cumulatively across rounds led by Y Combinator (2017), Discount Capital (2020), and Bank Hapoalim (2021). Leadership includes two listed CEOs (Moshe Kimhi and Roye Rahav) alongside co-founder and CTO Yuval Giveon; the dual-CEO structure is not explained in available sources.
Neema firmographics
Firmographics- Name
- Neema
- Legal name
- Neema Shefa Israel Ltd.
- Website
- https://global.getneema.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Neema is a licensed Israeli Payment Institution operating an API-first cross-border payments platform for EMIs, banks, and global businesses, using proprietary Dynamic Routing® to deliver real-time transactions across 120+ countries and 80+ currencies.
- Ownership category
- akta.pro rank
Neema industry classification
Industry- Product category
- Cross-Border Payments Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)
- SIC
- Services-Computer Programming Services (7371)
- akta.pro primary industry
- Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)
- akta.pro secondary industries
- Cross-Border A2A & Bank Transfer Networks (FSAMAIAF), Cross-Border & FX Payments Platforms (BPAMAFAK), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)
Keywords
Where Neema is headquartered
LocationHeadquarters
- HQ city
- Tel Aviv
- HQ country
- Israel
- HQ region
- Middle East
Offices1 record
Markets served
Neema business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Cross-border Payment Transaction Fees: Revenue generated from transaction fees on cross-border payments. The platform's Dynamic Routing® technology optimizes transaction and exchange fees for each transaction, finding the best combination in real-time through a bidding engine.
- Real-time Payment Processing: Revenue from processing real-time A2A payments, bypassing traditional card networks and their associated interchange fees. Eliminates card-related failures such as expired details, blocked transactions, and costly retries.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Neema product offering
Product offeringCore offering
Neema operates a global cross-border payments platform for businesses, fintechs, EMIs, and banks. Through a single API integration, the platform enables real-time international money transfers across 120+ countries and 80+ currencies using proprietary Dynamic Routing® technology. The offering includes Request-to-Pay (RTP) for direct bank-to-bank A2A collections that bypass Visa/Mastercard networks.
Product overview
Neema is a cross-border payments platform offering a single unified product. The core Neema Platform provides real-time international payment services featuring Dynamic Routing technology for optimized transaction routing, Global A2A payments via Request-to-Pay for direct bank account collections, and coverage across 120+ countries in 80+ currencies. The platform is designed for businesses requiring cross-border payment capabilities with features including AML compliance, real-time transaction monitoring, and API-based integration.
Differentiator
Problem solved
Functional benefit
Products and services
- Neema Platform
- Request-to-Pay (RTP)
- Developer Hub / Neema API
Quantifiable outcome
- 98% of transactions delivered in real-time
- +2 more outcomes
Companies that use Neema
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Neema technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Neema partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- UK's Faster PaymentscoreIntegration with UK's Faster Payments real-time payment infrastructure enables Neema platform users to send and receive instant payments within the UK, bypassing traditional card networks.
- Brazil's PixcoreIntegration with Brazil's Pix real-time payment system enables instant account-to-account payments in Brazil, expanding Neema's Latin American coverage.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Neema competitors and assessment
Company assessmentDirect peers
- Wise (formerly TransferWise): Wise operates a global cross-border payments network covering 70+ countries with multi-currency accounts, directly competing with Neema in B2B and B2C remittance/payment corridors. Both target cost-optimized, transparent cross-border FX and transfers using direct banking integrations.
- Ripple: Ripple provides cross-border payment infrastructure (RippleNet, On-Demand Liquidity) to banks and financial institutions, directly competing with Neema's B2B cross-border payments positioning targeting EMIs and banks.
- Nium: Nium is a global payments platform offering cross-border B2B payouts, remittances, and card issuance across 190+ countries — a near-direct competitor targeting fintechs, banks, and enterprises with API-first infrastructure, similar to Neema.
- Thunes: Thunes operates a global payments network connecting 130+ countries for cross-border B2B, B2C, and disbursements — directly comparable to Neema's 120+ country footprint and fintech/bank customer base.
- Currencycloud (Visa): Currencycloud, now owned by Visa, provides cross-border payment infrastructure as APIs to fintechs and banks — directly comparable to Neema's 'fintech for fintechs' positioning and API-first cross-border B2B model.
- Payoneer: Payoneer provides cross-border B2B payment, mass-payouts, and multi-currency accounts to marketplaces, freelancers, and SMBs — directly comparable to Neema's B2B cross-border payments use cases and global currency coverage.
- Remitly: Remitly is a digital remittance and cross-border payments company serving individuals and businesses across 170+ countries. While skewing more B2C, its cross-border corridors and A2A/payment-rail integrations overlap materially with Neema's platform.
- TerraPay: TerraPay operates a global cross-border payments network enabling B2B, B2C, and P2P transfers across 100+ countries — closely comparable to Neema on footprint, target customers (fintechs, banks, MTOs), and API-first integration model.
Broad incumbents
- Adyen: Adyen is a large global payment platform offering cross-border acquiring, payouts, and FX to enterprises. It overlaps with Neema on cross-border B2B payment routing and currency coverage but operates as a much broader omnichannel commerce platform.
- Worldline / Ingenico: Worldline is a European payment incumbent offering acquiring, merchant services, and cross-border payment infrastructure to banks and enterprises, with overlap on FX and multi-currency capabilities relevant to Neema's bank/EMI customer base.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Neema social profiles
Digital presenceNeema compliance and trust
Trust signalCompliance6 records
Neema financial estimates
Financial estimateRevenue estimate
Valuation estimate
Neema leadership team
Management profileNumber of profiles
Profiles3 records
Neema funding detail
Funding detailFunding overview
Funding rounds5 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Neema 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 Neema
What does Neema do?
Neema operates a global cross-border payments platform for businesses, fintechs, EMIs, and banks. Through a single API integration, the platform enables real-time international money transfers across 120+ countries and 80+ currencies using proprietary Dynamic Routing® technology. The offering includes Request-to-Pay (RTP) for direct bank-to-bank A2A collections that bypass Visa/Mastercard networks.
Is Neema a public or private company?
Neema is a private company. It is classified as venture growth investor backed and is currently operating.
When was Neema founded?
Neema was founded in 2018. It employs 101 to 250 people.
Where is Neema based?
Neema is headquartered in Tel Aviv, Israel, in the Middle East region.
How does Neema make money?
Two revenue lines are on record. Cross-border Payment Transaction Fees are the primary driver. The others are real-time Payment Processing.
Who are Neema's main competitors?
Direct peers on record are Wise (formerly TransferWise), Ripple, Nium, Thunes, Currencycloud (Visa), Payoneer, Remitly and TerraPay. Broad incumbents are Adyen and Worldline / Ingenico.
Does Neema have an API?
Yes. Neema offers an API that enables developers to send money worldwide with one API integration. The Developer Hub at docs.getneema.com provides documentation for integration purposes. Developer documentation is at docs.getneema.com.
What industry is Neema in?
Neema's product category is Cross-Border Payments Infrastructure. Its primary akta.pro industry code is FSAGAKAH, Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity), with a secondary code of FSAMAIAF, Cross-Border A2A & Bank Transfer Networks. Its NAICS code is 52232 and its SIC code is 7371.