Handpoint
Handpoint provides a cloud-native embedded payments platform enabling SaaS companies and payment facilitators to integrate card-present and online payment acceptance across 13+ currencies, serving 100+ platform partners from its Iceland headquarters.
- Company typePrivate
- Founded2010
- HeadquartersReykjavík, Iceland
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Handpoint does
Handpoint (handpoint.com) is a cloud-native embedded payments platform that enables SaaS companies and payment facilitators to integrate card-present and online payment acceptance into their software products. Headquartered in Iceland with offices in the UK, US, and Spain, the company serves 100+ platform customers worldwide and processes across 13+ currencies under a single contract. The platform architecture combines a Nextgen Card Present Gateway, Modern Terminals and APIs, mobile SDKs (Android and iOS), and integration modules including Hosted Payment Page, Hosted Payment Fields, Direct Integration, Batch Integration, and Pay By Link, supported by a Real-Time Data API and a Merchants and Terminals Management API.
The company's product suite is built around developer-first integration patterns that allow SaaS platforms and independent software vendors to embed payment acceptance without building payments infrastructure themselves. A reported Net Promoter Score of 95% suggests high customer satisfaction within the platform partner base, and 15+ shopping cart and commerce platform integrations (including WooCommerce, Magento, and others) extend reach into SMB and mid-market merchants. Fraud prevention is delivered through a third-party partnership with Kount, leveraging machine learning for risk scoring rather than proprietary models.
Handpoint's business model is a tiered, volume-based pricing structure organized under a "Payments Flight Path" framework: Starter (for platforms processing $0–10M per month), Growth ($10M–50M per month), and Pro ($50M+ per month). Revenue is generated through transaction-based economics with platform partners who resell payment services to their end merchants, supplemented by per-terminal and per-API-call fees. The company's go-to-market is API-first and developer-centric, augmented by channel and platform partnerships. Total disclosed equity funding is approximately $8M across three rounds in 2015, 2019, and 2021. On August 19, 2025, Handpoint was acquired by Electronic Payments, Inc. (EPI), consolidating its technology into a larger US payments distribution business.
Handpoint firmographics
Firmographics- Name
- Handpoint
- Legal name
- Handpoint
- Website
- https://handpoint.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- Handpoint provides a cloud-native embedded payments platform enabling SaaS companies and payment facilitators to integrate card-present and online payment acceptance across 13+ currencies, serving 100+ platform partners from its Iceland headquarters.
- Ownership category
- akta.pro rank
Handpoint industry classification
Industry- Product category
- Embedded Payments Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
Keywords
Where Handpoint is headquartered
LocationHeadquarters
- HQ city
- Reykjavík
- HQ country
- Iceland
- HQ region
- Europe
Offices4 records
Markets served
Handpoint business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Fees: Handpoint earns revenue through transaction fees charged on payment processing volume. The platform enables SaaS companies and payfacs to capture payment monetization with predictable revenue streams as merchants process payments across in-person, online, and mobile channels.
- Platform/SaaS Fees: Tiered subscription-like programs based on processing volume and business model maturity. The Payments Flight Path includes Starter, Growth, and Pro tiers with different customer pricing, branding options, and earning potential based on monthly processing volume.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Handpoint Starter: Entry-level tier for platforms processing up to $10M/month with standard program pricing and Handpoint branding. |
| Subscription | Monthly | Handpoint Growth: Mid-tier for platforms processing $10-50M/month with customized programs and co-branded experience. |
| Subscription | Monthly | Handpoint Pro: Enterprise tier for licensed payment institutions processing $50M+/month with full ownership and white-label options. |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Handpoint product offering
Product offeringCore offering
Handpoint provides a cloud-native embedded payments platform that enables SaaS companies and payment facilitators (payfacs) to integrate omni-channel payment acceptance (in-person, online, and in-app) into their software products. The platform delivers a unified commerce gateway with developer-first APIs, native Android and iOS SDKs, modern terminals (SmartPOS/mPOS), and multi-currency processing across 13+ currencies under a single cross-Atlantic contract spanning UK, EU, US, Canada, and South Africa.
Product overview
Handpoint is an embedded payments platform offering a unified commerce solution for SaaS companies and payment facilitators (payfacs). The platform provides a modular architecture centered around the Embedded Payments Platform and Nextgen Card Present Gateway, supplemented by developer SDKs (Android SDK, iOS SDK), multiple e-commerce integration modules (Hosted Payment Page, Hosted Payment Fields, Direct Integration, Batch Integration, Pay By Link), and analytics/management APIs (Transaction Analytics API, Merchants & Terminals Management API). The offering spans in-person payments via modern terminals (SmartPOS, mPOS), online/e-commerce payments for Europe, and in-app mobile payments. The platform is priced across three tiers (Starter, Growth, Pro) based on processing volume, with Handpoint recently being acquired by Electronic Payments, Inc. to extend its footprint globally with multi-currency support in 13+ currencies.
Differentiator
Problem solved
Functional benefit
Products and services
- Embedded Payments Platform Core embedded payments platform enabling SaaS companies and payfacs to accept in-person, online, and in-app payments, with cross-Atlantic reach across UK, EU, US, Canada, and South Africa.
- Nextgen Card Present Gateway International cloud-based payment gateway for card-present transactions with real-time connectivity to payment terminals, supporting processing across multiple regions and 13+ currencies under a single contract.
- Modern Terminals (SmartPOS and mPOS) Suite of payment terminals including SmartPOS and mPOS devices that integrate with the cloud gateway and SDKs, enabling merchants to accept secure in-person payments.
- Android SDK Software development kit for integrating payment acceptance and SDK operations into Android applications, enabling in-person and online payments on Android terminals and devices with card tokenization for PCI scope compliance.
- iOS SDK Software development kit for integrating online and in-person payments into native iOS applications using Swift, with tokenized card storage and support for digital wallets.
- Real-Time Data (Transaction Analytics API) Transaction Analytics API providing real-time data from every interaction, from terminal to online, enabling merchants and software platforms to understand their business with reporting and analytics.
- Merchants & Terminals Management API API enabling software platforms to set up and manage merchants and terminals directly from within their own software systems, streamlining onboarding and activation.
Quantifiable outcome
- Net Promoter Score of 95% in independent survey of end-users
- +3 more outcomes
Companies that use Handpoint
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Handpoint technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration21 records
Feature10 records
Handpoint partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Electronic Payments, Inc. (EPI)coreElectronic Payments, Inc. acquired Handpoint as a strategic move to expand its footprint into European and international markets. The acquisition combines EPI's processor-owned economics with Handpoint's developer-first APIs, creating a border-agnostic payment platform supporting multi-currency processing in 13+ currencies. Handpoint's CEO remains to oversee integration.
- TilledcoreTilled, a PayFac-as-a-Service startup, partnered with Handpoint to expand its card-present offerings, including terminal options available in the United States and Canada. The partnership supports Tilled's embedded payments platform strategy for software companies.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Handpoint competitors and assessment
Company assessmentEmerging players
- Spreedly: Spreedly is a payment orchestration platform that enables software platforms to connect to multiple payment services through a single API integration. It overlaps with Handpoint's payment-orchestration and routing capabilities, particularly for SaaS platforms seeking payment-vendor flexibility.
- Stitch (by First Boulevard): Stitch is a South Africa-based payments infrastructure provider that enables businesses to connect to multiple banks and payment providers via a single API. It competes with Handpoint in the African and emerging-markets embedded-payments segment.
Regional players
- PaymentCloud: PaymentCloud is a US-based high-risk merchant account and payment facilitator focused on SMB merchants and ISVs. While it overlaps less directly with Handpoint's API-first enterprise SaaS focus, it competes for the SMB/ISO segment that Handpoint serves through its Starter tier.
Broad incumbents
- Adyen: Adyen is a global payments platform serving enterprise merchants and platforms with unified online, in-person, and mobile payment processing across multiple geographies. Its platform approach, multi-currency capabilities, and direct integration model compete with Handpoint's NextGen Gateway and unified commerce platform at the enterprise end of the market.
- WePay (JPMorgan): WePay, now part of JPMorgan, provides embedded payments infrastructure specifically for software platforms, with a focus on SaaS verticals. It is one of the longest-standing direct competitors to Handpoint in the SaaS embedded-payments category.
- Checkout.com: Checkout.com is a global payment processor offering embedded-payments solutions and developer-friendly APIs for SaaS platforms and large merchants. It competes with Handpoint for enterprise-tier SaaS customers seeking cross-border, multi-currency payment processing under a single integration.
- Stripe: Stripe is a global payments infrastructure provider with Stripe Connect (enabling SaaS platforms to embed payments) and Stripe Terminal (in-person payments). It is a direct competitor to Handpoint in the embedded-payments-for-SaaS segment, with substantially larger scale, broader developer mindshare, and deeper geographic coverage.
Direct peers
- Tilled: Tilled is a PayFac-as-a-Service platform that enables software companies to embed payments, including card-present via terminal partnerships. Handpoint already has a partnership with Tilled (announced 2024-10-29), making Tilled both a complementary partner and a direct competitor in the same SaaS embedded-payments category.
- Finix: Finix is a payments infrastructure company that enables software platforms to embed payments and monetize transactions. It offers a tiered model similar to Handpoint's Payments Flight Path, competing head-to-head for SaaS and payment-facilitator customers seeking API-first embedded payments.
- Stax (formerly Fattmerchant): Stax is a payment facilitator technology provider that enables SaaS platforms and ISVs to offer payment processing to their merchants. Its subscription-based pricing model and embedded approach are comparable to Handpoint's Starter and Growth tiers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Handpoint social profiles
Digital presenceHandpoint financial estimates
Financial estimateRevenue estimate
Valuation estimate
Handpoint leadership team
Management profileNumber of profiles
Profiles3 records
Handpoint funding detail
Funding detailFunding overview
Funding rounds3 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Handpoint 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 Handpoint
What does Handpoint do?
Handpoint provides a cloud-native embedded payments platform that enables SaaS companies and payment facilitators (payfacs) to integrate omni-channel payment acceptance (in-person, online, and in-app) into their software products. The platform delivers a unified commerce gateway with developer-first APIs, native Android and iOS SDKs, modern terminals (SmartPOS/mPOS), and multi-currency processing across 13+ currencies under a single cross-Atlantic contract spanning UK, EU, US, Canada, and South Africa.
Is Handpoint a public or private company?
Handpoint is a private company. It is classified as corporate owned and is currently acquired.
When was Handpoint founded?
Handpoint was founded in 2010. It employs 11 to 50 people.
Where is Handpoint based?
Handpoint is headquartered in Reykjavík, Iceland, in the Europe region.
How does Handpoint make money?
Two revenue lines are on record. Payment Processing Fees are the primary driver. The others are platform/SaaS Fees.
Who are Handpoint's main competitors?
Emerging players on record are Spreedly and Stitch (by First Boulevard). PaymentCloud is listed as a regional player. Broad incumbents are Adyen, WePay (JPMorgan), Checkout.com and Stripe. Direct peers are Tilled, Finix and Stax (formerly Fattmerchant).
Does Handpoint have an API?
Yes. Handpoint offers a comprehensive payment gateway API supporting in-person payments, online payments (Europe), transaction analytics, and merchant/terminal management. The API provides multiple integration paths including Hosted Payment Page, Hosted Payment Fields, Direct Integration, and Batch Integration. Supports multi-currency processing across 13+ currencies. Available via developer portal at dev.handpoint.com with SDKs in PHP, C#, Java, Perl, Python, NodeJS, Ruby, Swift (iOS), and Android. Developer documentation is at developer.handpoint.com.
What industry is Handpoint in?
Handpoint's product category is Embedded Payments Software. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 522320 and its SIC code is 7372.