BridgerPay
BridgerPay is a Cyprus-based payment orchestration platform that connects merchants to 1,000+ payment service providers across 185 countries via a single API, offering AI-driven routing, retries, 3DS, fraud, and settlement tools. It serves enterprise and SMB clients in travel, retail, SaaS, financial services, and gaming.
- Company typePrivate
- Founded2019
- HeadquartersLimassol, Cyprus
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What BridgerPay does
BridgerPay (legal entity: Bridger AI Limited) is a Cyprus-headquartered payment orchestration platform founded in 2019 by Ran Cohen (CEO) and Yaron Hershcovich (CTO). Its core product, Bridger OS, provides a single API and no-code dashboard that connects merchants to 1,000+ payment service providers across 185 countries and 30+ currencies, with integrated modules for AI-driven routing (Bridger AI), intelligent transaction retry (Bridger Retry™), agnostic 3D Secure authentication (Bridger 3DS), automated fraud detection (Bridger Fraud), and settlement/reconciliation.
The platform is sold primarily via subscription (annual billing, custom pricing) with what appears to be a transaction-based fee component, and is delivered through a hybrid GTM motion combining enterprise field sales for large merchants (Etihad, Zalora, 888 Casino, PassportCard, Paybis, Waves Audio) with a self-onboarding PLG path for SMBs and a PrestaShop module for open-source eCommerce merchants. Vertical focus is on Travel & Hospitality, Retail & eCommerce, SaaS, Financial Institutions, and Gaming, with offices in Limassol (HQ), Abu Dhabi (post-HUB71 win), and Tel Aviv, plus stated expansion plans for the US and Australia.
BridgerPay is a private, self-funded company that raised a single $6M seed round in May 2022 led by Nati Harpaz and SIBF, and reports $4.8M ARR with a $14.5M valuation as of 2025. The company has launched multiple new products in 2025 (Bridger 3DS, Paywith™, stablecoin payments) and signed flagship partnerships with Etihad Airways, BtoBet, and Shva, indicating active commercial and product momentum despite a lean 11-50 person headcount.
BridgerPay firmographics
Firmographics- Name
- BridgerPay
- Legal name
- Bridger AI Limited
- Website
- https://bridgerpay.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BridgerPay is a Cyprus-based payment orchestration platform that connects merchants to 1,000+ payment service providers across 185 countries via a single API, offering AI-driven routing, retries, 3DS, fraud, and settlement tools. It serves enterprise and SMB clients in travel, retail, SaaS, financial services, and gaming.
- Ownership category
- akta.pro rank
BridgerPay industry classification
Industry- Product category
- Payment Orchestration Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Programming Services (7371), Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- Payment Reconciliation, Reporting & Settlement Infrastructure (FSAGABAH)
- akta.pro secondary industries
- Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)
Keywords
Where BridgerPay is headquartered
LocationHeadquarters
- HQ city
- Limassol
- HQ country
- Cyprus
- HQ region
- Europe
Offices3 records
Markets served
BridgerPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription: Payment orchestration platform delivered as SaaS with subscription fees. Fees charged in advance for each billing period. Service term renews annually unless 30 days notice given.
- Payment Processing Fees: Platform connects to multiple payment providers enabling businesses to process transactions globally, suggesting transaction-based revenue component.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise tier for large businesses |
| Subscription | Annual | Standard tier for growing businesses |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
BridgerPay product offering
Product offeringCore offering
BridgerPay provides a modular payment orchestration platform, anchored on Bridger OS, that connects businesses to more than 1,000 payment service providers and 1,000+ payment methods across 185 countries. The platform routes transactions intelligently, recovers failed payments through an AI-driven retry engine, supports 3D Secure authentication, fraud detection, settlement, and reconciliation, and is delivered as PCI DSS Level 1 compliant SaaS with annual subscription pricing.
Product overview
BridgerPay offers a modular payment orchestration platform architecture centered on Bridger OS as the core unified platform. The platform enables businesses to automate every payment flow through a codeless, agnostic, and unified system. Key integrated modules include Bridger AI for AI-driven optimization, Bridger Retry™ for intelligent declined transaction recovery, Router for no-code smart payment routing, Bridger 3DS for unified authentication, Checkouts for multiple payment interface options, Bridger Fraud for automated risk protection, and Settlements & Reconciliation for financial operations. Additional capabilities include Point-of-sale Orchestration for omnichannel management and Paywith™ for multi-method payment checkout. The platform connects 1000+ payment providers across 185 countries, supporting 30+ currencies and serving industries including retail, e-commerce, travel, gaming, SaaS, and financial institutions.
Differentiator
Problem solved
Functional benefit
Brands
- Bridger Retry™: AI-driven retry engine that evaluates transaction declines instantly, recovering up to 30% of declined transactions.
- Bridger OS
- Bridger 3DS
- Paywith™
- Bridger AI
- Bridger Connections
Products and services
- Bridger OS Core omnichannel payment orchestration platform that connects all payment providers, gateways, and tools in one place. It intelligently routes transactions, recovers failed payments, automates reconciliation, and provides visibility across online and in-store channels. Built for merchants in retail, travel, SaaS, gaming, and financial services.
- Bridger AI AI-driven routing and performance optimization product that uses artificial intelligence to route transactions for maximum acceptance rates and automated decision-making, including adaptive retries and performance tuning across payment data.
- Bridger Retry™ AI-orchestrated retry product that intelligently overcomes payment declines by evaluating transaction decline codes, payment types, and user patterns to craft optimal retry paths and recover 15-30% of declined transactions.
- Router No-code smart payment routing product with a drag-and-drop builder for tailored routing rules. It directs transaction traffic by location, expense, or type with custom limitations per PSP, country, card brand, and card bin, with A/B testing for retry logic optimization.
- Bridger 3DS Unified payment authentication product providing agnostic 3D Secure authentication across multiple acquirers, eliminating repeated user verification and increasing approval rates by up to 10-12%. Works with any issuing bank from any country and supports all six major credit card schemes.
- Checkouts Payment checkout product offering multiple integration options including embedded checkout, MPI (server-side integration), payment link option, and POS integration for seamless payment experiences.
- Bridger Fraud Automated fraud protection product that reduces fraud and risk through real-time monitoring and anomaly detection capabilities, monitoring for unusual patterns and transaction behaviors.
- Settlements and Reconciliation Financial operations product providing settlement calendar, conflict resolution, and cross-provider alignment automation in real time for accelerated audits and compliance.
- Point-of-sale Orchestration Omnichannel payment orchestration product enabling merchants to manage payments from website, physical stores, and mobile applications through a single dashboard with direct POS connections.
- Paywith™ Multi-method payment checkout product allowing users to complete purchases using any combination of payment methods (credit cards, debit cards, e-wallets) in any configuration they prefer. Available worldwide.
- Bridger Connections Free search engine product featuring 1,000+ built-in payment provider connections that enables businesses to discover payment processors without creating an account.
Quantifiable outcome
- Recover up to 30% of declined transactions with Bridger Retry™
- +5 more outcomes
Companies that use BridgerPay
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles5 records
BridgerPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability4 records
Feature6 records
BridgerPay partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered regional, flagship, core and minor.
- ShvaregionalPartnership with Shva to give Israeli businesses ability to work with local payment infrastructure. New payment method entering Israel.
- Etihad AirwaysflagshipSelected after 8-week proof of concept challenge hosted by HUB71. BridgerPay is rolling out payment orchestration across Etihad's employee travel system iFly, connecting to 350+ payment service providers through single API.
- BtoBetcoreLeading sportsbook provider signed agreement with BridgerPay to simplify bookmakers' market expansion through payment orchestration.
- HUB71coreAbu Dhabi-based startup launchpad. BridgerPay won HUB71 Outliers Challenge competing alongside 250 startups. This partnership enabled BridgerPay to establish UAE operations with new Abu Dhabi office.
- PrestaShopcoreLaunched module integration with PrestaShop, the leading open-source eCommerce solution with nearly 300,000 sites globally. Gives merchants unlimited payment scalability.
- InfiniteminorB2B lead generation agency that generated 163 warm leads for BridgerPay over six-month campaign targeting payment decision-makers across multiple regions.
Scale indicators7 records
Recent moves8 records
Expansion highlights6 records
BridgerPay competitors and assessment
Company assessmentBroad incumbents
- Nuvei: Global payment technology provider with strong iGaming and e-commerce focus offering acquiring, orchestration, and alternative payment method coverage — competes directly for BridgerPay's gaming and retail segments.
- Adyen: Global payments incumbent offering unified acquiring, gateways, and increasingly orchestration features as part of a broader stack — sets the competitive ceiling for stand-alone orchestrators like BridgerPay.
- Stripe: Broad payments platform whose Payment Intent API, Smart Retries, and routing capabilities increasingly overlap with orchestration — competes especially for SMB and SaaS BridgerPay customers.
Direct peers
- Routable: Payment operations platform providing routing and reconciliation infrastructure to platforms and marketplaces, conceptually aligned with BridgerPay's Settlements & Reconciliation and Router modules.
- Spreedly: Payment orchestration and vault platform connecting merchants to multiple gateways and PSPs. Now part of Worldpay, it directly competes in the same PSP-agnostic orchestration niche as BridgerPay.
- Akurateco: White-label payment orchestration and routing platform targeting PSPs and high-risk merchants including iGaming — direct overlap with BridgerPay's gaming vertical focus.
- Primer: Direct payment orchestration competitor offering a unified infrastructure layer connecting multiple PSPs and payment methods, with no-code routing logic — closely mirroring BridgerPay's Bridger OS and Router.
- Cellpoint Digital: Payment orchestration platform with strong focus on travel and airlines — overlapping with BridgerPay's Travel & Hospitality primary vertical and its Etihad Airways win.
- Optile (by Traxpay): Open payment orchestration platform offering smart routing, cascading, and PSP connectivity across Europe — a direct functional competitor to Bridger OS and Bridger Router.
Regional players
- Mamo: UAE/MENA-based payments and orchestration provider; competes regionally with BridgerPay's Abu Dhabi operations and shares the same cross-border, multi-PSP positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
BridgerPay social profiles
Digital presenceBridgerPay compliance and trust
Trust signalCompliance2 records
BridgerPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
BridgerPay leadership team
Management profileNumber of profiles
Profiles3 records
BridgerPay funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BridgerPay 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 BridgerPay
What does BridgerPay do?
BridgerPay provides a modular payment orchestration platform, anchored on Bridger OS, that connects businesses to more than 1,000 payment service providers and 1,000+ payment methods across 185 countries. The platform routes transactions intelligently, recovers failed payments through an AI-driven retry engine, supports 3D Secure authentication, fraud detection, settlement, and reconciliation, and is delivered as PCI DSS Level 1 compliant SaaS with annual subscription pricing.
Is BridgerPay a public or private company?
BridgerPay is a private company. It is classified as venture growth investor backed and is currently operating.
When was BridgerPay founded?
BridgerPay was founded in 2019. It employs 11 to 50 people.
Where is BridgerPay based?
BridgerPay is headquartered in Limassol, Cyprus, in the Europe region.
How does BridgerPay make money?
Two revenue lines are on record. SaaS Subscription is the primary driver. The others are payment Processing Fees.
Who are BridgerPay's main competitors?
Broad incumbents on record are Nuvei, Adyen and Stripe. Direct peers are Routable, Spreedly, Akurateco, Primer, Cellpoint Digital and Optile (by Traxpay). Mamo is listed as a regional player.
Does BridgerPay have an API?
Yes. BridgerPay exposes a public API. Developer documentation is at developers.bridgerpay.com.
What industry is BridgerPay in?
BridgerPay's product category is Payment Orchestration Software. Its primary akta.pro industry code is FSAGABAH, Payment Reconciliation, Reporting & Settlement Infrastructure, with a secondary code of FSAMACAJ, Smart Routing, Cascading & Payment Optimization. Its NAICS code is 522320 and its SIC code is 7370.