What Akurateco does

Akurateco is a payment orchestration platform provider founded in 2019 and legally domiciled in Tallinn, Estonia (Akurateco Partners OÜ), with operational and customer-support functions in Samora Correia, Portugal (Akurateco Lab, Informatica Unipessoal LDA) and primary engineering based in Ukraine. The company targets three primary customer segments — Payment Service Providers (PSPs), enterprise merchants, and banks/acquirers — with a secondary focus on marketplaces and platforms. Named reference customers include Dinero Pay (Saudi Arabia), TESS Payments (Qatar), AzeriCard (Central Asia), and Platon (Eastern Europe), indicating geographic concentration across MENA, Eastern Europe, and Central Asia.

The platform centers on three interconnected products: a PCI DSS Level 1 certified White-Label Payment Gateway that enables PSPs and banks to launch branded payment businesses, a Payments Orchestration Platform that consolidates multiple PSPs, acquirers, and payment methods behind a single integration with intelligent routing and cascading/failover, and white-label Payment Infrastructure for Banks. Supporting modules include Intelligent Payment Routing, Tokenization, Payment Fraud Prevention (150+ ML-based rules with 3D-Secure 2.0), Merchant Management, Billing and Smart Invoicing, Admin Panel, Connectivity Box, and Mobile SDKs for iOS and Android. The platform integrates 650+ payment connectors (Mastercard, Visa, Stripe, Adyen, PayPal, Worldline, Flutterwave, Klarna, PPRO, PayU, Google Pay, Apple Pay, and regional acquirers). Deployment options span SaaS, on-premise, and cloud-agnostic configurations.

Akurateco operates on a subscription-based revenue model with monthly platform fees that scale with transaction volume, integration count, and enabled modules, supplemented by setup fees and professional services for custom connector work and on-premise deployment. An affiliate program pays $200 per sales-qualified lead via HubSpot-tracked referrals. Go-to-market is enterprise sales-led with personalized demos and a "Payment Team as a Service" support model, supplemented by content marketing, industry events, SEO-driven comparison content, and PR placements in Forbes, Finextra, The Paypers, Sifted, PYMNTS, and TechRadar. The company is bootstrapped, employing 46 people as of 2025 with $5.1M ARR, and has historically taken only small checks from Startup Wise Guys (cumulative disclosed funding under $500K).

Name

Akurateco

Legal name

Akurateco Partners OÜ

Website

https://akurateco.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Akurateco is a bootstrapped payment orchestration platform offering PCI DSS Level 1 certified, white-label gateway software and a 650+ connector orchestration layer for PSPs, banks, and enterprise merchants across MENA, Europe, Asia, and Latin America, generating $5.1M ARR with 46 employees.

Ownership category

akta.pro rank

Product category

Payment Orchestration Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Tokenization, Network Vaults & Credential Management (FSAGABAF), Payment Gateways & Orchestration (BPAMAFAA), Card Issuing & Program Management Platforms (BPAMAFAH), Smart Routing, Cascading & Payment Optimization (FSAMACAJ)

Keywords

• Payment orchestration
• White-label gateway
• Payment infrastructure
• Merchant management
• Fraud prevention

Headquarters

HQ city

Santarém

HQ country

Portugal

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Platform Subscription: Monthly platform fee that scales with usage including transaction volume, number of integrations, and enabled modules. Setup fee based on scope plus ongoing subscription.
2. Professional Services: Custom connector integrations priced separately. On-premise deployment services and implementation support.
3. Affiliate Referrals: Revenue sharing through affiliate program - $200 per qualified lead introduced by partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels6 records

Core offering

Akurateco sells a PCI DSS Level 1-certified white-label payment gateway and payment orchestration platform that lets PSPs, banks, and enterprise merchants launch and operate payment services under their own brand. The software centralizes management of multiple PSPs, acquirers, and payment methods through 650+ pre-integrated connectors, with intelligent routing, cascading, retries, tokenization, ML-based fraud prevention, real-time analytics, and a mobile SDK, available as SaaS or on-premises deployment.

Product overview

Akurateco is a white-label payment software provider offering a comprehensive payment platform with 650+ payment connectors. The core product portfolio centers on three interconnected solutions: the White-Label Payment Gateway (PCI DSS-compliant, ready-to-use software for PSPs), the Payments Orchestration Platform (intelligent routing and multi-PSP management for merchants), and Payment Infrastructure for Banks (white-label platform for financial institutions). These are complemented by the Mobile SDK for mobile app integration and Merchant Management System for PSP operations. The platform provides essential payment services including Intelligent Payment Routing with cascading and failover, Payment Fraud Prevention with ML-based detection, Tokenization for secure credential storage, Payment Analytics for real-time insights, Admin Panel for transaction monitoring, Billing and Smart Invoicing, Connectivity Box for cross-platform data sharing, Customizable Payment Dashboard, and PayFac as a Service. Deployment options include SaaS and On-Premises models. Key differentiators include 650+ ready-to-use payment connectors, PCI DSS Level 1 certification, two-week time to market, and AI-driven optimization achieving up to 30% higher approval rates.

Differentiator

Problem solved

Functional benefit

Products and services

• White-Label Payment Gateway PCI DSS Level 1-compliant, fully brandable payment gateway software that lets payment service providers launch and operate their own branded payment business with zero capital expenditure and approximately two-week time to market, with Akurateco providing software development, infrastructure maintenance, and technical support.
• Payments Orchestration Platform Centralized orchestration solution for online merchants that manages multiple PSPs, acquirers, and payment methods through a single integration, with intelligent routing, cascading, retries, failover, and unified reporting across providers.
• Payment Infrastructure for Banks White-label platform for banks and acquirers that upgrades legacy payment systems, improves merchant management, and streamlines payment processes through orchestration capabilities tailored to financial institutions.
• On-Premises Deployment Deployment option that maximizes security and compliance by hosting the Akurateco platform on the client's regional cloud or dedicated infrastructure, supporting all major payment providers.
• PayFac as a Service Payment facilitator service that enables businesses and platforms to process payments on behalf of merchants on their platform or marketplace, unlocking additional revenue streams.
• White Label Fintech Solutions Comprehensive suite of white-label fintech solutions for businesses seeking to offer branded financial services beyond core payment processing.

Quantifiable outcome

• Approval rates can improve from 50% to 70% with properly configured orchestration
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

AI capability5 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• SmilepayzcoreTechnology or Integration · 16 March 2026Smilepayz integration expands Akurateco's global payment ecosystem across Asia and Latin America. Merchants, PSPs, and financial institutions gain access to localized deposit and withdrawal solutions in nine high-growth markets including Indonesia, Thailand, Philippines, India, Vietnam, Brazil, Peru, Colombia, and Mexico.
• KushkicoreTechnology or Integration · 11 March 2026Strategic partnership integrates Kushki's payment infrastructure—including local acquiring capabilities and alternative payment methods—into Akurateco's orchestration platform. Enables PSPs, merchants, and financial institutions to access Latin American market through a single unified integration, optimizing payment performance and improving authorization rates.
• YowpaycoreTechnology or Integration · 6 January 2026Partnership integrates Yowpay's SEPA orchestration capabilities into Akurateco's payment platform. Enables Akurateco's clients—including PSPs, enterprise merchants, and banks—to access SEPA payments as an alternative payment method within their existing infrastructure, targeting revenue opportunities in the European eurozone market.
• CloudflarecoreTechnology or Integration · 1 January 2026Cloudflare partnership enhances Akurateco's infrastructure performance and security. Services include Layer 7 load balancing, Argo Smart Routing, and security features. Partnership reduced latency by up to 35% during peak transaction periods while providing always-on WAF, Rate Limiting, and Bot Management protection.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Stripe: Stripe is a global payments incumbent whose Stripe Connect and orchestration-adjacent capabilities overlap with Akurateco's orchestration platform. It is a broader competitor rather than a direct niche match, with far greater scale and brand.
• ACI Worldwide: ACI Worldwide is a large incumbent providing real-time electronic payment processing and merchant acquiring solutions. It competes broadly in the same payment orchestration and processing space as Akurateco, with deeper enterprise reach but less agility.
• Adyen: Adyen is a global payments platform offering unified acquiring, processing and orchestration-style functionality. It competes broadly with Akurateco in enterprise payments, though Akurateco differentiates on white-label resellability.

Direct peers

• Primer: Primer offers a unified payment infrastructure platform with smart routing, retries and unified reconciliation. It is a direct orchestration competitor to Akurateco, targeting enterprise merchants globally with VC funding.
• NMI: NMI is a payment gateway and PSP enablement platform with broad ISV/ISO distribution. It is comparable to Akurateco's white-label gateway and merchant management modules, though more established in North America.
• Spreedly: Spreedly provides payment orchestration, vaulting and gateway/PSP routing infrastructure. It is a direct peer to Akurateco on tokenization, network vaulting, and multi-PSP orchestration for enterprise merchants.
• Gr4vy: Gr4vy is a cloud-native payment orchestration platform providing no-code routing and orchestration for merchants. It competes with Akurateco's orchestration offering on smart routing and multi-PSP management.
• IXOPAY: IXOPAY is a payment orchestration platform offering tokenization, smart routing, and multi-acquirer management. It directly competes with Akurateco on orchestration features and serves a similar mix of PSPs and enterprise merchants.
• Cellpoint Digital: Cellpoint Digital is a payment orchestration platform offering smart routing, tokenization and PSP-agnostic workflows. It competes directly with Akurateco on orchestration features for merchants and travel platforms.

Regional players

• Solidgate: Solidgate is a payment orchestration and gateway provider focused on Eastern Europe and emerging markets. It is comparable to Akurateco on white-label gateway and orchestration in overlapping geographies such as Ukraine, CEE and CIS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/akurateco-white-label-payment-platform
• Xx.com/_Akurateco

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors2 records

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 Akurateco