What Katanox does

Katanox is a B2B financial infrastructure platform serving the hospitality industry, headquartered in Amsterdam with operational hubs in New York and London. The company combines payment rails, settlement, and booking connectivity into a single API-first platform designed to replace fragmented legacy systems — specifically virtual credit cards (VCCs), card networks, and multiple intermediary integrations — with direct account-to-account (A2A) bank transfers between hotels and travel agents. Its platform operates through two integrated workspaces: Katanox Trading (distribution connectivity for hotels, TMCs, OTAs, and corporate buyers) and Katanox Finance (payments, reconciliation, and payouts), supported by deep integrations with six PMS/CRS systems including Oracle Opera Cloud, Mews, Cloudbeds, Apaleo, Clock PMS+, and Guestline.

The underlying technology is an automation-first architecture processing high-frequency booking and payment data with low latency, featuring real-time fraud detection, dynamic exposure management with 365-day capital simulations, and a harmonized API layer designed for AI-agent consumption. Regulatory infrastructure includes a PSD2 payment institution license covering the EEA (2021), US MSB registration (2023), and FCA authorization for the UK (2025), enabling compliant cross-border payment services. In February 2025, Katanox launched Katanox Capital, an embedded payment advance product that funds hotel payouts on behalf of travel agents with consolidated monthly settlement, introducing a capital-intensive dimension to the business.

Revenue is generated through transaction fees on A2A payments (positioned below the 2.5–3% VCC benchmark), subscription/access fees for the Trading and Finance workspaces, and transparent per-settlement financing fees on Katanox Capital advances. The customer base spans hotel chains, independent properties, travel management companies, OTAs, and corporate buyers, with named enterprise adopters including Wyndham Hotels & Resorts, Travelodge, and Navan. The company was founded in 2020, operates with 11–50 employees, and has raised approximately $7 million in disclosed funding.

Name

Katanox

Legal name

Katanox Financial Technology B.V.

Website

https://katanox.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Katanox provides API-first financial infrastructure for the hospitality industry, combining payment rails, settlement, and booking connectivity into a single platform that replaces virtual credit cards with direct account-to-account bank transfers. It serves hotels, travel management companies, and online travel agencies across the EEA, UK, and US.

Ownership category

akta.pro rank

Product category

Hospitality Financial Infrastructure

akta.pro primary industry

Corporate Travel Payment Orchestration & Routing (Multi-issuer, Multi-rail) (THACAJAD)

akta.pro secondary industries

Accounts Payable Automation & Invoice Payments for Travel Suppliers (THACAJAI), Fraud Prevention, Controls & Compliance (MCC controls, AML/KYC, SCA) (THACAJAG), Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)

Keywords

• Hospitality payments infrastructure
• Travel distribution platform
• Embedded payment advances
• Account-to-account payments
• Hotel booking connectivity

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment processing and settlement fees: Katanox charges fees on B2B payment transactions processed through its platform. The platform replaces card networks (VCCs) with direct bank account-to-account (A2A) transfers, charging lower fees than the 2.5-3% VCC transaction costs hotels currently pay. Transaction fees are a primary revenue driver as the platform processes payments between hotels and travel agents.
2. Katanox Capital financing fees: Katanox Capital embeds liquidity into payments by advancing funds to hotels on behalf of travel agents. Transparent fees are applied to each recurring settlement (monthly). The fee depends on the travel agent's terms and transaction volume, and is clearly itemized in consolidated monthly statements. This creates a recurring fee stream tied to transaction volume and capital advanced.
3. Platform subscription / access fees: Hotels and travel agents pay for access to the unified Katanox platform covering distribution connectivity, payment services, and capital. Given the B2B nature and API-first approach, this likely includes subscription or licensing fees for platform access, particularly for the Trading and Finance workspaces.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Katanox provides a unified API-first platform that combines hotel-to-travel-agent distribution connectivity with account-to-account (A2A) payment processing, reconciliation, and embedded payment advances, replacing legacy virtual credit card (VCC) rails with direct bank-to-bank transfers. The offering includes three commercial product surfaces — Payment Services, Distribution, and Katanox Capital — accessible via direct API integration, web-based Trading and Finance workspaces, and pre-built PMS/CRS connectors. It is sold to hotels, hotel chains, TMCs, OTAs, and corporate travel buyers across licensed jurisdictions (EEA, UK, US).

Product overview

Katanox is a unified hospitality financial infrastructure platform combining two core products — Katanox Trading (distribution) and Katanox Finance (payments) — into a single integrated environment that connects supply and demand while automating the flow of funds from booking through settlement. Katanox Trading handles end-to-end distribution, enabling accommodation suppliers and travel buyers to establish direct partnerships, manage contracts, set rates, and process bookings without intermediaries. Katanox Finance delivers the payment and settlement layer, encompassing Payment Services (account-to-account payouts replacing virtual credit cards with guaranteed, low-cost direct bank transfers) and Katanox Capital (an embedded payment advance solution that pays hotels upfront on behalf of travel agents, with consolidated monthly settlement for agents). Both products share a unified data layer and API, ensuring booking and financial data are harmonized from PMS/CRS through to reconciliation.

Differentiator

Problem solved

Functional benefit

Brands

• Katanox Capital: Embedded payment advance solution that provides guaranteed payouts to hotels and extended liquidity for travel agents through monthly settlement.
• Katanox Trading
• Katanox Finance

Products and services

• Payment Services Account-to-account (A2A) payment services that replace virtual credit cards and card networks with automated direct bank-to-bank transfers. Provides guaranteed payouts to hotels upon booking materialization, automated reconciliation of partner commissions, and daily batch payment processing across EEA, UK, and US licensed entities. Designed for hotels, hotel chains, TMCs, and OTAs seeking to lower payment costs below the 2.5-3% VCC benchmark.
• Distribution End-to-end direct distribution functionality that eliminates unauthorized rate redistribution and removes intermediaries from the hotel-to-travel-agent booking flow. Enables hotels to control inventory and offer all rate types (loyalty, prepaid, corporate, BAR), and provides travel buyers with direct access to hundreds of partners via a single API connection.
• Katanox Capital An embedded payment advance solution that advances funds to hotels on behalf of travel agents at booking materialization, enabling hotels to receive guaranteed daily payouts while travel agents settle advanced transactions monthly on a consolidated basis. Features dynamic exposure management that differentiates refundable from non-refundable bookings to optimize capital allocation, with a 365-day simulation ensuring total outstanding obligations never exceed capital allocation.
• Katanox Finance Workspace Unified web-based finance workspace providing hospitality operators with automated daily batch payouts, net settlement, consolidated commission and reconciliation reporting, and audit-ready financial data. Integrates directly with PMS, CRS, contracting, booking, and banking systems to eliminate manual reconciliation across multiple disconnected tools.
• Katanox Trading Workspace Unified web-based distribution and trading workspace enabling accommodation suppliers and travel buyers to connect, collaborate, and transact directly. Supports partnership setup, contract management, booking creation, rate plan distribution, and policy configuration including corporate negotiated rates (CNRs) through a single interface.

Quantifiable outcome

• Hotels can increase net booking value by approximately $15-$20 per booking with an average daily rate of $150-$200
• +5 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability3 records

Feature10 records

Partnerships

Seven partnerships are on record, tiered flagship and core.

• SelfbookflagshipStrategic or Co-development Partner · 20 November 2025Strategic partnership between Katanox (hospitality financial infrastructure) and Selfbook (AI-native booking and payments platform powering the Direct Distribution Network). Combines Selfbook's modern payment and booking experience with Katanox's real-time financial and distribution backbone. Creates a unified, structured, and transparent process from reservation to payment and settlement. Early adopters include Wyndham Hotels & Resorts. Particularly significant as industry transitions to agentic AI systems.
• UK Financial Conduct Authority (FCA)coreOthers · 7 July 2025Katanox received FCA (Financial Conduct Authority) authorization in 2025 to offer payment services in the United Kingdom, extending regulatory coverage beyond the EEA. This enables hotels and travel agencies in the UK to access Katanox's payment infrastructure under FCA regulatory oversight.
• TravelodgeflagshipStrategic or Co-development Partner · 24 June 2025Leading UK budget hotel chain partnered with Katanox to give TMCs better access to Travelodge's inventory of 47,000+ rooms across 600+ hotels in the UK, Republic of Ireland, and Spain. The integration enables amendable bookings, richer content with visuals and descriptions, simplified booking processes, and direct payment connectivity. TMCs can now connect with Travelodge through Katanox's platform, expanding the hotel chain's distribution reach to more corporate clients.
• NavancoreChannel Partner/ Reseller/ Distributor · 24 June 2025Navan is the first TMC to integrate with Travelodge via the Katanox platform, gaining access to new rate plans, amendable bookings, and improved Travelodge content. The partnership gives Navan's customers access to Travelodge hotels across the UK, Spain, and Ireland with enhanced booking flexibility and simplified payment processes. Navan's CEO cited this as an important step in building the best product for local markets.
• Wyndham Hotels & ResortscoreTechnology or Integration · 4 November 2024Wyndham is cited as an early adopter of the Katanox-Selfbook integration functionality. The company's SVP Revenue Management & Distribution publicly endorsed Katanox's vision. Wyndham is also cited in industry context alongside Marriott as hotels navigating AI distribution strategy, indicating strategic importance of Katanox's infrastructure for major global hotel chains.
• US Financial Crimes Enforcement Network (FinCEN) (for MSB registration)coreOthers · 1 January 2023Katanox received US MSB (Money Services Business) registration in 2023, enabling the company to offer payment services in the United States under US financial regulations.
• Dutch National Bank (for PSD2 license)coreOthers · 1 January 2021Katanox Financial Technology B.V., a company within the Katanox group, secured a PSD2 payment institution license from the Dutch National Bank in 2021, enabling regulated payment services across the European Economic Area. This regulatory partnership/license enables the company to offer compliant A2A payment services in the EEA.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• HotelBeds: HotelBeds is a B2B hotel distribution platform serving travel buyers with inventory and payment intermediation. It is the closest direct competitor to Katanox's Trading workspace in connecting accommodation suppliers to TMCs/OTAs, though it operates on a more traditional intermediated model rather than direct A2A rails.
• TravelgateX: TravelgateX provides B2B travel marketplace connectivity and APIs linking hotels, bedbanks, OTAs, and TMCs. Comparable to Katanox in offering a single API to multiple accommodation partners, though it focuses on connectivity rather than regulated payments infrastructure.
• Juniper Travel Technology: Juniper provides booking platforms and payment processing for the travel industry, including hotels and TMCs. Comparable to Katanox in combining distribution and payment functionality aimed at hotels and travel buyers.
• RateGain: RateGain offers hotel distribution, revenue management, and connectivity solutions including payment-adjacent functionality. Overlaps with Katanox on the distribution side and serves similar hotel and travel-buyer segments globally.
• SiteMinder: SiteMinder is a hotel distribution and revenue platform connecting accommodation suppliers to booking channels. Comparable to Katanox Trading in providing hotel-side connectivity and channel management, though it does not provide the regulated payments layer.

Broad incumbents

• Stripe: Stripe is a broad payments infrastructure provider moving into embedded B2B and travel payments. Competes with Katanox on payment rails and developer-first GTM, though it does not yet offer hospitality-specific distribution or A2A replacement of VCCs.
• Adyen: Adyen is a global payments platform cited in Katanox's own industry data (31% reconciliation burden study). It competes with Katanox on the payments side across hospitality and broader travel, with deeper balance sheet, broader acquiring licenses, and existing hotel chain relationships.

Emerging players

• Duve: Duve is a guest experience and check-in/out platform for hotels that increasingly overlaps with front-end payment and upsell functionality. Comparable to Katanox as an emerging hospitality-tech layer focused on improving guest transaction flows.
• Mews: Mews is a PMS platform that is both a Katanox integration partner and a competing payments provider (Mews Payments). Comparable as a property-system layer that increasingly bundles payments, representing both a partnership opportunity and a competitive threat.
• Selfbook: Selfbook is Katanox's strategic partner for AI-native booking and payments on the hotel direct channel. Comparable as an emerging player in hospitality commerce targeting the same agentic-AI thesis, with Katanox providing the financial backbone behind Selfbook's front-end experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/katanox

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds3 records

Investors1 record

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 Katanox