Unlimit
Unlimit is a London-founded global fintech that provides cross-border payment processing, multi-currency business accounts, white-label Banking-as-a-Service, and crypto on/off-ramp infrastructure to 50,000+ merchants across eCommerce, gaming, travel, and digital assets in 200+ locations.
- Company typePrivate
- Founded2009
- HeadquartersLondon, United Kingdom
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Unlimit does
Unlimit is a London-headquartered global fintech founded in 2009 that operates a proprietary cross-border payments infrastructure spanning 200+ locations, 150+ currencies, and 1000+ payment methods, with 93 licensed regions and a reported $100B+ in cumulative transaction volume across 50,000+ merchant customers. The company's core technology stack combines direct acquiring licenses, tokenization (Mastercard and Visa TSP certified), regional payment rail integrations (UPI, M-Pesa, SEPA, SWIFT, ACH), and a unified single-API programmable layer that consolidates fragmented payment landscapes. Its regulatory footprint is materially deeper than typical payment facilitators, anchored by FCA authorization in the UK, CySEC crypto-asset registration in Cyprus, RBI Payment Aggregator Cross-Border licensing in India, and PCI DSS Level 1 certification.
The product portfolio is organized around four pillars: Unlimit Payment Processing (merchant acceptance and payouts), Unlimit Accounts (multi-currency IBAN business accounts, virtual and physical cards, spend management), Unlimit BaaS (white-label card issuing deployable in under 90 days via configurable API), and Unlimit Crypto (fiat on/off-ramp for DeFi, GameFi, and NFTs, complemented by the Stable.com non-custodial stablecoin clearing house). Revenue is generated primarily through transaction-based processing fees, with additional streams from BaaS platform and licensing fees, FX margins on multi-currency accounts, and crypto transaction fees. The company employs a hybrid go-to-market combining direct enterprise sales, self-serve API/developer onboarding, and vertical-specific channel partnerships across eCommerce, gaming, travel and hospitality, subscription services, transportation, and entertainment.
The operating model is decentralized across regional entities (Unlimit UK Ltd, Unlimit Crypto Ltd in Cyprus, Unlimint TZ Ltd in Tanzania) with offices in London, Belgrade (R&D), Hong Kong (APAC HQ), Cyprus, and Dar es Salaam. Recent strategic emphasis has been on India market deepening, APAC expansion under new regional leadership, gaming vertical consolidation through the CYGMA partnership, and capability building via a Belgrade-based AI/ML and platform architecture R&D center. The company is privately held with no disclosed venture funding rounds or parent company in the input data.
Unlimit firmographics
Firmographics- Name
- Unlimit
- Legal name
- Unlimit Crypto Ltd
- Website
- https://unlimit.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Unlimit is a London-founded global fintech that provides cross-border payment processing, multi-currency business accounts, white-label Banking-as-a-Service, and crypto on/off-ramp infrastructure to 50,000+ merchants across eCommerce, gaming, travel, and digital assets in 200+ locations.
- Ownership category
- akta.pro rank
Unlimit industry classification
Industry- Product category
- Global Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (522210)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), ACH/Bank Transfer & Open Banking Payments (MPAEALAC), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Virtual Prepaid & Single-Use / Tokenized Cards (FSAMANAJ)
Keywords
Where Unlimit is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices5 records
Markets served
Unlimit business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Supply Chain
Revenue model
- Payment Processing Services: Transaction-based fees for processing payments across 1000+ payment methods globally. Revenue generated from merchant transaction fees with competitive rates tailored for international game studios and cross-border commerce.
- Banking as a Service (BaaS): White-label card issuing and BaaS API platform services with configurable single-stack API. Revenue from platform fees and transaction processing for co-branded physical and virtual cards.
- Multi-currency Account Services: Business account services with multicurrency IBAN accounts, FX conversion, and international transfer services (SEPA, SWIFT, ACH). Revenue from FX margins and transfer fees.
- Crypto On/Off-ramp Services: Fiat on and off-ramp services for cryptocurrency including NFT marketplaces and GameFi platforms. Revenue from transaction fees on crypto-to-fiat conversions.
- White-label Crypto Card Solutions: Infrastructure solutions enabling tech startups, exchanges, neobanks, and Web3 projects to issue branded physical and virtual cards integrated with major payment networks. Revenue from licensing and processing fees.
- Stablecoin Clearing House: Non-custodial stablecoin swap platform with gasless conversions and global local currency off-ramps leveraging Unlimit's fintech infrastructure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Enterprise/Business tier with full product suite |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels5 records
Unlimit product offering
Product offeringCore offering
Unlimit operates a global proprietary payments infrastructure that enables businesses to accept payments in 150+ currencies across 200+ locations using 1000+ payment methods, eliminating intermediaries through its own network of 93 regulatory licenses. Its portfolio spans payment processing, multi-currency business accounts with cards, a Banking-as-a-Service API platform for white-label card issuing, and crypto fiat on/off-ramp services (including the Stable.com stablecoin clearing house), targeted at eCommerce, gaming, travel, subscription, transportation, and entertainment merchants worldwide.
Product overview
Unlimit is a global financial infrastructure company offering a comprehensive suite of interconnected payment products. The portfolio consists of four core offerings: Unlimit Payment Processing (payment acceptance across 1000+ methods globally), Unlimit Accounts (multi-currency business accounts with spend management), Unlimit BaaS (white label card issuing API platform), and Unlimit Crypto (fiat on/off-ramp for DeFi, NFTs, and gaming). These are supplemented by Stable.com (decentralized stablecoin clearing house), specialized sub-products for payouts and payment methods, and module add-ons including white label card issuing, spend management, and NFT/GameFi services. The platform serves eCommerce, gaming, travel, subscription services, transportation, and entertainment industries across LATAM, APAC, Africa, Europe/UK, and India.
Differentiator
Problem solved
Functional benefit
Brands
- Stable.com: Non-custodial stablecoin platform for gasless, zero-commission stablecoin swaps with global local currency off-ramps.
Products and services
- Unlimit Payment Processing Global payment processing platform enabling merchants to accept payments anywhere by accessing over 1000+ payment methods across 200+ locations in 150+ currencies, eliminating payment complexities through local licenses and alternative payment methods.
- Unlimit Accounts Multi-currency business account platform providing borderless payments, global and local currency accounts, virtual and physical cards, spend management, and integrations with accounting software (Quickbooks, Xero, Osome). Supports SWIFT, SEPA Instant, and ACH transfers.
- Unlimit Banking as a Service (BaaS) Configurable API platform for white label card issuing and payment rails. Allows design, launch, and distribution of co-branded physical and virtual cards in less than 90 days with single contract and stackable API.
- Unlimit Crypto Fiat on and off-ramp solution for DeFi, GameFi, and NFTs enabling users to trade using global currencies through e-wallets, QR codes, cash, and instant bank transfers. Includes NFTs, GameFi, and Off-ramp services with customisable interfaces.
- Stable.com Decentralized stablecoin clearing house enabling non-custodial stablecoin swaps with gasless conversions and zero-commission trades. Provides direct off-ramps to over 150 local currencies leveraging Unlimit's global payments infrastructure.
- Unlimit Payouts Payment payout services enabling businesses to send payments to customers, employees, or contractors globally with support for multiple currencies and payment methods.
- Unlimit Payment Methods Portfolio of over 1000+ payment methods including digital wallets, mobile payments, cash, cards, and bank transfers spanning Africa, APAC, LATAM, EU, and India regions.
Quantifiable outcome
- 100B+ transaction volume processed globally
- +2 more outcomes
Companies that use Unlimit
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles3 records
Unlimit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
AI capability4 records
Feature9 records
Unlimit partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and strategic.
- BrevistaycoreUnlimit partnered with Brevistay to provide payment infrastructure for India's micro-stay hotel booking platform. The partnership enables Breivistay to access UPI and global card networks through Unlimit's unified programmable layer, eliminating fragmentation in India's payment landscape. Unlimit's regulatory depth and global license portfolio support Breivistay's expansion domestically and internationally.
- CYGMA (Cyprus Game Makers Association)coreUnlimit named Strategic Global Fintech Partner for CYGMA, providing the organization's members with dedicated global payment infrastructure and fintech support. CYGMA represents Cyprus' gaming sector comprising over 300 game studios generating approximately $1.6 billion in annual revenue. CYGMA members receive exclusive benefits including industry-specific payment solutions, dedicated account management, fast online onboarding, and competitive fees tailored for international game studios.
- Major Payment Networks (Visa, Mastercard, UnionPay, JCB, American Express)coreUnlimit is a member of major payment card associations including Visa, Mastercard, UnionPay, JCB, and American Express. The company obtained Token Service Provider certification from Mastercard and Visa in India, enhancing secure digital payment services at scale.
- ShipAfricastrategicUnlimit partnered with ShipAfrica to enhance cross-border commerce and expand payment access across Africa. The partnership aims to strengthen payment solutions and facilitate international trade within the region.
- ApplecoreUnlimit offers Apple Pay as a payment method for disbursements. Integration allows retail customers to transfer fiat funds to Apple Pay cards, providing a seamless and secure way for users to access funds after converting cryptocurrency holdings back into traditional currency.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
Unlimit competitors and assessment
Company assessmentDirect peers
- dLocal: dLocal is a cross-border payment processor focused on emerging markets (LATAM, Africa, APAC), enabling global merchants to accept local payment methods — directly comparable to Unlimit's proprietary licensing-led emerging-markets model.
- Checkout.com: Checkout.com is a global unified payments processor offering card acquiring, alternative payment methods, and BaaS APIs across 150+ currencies, serving enterprise merchants worldwide — closely matching Unlimit's product breadth and target customer base.
- Nuvei: Nuvei is a global payment technology company offering acquiring, processing, BaaS, and crypto on/off-ramps with a strong gaming and eCommerce vertical focus — directly competing with Unlimit across multiple product lines and verticals.
- PayU: PayU is a global online payment service provider with deep emerging-market presence (especially India, LATAM, Africa), offering acquiring, payouts, and credit — highly comparable to Unlimit's emerging-markets payment processing focus.
- Mollie: Mollie is a European payment service provider offering multi-currency payment processing, multi-currency accounts, and card issuing via APIs — a comparable mid-market PSP with similar developer-led GTM.
- Marqeta: Marqeta is a card-issuing platform powering modern card programs for fintechs, neobanks, and Web3 companies via a configurable open API — directly comparable to Unlimit's BaaS white-label card issuing offering.
- PingPong Payments: PingPong is a cross-border payment platform enabling global merchants to accept local payment methods and receive payouts in their home currency — directly comparable to Unlimit's cross-border acquiring and payouts business.
Broad incumbents
- Stripe: Stripe is the largest global online payment processor offering payment acceptance, Stripe Issuing for card programs, and Connect for marketplaces — a much larger, broader incumbent that competes with Unlimit across most of its product surface.
- Adyen: Adyen is a leading global payments platform serving enterprise merchants with unified acquiring, processing, and issuing across multiple regions — a broad incumbent directly competing with Unlimit's payment processing and BaaS offerings.
Emerging players
- Circle: Circle is a regulated stablecoin issuer (USDC) building infrastructure for stablecoin payments and on/off-ramps — an adjacent player with overlap to Unlimit's Stable.com stablecoin clearing house and crypto off-ramp business.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Unlimit social profiles
Digital presenceUnlimit compliance and trust
Trust signalCompliance5 records
Unlimit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Unlimit leadership team
Management profileNumber of profiles
Profiles6 records
Unlimit subsidiaries and ownership
Company hierarchySubsidiaries1 record
Unlimit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Unlimit M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Unlimit
What does Unlimit do?
Unlimit operates a global proprietary payments infrastructure that enables businesses to accept payments in 150+ currencies across 200+ locations using 1000+ payment methods, eliminating intermediaries through its own network of 93 regulatory licenses. Its portfolio spans payment processing, multi-currency business accounts with cards, a Banking-as-a-Service API platform for white-label card issuing, and crypto fiat on/off-ramp services (including the Stable.com stablecoin clearing house), targeted at eCommerce, gaming, travel, subscription, transportation, and entertainment merchants worldwide.
Is Unlimit a public or private company?
Unlimit is a private company. It is classified as unknown and is currently operating.
When was Unlimit founded?
Unlimit was founded in 2009. It employs 501 to 1,000 people.
Where is Unlimit based?
Unlimit is headquartered in London, United Kingdom, in the Europe region.
How does Unlimit make money?
Six revenue lines are on record. Payment Processing Services are the primary driver. The others are banking as a Service (BaaS), multi-currency Account Services, crypto On/Off-ramp Services, white-label Crypto Card Solutions and stablecoin Clearing House.
Who are Unlimit's main competitors?
Direct peers on record are dLocal, Checkout.com, Nuvei, PayU, Mollie, Marqeta and PingPong Payments. Broad incumbents are Stripe and Adyen. Circle is listed as an emerging player.
Does Unlimit have an API?
Yes. Unlimit offers an API platform for developers to integrate payment processing, banking-as-a-service, and crypto services. The platform provides white label card issuing, multi-currency IBAN accounts, payment rails, and various payment method integrations through programmable APIs. Developer documentation is at integration.unlimit.com.
What industry is Unlimit in?
Unlimit's product category is Global Payment Infrastructure. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 522320 and its SIC code is 6199.