Splink
Splink is a Dublin-based fintech founded in 2021 that provides white-label payment infrastructure for banks, ISOs, MSPs, and developers alongside a self-serve SMB payments platform with subscription tiers from €10 to €250 per month.
- Company typePrivate
- Founded2021
- HeadquartersDublin, Ireland
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Splink does
Splink Limited is an Irish fintech company founded in 2021 and headquartered in Dublin, operating a dual-architecture payments platform built entirely in-house. The first motion is a product-led, self-serve SMB payments platform accessible at splink.io with a 30-day free trial and three subscription tiers (Starter at €10/month, Professional at €39/month, Enterprise at €250+/month), offering card payments, payment requests and invoicing via SMS/email, recurring/subscription billing, QR codes, NFC tap-to-pay, virtual terminal, open banking, and an e-commerce checkout. The second motion is a white-label payments infrastructure for banks, ISOs, MSPs, and application developers, delivered via an Open Fintech API and a processor-agnostic architecture that routes transactions across Stripe, eMerchant Pay, AIBMS, BOIPA, TSYS, and MasterCard. The white-label package includes a promo site, admin console, payment portal, client dashboard, and custom-branded iOS/Android apps, with a 30-60 day onboarding cycle and multi-year contracts.
Revenue is generated through tiered monthly subscription fees, percentage-based transaction fees ranging from 0.3% (Enterprise) to 0.8% (Starter), and custom white-label licensing. Splink is PCI-DSS Level 1 and GDPR compliant, integrates with QuickBooks, Xero, and major CRMs, and supports payments across 130+ countries. The company has processed €500m+ in transaction volume to date, raised €1 million in seed funding in June 2023 from Airstream Ventures and Enterprise Ireland, and operates with a 1-10 person team from Two Haddington Buildings, 20 Haddington Road, Dublin.
Splink firmographics
Firmographics- Name
- Splink
- Legal name
- Splink Limited
- Website
- https://splink.io
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Splink is a Dublin-based fintech founded in 2021 that provides white-label payment infrastructure for banks, ISOs, MSPs, and developers alongside a self-serve SMB payments platform with subscription tiers from €10 to €250 per month.
- Ownership category
- akta.pro rank
Splink industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
- akta.pro secondary industries
- A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)
Keywords
Where Splink is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices1 record
Markets served
Splink business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription Fees: Monthly subscription fees for platform access across Starter (€10/month), Professional (€39/month), and Enterprise (€250+/month) tiers. Fees include platform access, user seats, and feature sets varying by tier.
- Transaction Fees: Percentage-based transaction fees charged on each payment processed, ranging from 0.3% to 0.8% depending on subscription tier. Additional per-transaction fees (e.g., €0.25) may apply. Stripe and other processor fees are passed through to customers separately.
- White-Label Licensing: Custom white-label pricing for partners (banks, ISOs, MSPs, developers) seeking to deploy branded payment solutions under their own brand. Includes full infrastructure access, custom domain, and dedicated support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Starter tier for small businesses - €10/month with 0.8% transaction fee |
| Subscription | Monthly | Professional tier for growing businesses - €39/month with 0.5% transaction fee |
| Subscription | Monthly | Enterprise tier for large organizations - €250+/month starting with 0.3% transaction fee |
| Hybrid | Multi-year contract | White-Label custom pricing for partner deployment |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Splink product offering
Product offeringCore offering
Splink operates a payment processing platform that enables businesses to accept, send and manage payments via cards, open banking, QR, tap-to-pay, recurring billing and virtual terminal channels. It sells both a direct SMB payment product (with Starter, Professional and Enterprise subscription tiers) and a white-label payments infrastructure that banks, ISOs, MSPs and developers can rebrand as their own fintech business, all built on a processor-agnostic architecture integrating multiple acquirers.
Product overview
Splink is a Dublin-based fintech company offering a dual-architecture payments platform: a direct SMB product (Starter, Professional, Enterprise tiers from €10-€250/month) providing card payments, payment requests, open banking, recurring payments, virtual terminal, QR codes, and tap-to-pay; and a White-Label Payments Infrastructure for partners (Banks, ISOs, MSPs, developers) who want to brand the platform as their own. The white-label offering includes custom iOS/Android apps, admin console, client dashboard, and promotional site. The platform processes over €500m annually with transaction fees from 0.3%-0.8%, supports 130+ countries, and integrates with QuickBooks, Xero, and major CRM platforms.
Differentiator
Problem solved
Functional benefit
Products and services
- Splink SMB Payment Platform A subscription-based payment platform for small and medium businesses that enables accepting card payments, sending payment requests and invoices, recurring/subscription billing, QR payments, mobile tap-to-pay, virtual terminal, and simple e-commerce checkout through a unified omnichannel dashboard.
- White-Label Payments Infrastructure A PCI-compliant white-label fintech platform that lets banks, ISOs, MSPs and developers launch their own branded digital payments business, including a promotional site, admin console, payment portal, client dashboard and custom branded iOS/Android apps, with 30–60 day rollout.
- Splink Payment App A mobile app that turns a smartphone into a virtual card terminal supporting tap-to-pay (NFC), QR scan and in-person payments, available on iOS and Android.
- Open Fintech API A processor-agnostic REST API that enables partners and developers to embed Splink payment capabilities — card fields, open banking, recurring billing, payment requests — into their own platforms, with full access on the Enterprise tier and white-label deployments.
Quantifiable outcome
- €500m+ processed for businesses globally in current year
- +5 more outcomes
Companies that use Splink
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Splink technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature10 records
Splink partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- StripecoreStripe is a primary payment processor integrated into Splink's platform. Splink works with Stripe as one of multiple processor options, allowing customers to choose their preferred processor or use Splink's integrated partners.
Scale indicators5 records
Recent moves5 records
Expansion highlights6 records
Splink competitors and assessment
Company assessmentDirect peers
- Stripe: Stripe is Splink's primary underlying processor and most direct competitor. Both provide card processing, API-based payment integration, and a developer-first platform targeting SMBs and enterprises. Stripe's Connect product directly competes with Splink's white-label/embedded finance offering.
- SumUp: SumUp provides mobile card readers, POS terminals, and payment processing for SMBs across Europe with similar feature coverage (tap-to-pay, payment links, invoicing). Splink and SumUp compete head-to-head for the same European SMB segment Splink targets via its Starter and Professional tiers.
- Zettle (PayPal): PayPal-owned Zettle provides mobile card readers and POS solutions for SMBs across Europe with comparable features to Splink's Professional tier — tap-to-pay, payment links, and e-commerce checkout — targeting the same small-business customer profile.
- Mollie: Mollie is a European payment processor offering multi-method payment acceptance (cards, SEPA, iDEAL, Klarna) to SMBs and platforms via API. Its focus on European SMBs and developer-friendly APIs makes it a direct comparable to Splink's SMB platform.
- Stax (formerly Fattmerchant): Stax provides subscription-based payment processing for SMBs with transparent pricing and an integrated dashboard. Its SMB-focused, flat-fee model competes directly with Splink's subscription-plus-transaction-fee structure in the same market segment.
- Poynt: Poynt (now part of GoDaddy) provided smart POS terminals and an open payment platform for SMBs. Its developer-friendly API and multi-processor support architecture was a direct comparable to Splink's processor-agnostic, white-label payment platform approach.
Broad incumbents
- Square (Block): Square offers an integrated SMB payments platform with hardware terminals, software, and lending. While broader in scope and far larger, Square competes with Splink's SMB tier on mobile payments, virtual terminals, and integrated dashboard functionality.
- Adyen: Adyen is a global payment processor serving enterprise merchants with unified commerce capabilities. While primarily enterprise-focused and not a direct SMB competitor, Adyen competes with Splink's white-label infrastructure for bank and platform partnership deals.
- Checkout.com: Checkout.com is a global payment processor with an Issuing and platform-embedded finance offering that overlaps with Splink's white-label infrastructure. While primarily serving large enterprises, its embedded finance ambitions directly intersect Splink's OEM value proposition.
Emerging players
- Airwallex: Airwallex offers fintech infrastructure including payment acceptance, issuing, and FX for SMBs and platforms globally. Its API-driven infrastructure layer targeting platforms and ISOs is comparable to Splink's white-label fintech infrastructure offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Splink social profiles
Digital presenceSplink compliance and trust
Trust signalCompliance2 records
Splink financial estimates
Financial estimateRevenue estimate
Valuation estimate
Splink leadership team
Management profileNumber of profiles
Profiles1 record
Splink funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Splink 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 Splink
What does Splink do?
Splink operates a payment processing platform that enables businesses to accept, send and manage payments via cards, open banking, QR, tap-to-pay, recurring billing and virtual terminal channels. It sells both a direct SMB payment product (with Starter, Professional and Enterprise subscription tiers) and a white-label payments infrastructure that banks, ISOs, MSPs and developers can rebrand as their own fintech business, all built on a processor-agnostic architecture integrating multiple acquirers.
Is Splink a public or private company?
Splink is a private company. It is classified as venture growth investor backed and is currently operating.
When was Splink founded?
Splink was founded in 2021. It employs 1 to 10 people.
Where is Splink based?
Splink is headquartered in Dublin, Ireland, in the Europe region.
How does Splink make money?
Three revenue lines are on record. Subscription Fees are the primary driver. The others are transaction Fees and white-Label Licensing.
Who are Splink's main competitors?
Direct peers on record are Stripe, SumUp, Zettle (PayPal), Mollie, Stax (formerly Fattmerchant) and Poynt. Broad incumbents are Square (Block), Adyen and Checkout.com. Airwallex is listed as an emerging player.
Does Splink have an API?
Yes. Splink offers an Open Fintech API that enables partners and developers to integrate payment functionality into their own platforms. The API is processor-agnostic and flexible, allowing customization of features. The Enterprise tier includes Full API Access. White-label partners can access API documentation at api.splink.io/docs. The API supports various payment methods including card payments, open banking, and recurring payments. Developer documentation is at api.splink.io/docs.
What industry is Splink in?
Splink's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure, with a secondary code of FSAMAFAB, A2A Payment Initiation Service Providers (PISPs). Its NAICS code is 5223 and its SIC code is 6159.