Volt.io
- Company typePrivate
- Founded2019
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
Volt.io firmographics
Firmographics- Name
- Volt.io
- Legal name
- Volt Technologies Holdings Limited
- Website
- https://volt.io
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Volt.io industry classification
Industry- Product category
- Open Banking Payments Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)
- akta.pro secondary industries
- Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD), Real-Time Payments (RTP) Processing & Clearing (FSAMAHAC)
Keywords
Where Volt.io is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices5 records
Markets served
Volt.io business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Transaction Fees: Volt charges merchants and businesses transaction fees for payment processing through its platform. No fees are charged to end users/consumers. Business fees are outlined in individual Order Forms provided during merchant onboarding.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Business (Merchant) Pricing |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Volt.io product offering
Product offeringCore offering
Volt.io operates a global real-time open banking payments platform that connects merchants to 2,500+ banks across 31 territories via a single API. It enables businesses to accept real-time account-to-account (Pay by Bank) payments, issue refunds, and send payouts directly from customers' bank accounts, bypassing card networks. The platform is regulated as a payment institution in the UK (FCA), EU (KNF, Poland), and Australia (AUSTRAC).
Product overview
Volt.io is building the world's first global real-time payment network, operating as a unified platform that harmonizes domestic open banking payment networks across multiple territories. The product architecture consists of three core product categories: (1) Payments — including Instant Payments (core Pay by Bank solution), Refunds, and Payouts; (2) Cash Management — including Volt Accounts and Virtual IBANs for account visibility and reconciliation; and (3) Power Tools — including Circuit Breaker (fraud prevention), Transformer (checkout optimization), and Verify (identity verification). The platform connects to over 2,500 banks covering 618 million bank accounts across 31 territories, enabling real-time account-to-account transactions globally without intermediaries.
Differentiator
Problem solved
Functional benefit
Products and services
- Instant Payments Globally optimised Pay by Bank solution enabling merchants to receive real-time account-to-account payments from customer bank accounts via a single API integration across multiple domestic real-time payment networks.
- Refunds Real-time refund capability that returns funds directly to the customer's bank account for instant reversals, supporting merchant customer-satisfaction workflows.
- Payouts Enables businesses to send real-time, on-demand payouts directly to millions of consumer bank accounts across Volt's network of 2,500+ banks.
- Volt Accounts Cash management product providing full visibility of customer funds combined with business-critical functionality for managing balances.
- Virtual IBANs Enables instant reconciliation of deposits and top-ups at scale, simplifying payment operations for merchants managing high-volume transaction flows.
- Circuit Breaker Fraud prevention tool that proactively prevents fraudulent transactions using rules tailored to merchant-specific needs across real-time payment flows.
- Transformer Checkout optimisation tool that eases the migration from card payments to Pay by Bank through intelligent, configurable prompts at checkout.
- Verify Automated bank account ownership authentication service providing instant data retrieval for identity verification and onboarding workflows.
Quantifiable outcome
- 2,500+ banks connected to the network
- +2 more outcomes
Companies that use Volt.io
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
Volt.io technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
Volt.io partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Matt Henderson (Special Advisor)coreMatt Henderson, former CEO of Stripe Europe and ex-Google and Amazon executive, joined as a Special Advisor to support Volt's strategic growth following the $60M Series B. His extensive background in financial infrastructure and technology strengthens Volt's leadership and technology sectors.
- PrimercorePrimer provides a codeless connection to Volt, enabling merchants to enable Volt-powered real-time payments throughout Europe and the UK directly from their Primer Dashboard, giving merchants greater control and flexibility over their payment stack.
- SolidgatecoreSolidgate partnered with Volt to modernise payment management for its merchants. The integration enables Solidgate to deliver a seamless, optimised open banking payment experience that supports merchants in meeting evolving customer expectations.
- Flexewallet Pty LtdcoreFlexewallet holds an Australian Financial Services Licence (AFSL No. 448066) and has authorised Volt Connect Pty Ltd as an authorised representative (AR No. 001309428) to issue and distribute Volt's payment products in Australia. All Product funds are held in segregated accounts with Flexewallet.
- Cuscal LimitedcoreCuscal Limited is an authorised deposit-taking institution (ADI) holding authority to carry on banking business in Australia. Cuscal holds all Volt product funds in segregated accounts and provides the NPP (New Payments Platform) infrastructure enabling Volt's real-time payouts in Australia.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Volt.io competitors and assessment
Company assessmentBroad incumbents
- Adyen: Global unified commerce payment processor. Not focused exclusively on A2A, but serves many of the same enterprise merchants (e.g. Farfetch) and could expand A2A capabilities organically given balance-sheet capacity.
- Klarna: Global payments and BNPL giant with an expanding Pay by Bank offering. Significantly larger and broader portfolio, but increasingly overlapping with Volt's A2A proposition for merchants.
- Worldline: European payment processor and acquirer. Provides a broad payment stack to enterprise merchants including some A2A capability — overlapping with Volt's customer base if not on product specialisation.
- Stripe: Global payment infrastructure company. While not directly focused on A2A today, Stripe's scale, developer ecosystem and merchant relationships make it a credible competitor if it expands into real-time bank payments; its former Europe CEO now advises Volt.
Direct peers
- Tink (Visa): Open banking platform acquired by Visa in 2022. Provides both A2A payment initiation and account aggregation services — directly comparable to Volt's core offering, but now backed by a global card network.
- Token: Open banking A2A payment specialist serving banks and merchants across Europe. Operates a comparable bank-direct connectivity model and competes directly for the same enterprise merchant logos as Volt.
- Plaid: US-led open banking and account connectivity platform with growing A2A payment products. Comparable in API-first, developer-led GTM and bank-side network aggregation; increasingly moving into payment initiation similar to Volt.
- Trustly: European A2A / Pay by Bank specialist acquired by Nordic Capital for ~$8.5B. Closest direct competitor to Volt: same product category, same merchant base (e-commerce, iGaming, financial services), and same European RTP scheme connectivity model.
- TrueLayer: UK-based open banking platform providing A2A payment initiation and data services. Competes head-to-head with Volt in the UK and EU Pay by Bank market, particularly in iGaming and e-commerce.
- Yapily: European open banking API platform enabling A2A payments and account data. Direct head-to-head competitor for Volt in the UK and EU, particularly for PSPs and fintechs needing scheme connectivity.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Volt.io social profiles
Digital presenceVolt.io compliance and trust
Trust signalCompliance9 records
Volt.io financial estimates
Financial estimateRevenue estimate
Valuation estimate
Volt.io leadership team
Management profileNumber of profiles
Profiles4 records
Volt.io subsidiaries and ownership
Company hierarchySubsidiaries3 records
Volt.io funding detail
Funding detailFunding overview
Funding rounds4 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Volt.io 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 Volt.io
What does Volt.io do?
Volt.io operates a global real-time open banking payments platform that connects merchants to 2,500+ banks across 31 territories via a single API. It enables businesses to accept real-time account-to-account (Pay by Bank) payments, issue refunds, and send payouts directly from customers' bank accounts, bypassing card networks. The platform is regulated as a payment institution in the UK (FCA), EU (KNF, Poland), and Australia (AUSTRAC).
Is Volt.io a public or private company?
Volt.io is a private company. It is classified as venture growth investor backed and is currently operating.
When was Volt.io founded?
Volt.io was founded in 2019. It employs 101 to 250 people.
Where is Volt.io based?
Volt.io is headquartered in London, United Kingdom, in the Europe region.
How does Volt.io make money?
One revenue line is on record: transaction Fees.
Who are Volt.io's main competitors?
Broad incumbents on record are Adyen, Klarna, Worldline and Stripe. Direct peers are Tink (Visa), Token, Plaid, Trustly, TrueLayer and Yapily.
Does Volt.io have an API?
Yes. Volt offers an API that enables merchants to integrate real-time open banking payments. The API supports Pay by Bank functionality across European and UK markets. Documentation is available at docs.volt.io. A codeless connection option is also available for merchants using compatible payment dashboards. Developer documentation is at docs.volt.io.
What industry is Volt.io in?
Volt.io's product category is Open Banking Payments Infrastructure. Its primary akta.pro industry code is FSAGACAI, Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation), with a secondary code of FSAMAHAD, Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments). Its NAICS code is 52232 and its SIC code is 6199.