What Digiteal does

Digiteal SA is a Belgian fintech founded in 2015 and headquartered in Mont-Saint-Guibert, Belgium, operating as part of the Aera group. The company is a certified Peppol Access Point authorized by the Belgian Peppol Authority, a Payment Institution and Third Party Payment service provider (multi-PSP) authorized by the National Bank of Belgium, and ISO 27001 certified for information security. Digiteal provides a vertically integrated, API-first platform covering the full invoice-to-cash lifecycle: certified Peppol e-invoicing (sending and receiving UBL 2.1 XML documents via AS4 across 37 countries), payment processing (cards, account-to-account, QR codes, payment links), SEPA Direct Debit mandate creation with Strong Customer Authentication, Open Banking services (Account Information Service, Payment Initiation Service, and Verification of Payee across 1,300+ connected European banks), marketplace and split payments without e-wallet burden, and B2B Buy Now Pay Later (in partnership with MyBank and TermsTech). The technology stack includes webhook-based document delivery, the jointly-developed Mercurius Gateway for Belgian B2G compliance, and support for Peppol Invoice Response and Message Level Response.

Digiteal serves four primary customer segments: ERP/accounting/billing/CRM software companies (integrators) who embed Digiteal's APIs into their products (15+ named partners including Adfinity, Mercator, BILLY, Flexina, Civadis, and others); B2B businesses of all sizes needing e-invoicing compliance and payment collection; public administrations and government agencies needing B2G Peppol compliance; and marketplaces/platforms needing PSD2-compliant multi-creditor payment distribution. Named end-customer logos include Colruyt Group (Xtra app for in-app SEPA mandate creation), Reprobel (80,000–90,000 annual B2G invoices), Adfinity, BILLY, Recovr, Classeo, Expert-IT, and Deuse.

Digiteal generates revenue through a mix of transaction fees on payment flows (cards, A2A, SDD, split payments, BNPL), usage-based fees for Open Banking APIs (AIS, PIS, VoP), annual subscription fees for paid Peppol Services through its integrator channel, and marketplace commissions. Pricing is quote-based for enterprise and government engagements, with a free public-endpoint tier for Peppol document validation. Distribution is API-first via the integrator partner network, complemented by direct enterprise field sales, a self-serve web application (My Digiteal), and native PrestaShop and WooCommerce e-commerce modules. The company operates under teal management principles, is led by founder and CEO Cédric Nève, and has raised approximately $7.8M in cumulative disclosed funding across nine rounds between 2015 and 2021, with investors including EASI, LeanSquare, Spredes, Novalia, and EISMEA.

Name

Digiteal

Legal name

Digiteal SA

Website

https://digiteal.eu

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Digiteal is a Belgian fintech and certified Peppol Access Point offering an API-first invoice-to-cash platform spanning e-invoicing, payment processing, SEPA Direct Debit, Open Banking, and B2B BNPL. It serves ERP/accounting software integrators, businesses, public administrations, and marketplaces across Europe.

Ownership category

akta.pro rank

Product category

Payment & E-Invoicing Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Finance Services (6199)

akta.pro primary industry

Payment Gateways & API Connectivity (FSAGABAB)

akta.pro secondary industries

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)

Keywords

• Peppol e-invoicing
• Payment processing API
• Open Banking services
• SEPA direct debit
• Marketplace split payments

Headquarters

HQ city

Mont-saint-guibert

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Peppol Access Point Services: Digiteal charges for Peppol network access as a certified Access Point. Public endpoints for validation are free, but paid services require a signed sales agreement. Revenue is generated through transaction-based API usage and participant registration fees for integrators sending/receiving documents on behalf of clients.
2. Payment Processing: Digiteal acts as a PSP (Payment Service Provider) and TPP (Third Party Provider) processing payments including card payments, account-to-account payments, QR codes, payment links, recurring payments (SDD), and split payments. Revenue is generated through transaction fees on payment flows processed.
3. Open Banking Services: Open Banking APIs (AIS, PIS, Verification of Payee) are offered as paid services, enabling account information access, payment initiation, and payee verification across 1,300+ connected European banks. Revenue is generated through API usage fees.
4. Marketplace / Split Payment Commission: Marketplace payment solution enables automatic splitting of received payments to multiple creditors. Digiteal earns a commission or transaction fee on the pay-in/pay-out flows processed through the marketplace.
5. B2B Buy Now Pay Later: Allows business buyers to defer payments up to 90 days while suppliers receive full payment upfront. Digiteal earns a transaction fee on each BNPL settlement processed through its platform in partnership with MyBank and TermsTech.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Digiteal provides a certified Peppol Access Point for e-invoicing, payment processing (cards, account-to-account, QR codes, payment links, SEPA Direct Debit, marketplace split payments, B2B Buy Now Pay Later), and Open Banking APIs (AIS, PIS, Verification of Payee) connecting to 1,300+ European banks. The platform is delivered primarily via REST API and is used by software integrators, businesses, and public administrations to automate the full invoice-to-cash lifecycle.

Product overview

Digiteal is a Belgian fintech company offering a unified payment and e-invoicing platform built around three core pillars: (1) Peppol Access Point for certified e-invoicing network connectivity, (2) Payment Solutions covering payment processing, recurring payments (SEPA Direct Debit), split/merge marketplace payments, and B2B Buy Now Pay Later, and (3) Open Banking services including Account Information Service (AIS) and Payment Initiation Service (PIS). The platform provides a developer API for integrations, ready-to-use e-commerce plugins for PrestaShop and WooCommerce, and a customer-facing web application. All solutions are built on European standards (Peppol, PSD2/Open Banking, SEPA) and regulated by the National Bank of Belgium.

Differentiator

Problem solved

Functional benefit

Products and services

• Peppol Access Point Certified Peppol Access Point service enabling companies to send and receive electronic documents (invoices, credit notes, orders) over the Peppol e-delivery network via API integration; certified by the Belgian Peppol Authority (OpenPeppol).
• Payment Solutions Payment processing accepting multiple methods including debit/credit cards, Account-to-Account transfers, QR codes, payment buttons, and payment links; for businesses and online merchants.
• Recurring Payments (SEPA Direct Debit) SEPA Direct Debit mandate creation and automatic money collection service for both creditors and debtors; mandates created and validated using Strong Customer Authentication within the customer's own banking environment and securely stored.
• Split & Marketplace Payments Split a single pay-in into multiple pay-outs to several creditors (marketplace, sellers, etc.) without requiring e-wallets; supports confirmation-based and installment payment flows for marketplaces and platforms.
• B2B Buy Now Pay Later Allows business buyers to defer payments 30, 60, or 90 days (extended to 120 days via MyBank partnership) while suppliers receive full payment upfront; part of the marketplace payments suite.
• Account Information Service (AIS) Open Banking Account Information Service providing instant access to business bank account balances and automated daily import of business bank statements from 1,300+ connected European banks.
• Payment Initiation Service (PIS) Open Banking Payment Initiation Service enabling account-to-account payments as a card alternative without amount limitations, increasing merchant margins.
• Verification of Payee API API enabling instant trust verification of payee details during payment onboarding processes to prevent misdirected payments and fraud.
• My Digiteal Web App Self-serve customer-facing web application for managing payments, invoices, mandates, and Digiteal services directly without integrating software.
• Digiteal POS (QR Code) Point-of-sale payment solution accepting payments via smartphone or tablet using QR codes for in-person merchants.

Quantifiable outcome

• Reprobel automates 80,000–90,000 B2G invoices annually via Peppol and Mercurius using Digiteal's API, eliminating manual data entry and achieving early B2B mandate compliance for January 2026.
• +3 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and minor.

• MyBankcoreStrategic or Co-development Partner · 23 June 2026Digiteal is a technology partner in MyBank's upcoming MyBank BNPL B2B product launch. MyBank announced this new Buy Now, Pay Later feature for business-to-business payments in partnership with Digiteal and TermsTech. The solution allows business buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery. Digiteal provides the technical infrastructure for the payment flow, with full integration into MyBank's existing payment flow.
• TermsTechcoreStrategic or Co-development Partner · 23 June 2026TermsTech is a co-development partner alongside Digiteal in the MyBank BNPL B2B product launch. TermsTech likely handles the BNPL financing/risk assessment aspects while Digiteal provides the payment infrastructure and API integration into MyBank's existing payment flow.
• MarjoryminorGTM or Marketing PartnerDigiteal has forged a partnership with Marjory (automation software provider) to offer simplified integrations to marketplace operators. Marjory facilitates connections for businesses building marketplaces who need Digiteal's split payment and marketplace payment solutions. The partnership was featured in a joint webinar 'How to Build a Profitable Marketplace'.
• Open Banking PartnercoreTechnology or IntegrationDigiteal works with an Open Banking partner to develop bank connectivity for its SEPA Direct Debit Authorization API and Open Banking services (AIS, PIS). As stated in the Colruyt case study: 'The bank connectivity was developed together with our open banking partner.' This enables Digiteal to offer AIS access to 1,300+ connected banks and PIS payment initiation across Europe.
• Integrator Partner NetworkcoreChannel Partner/ Reseller/ DistributorDigiteal maintains a network of integrator partners consisting of ERP, CRM, accounting, billing software companies, and Document Service Providers (DSP) that embed Digiteal's APIs into their products. Partner logos include Adfinity, Mercator, Flexina, EAC, Civadis, Cevi, Recovr, Intec, Symeta, Apotekisto, Ipex, Billy, Amalfin, ADEKIA, and Sunrise. These partners distribute Digiteal's services to their end customers.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Unifiedpost: Belgian-headquartered e-invoicing and document workflow specialist with Peppol Access Point capabilities and broader EU footprint. Most direct peer by geography, product overlap (e-invoicing, payment integration) and target customer (integrators and enterprises).
• Mollie: European payment service provider offering multi-method payment processing, SEPA Direct Debit and integrations for SMBs and platforms. Overlaps with Digiteal on PSP APIs, SDD mandate management and integrator channel, though broader geographically.
• GoCardless: Specialist in SEPA Direct Debit and account-to-account payments across Europe with strong recurring-billing and integrator DNA. Direct overlap with Digiteal's SDD mandate product, recurring payments, and integrator partner model.

Broad incumbents

• Stripe: Global payment platform with European payment methods (SEPA, cards, account-to-account via Stripe Connect), developer-first APIs and growing e-invoicing features. Direct overlap on payment gateway/APIs and integrator channel; substantially larger scale.
• Adyen: Global enterprise-focused payment platform with single API for cards, SEPA and local payment methods across Europe. Competes on enterprise payment processing and platform/integrator relationships; broader scope but no native Peppol e-invoicing.
• Trustly: European account-to-account payment network under PayPal, providing PIS-style bank payments across multiple markets. Competes with Digiteal's PIS product for merchants wanting card-free checkout.
• Basware: Global e-invoicing and accounts payable automation vendor with Peppol connectivity and large enterprise customer base. Adjacent to Digiteal on the Peppol/standardized e-invoicing side, though focused on AP rather than PSP.

Emerging players

• Yapily: Open Banking API platform providing AIS, PIS and Verification of Payee across European banks. Overlaps with Digiteal's Open Banking product line and is a possible partner or competitor in the OB infrastructure layer.

Regional players

• Billtobox: Belgian Peppol Access Point and e-invoicing/PEPPOL service focused on Belgian accountants and SMBs. Strong regional overlap with Digiteal's Belgian base and integrator channel.
• Ponto (by Isabel Group): Belgian Open Banking API provider enabling AIS/PIS connectivity for businesses and software vendors. Closely comparable Belgian OB infrastructure layer to Digiteal's Open Banking offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/digitealeu
• Xx.com/digiteal_eu

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds9 records

Investors5 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 Digiteal