Tribe Payments
- Company typePrivate
- Founded2018
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
Tribe Payments firmographics
Firmographics- Name
- Tribe Payments
- Legal name
- Tribe Payments Ltd.
- Website
- https://tribepayments.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Tribe Payments industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where Tribe Payments is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
Tribe Payments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Issuer Processing Services: Processing fees for card issuing services including debit, credit, and prepaid cards for banks, fintechs, and merchants
- Acquirer Processing Services: Transaction processing fees for merchants accepting payments across POS, eCommerce, and SoftPOS channels
- Digital Banking Platform: White-label digital banking platform licensing and customization fees
- Risk & Compliance Solutions: Risk monitoring, 3D Secure, and fraud prevention services sold as standalone or bundled solutions
Go-to-market motion4 records
Distribution channels5 records
Marketing channels6 records
Tribe Payments product offering
Product offeringCore offering
Tribe Payments is a digital payments and infrastructure orchestrator that provides a cloud-based, API-led modular platform (ISAAC) for card issuing, merchant acquiring, white-label digital banking, fraud/risk monitoring, 3D Secure authentication, open banking, POS/SoftPOS, and eCommerce payment gateway services. The platform connects directly to all six major card schemes (Visa, Mastercard, American Express, UnionPay, Discover, JCB) and is offered to banks, fintechs, acquirers, and merchants as a unified, white-label solution.
Product overview
Tribe Payments is a digital payments and infrastructure orchestrator offering a cloud-based, modular platform with API-led architecture. The core product is the Tribe Core Platform (ISAAC), which unifies issuer and acquirer processing, open banking, digital banking, fraud/risk monitoring, and authentication under one roof. Key modules include: White-Label Digital Banking (with multi-currency IBAN, crypto wallets, physical/virtual cards), Bank Connect (banking infrastructure hub), Issuer Processing (card issuing), Acquirer Processing (merchant acceptance), POS/SoftPOS (point-of-sale and contactless mobile payments), Payment Gateway (e-commerce), Tribe Scheme (on-us/closed-loop processing), Risk Monitor (real-time fraud screening), 3D Secure (authentication), and Open Banking (A2A payments). The platform connects to all six major card schemes (Visa, Mastercard, Amex, UnionPay, Discover, JCB) and operates with 99.99% uptime. The company serves banks, fintechs, acquirers, and merchants across Europe, APAC, and the Middle East.
Differentiator
Problem solved
Functional benefit
Products and services
- Tribe Core Platform (ISAAC) A cloud-based, API-led modular platform providing issuer and acquirer processing, open banking, digital banking, 3D Secure authentication, and fraud/risk monitoring with 99.99% uptime. Powers the entire Tribe ecosystem and connects to all six major card schemes.
- Issuer Processing API-first card issuing solution enabling banks and fintechs to launch debit, credit, or prepaid cards faster, with global card scheme connectivity, instant authorisation processing, and a portal for managing accounts, cards, holders, transactions, testing simulations, and reporting.
- Acquirer Processing Enables merchants to accept payments anytime, anywhere. Supports all major card schemes and popular payment methods (P2P, subscriptions, account-to-account), with integrated risk/fraud monitoring, real-time insights, merchant-level tokenisation, and compliance features.
- White-Label Digital Banking A white-label platform enabling businesses to launch their own branded digital banking experience with physical and virtual cards, multi-currency IBAN accounts, crypto wallets, currency exchange, and P2P transfers, plus web and mobile apps with KYC and compliance tools.
- Bank Connect A centralized integration hub linking Tribe customers with banking infrastructure providers, enabling bank account issuing (virtual, single currency, and multi-currency), transaction processing, and connectivity to banking rails.
- POS Cloud-based point-of-sale solution accepting payments through card, mobile wallets, peer-to-peer, and instalment payments, with P2Pe encryption, real-time analytics, and full terminal management.
- SoftPOS Contactless payment solution that turns NFC-enabled Android devices into point-of-sale terminals, integrated into the acquiring ecosystem to support omnichannel customer journeys.
- Payment Gateway (eCommerce Gateway) An all-in-one e-commerce payment solution enabling merchants to accept cards and alternative payment methods online, with focus on security, compliance, convenience, and transaction flow management.
- Risk Monitor Real-time fraud and risk screening solution that assesses individual transaction data points for risk-based decisions, with configurable rules, PEP/sanctions screening, and checks across merchant codes, BIN, country, issuer, account type, and transaction values.
- 3D Secure In-house authentication solution providing seamless 3D Secure authentication for banks, fintechs, and acquirers, serving as a component of risk management and fraud prevention for online payments.
- Open Banking Provides open banking A2A (account-to-account) payment capabilities and an Open Banking compliance API, enabling fintechs to meet PSD2 compliance obligations.
- Tribe Scheme (On-Us Processing) On-Us Processing module that allows clients to bypass scheme rails and fees for closed-loop transactions, replicating card scheme functions as a routing and data processor compatible with both issuer and acquirer platforms.
Quantifiable outcome
- 73% revenue growth from 2022 to 2023
- +3 more outcomes
Companies that use Tribe Payments
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles3 records
Tribe Payments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature8 records
Tribe Payments partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered minor and core.
- EPAA (European Payments Alliance)minorTribe joined EPAA as part of APAC expansion strategy to engage with payment ecosystem stakeholders in the region.
- FinmocoreStrategic partnership to deliver integrated treasury and payment services to banking and fintech clients across Asia-Pacific and Europe. Combines Tribe's issuer and acquirer processing with Finmo's treasury operating system licensed to move money across 180 countries.
- Singapore FinTech AssociationcoreTribe joined SFA to strengthen presence in APAC fintech ecosystem, gain access to networking events, regulatory insights, and SFA FinTech Registry for partnership opportunities.
- PhotonPaycoreTribe provides issuer processing services to Hong Kong-based PhotonPay enabling card issuing capabilities for their global payment platform.
- SetldPaycoreTribe provides issuer processing, Risk Monitor, and 3D Secure solutions to card scheme program manager specializing in Open Loop and Private Label Card Programs.
- Orenda FinancecoreTribe provides issuer processing enabling Orenda's embedded finance ecosystem with card issuing capabilities.
- Temenos ExchangecoreTribe Core Platform integrated into Temenos Exchange, making issuer and acquirer processing available to thousands of banks globally running on Temenos platform.
- DT&TcoreTribe provides issuer processing, Risk Monitor, and 3D Secure to London-based money transfer company handling transactions in 39 currencies.
- CurrencycloudcorePartnership for eToro Money project - Currencycloud provided real-time FX solution combined with Tribe's processing power and Visa's debit card.
- PaytendcoreTribe provides both issuer and acquirer processing enabling Paytend to offer payment cards, mobile wallet support, and POS/eCommerce acquiring.
- MultiPasscoreTribe provides transaction processing infrastructure, 3D Secure, and risk monitoring for MultiPass corporate payment card program.
- Discover Global NetworkcoreTribe integrated Discover Global Network into core platform, becoming first modern processor to connect five of the largest international card schemes.
- FyorincoreTribe provides digital banking and card issuing services enabling Fyorin's business banking platform to offer multi-currency IBAN accounts and virtual cards.
- MoorwandcorePayments solutions provider offering BIN sponsorship and issuing services for MultiPass corporate card program.
Scale indicators7 records
Recent moves10 records
Expansion highlights5 records
Tribe Payments competitors and assessment
Company assessmentDirect peers
- Currencycloud (Visa): Currencycloud is a cross-border payments platform acquired by Visa that provides multi-currency accounts and FX infrastructure. It is a partner of Tribe on the eToro Money program and competes in the multi-currency and cross-border card processing space where Tribe serves MultiPass.
- Checkout.com: Checkout.com is a global payment processor offering acquiring, card issuing, and embedded finance solutions to merchants and platforms. It is a direct competitor to Tribe across issuing, acquiring, and eCommerce gateway product lines.
- Stripe: Stripe is a global payments infrastructure provider offering card issuing (Stripe Issuing), acquiring, and embedded finance services to internet businesses. It directly overlaps with Tribe's issuer and acquirer processing, payment gateway, and digital banking products.
- Marqeta: Marqeta is a leading modern card-issuing and processing platform that powers debit, credit, and prepaid card programs for fintechs and banks. It is a direct competitor to Tribe's issuer processing and digital banking offerings, with comparable API-first architecture.
- Adyen: Adyen is a global unified payments platform providing card acquiring, processing, and issuing services to large enterprises, marketplaces, and platforms. It competes with Tribe on acquirer processing, multi-scheme connectivity, and POS/SoftPOS offerings.
- Thredd (formerly Global Processing Services): Thredd is a UK-based card-issuing processor serving fintechs, banks, and digital wallets with API-led card programs. It is one of the closest direct peers to Tribe's issuer processing business, with overlapping enterprise customers.
- Worldline: Worldline is a large European payment processor offering merchant acquiring, card issuing, and payment gateway services across Europe. It competes with Tribe across issuer processing, acquirer processing, and POS/SoftPOS solutions.
- Galileo Financial Technologies (SoFi): Galileo is a payment processing platform owned by SoFi that provides card issuing, account management, and digital banking APIs to fintechs and banks. It is a direct competitor to Tribe's issuer processing and white-label digital banking platform.
Regional players
- Network International (Brookfield): Network International is a leading payment processor across the Middle East and Africa, offering acquiring, issuing, and processing services. It is highly comparable to Tribe in the MEA region where Tribe recently expanded via its DIFC Dubai office, and VP of Acquiring Robin Anderson previously led Gateway Products there.
Emerging players
- Token.io: Token.io is an open banking payment initiation and account-to-account payment platform serving banks, fintechs, and merchants in Europe. It overlaps with Tribe's Open Banking and PSD2 compliance products, though from a narrower A2A-payments angle.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Tribe Payments social profiles
Digital presenceTribe Payments compliance and trust
Trust signalCompliance2 records
Tribe Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tribe Payments leadership team
Management profileNumber of profiles
Profiles17 records
Tribe Payments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tribe Payments 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 Tribe Payments
What does Tribe Payments do?
Tribe Payments is a digital payments and infrastructure orchestrator that provides a cloud-based, API-led modular platform (ISAAC) for card issuing, merchant acquiring, white-label digital banking, fraud/risk monitoring, 3D Secure authentication, open banking, POS/SoftPOS, and eCommerce payment gateway services. The platform connects directly to all six major card schemes (Visa, Mastercard, American Express, UnionPay, Discover, JCB) and is offered to banks, fintechs, acquirers, and merchants as a unified, white-label solution.
Is Tribe Payments a public or private company?
Tribe Payments is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Tribe Payments founded?
Tribe Payments was founded in 2018. It employs 101 to 250 people.
Where is Tribe Payments based?
Tribe Payments is headquartered in London, United Kingdom, in the Europe region.
How does Tribe Payments make money?
Four revenue lines are on record. Issuer Processing Services are the primary driver. The others are acquirer Processing Services, digital Banking Platform and risk & Compliance Solutions.
Who are Tribe Payments's main competitors?
Direct peers on record are Currencycloud (Visa), Checkout.com, Stripe, Marqeta, Adyen, Thredd (formerly Global Processing Services), Worldline and Galileo Financial Technologies (SoFi). Network International (Brookfield) is listed as a regional player. Token.io is listed as an emerging player.
Does Tribe Payments have an API?
Yes. Tribe offers an API-led platform called ISAAC that enables issuer and acquirer processing, digital banking, open banking, 3D Secure authentication, and fraud/risk monitoring. High-performance APIs handle large volumes enabling rapid scaling. The platform supports real-time transaction processing with 0.3 seconds average response time. Developer documentation is at doc.tribepayments.com.
What industry is Tribe Payments in?
Tribe Payments's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services. Its NAICS code is 522320 and its SIC code is 6159.