Payemoji
Payemoji is an Irish AI fintech offering a conversational commerce and payments platform built on WhatsApp Business and 70+ messaging channels. It serves SMBs and enterprises across financial services, insurance, retail, recruitment, healthcare, and public sector with AI chatbots, payments, and CRM integrations.
- Company typePrivate
- Founded2022
- HeadquartersDublin, Ireland
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Payemoji does
Payemoji is an Irish AI fintech company that operates a conversational commerce and payments platform built on top of the WhatsApp Business API, with additional support for 70+ messaging channels including Facebook Messenger, Instagram, Google Messages, Apple iMessage, Telegram, LINE, Viber, SMS, Slack, and Microsoft Teams. The platform enables businesses to engage customers, automate support and sales journeys, sell through native WhatsApp catalogues and checkout, and process secure card-not-present digital payments — including remediation and refund workflows backed by AI document scanning — with Payemoji itself charging zero transaction fees on the payment side. Underlying technology includes customisable AI chatbots, WhatsApp Flows for end-to-end workflow automation, a unified shared inbox across channels, and a public developer API (api-docs.messagemycustomer.com) that integrates the platform with enterprise CRMs (Salesforce, Zendesk, Zoho), ITSM systems (ServiceNow, GoTo), contact centres (Avaya, Genesys, Netsapiens, Devyce), payment gateways, and major eCommerce platforms (Shopify, Wix, Squarespace, WooCommerce, BigCommerce, Magento, OpenCart, Ecwid).
The company is headquartered in Dublin with additional offices in Wimborne (England) and Petaling Jaya (Malaysia), and reports over €4 million in cumulative funding including a €2.1 million round in June 2023 and a €1 million round launched in January 2026 alongside a €350,000 grant from Enterprise Ireland. Its revenue model combines tiered SaaS subscriptions (Essential, Scale, and Enterprise plans), usage-based passthrough of Meta/WhatsApp conversation charges, professional services for enterprise integrations, and transaction-related economics routed through partner payment gateways (notably AIB Merchant Services / Fiserv). Payemoji runs a hybrid go-to-market: self-serve online onboarding for SMBs (trades, hospitality, retail, personal services), field sales and custom implementations for enterprise and public sector accounts, channel/reseller relationships through payment processors and CRM/ATS partners (Loxo, Firefish), and Meta Tech Provider marketplace distribution. Named enterprise and mid-market customers include Pizza Hut, Cover-More Europe, First IVF, Marsh RPF, Peopl Insurance, AIB Merchant Services (Fiserv), Kerrigans Craft Butcher, and Cobalt, spanning insurance, financial services, food & beverage, healthcare, recruitment, and retail verticals.
Payemoji firmographics
Firmographics- Name
- Payemoji
- Legal name
- Payemoji
- Website
- https://payemoji.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Payemoji is an Irish AI fintech offering a conversational commerce and payments platform built on WhatsApp Business and 70+ messaging channels. It serves SMBs and enterprises across financial services, insurance, retail, recruitment, healthcare, and public sector with AI chatbots, payments, and CRM integrations.
- Ownership category
- akta.pro rank
Payemoji industry classification
Industry- Product category
- Conversational Commerce Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182), Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372), Services-Telephone Interconnect Systems (7385)
- akta.pro primary industry
- Conversational AI Platforms (chat/voice bots, orchestration) (HDAAAFAC)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), AI Integration & Orchestration Platforms (Connectors, Workflow, iPaaS for AI) (HDAEANAI), App Monetization & Subscription Management Platforms (BPAMADAI), Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG)
Keywords
Where Payemoji is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices3 records
Markets served
Payemoji business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Subscription SaaS Plans: Monthly or annual subscription revenue from tiered pricing plans (Essential, Scale, Enterprise). Each tier includes different feature sets and conversation limits. Additional mobile numbers and messages available at per-unit pricing.
- Digital Payment Processing: Zero transaction fees from Payemoji side; revenue model relies on payment gateway provider fees charged by user's bank or payment processor. Supports remediation campaigns with AI document scanning.
- Professional Services & Enterprise Integrations: Custom implementation, integration, and consulting services for enterprise customers requiring bespoke workflows, CRM integrations, and enterprise AI setup.
- WhatsApp/Meta Conversation Charges: Passthrough charges for Meta/WhatsApp conversation fees. Contact sales for pricing per message (inbound or outbound). These are passed through to customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Essential - Conversational Payments |
| Subscription | Monthly | Scale - Conversational Commerce |
| Subscription | Multi-year contract | Enterprise - Keep Growing |
| Usage-based | Pay-as-you-go | At Scale - Large Corporate |
Go-to-market motion5 records
Distribution channels6 records
Marketing channels8 records
Payemoji product offering
Product offeringCore offering
Payemoji sells an AI-powered conversational commerce and payments platform that runs over messaging apps such as WhatsApp, Facebook Messenger, Instagram, SMS, Apple iMessage, Telegram, LINE and 70+ other channels. Businesses use it to deploy AI chatbots, accept digital payments (credit card, Apple Pay, Google Pay), run WhatsApp-native eCommerce catalogues and checkouts, automate customer journeys, send bulk notifications, and unify customer conversations across channels. The platform is offered as tiered SaaS subscriptions (Essential, Scale, Enterprise) with optional custom enterprise integrations to CRM, ITSM, contact centre and eCommerce systems via public developer APIs.
Product overview
Payemoji is an AI-powered conversational commerce and WhatsApp Business platform that enables businesses to engage customers, process payments, and automate customer journeys through messaging apps. The unified platform combines OMNI Channel messaging (70+ channels), Conversational AI chatbots, WhatsApp Catalogs & eCommerce, Bulk WhatsApp & Broadcast, Shared Inbox, Customized Website Widgets, Messaging Appointments, Promotions & OTPs, Reporting & Dashboards, and WhatsApp Flows & Custom Journeys. The platform integrates with enterprise systems via public developer APIs and supports eCommerce platforms including Shopify, WooCommerce, Squarespace, Wix, and BigCommerce. Pricing tiers include Essential (conversational payments), Scale (conversational commerce with AI chatbots), and Enterprise (full integration capabilities). The company serves SMBs, enterprises, and public sector organizations across industries including trades, hospitality, retail, financial services, travel, aviation, logistics, recruitment, and IT service management.
Differentiator
Problem solved
Functional benefit
Products and services
- WhatsApp Business Platform AI-powered WhatsApp Business platform enabling 24x7 customer engagement through conversational AI, chatbots, product catalogs, and payments integrated directly within WhatsApp. Targeted at B2C businesses that want to add a conversational channel.
- OMNI Channel Message Service
Quantifiable outcome
- 3x year-on-year revenue growth reported
- +3 more outcomes
Companies that use Payemoji
Customer profileNamed customers10 records
Segments7 records
Ideal customer profiles3 records
Payemoji technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration33 records
AI capability3 records
Feature8 records
Payemoji partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- FacePOSminorFacePOS partnered with Payemoji through the Central Bank of Ireland Innovation Sandbox programme. FacePOS is a facial recognition payment company and Payemoji provides the conversational commerce layer for their AI-enabled point-of-sale instant payment system.
- LoxocoreStrategic partnership with Loxo (recruitment ATS platform) to offer AI-powered WhatsApp conversations integrated to Loxo accounts. Recruiters can send personalized messages and urgent job alerts straight to candidates' phones via WhatsApp.
- IsItDangerousminorPartnership with IsItDangerous for AI-driven security solution. Payemoji Conversational AI empowers consumers and businesses to check if emails, texts, or links are dangerous via WhatsApp.
- Firefish SoftwarecorePartnership with Firefish Software to bring WhatsApp engagement and AI automation to recruitment agencies. All conversations are seamlessly captured in the Firefish account.
- AIB Merchant Services (Fiserv)corePartnership with AIB Merchant Services to provide conversational payments and engagement services. AIB's payment customers gain access to Payemoji's conversational AI service for digital payments over WhatsApp, SMS, and email. Pizza Hut and Cover-More Europe use this integrated solution.
- Meta (Plug and Play LA)coreSelected to Meta's 'Future of Communications' program in collaboration with Plug and Play LA accelerator. Meta's initiative uplifts innovative startups concentrating on shaping the future of business messaging.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Payemoji competitors and assessment
Company assessmentBroad incumbents
- Vonage: Vonage offers communications APIs including WhatsApp messaging and contact centre solutions that overlap with Payemoji's enterprise integrations to Avaya, Genesys and similar platforms.
- Twilio: Twilio is a large incumbent CPaaS provider whose messaging APIs (including WhatsApp Business API via Twilio) and Flex contact-centre product overlap with Payemoji's messaging and enterprise contact-centre integration capabilities.
- Intercom: Intercom provides AI-powered customer support and conversational automation, including WhatsApp. It competes with Payemoji's AI WhatsApp Chatbot and conversational engagement use cases at the enterprise tier.
- Zendesk: Zendesk offers customer service and messaging suites including WhatsApp support and AI agents, overlapping with Payemoji's customer support and enterprise CRM integration capabilities.
Direct peers
- WATI: WATI provides a WhatsApp Business API platform for SMBs and enterprises, offering shared inbox, chatbots, broadcasts and integrations. It is a direct competitor to Payemoji in WhatsApp-first conversational commerce.
- 360dialog: 360dialog is an official WhatsApp Business API provider and Meta Tech Provider enabling businesses to send messages and build conversational flows. Direct overlap with Payemoji's core WhatsApp Business API and chatbot offering.
- Bird (formerly MessageBird): Bird is an omnichannel CPaaS platform supporting WhatsApp, SMS, email and in-app messaging with a Flows automation product. Comparable to Payemoji's OMNI Channel service and WhatsApp Flows capability.
- Respond.io: Respond.io is an omnichannel messaging and conversation management platform with CRM integrations and AI agents. Competes with Payemoji in the unified inbox and automation layer across WhatsApp and other channels.
Emerging players
- Clerk Chat: Clerk Chat is an emerging WhatsApp Business API and messaging platform with similar chatbot and integration features. Smaller and earlier-stage but addresses a similar SMB-to-mid-market buyer.
Regional players
- AIScreen / AiSensy: AiSensy is a WhatsApp Business API and conversational marketing platform primarily serving the Indian market. Comparable in product scope (broadcasts, chatbots, payments) but not directly competing in Payemoji's core EU/UK geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks4 records
Key highlights7 records
Customer concentration
Payemoji social profiles
Digital presencePayemoji financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payemoji leadership team
Management profileNumber of profiles
Payemoji funding detail
Funding detailFunding overview
Funding rounds4 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payemoji 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 Payemoji
What does Payemoji do?
Payemoji sells an AI-powered conversational commerce and payments platform that runs over messaging apps such as WhatsApp, Facebook Messenger, Instagram, SMS, Apple iMessage, Telegram, LINE and 70+ other channels. Businesses use it to deploy AI chatbots, accept digital payments (credit card, Apple Pay, Google Pay), run WhatsApp-native eCommerce catalogues and checkouts, automate customer journeys, send bulk notifications, and unify customer conversations across channels. The platform is offered as tiered SaaS subscriptions (Essential, Scale, Enterprise) with optional custom enterprise integrations to CRM, ITSM, contact centre and eCommerce systems via public developer APIs.
Is Payemoji a public or private company?
Payemoji is a private company. It is classified as venture growth investor backed and is currently operating.
When was Payemoji founded?
Payemoji was founded in 2022. It employs 11 to 50 people.
Where is Payemoji based?
Payemoji is headquartered in Dublin, Ireland, in the Europe region.
How does Payemoji make money?
Four revenue lines are on record. Subscription SaaS Plans are the primary driver. The others are digital Payment Processing, professional Services & Enterprise Integrations and whatsApp/Meta Conversation Charges.
Who are Payemoji's main competitors?
Broad incumbents on record are Vonage, Twilio, Intercom and Zendesk. Direct peers are WATI, 360dialog, Bird (formerly MessageBird) and Respond.io. Clerk Chat is listed as an emerging player. AIScreen / AiSensy is listed as a regional player.
Does Payemoji have an API?
Yes. Payemoji offers public developer APIs that enable integration into enterprise systems including CRMs (Salesforce, Zendesk, Zoho), IT service management platforms (ServiceNow, Goto), Contact Centres (Avaya, Genesys, Netsapiens, Devyce), payment gateways, and eCommerce platforms. The API documentation is available at api-docs.messagemycustomer.com. The platform supports integration to enterprise AI and IT systems for end-to-end workflows. Developer documentation is at api-docs.messagemycustomer.com.
What industry is Payemoji in?
Payemoji's product category is Conversational Commerce Software. Its primary akta.pro industry code is HDAAAFAC, Conversational AI Platforms (chat/voice bots, orchestration), with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 5182 and its SIC code is 7372.