Plick
PayDo S.p.A. (operating as Plick) is an Italian B2B fintech that provides API-based digital payment infrastructure to banks, PSPs, and enterprises, enabling account-to-account payments across SEPA identified by phone number or email without requiring the recipient's IBAN.
- Company typePrivate
- Founded2016
- HeadquartersMilano, Italy
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Plick does
PayDo S.p.A., operating commercially under the Plick brand, is an Italian B2B fintech founded in 2016 (incorporated as S.r.l. on October 20, 2016; converted to S.p.A. in 2019) and headquartered in Milan. The company provides API-based digital payment infrastructure to banks, payment service providers (PSPs), electronic money institutions (IMELs), and enterprises across the SEPA area. Its core technology enables irrevocable account-to-account payments identified by phone number or email rather than IBAN, removing a long-standing friction point in P2P, B2B, and B2C flows: recipients do not need to register, download an app, or hold an account at a Plick-member bank to receive funds. Real-time 24/7 processing, scheduled future payments, massive bulk operations, and end-to-end traceability are positioned as baseline platform attributes.
The product suite has expanded sequentially from the original Plick service (live with the first bank in 2018) to Plick for Corporate (2020), PlickOpen for large-company and SME refunds/mass payments and a Deposit Service via Mooney (2021), PlickUp for digital payment requests over WhatsApp/SMS/email (2022), and a Cash Withdrawal Service through Mooney's 45,000+ Italian POS locations (2023), plus Escrow Payment and card/account recharge modules. Distribution is exclusively B2B and embedded: banks integrate Plick via APIs into internet and mobile banking, enterprises use white-label corporate portals with multi-level authorization, and physical cash access is delivered through retail partners including Mooney and Enel X Pay. The company monetizes via transaction-based fees set and regulated by member banks, with a stated partner base spanning Credit Agricole Italia, Banco Mediolanum, BPPB, Banca Sella, IBL Banca, Nexi, Cedacri, Fabrick, and technology/enterprise clients including A2A Energia, Trenitalia, PRA Group, UNICEF, and SPC. The firm operates with a small team of approximately 8–15 employees, has raised approximately $2.5 million from Banca Sella (December 2021) alongside an unquantified BPPB capital increase (2020), and was recognized among the 100 most promising startups at Fintech Abu Dhabi 2021.
Plick firmographics
Firmographics- Name
- Plick
- Legal name
- PayDo S.p.A.
- Website
- https://plick.eu
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- PayDo S.p.A. (operating as Plick) is an Italian B2B fintech that provides API-based digital payment infrastructure to banks, PSPs, and enterprises, enabling account-to-account payments across SEPA identified by phone number or email without requiring the recipient's IBAN.
- Ownership category
- akta.pro rank
Plick industry classification
Industry- Product category
- Digital Payments Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Custom Computer Programming Services (541511)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)
- akta.pro secondary industries
- Request-to-Pay (R2P) & Pay Links (FSAMAFAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where Plick is headquartered
LocationHeadquarters
- HQ city
- Milano
- HQ country
- Italy
- HQ region
- Europe
Offices2 records
Markets served
Plick business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction-based fees from partner institutions: Fees are established and regulated by member banks. Costs for beneficiaries are set by their respective banks. Revenue appears to come from transaction fees charged to banking partners who offer Plick services to their customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | No publicly disclosed pricing - bank-dependent |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Plick product offering
Product offeringCore offering
Plick, operated by PayDo S.p.A., is a B2B digital payment platform that enables banks, payment service providers (PSPs), electronic money institutions (IMELs), and enterprises to deliver instant SEPA-area payment services through a single API integration. The platform supports peer-to-peer transfers, payment requests, corporate disbursements, escrow services, and cash withdrawal/deposit operations routed through partner financial institutions.
Product overview
Plick is a B2B fintech platform developed by PayDo S.p.A. offering a suite of digital payment services across Europe (SEPA area). The core product is Plick, an irrevocable account-to-account payment service that identifies recipients by phone number or email without requiring IBAN. The platform operates through bank apps (internet/mobile banking) with no additional app downloads required for recipients. Additional modules include PlickUp (digital payment requests), PlickOpen (bulk payments for enterprises), Escrow Payment (secure escrow transactions), Cash Withdrawal and Deposit (via Mooney network), and Card/Account Recharge services. All solutions are API-based with full customizability and short activation times for bank and corporate clients.
Differentiator
Problem solved
Functional benefit
Brands
- Plick: Core payment service allowing irrevocable digital payments throughout Europe (SEPA area) without knowing recipient's IBAN, identified by phone number or email.
- PlickUp
- PlickOpen
- Ritira e Versa
- Ricarica carte e conti
- Escrow Payment
Quantifiable outcome
- Available in over 45,000 point-of-sale locations through Mooney partnership
- +3 more outcomes
Companies that use Plick
Customer profileNamed customers20 records
Segments3 records
Ideal customer profiles1 record
Plick technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Plick partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- NexicorePartnership for open banking payments in Europe, integrating Plick services with Nexi's payment infrastructure across European markets.
- CedacricoreCedacri integrated Plick functionality into their banking and open banking platform, enabling their client banks to offer digital payment services via SMS, WhatsApp, or email without knowing recipient IBAN.
- EMPSA (European Mobile Payment Systems Association)corePayDo joined EMPSA to participate in the European mobile payment ecosystem and expand cross-border payment capabilities across Europe.
- FabrickcorePartnership to integrate Plick APIs onto Fabrick's open banking platform, enabling banks to access Plick payment services through Fabrick's ecosystem.
- MooneycoreMooney provides the retail network (45,000+ points of sale) for cash withdrawal and deposit services, and card/account recharge services. Enables Plick customers to deposit and withdraw cash at affiliated retail locations.
- Enel X PaycorePartnership for card and account recharge services, leveraging Enel X Pay's retail network for Plick recharge functionality.
- TrenitaliaminorPlickOpen used by Trenitalia for digital payment and refund services.
Scale indicators5 records
Recent moves14 records
Expansion highlights6 records
Plick competitors and assessment
Company assessmentDirect peers
- Satispay: Italy-focused A2A mobile payment network that lets users pay and send money via phone number without IBAN or card rails — the closest direct competitor to Plick's core proposition, operating in the same Italian market with a similar bank-partnership GTM.
- Bizum: Spain's dominant A2A P2P mobile payment scheme, allowing bank-to-bank transfers via phone number. Highly comparable as a phone-number-based A2A service embedded in partner banks; Spain is also the only non-Italian market where Plick has gone live with a bank.
- Trustly: European A2A payment network enabling bank-account payments for merchants and P2P flows across multiple SEPA markets. Comparable to Plick in providing account-to-account rails on top of bank infrastructure across Europe.
- Fabrick: Italian open-banking platform that is both a Plick partner and a builder of A2A payment APIs for banks. Comparable as a B2B provider of A2A and open-banking payment services to Italian and European banks.
Emerging players
- European Payments Initiative (Wero): Bank-led pan-European A2A payment scheme (branded Wero) being rolled out across major EU markets. Highly relevant as a potential competitor and/or distribution channel for phone/email-based A2A payments across SEPA.
Regional players
- TWINT: Switzerland's leading mobile A2A payment app, integrated with most Swiss banks for P2P and P2M payments. Comparable model — bank-partner-distributed A2A payments — but geographically limited to Switzerland.
- iDEAL: Dominant Dutch A2A online payment scheme integrated into virtually every Dutch bank. Comparable as a bank-embedded A2A payment scheme, but regional to the Netherlands rather than pan-European.
Others
- Tink: European open-banking platform owned by Visa providing account-to-account payment initiation and financial data APIs. Comparable as a B2B provider of A2A PIS APIs to banks, but operating at a much larger, infrastructure scale.
Broad incumbents
- Plaid: Large US-headquartered open-banking/A2A infrastructure provider. Comparable as a B2B platform selling bank-account connectivity and payment APIs to financial institutions, though at a very different scale and primarily US footprint.
- Nexi: Europe's largest payments company and a Plick partner via the 2021 open-banking payments partnership. Comparable in that it provides payment infrastructure to European banks, but at a much broader portfolio scale and as a potential competitor for A2A payment flows.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Plick social profiles
Digital presencePlick financial estimates
Financial estimateRevenue estimate
Valuation estimate
Plick leadership team
Management profileNumber of profiles
Profiles8 records
Plick funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Plick 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 Plick
What does Plick do?
Plick, operated by PayDo S.p.A., is a B2B digital payment platform that enables banks, payment service providers (PSPs), electronic money institutions (IMELs), and enterprises to deliver instant SEPA-area payment services through a single API integration. The platform supports peer-to-peer transfers, payment requests, corporate disbursements, escrow services, and cash withdrawal/deposit operations routed through partner financial institutions.
Is Plick a public or private company?
Plick is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Plick founded?
Plick was founded in 2016. It employs 1 to 10 people.
Where is Plick based?
Plick is headquartered in Milano, Italy, in the Europe region.
How does Plick make money?
One revenue line is on record: transaction-based fees from partner institutions.
Who are Plick's main competitors?
Direct peers on record are Satispay, Bizum, Trustly and Fabrick. European Payments Initiative (Wero) is listed as an emerging player. Regional players are TWINT and iDEAL. Tink is listed as an others. Broad incumbents are Plaid and Nexi.
Does Plick have an API?
Yes. Plick is API-based and can be easily integrated into client systems. The platform supports API integration for Banks, PSPs, ELMIs, and Corporate clients to enable digital payment services. Integration is described as having very short activation times and full customizability.
What industry is Plick in?
Plick's product category is Digital Payments Platform. Its primary akta.pro industry code is FSAMAFAB, A2A Payment Initiation Service Providers (PISPs), with a secondary code of FSAMAFAE, Request-to-Pay (R2P) & Pay Links. Its NAICS code is 522320 and its SIC code is 7370.