What Paytweak does

Paytweak is a French fintech founded in 2015 by Thierry Meimoun and headquartered in Gisors with operational presence in Paris. The company operates a secure remote-payment platform centered on its flagship PayByLink product, which enables merchants to generate one-time or recurring payment links delivered via email, SMS, WhatsApp, and QR codes that redirect customers to a hosted payment page. The platform is built around a universal REST API connecting to more than 500 banks, payment service providers, and wallets, and is certified PCI-DSS 4.0.1 Level 1.

The product suite extends well beyond PayByLink and includes VoicePay (voice-channel payment with V-SCA authentication for call centers), PayPHONE/SoftPOS (a mobile contactless payment-terminal app), PayPOS (Android-terminal payment orchestration, supported by a recent patent application), and value-added services such as buy-now-pay-later, account-to-account instant transfers, subscription management, smart debt collection, and a Blockchain TRUST module. The technology stack incorporates machine-learning fraud detection, anti-phishing link protection, and 3-D Secure integration. Paytweak serves enterprise clients across luxury (LVMH, Chanel, Gucci, L'Oréal), retail (Carrefour, Fnac, Maisons du Monde), banking and insurance (BNP Paribas, AXA, Covéa), automotive (Mercedes-Benz), logistics (UPS), and travel (Havas Voyages, Misterfly, Club Med, plus 800+ agencies integrated via Amadeus Gestour 360), alongside a long tail of SMB users totaling 25,000+.

Paytweak monetizes primarily through tiered SaaS subscriptions (Light at €11.90/month, Pro, Corporate, Ultimate, plus a dedicated BNP Paribas Light tier) with a stated policy of zero per-transaction commission, complemented by SMS usage overages and custom development services. Distribution is hybrid: direct SMB self-serve signup, enterprise field sales supported by named Key Account Managers and a Head of Sales, API-first developer onboarding, and channel partnerships with major French banks (BNP Paribas, LCL, Arkéa) and global PSPs (Adyen, Stripe, Worldline). The company reports 90% export revenue across 38+ countries.

Name

Paytweak

Legal name

Paytweak SAS

Website

https://paytweak.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Paytweak is a French fintech founded in 2015 offering a secure remote-payment platform anchored by PayByLink and extended into voice (VoicePay), mobile SoftPOS (PayPHONE), and terminal orchestration (PayPOS), serving 25,000+ users and enterprise clients across 38+ countries via a tiered, zero-commission SaaS model.

Ownership category

akta.pro rank

Product category

Payment Orchestration Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Request-to-Pay (R2P) & Pay Links (FSAMAFAE), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Secure remote payments
• Payment orchestration software
• Softpos mobile payments
• Voice payment processing
• Buy now pay later

Headquarters

HQ city

Gisors

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Licensing: Paytweak operates primarily on a SaaS subscription model with tiered plans (Light, Pro, Corporate/Ultimate) ranging from monthly to annual billing. Subscriptions provide access to the payment platform, API, multi-user accounts, and various transaction limits. No commitment required with monthly subscription flexibility.
2. Zero Commission on Transactions: Paytweak charges NO commission on transaction amounts. Revenue is generated solely through subscription fees, not through per-transaction fees. This differentiates Paytweak from traditional payment processors.
3. SMS Credits: Optional SMS bundles at €0.10 per additional SMS beyond included allocation (50 SMS included in BNP Paribas Light offer). Revenue generated from SMS overages.
4. Corporate/Dedicated Infrastructure: For high-volume clients requiring dedicated infrastructure beyond standard shared resources, Paytweak offers customized Corporate/Ultimate plans with dedicated servers and bespoke development, priced via quotation.
5. Custom Development: Paytweak provides custom development services for specific integration needs, priced via quotation based on scope and requirements.

Pricing tiers

Go-to-market motion4 records

Distribution channels9 records

Marketing channels8 records

Core offering

Paytweak provides a secure remote payment platform centered on PayByLink (payment links delivered via email, SMS, QR code, WhatsApp) that redirect customers to hosted payment pages. The platform extends to voice-based call center payments (VoicePay), smartphone-as-terminal contactless acceptance (PayPhone SoftPOS), Android terminal payment orchestration (PayPOS), and a universal REST API connecting merchants to 500+ banks, PSPs, and wallets across 40+ countries.

Product overview

Paytweak is a French fintech company founded in 2015 offering a unified payment platform centered on PayByLink (secure payment links via email, SMS, QR code, WhatsApp) as its core product. The platform operates on a modular architecture where PayByLink serves as the central hub, supplemented by specialized modules including PayPHONE SoftPOS (mobile payment terminal app), VoicePay (voice-based call center payments with V-SCA authentication), PayPOS (payment orchestration for Android/SmartPOS terminals), and payment capabilities including BNPL installment payments, A2A instant transfers, Smart Collection (automated debt recovery), Subscription management, E-invoicing, and Instant Checkout. All modules are connected through a universal Payment Orchestration REST API that integrates with 500+ banks and PSPs across 40+ countries, enabling merchants to orchestrate payments and reconcile data across business software.

Differentiator

Problem solved

Functional benefit

Brands

• PayByLink: Core secure remote payment link platform enabling payment collection via email, SMS, WhatsApp, QR code, and social channels
• VoicePay
• PayPhone / Paytweakapp
• PayPOS
• Payalink
• RTVC3 (Real Time Voice Credit Card Capture)

Products and services

• PayByLink Flagship product enabling secure remote payments via payment links sent by email, SMS, WhatsApp, QR code, or chat. Provides universal payment links that redirect customers to a secure hosted payment page for card or bank payment processing, with anti-phishing technology and digital signing.
• VoicePay Secure voice-based payment solution for call centers and telephone transactions. Enables real-time credit card capture during phone calls without breaking agent-customer dialogue, with Voice Strong Customer Authentication (V-SCA) and PCI-DSS compliance. Processes over 10,000 voice payments daily across 7,000+ call center agents.
• PayPhone SoftPOS (Paytweakapp) Mobile application transforming smartphones and tablets into contactless payment terminals (SoftPOS/TPE). Accepts NFC contactless payments without additional hardware, manages a fleet of apps in real-time via SaaS, and provides instant sales reporting. Available on Google Play.
• PayPOS Payment orchestration platform for Android terminals and SmartPOS devices. Transforms payment terminals into intelligent, omnichannel, multi-PSP payment platforms with multi-provider routing, intelligent fallback, and real-time transaction status propagation.
• Payment Orchestration API Universal REST API connecting to 500+ banks, PSPs, and wallets across 40+ countries, enabling payment orchestration and data reconciliation across business software and systems. Supports remote account creation, configuration, white-label integration, user management, predefined message injection, and statistical reporting.

Quantifiable outcome

• 93%+ conversion rate on payment link transactions with zero fraud
• +5 more outcomes

Named customers21 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration25 records

AI capability9 records

Feature13 records

Partnerships

19 partnerships are on record, tiered core, flagship, major and minor.

• Amadeus Gestour 360coreTechnology or Integration · 2 July 2023Amadeus Gestour 360 travel software integrates Paytweak PayByLink for 100+ travel agencies in France. Provides secure remote payment for reservations and bookings within the Gestour 360 booking and management platform.
• BNP ParibasflagshipChannel Partner/ Reseller/ DistributorOfficial BNP Paribas partnership with dedicated 'Light' plan at €11.90/month for BNP professional clients. Integration with BNP Mercanet payment gateway. Includes marketing co-investment and dedicated support line for BNP customers.
• Business FrancecoreGTM or Marketing PartnerBusiness France partnership for international market expansion. Paytweak generates 90% export revenue with support from Business France. Participates in trade missions and international exhibitions under Business France pavilion.
• AdyencoreTechnology or IntegrationAdyen integration partnership enabling Paytweak users to connect through Adyen's global payment platform with access to Adyen's payment methods and acquiring services.
• StripecoreTechnology or IntegrationStripe integration partnership providing Paytweak users access to Stripe's payment processing capabilities and payment method coverage.
• WorldlinecoreTechnology or IntegrationWorldline SIPS official partner with dedicated integration for Worldline payment gateway users in France and Europe.
• LCLmajorChannel Partner/ Reseller/ DistributorLCL official partnership with Sherlock payment integration version 2. Paytweak enhances LCL client experience with PayByLink payment capabilities.
• Arkéa BanquemajorChannel Partner/ Reseller/ DistributorArkéa Banque partnership including Citélis integration for Arkéa group business clients seeking remote payment solutions.
• FrenchTechcoreGTM or Marketing PartnerFrenchTech membership representing Paytweak as a leading French fintech company with international growth ambitions.
• France FintechcoreGTM or Marketing PartnerFrance Fintech membership as a recognized French fintech company, providing industry representation and networking.
• ACSELminorGTM or Marketing PartnerACSEL member representing digital economy and e-commerce sector interests in France.
• Checkout.comcoreTechnology or IntegrationCheckout.com integration partnership enabling Paytweak users to access Checkout.com's payment processing platform and global payment methods.
• PayLine by MonextmajorTechnology or IntegrationPayLine official partner integration with Monext payment services for French market coverage.
• WorldpaymajorTechnology or IntegrationWorldpay integration partnership for global payment processing capabilities.
• Ingenico ePayments (Ogone)coreTechnology or IntegrationIngenico ePayments (formerly Ogone) ASP partner integration enabling Paytweak as upgrade for Ogone payment accounts with email/SMS payment link capabilities.
• CyberSource (Visa)majorTechnology or IntegrationCyberSource official partner providing fraud management and payment security capabilities integrated with Paytweak platform.
• 7SecuritycoreTechnology or Integration7Security is Paytweak's new Qualified Security Assessor (QSA) for PCI-DSS 4.0.1 certification audit and compliance assessment.
• Floa Banque (BNPL)majorTechnology or IntegrationFloa Banque partnership providing Buy Now Pay Later (BNPL) capabilities including 3x, 4x, 12x, and up to 36x installment payments integrated into Paytweak platform.
• Agence Protection des ProgrammesminorOthersAgency partnership for program protection and intellectual property security services.

Scale indicators15 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Checkout.com: Global PSP offering hosted checkout, payment links, and orchestration services. Listed as a Paytweak integration partner and serves overlapping SMB and enterprise merchants, particularly in European retail and travel.
• Stripe: Global payments platform whose Stripe Payment Links product directly mirrors Paytweak's PayByLink and whose Issuing/Connect offerings also overlap with Paytweak's orchestration thesis. Both sell developer-first hosted-checkout tooling to SMBs and enterprises globally, and they overlap in travel/retail verticals.
• Trust Payments: Global payment platform offering hosted checkout, payment links, and gateway services with a strong European merchant base. Comparable competitor in the diversified cross-border SMB-to-mid-market segment that Paytweak targets.
• PCI Pal: UK-listed provider of secure payment solutions for contact centres, taking card data out of the agent environment via DTMF masking and voice capture. Direct peer specifically for Paytweak's VoicePay call-center product and the V-SCA voice strong-customer-authentication proposition.
• PayPlug: French SMB-focused online payment gateway owned by La Banque Postale. Closest French analogue to Paytweak's bank-partnered SMB payment proposition, particularly for the small professional segment that buys the BNP Paribas 'Light' Paytweak plan.
• SumUp: European SMB payments provider combining a SoftPOS app (SumUp Tap to Pay) with payment links, gateways and a merchant account. Comparable to Paytweak's PayPhone SoftPOS + PayByLink combination for European micro-merchants and retail.
• Mollie: European SMB payments platform offering payment links, gateways, and multi-method checkout across multiple countries. Comparable as a mid-market European competitor vying for the same diversified cross-border SMB merchant base that Paytweak serves with its 40+ country footprint.
• Lyra Network (PayZen): French payment service provider serving merchants, e-commerce, and marketplaces with hosted payment pages and orchestration. Direct French competitor in the same merchant and ISV segments, with comparable bank-distribution heritage.

Broad incumbents

• Adyen: Global enterprise payment platform providing unified acquiring, orchestration, and POS tooling. Adyen is an integration partner of Paytweak rather than a head-to-head rival but represents the upper bound of competition for global commerce payments and is the canonical payment-orchestration incumbent.
• Worldline: European payment processor with SIPS gateway that Paytweak integrates with. Comparable as a France/Europe-centric payments incumbent offering acquiring, gateways, and merchant services to the same retail and SMB segments that Paytweak serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/paytweak
• LinkedInlinkedin.com/company/paytweak
• Facebookfacebook.com/paytweak

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds2 records

Investors

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 Paytweak