FIME

What FIME does

Fime is a France-headquartered, PE-backed testing and certification services company specializing in secure transaction ecosystems across payments, smart mobility, and digital identity. Founded in 1962 and now operating as FIME SAS under Gallant Capital Partners ownership, the company provides end-to-end capabilities spanning strategic consulting, cloud-based test platforms (Fime Test Factory, Eval+, Smartspy+, Probe+, TrustAPI+), and laboratory testing services across international and domestic payment schemes including EMVCo, Visa, Mastercard, American Express, JCB, Discover, UnionPay, eftpos, Interac, RuPay, ATH, and Troy.

The company's technical stack combines ISO 27001-certified cloud platforms with hardware probes, supporting Level 1, 2, and 3 EMV certification, open banking API testing (Berlin Group, STET, PSD2 XS2A), biometric card sensor testing, smart mobility ticketing (EMV in transit, NCMC, account-based ticketing), and emerging trust frameworks including MOSIP, DIACC PCTF, and OpenID Foundation conformance. In April 2026, Fime launched FACT, a trust-as-a-service platform for AI agent transactions. The firm operates 8 regional offices and 12 licensed distributors, serving 3,000+ clients in 180+ countries with a headcount in the 501-1,000 range.

Revenue is generated through three primary streams: (1) testing and certification services billed per project or per certification, (2) annual subscriptions for cloud-based test platforms and hardware tools, and (3) professional services including consulting, payments advisory, lab outsourcing, and Fime Academy training priced at EUR 950 per person per day for public courses. Distribution combines direct enterprise sales, a self-serve PLG motion via cloud platforms, and a global distributor channel. In September 2024, Fime acquired UK-based Consult Hyperion to extend digital identity and smart mobility consulting capabilities, and previously acquired CETECOM in June 2020.

Name

FIME

Legal name

FIME SAS

Website

https://fime.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Fime is a France-based, PE-owned testing and certification firm serving payment schemes, issuers, acquirers, vendors, mobility operators, and governments across 180+ countries. It provides cloud-based test platforms, EMV and biometric certification, open banking compliance, and consulting services for secure transaction ecosystems.

Ownership category

akta.pro rank

Product category

Payment Testing and Certification

NAICS

Testing Laboratories and Services (541380), Testing Laboratories and Services (54138), Custom Computer Programming Services (541511)

SIC

Services-Testing Laboratories (8734), Services-Computer Programming Services (7371)

akta.pro primary industry

Quality Engineering & Test Automation (QE/QA) (BPAEAFAJ)

akta.pro secondary industries

Enterprise Application Testing & QA Services (BPAEAGAI), QA, Test Automation & Software Quality (Manual/Automated Testing, Performance) (EDABAFAL), Fintech & Payments Partner / ISO Referral Networks (FSAEAMAK)

Keywords

• Payment testing
• Certification services
• Digital identity
• Smart mobility
• Open banking testing

Headquarters

HQ city

Goulles

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Testing and Certification Services: Laboratory testing and certification services for payment terminals, cards, biometrics, and digital identity solutions. Services include EMVCo testing, PCI compliance, and scheme certifications (Visa, Mastercard, etc.). Revenue generated through per-project testing fees and certification charges.
2. Test Platforms and Tools: Cloud-based test platforms (Eval+, Fime Test Factory) and hardware tools (Smartspy+, Probe+) sold via annual subscriptions. Annual subscription model includes all specification updates and platform access.
3. Consulting Services: Strategic and technical consulting engagements covering payment advisory, smart mobility implementations, digital identity frameworks, compliance and risk management, and operational effectiveness.
4. Training Services (Fime Academy): Professional training courses on EMV specifications, contactless payments, transit ticketing systems, and certification processes. Pricing at 950 EUR per person per day for public courses, with custom in-company training options.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

FIME provides end-to-end testing, certification, and consulting services for payment solutions, smart mobility, and digital identity ecosystems. The company sells proprietary cloud-based test platforms (FIME Test Factory, Eval+, Smartspy+, TrustAPI+, FACT) on annual subscriptions, and delivers laboratory-based EMVCo, PCI, and biometric certification testing, payments advisory, and professional training (FIME Academy) to payment schemes, issuers, acquirers, retailers, vendors, transit operators, governments, and identity providers.

Product overview

FIME is a global consulting and testing company enabling secure transaction solutions across payments, smart mobility, and digital identity. The portfolio combines a unified platform (FIME Test Factory) for cloud-based test management with specialized test tools including Eval+ for Level 2 terminal certification, Smartspy+ for transaction analysis, TrustAPI+ for open banking API testing, and FACT for agentic commerce trust verification. Testing services span card/terminal/mobile certification, biometrics, digital identity, and smart mobility across major international payment schemes (EMVCo, Mastercard, Visa, American Express, JCB, Discover, UnionPay, eftpos, Interac, RuPay) and regional schemes. Consulting services include payments advisory, technical consulting, test strategy, and lab outsourcing. Training is delivered through FIME Academy. The September 2024 acquisition of Consult Hyperion expanded FIME's digital identity and smart mobility consulting capabilities with Hyperlab R&D.

Differentiator

Problem solved

Functional benefit

Brands

• FACT (Framework for Agentic Commerce Trust): A trust-as-a-service platform designed for financial institutions, merchants, and payment technology providers to manage secure transactions with AI agents.

Products and services

• FIME Test Factory
• Eval+
• Smartspy+
• FACT (Framework for Agentic Commerce Trust)
• TrustAPI+
• Level 1 Test Tools
• Level 2 Test Tools
• Level 3 Test Tools
• EMV 3-D Secure Test Platform
• Open Banking Test Tools
• Transport Test Tools
• Mobile Test Tools
• Instant Payments Test Tools
• Digital Identity Test Tools
• Biometrics Testing Services
• Digital Identity Certification Services
• Card, Terminal, Mobile Testing Services
• Smart Mobility Testing Services
• Payments Advisory
• FIME Academy
• Test Strategy
• Lab Outsourcing

Quantifiable outcome

• Fime's cloud-based certification platform streamlined testing and certification for Saudi payments' new card scheme
• +2 more outcomes

Named customers3 records

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

AI capability4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Digital ID and Authentication Council of Canada (DIACC)coreTechnology or Integration · 16 June 2026Fime accredited as official auditor of the Pan-Canadian Trust Framework (PCTF), becoming one of the first DIACC-accredited auditors based in Quebec. Enables Fime to perform independent compliance audits for financial institutions, fintechs, governments, identity providers, and technology organizations.
• MOSIPcoreTechnology or Integration · 9 June 2026Fime secured accreditation from MOSIP to conduct biometric device testing for national digital identity programs. Enables Fime's laboratory to provide independent validation that biometric devices meet industry standards and MOSIP requirements.
• OpenID FoundationcoreStrategic or Co-development Partner · 19 March 2026OpenID Foundation MoU with FIME Alliance, FIDO Alliance, Raidiam, and TrustID Solutions to develop a conformance test program for digital ID systems. Program aims to support global implementation of digital identity standards.
• France Identité/EUDI Wallet StakeholdersminorStrategic or Co-development Partner · 6 February 2026France formalized a Memorandum of Understanding uniting over 70 organizations including Atos, Thales, Sopra Steria, Infineon, and iDAKTO to coordinate preparations for France's implementation of the European Digital Identity (EUDI) Wallet.
• Consult HyperioncoreStrategic or Co-development Partner · 3 September 2024Fime acquired Consult Hyperion, an expert in payments, smart mobility, and digital identity, to strengthen its consulting and advisory capabilities. The acquisition expanded Fime's expertise and global reach, serving clients from startups to market leaders.

Scale indicators5 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• SGS: SGS is one of the world's largest TIC groups, with electronic and payment-related testing services. Its global lab network and accreditation infrastructure position it as a broad incumbent that could expand deeper into payment certification alongside FIME.
• Bureau Veritas: Bureau Veritas is a global testing, inspection and certification (TIC) giant with growing exposure to digital trust, cybersecurity, and payment ecosystem services. Its scale and laboratory footprint make it a credible alternative to FIME for scheme-mandated testing.
• IDEMIA: IDEMIA is a major player in payment cards, biometric authentication, and government digital identity. It competes with FIME in the testing, certification, and standards-setting ecosystem for biometric payment cards, ePassports, and national ID programs.
• Intertek: Intertek is a global TIC leader with capabilities spanning electronics, payments, cybersecurity, and connected devices. Comparable to FIME in serving global payment and identity customers with accreditation-driven testing and certification services.
• TÜV SÜD: TÜV SÜD provides testing and certification across automotive, payment, and digital identity categories. Its global accreditation footprint and ability to bundle testing with broader compliance services make it a broad incumbent comparable to FIME in regulated certification markets.
• Thales (Digital Identity & Security): Thales DIS offers digital identity, payment card issuance, and secure transaction solutions. While broader than FIME's certification focus, Thales competes in adjacent areas including biometric cards, mobile payment security, and digital identity frameworks where FIME also provides testing and certification.
• DEKRA: DEKRA is a leading TIC company with growing digital trust and cybersecurity practices. It is comparable to FIME in providing scheme-aligned certification testing and global laboratory coverage for payment and connectivity products.

Emerging players

• Trustonic: Trustonic provides hardware-backed security platforms for mobile payments, connected cars, and IoT. It is comparable to FIME as an emerging player in the payment security and trusted execution environment ecosystem, where FIME provides adjacent certification and testing services.

Direct peers

• Riscure: Riscure is a specialist in security testing and certification for payment cards, mobile payments, and embedded devices. It overlaps with FIME's biometric, EMVCo, and security evaluation services, serving overlapping chip vendors, terminal makers, and mobile payment providers.
• UL Solutions (Payments & Compliance): UL Solutions' Payments & Compliance business (formerly ICC Solutions) is the most direct competitor to FIME, providing EMVCo Level 1/2/3 terminal testing, scheme certifications, and PCI compliance services. Multiple FIME executives (Sherif Samy, Daniella Ribeiro) were previously at UL, confirming close product and customer overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/fimenews
• YouTubeyoutube.com/channel/UCh63ZsynlgeGsjIJXVWZyjg
• LinkedInlinkedin.com/company/fime

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FIME