What Kani does

Kani Payments is a Newcastle upon Tyne-headquartered SaaS company founded in 2018 that provides automated payment reconciliation, reporting, and compliance software to the global FinTech and payments industry. The platform is purpose-built for the operational complexity of multi-source payment data and serves issuers, acquirers, payment processors, BIN sponsors, e-money institutions, challenger banks, programme managers, and neobanks, with disclosed client logos including Paysafe, Osper, Moorwand, TransactPay, gohenry, Cardaq, IDT Finance, Enfuce, Alviere, Pluxee Group, Glint Pay, and Swiipr. The company operates across five continents and reports having reconciled over €24 billion in processed payments.

The product is delivered as a modular cloud-native platform comprising five core modules — Reconciliation Software, Data Reporting Suite, Business Intelligence & Analytics, Mastercard QMR & Visa GOC Reports, and Safeguarding (aligned to the FCA CASS 15 regime) — supplemented by newer features including the Kani Data Scorecard, Record Matching, and Reconciliation Snapshot. The platform is pre-integrated with 30+ major payment processors (including Thredd, GPS, Marqeta, and Tribe) to automate data ingestion and standardisation, and is certified to ISO 27001 and SOC 2. The Mastercard QMR / Visa GOC solution won Payments Compliance Technology of the Year at the Payments Awards in 2024 and 2025, and Kani was additionally named FinTech of the Year at the Brit FinTech Awards 2025 and Best Data & Analytics Initiative at The Digital Banker 2025.

Kani monetises via an annual subscription SaaS model with flexible modular access plans and quote-based enterprise pricing, sold through a direct enterprise field-sales motion supplemented by inside-sales coverage for mid-market. The GTM is content-led, anchored on proprietary research (the Payments Reconciliation & Reporting Survey 2025 and the QMR & GOC Reporting Survey 2025, each covering 250 UK firms) and timed to the May 2026 FCA CASS 15 go-live. The company is venture-backed, with Maven Capital Partners as lead investor across an initial Series A in early 2025 and a follow-on round in March 2026, alongside NPIF II – Maven Equity Finance, Maven VCTs, and continued backing from the British Business Bank; no revenue, ARR, or valuation figures are publicly disclosed.

Name

Kani

Legal name

Kani Payments Limited

Website

https://kanipayments.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Kani Payments is a Newcastle-based SaaS platform that provides automated payment reconciliation, reporting, and compliance solutions to FinTech firms, issuers, acquirers, BIN sponsors, e-money institutions, and neobanks globally, pre-integrated with 30+ payment processors.

Ownership category

akta.pro rank

Product category

Payment Reconciliation Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Payment Reconciliation, Reporting & Settlement Infrastructure (FSAGABAH)

akta.pro secondary industries

Processor Back-End & Switch Providers (Issuer/Acquirer Processing Infrastructure) (FSAMABAJ), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Payment reconciliation software
• Card scheme reporting
• Regulatory compliance solutions
• Financial data analytics
• Payment processor integration

Headquarters

HQ city

Newcastle Upon Tyne

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription: Subscription-based SaaS model providing access to reconciliation, reporting, analytics, and compliance modules. Flexible, modular access plans depending on customer needs. Cloud-based with no limits on transaction volumes.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels7 records

Core offering

Kani Payments provides a modular SaaS platform that unifies fragmented payments data from any processor, bank, or internal system, standardises it, and delivers automated reconciliation, flexible regulatory and card-scheme reporting, business intelligence, and FCA CASS 15 safeguarding controls. The platform is pre-integrated with more than 30 payment processors and serves issuers, acquirers, BIN sponsors, payment processors, e-money institutions, challenger banks, programme managers, and neobanks across five continents.

Product overview

Kani is a modular SaaS platform providing automated reconciliation, reporting, and compliance solutions for the global payments industry. The core platform unifies fragmented multi-source payment data and delivers it across five integrated modules: Reconciliation Software (automated transaction, settlement, and cross-border matching), Data Reporting Suite (financial, regulatory, and card scheme reports), Business Intelligence & Analytics (actionable insights and risk scoring), QMR & GOC Reports (award-winning Mastercard and Visa quarterly scheme reporting), and Safeguarding (FCA CASS 15 daily reconciliation and audit-ready evidence). The platform is pre-integrated with 30+ payment processors and supports clients across issuers, acquirers, BIN sponsors, payment processors, e-money institutions, challenger banks, programme managers, and neobanks. New capabilities added include the Kani Data Scorecard (processor data quality benchmarking), Record Matching (cross-source transaction traceability), and Reconciliation Snapshot (tamper-proof audit exports).

Differentiator

Problem solved

Functional benefit

Products and services

• Kani Platform Award-winning modular SaaS platform providing automated payment reconciliation, data reporting and compliance for issuers, acquirers, BIN sponsors, payment processors, e-money institutions, challenger banks, programme managers and neobanks. Unifies fragmented multi-source payment data, standardises it and produces audit-ready outputs for card schemes, regulators and finance teams.
• Reconciliation Software End-to-end, high-volume reconciliation tool built for the complexity of payments data, supporting transaction, settlement and cross-border payment reconciliation across multiple data sources, channels and currencies at scale.
• Data Reporting Suite Flexible data reporting suite that delivers comprehensive pre-formatted and bespoke reports for financial, regulatory and card-scheme submissions without manual effort.
• Business Intelligence & Analytics Intuitive analytics and BI offering delivering actionable insights into finance operations, including cardholder behaviour analysis, merchant performance and risk scoring.
• QMR & GOC Reports Award-winning, out-of-the-box solution for Mastercard QMR and Visa GOC quarterly card-scheme reports that automates data ingestion, currency conversion, formatting compliance and submission for issuers and acquirers.
• Safeguarding (CASS 15) End-to-end safeguarding control system aligned to the FCA's CASS 15 regime, providing daily safeguarding reconciliation, resource vs. requirement calculations by currency, shortfall/excess surfacing and audit-ready evidence maintenance for e-money and payment firms.

Quantifiable outcome

• Reduces reporting time from days to minutes for Mastercard QMR and Visa GOC submissions
• +4 more outcomes

Named customers13 records

Segments8 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability6 records

Feature8 records

Partnerships

One partnership is on record.

• SwiiprcoreTechnology or Integration · 1 May 2025Kani partnered with Swiipr to enhance its scalability and infrastructure for airline compensation services. Swiipr uses Kani's data reconciliation solutions to improve operational efficiency and reporting for airlines globally.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• HighRadius: HighRadius provides autonomous finance and reconciliation software for order-to-cash, treasury, and record-to-report processes for enterprise finance teams. It overlaps with Kani in automated reconciliation and data-driven reporting for finance operations.
• BlackLine: BlackLine is a cloud platform for financial close, account reconciliation, and intercompany accounting. It serves as a direct peer in automated reconciliation and audit-ready evidence, though its scope is broader than Kani's payments-specialised focus.
• Pelican AI: Pelican provides AI-driven payments compliance, sanctions screening, and transaction monitoring for banks and payment processors. It is directly comparable to Kani in serving payments firms with compliance and risk infrastructure.
• Vizor Software: Vizor Software is a regulatory reporting platform for financial services, covering prudential, statistical, and compliance reporting. It is comparable to Kani's regulatory and scheme-reporting modules in serving regulated financial institutions.
• Treasury4: Treasury4 is a SaaS platform for treasury operations, including bank reconciliation, cash positioning, and settlement. It overlaps with Kani's reconciliation and settlement modules for fintech and corporate treasury teams.

Emerging players

• Tookitaki: Tookitaki provides AML, fraud, and compliance solutions for fintech and payments firms using a federated learning approach. It is comparable to Kani as a fintech-focused compliance and transaction-monitoring platform, with partial overlap in serving neobanks and processors.
• ThetaRay: ThetaRay offers AI-based transaction monitoring and AML screening for cross-border payments and fintech. It shares Kani's payments-fraud and compliance orientation while focusing more on AML than reconciliation.
• Lucinity: Lucinity is a RegTech platform offering AML compliance, transaction monitoring, and case management for financial institutions. It is comparable as a fintech-compliance peer, though narrower than Kani in reconciliation and scheme reporting.

Broad incumbents

• Finastra: Finastra is a large incumbent financial software provider covering core banking, lending, treasury, and payments infrastructure. It overlaps with Kani as a fintech infrastructure player but serves a much broader portfolio of banking and capital markets use cases.
• Temenos: Temenos provides core banking, payments, and regulatory compliance software to banks globally. It is a broad incumbent in financial services software with overlapping payments and compliance capabilities, though not specialised in reconciliation like Kani.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KaniPayments
• Facebookfacebook.com/people/Kani-Payments/61556594323403
• LinkedInlinkedin.com/company/kanipayments

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds3 records

Investors3 records

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 Kani