Buckaroo

What Buckaroo does

Buckaroo is a Netherlands-headquartered payment service provider (PSP) founded in 2005 and licensed by De Nederlandsche Bank, serving 54,000+ merchants across the Benelux region from its Utrecht headquarters with 101-250 employees. The company operates an all-in-one payment platform spanning online checkout (40+ payment methods including iDEAL, credit cards, PayPal, Klarna, Bancontact, Apple Pay, Google Pay, and the new Wero), physical POS terminals (Buck Mini 4G, Buck Smart, Buck Mobile available for purchase from €169, lease from €12.85/month, or rent from €10.45/day), omnichannel unification, subscription management, credit management (debtor collections), split payments for marketplaces, smart checkout optimization, and a digital wallet. Following the 2023 merger with SEPAY, Buckaroo combines online and offline payment processing under a single Payment Plaza dashboard.

Revenue is generated primarily via per-transaction fees (pay-as-you-go, no monthly minimum for basic accounts), supplemented by hardware sales/lease/rental, subscription management fees, credit management service fees, and — most recently — embedded SME financing through Buckaroo Capital, launched March 2026 in partnership with YouLend, with repayments structured as a percentage of merchant revenue. Distribution combines a self-serve PLG model (free plugins for Shopify, WooCommerce, Magento, Shopware, Lightspeed, BigCommerce, and CCV Shop) with an enterprise field-sales motion for complex integrations and an exclusive ABN AMRO bank-referral partnership (February 2024). The platform is PCI DSS, PSD2/SCA, and GDPR/AVG compliant, with certifications underpinning its regulated payment-institution status.

Buckaroo's strategic positioning combines a long-tenured Dutch SMB franchise (54,000+ merchants, 500+ charities, 20-year brand), category specialization (charities, franchise organisations, omnichannel retail), and a 2025-2026 expansion arc into adjacent financial services — most notably Buckaroo Capital (embedded working capital), Wero/Payconiq/EPI cross-border European payments, and partnerships with Bizcuit and Silverflow for platform depth. Customer segments span SMBs and entrepreneurs (primary), enterprise organisations (Videoland, TerStal, ANWB, Nederlandse Loterij, Youfone, Burgers' Zoo, Corendon, Swapfiets, Primera), charities/nonprofits (Hartstichting, The Ocean Cleanup), franchise chains, B2B/international trade, mobility/on-the-go merchants, and government entities. The company is privately held, backed by European PE firm Keensight Capital since 2022, and led by CEO Paul Scholten and CCO Maurits Dekker.

Name

Buckaroo

Legal name

Buckaroo

Website

https://buckaroo.nl

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Buckaroo is a Netherlands-based payment service provider serving 54,000+ Benelux merchants with an all-in-one platform spanning online checkout, POS terminals, omnichannel, subscriptions, credit management, and embedded SME financing.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (522220), Credit Card Issuing (52221)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB)

akta.pro secondary industries

POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), Tokenized Treasury, Money Market & Cash Management Products (FSADAEAB)

Keywords

• Online payment processing
• POS terminals
• Payment service provider
• Omnichannel payments
• Subscription management

Headquarters

HQ city

Utrecht

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Transaction Processing: Merchants pay per-transaction fees for processing online and in-store payments. Buckaroo aggregates 40+ payment methods (iDEAL, credit cards, PayPal, Klarna, Bancontact, etc.) and charges transaction fees. Fee structure is usage-based (pay-per-transaction), with no monthly minimums for basic accounts.
2. PIN Terminal Hardware Sales, Lease & Rental: Buckaroo sells, leases, and rents payment terminals (e.g., Buck Mini 4G, Buck Smart, Buck Mobile). Purchase prices start from €169 for the Buck Mini 4G. Rental options start at €10.45/day and leasing from €12.85/month. This is a mix of one-time hardware revenue and recurring leasing income.
3. Subscription Management Services: Merchants using Buckaroo's subscription management solution for recurring billing pay fees associated with automated collection, token management, and failed payment retry workflows.
4. Credit Management / Collections: Fees for debtor management services including invoice sending, payment follow-up, and collections. Described as 'klantvriendelijk' (customer-friendly) credit management.
5. Embedded Finance (Buckaroo Capital): Working capital financing for SMEs integrated into the Buckaroo platform. Revenue is generated through the financing product — repayments structured as a percentage of future revenue, suggesting a revenue-sharing or interest/fee model with YouLend.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Buckaroo is a Netherlands-based licensed payment service provider operating a cloud-based payment processing platform that enables merchants to accept 40+ online and in-store payment methods (iDEAL, credit cards, PayPal, Klarna, Bancontact, Apple Pay, SEPA, Wero, etc.). The company sells, leases, and rents PIN terminals (Buck Mini 4G, Buck Smart, Buck Mobile) and offers enterprise modules for credit management, subscription management, smart checkout, digital wallet, and split payments. In March 2026 it launched Buckaroo Capital, an embedded SME working capital financing product in partnership with YouLend.

Product overview

Buckaroo is a Netherlands-based payment service provider offering a comprehensive payment platform with both online and offline (omnichannel) capabilities. The core offering consists of Online Betalingen (online payment processing with 40+ payment methods including iDEAL, credit cards, PayPal, Klarna) and Pinapparaten (POS terminals available for purchase, lease, or rental). These are unified through the Omnichannel solution for a 360-degree payment experience. Enterprise add-on modules include Credit Management (debtor management), Subscription Management (recurring payments), Smart Checkout (self-learning checkout optimization), Digital Wallet, and Split Payments (for marketplaces). The Payment Plaza serves as the central management dashboard. Recent additions include Buckaroo Capital (SME financing via YouLend partnership), Tap to Pay (smartphone-based payments), Hosted Fields (secure card processing), Click to Pay, and Tokenization services. Product lineup includes the Buck Mini 4G mobile terminal, and the company supports various payment methods including Wero (successor to iDEAL), Pay by Bank, iDEAL QR, Swish, TWINT, and Bizum.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Payments (Online Betalingen)
• PIN Terminals (Pinapparaten)
• Buck Mini 4G

Quantifiable outcome

• 54,000+ merchants across Benelux using Buckaroo's payment platform for their core payment operations
• +3 more outcomes

Named customers15 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature11 records

Partnerships

Ten partnerships are on record, tiered flagship, supporting, core and minor.

• YouLendflagshipStrategic or Co-development Partner · 25 March 2026Buckaroo and YouLend launched Buckaroo Capital, a working capital financing service embedded directly into the Buckaroo payment platform for SMEs. The product leverages transaction data to assess creditworthiness and offers financing with repayments as a percentage of future revenue. Full platform integration expected before summer 2026. This is Buckaroo's flagship embedded finance initiative.
• SilverflowsupportingTechnology or Integration · 28 January 2026Buckaroo and Silverflow partnered to offer merchants innovative card processing solutions. Silverflow provides a modern card processing infrastructure that Buckaroo integrates to enhance its card payment acceptance capabilities.
• Payconiq InternationalflagshipStrategic or Co-development Partner · 13 October 2025Buckaroo, Payconiq International, and the European Payments Initiative (EPI) entered a strategic cooperation to support Wero rollout in Luxembourg. The plan involves transitioning Payconiq's merchant portfolio to Buckaroo, enabling Wero acceptance in Luxembourg in 2026. The partnership was made official in January 2026.
• European Payments Initiative (EPI)flagshipStrategic or Co-development Partner · 13 October 2025EPI is a pan-European payment initiative behind the Wero payment method. Buckaroo supports Wero as a successor to iDEAL for cross-border European payments. EPI, Payconiq, and Buckaroo are cooperating to introduce Wero in Luxembourg first, with broader European rollout planned.
• BizcuitcoreStrategic or Co-development Partner · 1 October 2025Partnership with Bizcuit (announced October 2025) was referenced as the foundation on which Buckaroo's broader embedded finance capabilities were built. Bizcuit is a financial platform for SMEs that Buckaroo integrated to enable embedded working capital financing.
• ABN AMROcoreChannel Partner/ Reseller/ Distributor · 29 February 2024Unique partnership between ABN AMRO and Buckaroo (announced February 2024) designed to increase accessibility of Buckaroo's innovative payment services for retail merchants. ABN AMRO refers its merchant banking customers to Buckaroo's payment infrastructure, extending Buckaroo's reach through the bank's branch network.
• Nederlandse Franchise Vereniging (Dutch Franchise Association)supportingStrategic or Co-development PartnerBuckaroo partnered with the Nederlandse Franchise Vereniging to offer unified payment solutions to franchise organisations across the Netherlands. This partnership addresses the specific omnichannel and multi-location payment needs of franchise businesses.
• Techniek NederlandminorGTM or Marketing PartnerBuckaroo became a partner of Techniek Nederland (industry association for installation and technology companies), expanding its reach in the technical services sector.
• KPNsupportingTechnology or IntegrationBuck Mini 4G PIN terminals use the KPN mobile network (4G connectivity) across Europe. KPN provides the cellular connectivity infrastructure for Buckaroo's mobile PIN terminals.
• Goede Doelen Nederland (Dutch Charity Association)supportingGTM or Marketing PartnerBuckaroo is an official partner of Goede Doelen Nederland (Dutch Charity Association), positioning itself as the specialist PSP for charitable organisations processing donations via iDEAL QR, credit card, PayPal, SEPA Direct Debit, and recurring payments.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Stripe: Global internet economy payment infrastructure platform serving online businesses of all sizes. Comparable on online payment processing, API-first developer experience, and platform/marketplace functionality (Stripe Connect comparable to Buckaroo Split Payments).
• Worldline: European payments incumbent offering merchant acquiring, POS terminals, and digital payment services across multiple countries. Broader and larger than Buckaroo; overlaps on Dutch/Benelux merchant acquiring and terminal hardware.
• Nexi: Large European payments group covering merchant acquiring, card issuing, and digital banking infrastructure. Overlaps with Buckaroo on European merchant acquiring and POS, though Nexi operates at significantly larger scale and broader scope.

Direct peers

• CCV: Netherlands-based payment solutions provider specializing in POS terminals and integrated in-store payment software. Direct competitor to Buckaroo in the physical retail and omnichannel segment, particularly for terminal hardware.
• Pay.nl: Dutch payment service provider focused on online payments, payment links, and terminals for SMBs and entrepreneurs. Closely comparable to Buckaroo on geography, target customer (Dutch SMB), and product suite.
• Mollie: Amsterdam-based payment service provider serving European SMBs and enterprises with multi-method online payment processing, terminals, and embedded finance. Directly comparable to Buckaroo on geography, target segment, product breadth, and GTM.
• Adyen: Amsterdam-headquartered global payments platform providing online, in-store, and platform payment processing for enterprise merchants. Directly competes with Buckaroo in the Netherlands and Benelux, though operating at significantly larger scale with a global enterprise focus.
• MultiSafepay: Dutch PSP offering online and in-store payment processing with a broad payment-method portfolio and e-commerce plugins. Direct competitor to Buckaroo in the Netherlands, particularly among webshops and mid-market merchants.
• SumUp: European SMB-focused payments company offering card readers, online payments, and business accounts. Comparable to Buckaroo on SMB target segment, multi-country European footprint, and combined hardware-plus-software GTM.

Others

• Klarna: Swedish BNPL provider integrated as a payment method within Buckaroo's checkout. Thematically adjacent rather than competitive: Klarna is a payment method Buckaroo offers to merchants, but its BNPL business model differs from Buckaroo's core PSP activity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BuckarooBV
• GitHubgithub.com/buckaroo-it
• Instagraminstagram.com/buckaroopayments

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Buckaroo