PayMe

What PayMe does

PayMe is an Israeli embedded finance platform founded in 2014 and headquartered in Tel Aviv, with additional offices in London and Delaware. The company provides APIs that enable banks, acquirers, platforms, marketplaces, FinTechs, and merchants to embed financial offerings into their products under their own brand. Its product suite is organized into three modules: Payments (checkout, recurring billing, SCA and 3DSecure 2 fraud prevention, and 85+ alternative payment methods including PayPal, ACH, and SEPA), Financial Services (financing, loans, BNPL, invoice factoring, closed-loop wallets, reconciliation, and payouts), and Accounting & Operations (digital accounting, tax automation, and invoicing for gig platforms and the creator economy). The platform also supports split transactions between multiple sellers, dynamic fee configuration, and global seller onboarding with immediate payment acceptance.

PayMe operates an API-first, white-label business model. Revenue streams include payment processing fees, recurring billing services, financing products, white-label licensing, and subscription-based accounting and tax services; pricing is not publicly disclosed and is negotiated with enterprise buyers. PayMe LTD is a licensed credit provider (license no. 64002) and a licensed financial asset service provider (license no. 60729) regulated by the Israeli Capital Markets, Insurance and Savings Authority, a structural asset that allows the company to absorb regulatory burden that partners would otherwise face. Distribution occurs through direct enterprise sales, white-label/OEM partnerships, and pre-built plugins on Magento, Wix, and WooCommerce.

The customer base spans enterprise platforms and retailers including Wix, Wolt, Shufersal, Super Pharm, IKEA, Suzuki, Hot Cinema, and WiiWi. Headcount is reported at 11–50 employees. No funding rounds, M&A activity, or revenue figures are disclosed in the available inputs, which limits visibility into the company's capital structure and financial scale.

Name

PayMe

Legal name

PayMe LTD

Website

https://paymeservice.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

PayMe is an Israeli embedded finance platform providing APIs that enable banks, acquirers, platforms, and marketplaces to embed payments, financing, and accounting services into their products under their own brand.

Ownership category

akta.pro rank

Product category

Embedded Finance / Payment Infrastructure

NAICS

Sales Financing (52222)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Instant Payouts & Earned Wage Access (EWA) (FSAMAKAM), Marketplace & Platform Seller Payouts (FSAMAKAE), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Embedded finance platform
• Payment processing APIs
• White-label fintech
• Marketplace payment solutions
• Alternative payment methods

Headquarters

HQ city

Tel Aviv-yafo

HQ country

Israel

HQ region

Middle East

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Revenue generated from payment processing services including checkout, transaction fees, and alternative payment method integrations for platforms and marketplaces
2. Recurring Billing Services: Revenue from tokenization and subscription management services for recurring payments
3. Financing Products: Revenue from loans, BNPL, invoice factoring, and instant payout services offered through platform partners
4. White-Label Licensing: Revenue from licensing the embedded finance platform to partners who rebrand and offer services under their own brand
5. Accounting & Tax Services: Revenue from digital accounting, tax automation, and invoicing services for gig platforms and SMBs

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

PayMe provides an API-first embedded financial ecosystem that enables platforms, marketplaces, FinTechs, and banks to embed payments, financing, accounting, and compliance services into their own products under their own brand. The offering spans three product lines — Payments, Financial Services, and Accounting & Operations — supported by 85+ alternative payment methods, pre-built plugins for major eCommerce platforms, and built-in KYC/AML tooling. PayMe operates as a licensed credit provider and financial asset service provider, so partners can launch financial services without holding their own regulatory licenses.

Product overview

PayMe is an embedded financial ecosystem platform that enables platforms, marketplaces, FinTechs and banks to embed financial offerings into their products. The offering consists of three core product lines: Payments (for Checkout, Recurring Billing, and Fraud Prevention), Financial Services (for Financing, Loans, Invoice Factoring, and Payouts), and Accounting & Operations (for Digital Accounting and Tax Automation). These products work together as an integrated suite, allowing partners to become a One-Stop-Shop for their users across the entire financial services value chain from payment acceptance through accounting and compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Payments

Quantifiable outcome

• 10X revenue potential for platform partners through embedded financial services

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature10 records

Partnerships

Three partnerships are on record, tiered core and major.

• WixcoreStrategic or Co-development PartnerWix partners with PayMe to provide merchants with enhanced payment method choices and flexibility, helping them remain competitive, increase conversions, and grow revenues. Omer Shatzky, Head of Fintech and Risk at Wix, confirmed the partnership enables better merchant outcomes.
• WoltcoreStrategic or Co-development PartnerWolt uses PayMe to enable courier partners to manage business requirements seamlessly, from business setup to bookkeeping and tax compliance as a service. Wolt considers this a game changer for platform workers and continues supporting usage across their courier community.
• ShufersalmajorTechnology or IntegrationAs Israel's largest retailer, Shufersal selected PayMe as their technological payments partner to optimize checkout experience across channels while having the ability to scale and support innovative business models.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Marqeta: Marqeta provides card-issuing and payment infrastructure purpose-built for platforms and fintechs — comparable to PayMe's API-first, platform-oriented, white-label infrastructure model.
• Stripe (Stripe Connect): Stripe Connect offers embedded payments and financial services for platforms and marketplaces — the most direct global competitor to PayMe's white-label, multi-method, multi-vertical platform play.
• Payoneer: Payoneer provides cross-border payments, payouts, and working capital for marketplaces, freelancers, and SMBs — directly comparable to PayMe's gig-economy, marketplace seller, and cross-border payout positioning.
• Rapyd: Rapyd offers a Fintech-as-a-Service platform that lets businesses embed payments, wallets, issuing, and disbursements globally — directly comparable to PayMe's 'embedded financial ecosystem' positioning.
• Mangopay: Mangopay is purpose-built payment infrastructure for marketplaces and platforms, offering multi-seller payments, escrow, KYC, and payouts — closely aligned with PayMe's core marketplace use cases.
• Primer: Primer provides payment orchestration and infrastructure for platforms and merchants, overlapping with PayMe's checkout, multi-PSP routing, and unified API approach.

Broad incumbents

• Adyen: Adyen's for Platforms product enables marketplaces and platforms to accept payments, split funds, and onboard sub-merchants — overlapping significantly with PayMe's payments and marketplace acquiring capabilities, though Adyen is broader (also serves large direct merchants).
• Checkout.com: Checkout.com is a global payment processor with an expanding platforms/processing offering — comparable to PayMe at the processing layer, though much larger and more focused on enterprise merchants than SMBs.
• Nuvei: Nuvei provides a broad payments and embedded-finance platform serving merchants, platforms, and fintechs — overlapping with PayMe's marketplace acquiring, payouts, and APM coverage at the enterprise tier.

Emerging players

• Airwallex: Airwallex offers embedded financial infrastructure including payments, wallets, and issuing for platforms and businesses — an emerging global competitor to PayMe with a more cross-border FX-led value proposition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/PayMeService
• LinkedInlinkedin.com/company/payme-service-com
• Instagraminstagram.com/payme_life

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

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 PayMe