What Nuapay does

Nuapay operates as a bank payment infrastructure brand of Sentenial Ltd, providing Direct Debit, ACH Pull, Instant Bank Pay, Open Banking, and international A2A payment collection across 30+ countries. Following its September 2024 acquisition by GoCardless from EML Payments Limited (announced March 2024), Nuapay became part of GoCardless's broader platform, contributing indirect-channel capability and vertical reach into payroll, financial services, utilities, insurance, and gaming on top of the parent's core subscription and recurring billing base. The technology stack is a REST API with JavaScript SDK, webhook-driven payment event management, and ~350 native integrations across accounting (Xero, QuickBooks, Sage), billing/subscription (Zuora, Chargebee, Recurly, Pennylane, Holded, Sellsy), CRM (Salesforce AppExchange), and automation (Zapier), plus a partner platform with revenue-share economics.

The product suite spans core rails (ACH Pull, BACS, SEPA Direct Debit, One-off/Invoice Payments, Recurring Payments, PayTo in Australia, Instant Bank Pay in UK/Germany, Variable Recurring Payments, Outbound Payments, Instalments) and add-on modules (Success+ for ~70% failed-payment recovery, Protect+ for fraud detection, Verified Mandates, Payment Builder, Access Capital, Open Banking). Pricing is not publicly disclosed. Distribution is overwhelmingly indirect: GoCardless reports 400+ partners across 36 countries and 8 bank schemes, plus enterprise channel via Salesforce AppExchange. The business model is a payments take-rate / scheme-fee model inherited from GoCardless's broader platform economics, monetising Direct Debit and A2A transaction volume. Regulatory footprint includes FCA (UK), ACPR (France), FinCEN registration, NMLS 2123932, ~13 U.S. state money transmitter licences, and AFSL 478976 (Australia), enabling cross-jurisdictional scale.

Name

Nuapay

Legal name

Sentenial Ltd

Website

https://nuapay.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Nuapay (brand of Sentenial Ltd, acquired by GoCardless in September 2024) provides Direct Debit, ACH, and Instant Bank Pay infrastructure across 30+ countries, serving payroll, financial services, utilities, insurance, gaming, and subscription businesses via a 350+ integration partner platform.

Ownership category

akta.pro rank

Product category

Open Banking Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

akta.pro primary industry

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

akta.pro secondary industries

ACH Operator & Clearinghouse Services (FSAMAGAA), Cross-Border & FX Payments Platforms (BPAMAFAK), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Open banking payments
• Direct debit processing
• ACH payment infrastructure
• Bank payment solutions
• Account-to-account payments

Headquarters

HQ city

Kildare

HQ country

Ireland

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Distribution channels1 record

Core offering

Nuapay (operated by Sentenial Ltd) provides bank payment infrastructure and account-to-account (A2A) payment solutions including Direct Debit, ACH, and Instant Bank Pay for businesses. The platform serves financial services, utilities, insurance, gaming, and payroll customers across 30+ countries, with regulatory coverage spanning the FCA (UK), FinCEN/NMLS/State Money Transmitter (US), ACPR (France), and AFSL (Australia).

Product overview

GoCardless is a bank payment platform offering a unified suite of payment collection products. The core offering includes ACH Pull, Direct Debit (BACS, SEPA), One-off Payments, Invoice Payments, and Recurring/Subscription Payments. These are complemented by intelligent add-on modules: Success+ for automated failed payment recovery, Protect+ for fraud protection, and Verified Mandates for compliance. The platform extends through 350+ partner integrations including Salesforce, Xero, Zuora, QuickBooks, Chargebee, and Recurly. International capabilities span 30+ countries with built-in FX powered by Wise. Additional offerings include Instant Bank Pay for instant settlement, Outbound Payments, Access Capital for funding, and a Partner Platform for platform-level integrations with revenue sharing.

Differentiator

Problem solved

Functional benefit

Products and services

• Nuapay Direct Debit Direct Debit payment collection service for businesses needing recurring, automated bank-to-bank collections across 30+ countries.
• Nuapay ACH Payments ACH (Automated Clearing House) payment processing service for businesses seeking bank-to-bank payment rails, particularly in the US market under FinCEN, NMLS, and State Money Transmitter licensing.
• Nuapay Instant Bank Pay Instant account-to-account (A2A) payment service enabling real-time bank-to-bank payments for businesses, built on open banking APIs.

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability3 records

Partnerships

One partnership is on record.

• GoCardless (Parent Company)coreStrategic or Co-development Partner · 1 September 2024GoCardless completed the acquisition of Sentenial Ltd, operating under the Nuapay brand, from EML Payments Limited. The deal was originally announced in March 2024 and completed in September 2024. The acquisition aims to expand GoCardless' indirect channel proposition and allow entry into new vertical sectors including payroll, financial services, utilities, insurance, and gaming. The acquisition enables GoCardless to offer Instant Bank Pay and Direct Debit services across over 30 countries.

Recent moves5 records

Expansion highlights7 records

Broad incumbents

• Adyen: Enterprise-grade global payment platform with a broad range of local payment methods; competes with Nuapay for large enterprise merchants that need recurring billing and multi-country coverage.
• Stripe: Global full-stack payment platform increasingly adding ACH and bank-debit capabilities; competes with Nuapay for merchant recurring billing and invoice use cases, especially in the US.
• Klarna: Through Klarna Group (which absorbed Sofort) offers A2A payments and adjacent BNPL, instalments, and banking services; overlapping on cross-border A2A and the newly launched Instalments product.
• GoCardless: Nuapay's parent company and the platform into which Nuapay is being integrated. Overlap is near-total in Direct Debit and Instant Bank Pay; GoCardless is the broader incumbent against which Nuapay's standalone offering is benchmarked.

Direct peers

• Tink (Visa): Visa-owned Open Banking platform offering account aggregation and payment initiation across Europe; competes directly with Nuapay for European bank-payment infrastructure deals.
• Mollie: European SMB-focused payment platform offering SEPA Direct Debit, instant payments, and a growing partner ecosystem; comparable go-to-market and product catalogue to Nuapay.
• Trustly: A2A payment network focused on online banking-initiated payments across Europe and the US; provides direct competitive overlap with Nuapay's Open Banking / Instant Bank Pay proposition for merchants and partners.
• TrueLayer: Open Banking API platform for payment initiation and data in the UK and Europe; directly competes for the same merchant PISPs and embedded finance use cases Nuapay targets.
• Plaid: Bank-data and payment-Initiation API layer widely used by fintechs; comparable to Nuapay's Open Banking rails and a key alternative in the US and UK for A2A connectivity.
• Wise: Cross-border payment specialist whose infrastructure powers Nuapay's International Payments product; comparable on cross-border bank-payment execution and FX economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/NUAPAY
• Facebookfacebook.com/Nuapay.ie

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Nuapay