Lyra Network

Payment Processing Serviceslyra.com

Lyra Network is a France-headquartered payment solutions provider offering online, mobile, marketplace, and POS payment infrastructure across 3 continents and 50+ countries, serving merchants, banks, and marketplaces with 200+ payment methods.

Company typePrivate
Founded2001
HeadquartersMidway, United States
Headcount251–500
GTM typeB2B
OfferingServices

What Lyra Network does

Lyra Network is a France-headquartered, privately held payment solutions provider founded in January 2001 in Toulouse, operating 11 subsidiaries across three continents and serving clients in over 50 countries. The company offers a horizontal payments platform spanning an online payment gateway, mobile SDK (iOS/Android), marketplace payment orchestration, recurring billing, and POS terminal connectivity infrastructure that links more than one million terminals globally. Lyra supports over 200 payment methods, holds PCI DSS 4.0 certification (continuous since 2009), runs its own certified 3DS2 servers, and has operated as an ACPR-approved payment institution since 2017 via its Lyra Collect brand.

The business model is primarily transaction-based take-rate with no subscription required, supplemented by enterprise multi-year contracts for high-volume merchants, marketplace commission structures, and professional services. Lyra serves e-commerce merchants, retail/POS operators, marketplaces, tourism/hospitality, insurance, banks/financial institutions, and international businesses, distributing through direct enterprise field sales, inside sales, agency/channel partners, marketplace platform integrations (Mirakl, Origami), developer self-service, and white-label/OEM embedding with major French banks (Banque Populaire, Caisse d'Épargne, Société Générale, Crédit du Nord) and acquirers such as First Data (Fiserv). All core technology — REST API, JavaScript SDK, mobile SDK, embedded payment forms, LUMA remote terminal management, and OptiNet network switching — is developed in-house.

The company is led by founder/chairman Alain Lacour and co-founder/CEO Fernando Luna Guzman, with approximately 450 employees. Recent strategic activity centers on the February 2026 launch of the Lyra Nomad unified payment management app (bundling Tap to Pay on iPhone, e-commerce, terminal, call center, marketplace, mobile, and Pay by Link) and a February 2026 partnership to extend Indian UPI acceptance to France, signaling continued product consolidation around unified commerce and cross-border payment-method expansion.

Lyra Network firmographics

Firmographics

Name: Lyra Network
Legal name: Lyra
Website: https://lyra.com
Company type: Private
Founded year: 2001
Operating status: Operating
Headcount range: 251–500 employees
Short description: Lyra Network is a France-headquartered payment solutions provider offering online, mobile, marketplace, and POS payment infrastructure across 3 continents and 50+ countries, serving merchants, banks, and marketplaces with 200+ payment methods.
Ownership category
akta.pro rank

Lyra Network industry classification

Industry

Product category: Payment Processing Services
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
SIC: Services-Computer Processing & Data Preparation (7374), Finance Services (6199)
akta.pro primary industry: Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB)
akta.pro secondary industries: Marketplace & Platform Payments (Split Payments, Sub-merchants) (FSAMACAG), Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)

Keywords

Payment processing
Payment gateway
POS acquiring
Marketplace payments
Online payments

Where Lyra Network is headquartered

Location

Headquarters

HQ city: Midway
HQ country: United States
HQ region: North America

Offices11 records

Markets served

Lyra Network business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

Transaction Processing Fees: Billing only for completed transactions with no subscription or commitment required. Revenue generated per transaction processed through the payment gateway.
Marketplace Commission: Revenue from marketplace payment solution with automatic payout management to sellers with configurable commission structures
Technical and Professional Services: Support services including technical support hotline, risk assessment specialists, and compliance consulting for payment institutions

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Transaction-based pricing for European cards
Transaction based/ take rate	Pay-as-you-go	Transaction-based pricing for non-European cards
Transaction based/ take rate	Multi-year contract	Enterprise/high-volume pricing

Go-to-market motion5 records

Distribution channels6 records

Marketing channels6 records

Lyra Network product offering

Product offering

Core offering

Lyra Network is a French payment service provider and ACPR-registered payment institution that delivers end-to-end payment acceptance and processing for merchants and platforms. Its offerings span online card payments, point-of-sale (POS) acquiring, marketplace split-payments, mobile payments, international multi-currency payments, and recurring/subscription billing.

Product overview

Lyra Network is a comprehensive payment solutions provider offering a platform-plus-modules architecture. The core offering includes the Online Payment Solution for e-commerce alongside specialized modules including Recurring Payment (Cyclopay), International Payments, Mobile Payment, Marketplace Payment, and POS Services. The company provides additional value-added services including Fraud Management, Pay by Link, Embedded Payment, InApp SDK, and the Lyra Nomad unified management app. Lyra Collect serves as the all-in-one sub-brand with ACPR approval for the European market. Geographic variants include Lyra India (with Payment Switch, e-POS, SoundBox, WhatsApp Payment, GPRS SIM), Lyra Brasil (with Veripag settlement, Cyclopay, M2M connectivity), and LATAM-specific solutions (Payment Link, Tokenization, Virtual Terminal). The platform supports over 200 payment methods and connects over 1 million POS terminals globally.

Differentiator

Problem solved

Functional benefit

Products and services

Online Payment Hosted payment gateway and card-not-present processing for e-commerce merchants, enabling secure online card and alternative payment acceptance via web integration.
POS (Point-of-Sale) Payments In-store card acceptance and POS acquiring solution for physical retail merchants, integrated with Lyra's payment institution processing.
Marketplace Payments Split-payment and fund-routing solution for marketplace platforms, enabling platforms to collect from buyers and disburse to multiple sellers/merchants while Lyra handles the underlying acquiring and compliance.
Mobile Payments Mobile in-app and mobile-web payment acceptance solution enabling merchants to accept payments via smartphone applications and mobile-optimized checkout flows.
International Payments Cross-border multi-currency payment acceptance and settlement service that allows merchants to accept payments in multiple currencies and settle into their preferred currency.
Recurring Payments Subscription and recurring billing service supporting tokenized repeat charges, installment plans, and ongoing billing for subscription-based merchants.

Quantifiable outcome

Flunch traiteur achieved +21% increase in visitors entering payment data after payment path optimization
+1 more outcomes

Companies that use Lyra Network

Customer profile

Named customers7 records

Segments7 records

Ideal customer profiles1 record

Lyra Network technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Integration36 records

AI capability3 records

Feature7 records

Lyra Network partnerships and signals

Strategic signal

Partnerships

Ten partnerships are on record, tiered core and minor.

Banque PopulairecoreTechnology or IntegrationMajor French banking partner using Lyra's technology platform and international infrastructure to offer competitive e-commerce services to customers.
Caisse d'ÉpargnecoreTechnology or IntegrationFrench savings bank relying on Lyra's technology platform and international infrastructure for e-commerce payment services.
Société GénéralecoreTechnology or IntegrationLeading French bank using Lyra's technology platform and international infrastructure for e-commerce services.
Crédit du NordcoreTechnology or IntegrationFrench banking group leveraging Lyra's technology platform and international infrastructure.
First Data (Fiserv)coreTechnology or IntegrationInternational acquirer connected to Lyra's platform, providing global payment processing capabilities.
ACPR (Banque de France)coreStrategic or Co-development PartnerRegulatory authority that approved Lyra as a payment institution in 2017, providing supervision and regulatory compliance framework.
MiraklcoreTechnology or IntegrationMarketplace platform partner with pre-built integration allowing easy onboarding of new sellers to marketplace.
OrigamicoreTechnology or IntegrationMarketplace platform partner with integration resources available for Lyra's marketplace payment solution.
Bancontact/MistercashminorChannel Partner/ Reseller/ DistributorBelgian payment method used for over 60% of online payments in Belgium, integrated into Lyra's international payment solution.
AlipayminorChannel Partner/ Reseller/ DistributorChinese payment method making up 35% of transactions in China, available for international payments through Lyra.

Scale indicators8 records

Recent moves2 records

Expansion highlights7 records

Lyra Network competitors and assessment

Company assessment

Market position

Strengths5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Lyra Network compliance and trust

Trust signal

Compliance7 records

Lyra Network financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Lyra Network leadership team

Management profile

Number of profiles

Profiles2 records

Lyra Network subsidiaries and ownership

Company hierarchy

Subsidiaries10 records

Lyra Network funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

Lyra Network M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about Lyra Network

What does Lyra Network do?

Is Lyra Network a public or private company?

Lyra Network is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Lyra Network founded?

Lyra Network was founded in 2001. It employs 251 to 500 people.

Where is Lyra Network based?

Lyra Network is headquartered in Midway, United States, in the North America region.

How does Lyra Network make money?

Three revenue lines are on record. Transaction Processing Fees are the primary driver. The others are marketplace Commission and technical and Professional Services.

Does Lyra Network have an API?

Yes. Lyra provides a modern REST API and JavaScript code for payment integration. The REST API allows developers to integrate payment fields directly into websites. Supports embedded payment forms, redirect payment forms, mobile SDK, and web services. Available for online payment, mobile SDK (iOS & Android compatible), and marketplace onboarding. Developer documentation is at docs.lyra.com/en/rest/V4.0/api.

What industry is Lyra Network in?

Lyra Network's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMACAB, Payment Orchestration Platforms (Multi-PSP Routing), with a secondary code of FSAMACAG, Marketplace & Platform Payments (Split Payments, Sub-merchants). Its NAICS code is 522320 and its SIC code is 7374.