What Nepting does

Nepting is a Montpellier, France-based payment technology company founded in 2012 by Martine Aubry, Jean-Paul Dalmas, Jean-François Cotte, and Frederic Renault. It operates a cloud-based, terminal-agnostic, and acquirer-agnostic payment acceptance platform that enables merchants, banks, payment service providers (PSPs), fintechs, acquirers, and distributors to process transactions across in-store, mobile, transport, and digital channels from a single integrated stack. The platform supports the full hardware spectrum — Linux and Android payment terminals, SoftPOS/Tap to Phone on consumer smartphones, mPOS, and unattended pay stations — and is differentiated by its centralized real-time acceptance technology, central card token management, and a no-lock-in positioning that lets merchants freely route transactions to their preferred acquirer.

Nepting's product portfolio is anchored by its Omnichannel Payment Acceptance Platform and includes specialized modules such as SoftPOS/Tap to Phone (with GIE Carte Bancaire approval in FRV6.2 since end-2022), Android and mobile terminal solutions, in-store Linux/Android terminals, unattended pay stations, transportation payment solutions (functioning even at 300 km/h and with weak connectivity, via the Alcinéo partnership), and FRV6-compliant digital/online payments supporting CB, Visa, Mastercard, Amex, JCB, DFS, UPI, and CONECS schemes. The platform is certified PCI P2PE V3.1, DORA-compliant, and hosts data in France — features the company explicitly positions as competitive advantages in regulated European markets.

Nepting generates revenue on a transaction-based model tied to payment volume processed, which reached €70 billion across 2 billion transactions in 2025, producing €23 million in revenue with 35% year-over-year growth in recurring revenue. The company operates a sales-led B2B go-to-market combining direct enterprise sales with channel distribution through terminal manufacturers (SUNMI, Ingenico, Pax), payment distributors (AVEM, Planet Monetic, Smile&Pay, Yavin), acquirers, and the SUNMI Store app marketplace. It is present in France, Belgium, Hungary, and Morocco, with an explicit ambition to become a European leader in omnichannel payments acceptance by 2030. In June 2026, Five Arrows (the alternative assets arm of Rothschild & Co) invested in Nepting alongside the four co-founders and historical investor IRDI/SORIDEC, with the investment certified under France's Tibi Initiative Phase II.

Name

Nepting

Legal name

NEPTING SAS

Website

https://nepting.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

251–500 employees

Short description

Nepting is a French cloud-based payment acceptance platform founded in 2012, serving 350,000+ merchants, banks, PSPs, fintechs, and acquirers with terminal-agnostic, acquirer-agnostic omnichannel payment technology including SoftPOS, transit, in-store, and digital solutions across France, Belgium, Hungary, and Morocco.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Depository Credit Intermediation (5221)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Payment Orchestration, Routing & Smart Transaction Management (Crypto) (FSADAIAJ), Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC)

Keywords

• Omnichannel payment platform
• SoftPOS tap to phone
• Payment acceptance technology
• Terminal agnostic payments
• Cloud payment infrastructure

Headquarters

HQ city

Montpellier

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Transaction Processing: Nepting processes payment transactions on behalf of merchants across its platform, serving 350,000+ merchants with 2 billion transactions in 2025 representing €70 billion in payment volume. Revenue is generated through transaction-based fees tied to payment volume processed.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Nepting operates a cloud-based, open, and agile centralized payment acceptance platform that enables merchants, banks, PSPs, fintechs, acquirers, and distributors to manage payment transactions across in-store, mobile, digital, and transport channels. The platform is terminal-agnostic and acquirer-agnostic, supporting SoftPOS/Tap on Phone on Android devices, traditional Linux terminals, Android terminals from Ingenico/Pax/SUNMI, mPOS, and unattended pay stations, with central card token management that allows merchants to freely choose their acquirer and payment scheme partners.

Product overview

Nepting offers a cloud-based omnichannel payment acceptance platform designed for merchants, distributors, payment institutions, banks, Payment Service Providers, fintechs, and acquirers. The platform provides centralized, real-time payment acceptance technology across multiple channels: in-store (traditional and Android terminals, unattended pay stations), on-the-move (mobile devices, SoftPOS/Tap on Phone on smartphones), and digital (online payments with loyalty management). The core platform is complemented by specialized solutions including FRV6-compliant internet payments, transit-focused SoftPOS (via Alcinéo partnership), and QR code/wallet payment acceptance. The technology is agnostic to terminals, payment methods, and acquirers, enabling merchant freedom of choice.

Differentiator

Problem solved

Functional benefit

Products and services

• Nepting Omnichannel Payment Acceptance Platform Cloud-based centralized payment acceptance platform enabling merchants, banks, PSPs, fintechs, and acquirers to process transactions across multiple channels (in-store, online, mobile, transport) and route flows to acquirers. Terminal-agnostic and acquirer-agnostic architecture.
• SoftPOS / Tap on Phone Software-based payment acceptance technology enabling any Android smartphone or tablet to function as a secure payment terminal for contactless and PIN-based card acceptance. Supports mobility scenarios including deliveries, pop-up stores, fare collection, and reduced checkout wait times.
• FRV6 Internet Payment Solution Internet payment solution compliant with Frenchsys FRV6 specifications, supporting CB, Visa, Mastercard, Amex, JCB, DFS, UPI, and CONECS payment schemes for frictionless online transactions. Removal of contactless payment limits enables transactions on any terminal.
• Transit SoftPOS SoftPOS technology adapted for public transport fare collection and inspection through the Alcinéo partnership, supporting open-loop transit payments with Nepting's certified acceptance platform. Designed to operate even with weak connectivity at high speeds.

Quantifiable outcome

• €70 billion in payment volume processed annually across 350,000+ merchants in 2025
• +3 more outcomes

Named customers14 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered major, minor and core.

• FiservmajorGTM or Marketing Partner · 1 August 2025Nepting co-presented at an Exhibitor Big Ideas conference at NRF Europe 2025 alongside Fiserv and TotalEnergies, focused on innovation in customer journeys and seamless payment experiences across Europe.
• TotalEnergiesmajorGTM or Marketing Partner · 1 August 2025TotalEnergies participated alongside Nepting and Fiserv in an NRF Europe 2025 conference, sharing insights from its experience with payment innovation and performance across its European retail network.
• AVEMminorGTM or Marketing Partner · 1 August 2025Nepting co-organized a themed breakfast at NRF Europe 2025 with AVEM and Zebra Technologies on 'From payment terminals to smart PDAs: reinventing checkout and optimizing field team efficiency,' including live demos of SoftPOS, POS, and online payment solutions.
• Zebra TechnologiesminorGTM or Marketing Partner · 1 August 2025Nepting co-organized a themed breakfast at NRF Europe 2025 with Zebra Technologies and AVEM on checkout and field team efficiency, with live product demonstrations.
• AlcinéomajorTechnology or Integration · 3 June 2025Nepting and Alcinéo partnered to deploy SoftPOS technology for urban public transport. Alcinéo's SoftPOS SDK embeds transit-specific features while Nepting provides a scalable, certified payment acceptance platform for open-loop transit payments. Live demos were showcased at UITP Summit 2025 in Hamburg. The solution supports fare collection on-the-go and fare inspection for transport operators.
• SUNMIcoreTechnology or Integration · 16 April 2024Nepting extended its existing partnership with SUNMI to include non-payment SUNMI devices (PDAs, tablets, cash registers) beyond SUNMI's dedicated payment products. Nepting's SoftPOS application is now available on the SUNMI Store for devices including L2s Pro, L2H, V2s, V2s Plus, V3 Mix, and M2 Max. PCI-certified and non-PCI-certified SUNMI devices are both supported, enabling a broader merchant ecosystem to access SoftPOS payments.
• GIE Carte Bancaire (CB)coreTechnology or IntegrationNepting holds FRV6 certification from GIE Carte Bancaire, making it a CB-certified payment acceptance platform for the French payment scheme. Nepting also obtained approval for its SOFTPOS solution by CB (GIE) in FRV6.2 at the end of 2022. Nepting actively participates in CB Summit events and aligns its architecture with CB certification standards.
• Terminal Manufacturers (Ingenico, Pax, Sunmi)majorTechnology or IntegrationNepting's platform is compatible with Android terminals from Ingenico, Pax, and Sunmi, as well as traditional Linux terminals, making it terminal-agnostic and supporting a broad hardware ecosystem for merchants.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Worldline: Europe's largest payment processor and acquirer, headquartered in France. Directly competes with Nepting across in-store, online, and mobile acceptance, with overlapping bank/acquirer go-to-market and customer base in France and across Europe.
• Verifone: Global provider of payment terminals and integrated payment-acceptance software for merchants, banks, and acquirers. Overlaps with Nepting's terminal-agnostic acceptance platform and omnichannel merchant propositions, particularly for retail and transport.
• Adyen: Omnichannel payment platform serving large merchants with unified in-store, online, and mobile acceptance. Competes directly with Nepting for enterprise merchants and acquirer-grade centralization, albeit at substantially larger scale.
• SumUp: European-focused mobile and SoftPOS payment acceptance provider serving SMBs and mid-market merchants. Direct overlap with Nepting's SoftPOS / Tap to Phone proposition, with comparable cross-border European ambitions.

Emerging players

• myPOS: European payment solutions provider offering mobile POS terminals and SoftPOS to SMBs. Smaller-scale overlap with Nepting's Android and SoftPOS offering, with a more SMB-tilted go-to-market.

Broad incumbents

• Ingenico (Worldline): Payment terminal manufacturer and full-stack acceptance provider, now part of Worldline. Competes with Nepting on terminal hardware (Linux/Android) and acceptance software, with significantly larger scale and a globally distributed merchant base.
• PAX Global Technology: Global Android payment terminal manufacturer with growing software and value-added services. Terminal-agnostic competition for Nepting on Android devices and merchant acceptance software at the bank/acquirer distribution layer.
• Fiserv: Large US-headquartered payment processor and merchant-acquirer with European footprint. Both a co-marketing partner of Nepting (NRF Europe 2025) and a competitor for enterprise merchants and acquirer relationships.
• Stripe: Global online and increasingly in-person payment platform. Overlaps with Nepting's omnichannel acceptance ambitions, especially for digitally native merchants expanding into physical retail, with far broader geographic reach.

Others

• SUNMI: Android smart terminal manufacturer and ecosystem platform (SUNMI Store). Distribution and channel partner for Nepting's SoftPOS application across PDAs, tablets, and cash registers, rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nepting

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors2 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 Nepting