Pay.nl
Pay.nl is a Dutch payment service provider operating an all-in-one platform that processes online and in-store payments through 50+ methods for 15,000+ merchants across retail, hospitality, government, and SMB verticals in Europe.
- Company typePrivate
- Founded2014
- HeadquartersSpijkenisse, Netherlands
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Pay.nl does
Pay.nl (legal entity 'Pay.') is a Dutch payment service provider founded in 2014 and headquartered in Spijkenisse, Netherlands. The company operates an all-in-one payment platform that consolidates 50+ payment methods — including regional European schemes (iDEAL, Bancontact, Blik, Bancomat), global card networks (Visa, Mastercard, Amex), mobile wallets (Apple Pay, Google Pay, PayPal, Alipay+), BNPL providers (Klarna, in3, Riverty, Billink, FLOA), and gift cards — into a single integration supporting both online and in-store transactions.
The platform is built on a multi-core Transaction Gateway Unit (TGU) for transaction processing across multiple routes and schemes, complemented by a Global Management System (GMS) for merchant administration. Distribution is API-first with REST APIs (versions 1.0 through 4.0), SDKs published on GitHub, and 45+ ready-made plugins for major e-commerce platforms (WooCommerce, Shopify, Magento2, Lightspeed, Prestashop, Shopware6). An ISO partner program, white-label arrangements, and a 90+ integration partner network extend reach into mid-market and enterprise segments. In-store acceptance is supported through PAY.POS terminals, mobile card machines, unattended terminals, SoftPOS, and Tap to Pay on iPhone.
Pay.nl generates revenue primarily through transaction processing fees on a 'no cure no pay' basis with no contract duration requirement, supplemented by hardware sales, leasing, and rental of payment terminals. The company serves 15,000+ merchants across verticals including online retail, physical stores, hospitality and events, theaters and museums, schools, cinemas, sports facilities, donations, mobility, and government. It maintains PCI DSS Level 1 certification annually since 2014, holds PSD2 compliance, and operates as a licensed payment institution under Dutch Financial Supervision Act (Wft). Pay.nl is privately held and bootstrapped, with no disclosed external funding rounds.
Pay.nl firmographics
Firmographics- Name
- Pay.nl
- Legal name
- Pay.
- Website
- https://pay.nl
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Pay.nl is a Dutch payment service provider operating an all-in-one platform that processes online and in-store payments through 50+ methods for 15,000+ merchants across retail, hospitality, government, and SMB verticals in Europe.
- Ownership category
- akta.pro rank
Pay.nl industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Services-Computer Integrated Systems Design (7373), Services-Computer Programming Services (7371), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Payment Gateways & Orchestration (BPAMAFAA)
Keywords
Where Pay.nl is headquartered
LocationHeadquarters
- HQ city
- Spijkenisse
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Pay.nl business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Transaction Processing Fees: Pay.nl charges merchants transaction fees for processing payments. The pricing is transaction-based with no contract duration required ('No cure no pay'). Merchants receive payments within 15 minutes of transaction completion.
- Payment Terminal Hardware: Sale, lease, or rental of payment terminals (card machines) for in-store payments
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing with no contract duration |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Pay.nl product offering
Product offeringCore offering
Pay.nl operates an all-in-one payment platform that consolidates 50+ online and in-store payment methods (iDEAL, Bancontact, Visa, Mastercard, Klarna, gift cards, regional methods) into a single integration, dashboard, and settlement process. The offering is delivered via REST APIs, SDKs, and 45+ ready-to-use plugins for e-commerce platforms such as WooCommerce, Shopify, and Magento2, complemented by in-person acceptance solutions including SoftPOS, Tap to Pay on iPhone, and physical POS terminals. The platform serves 15,000+ merchants with PCI DSS Level 1 certified infrastructure, 99.0% uptime, and onboarding completed within 15 minutes under a no-contract, transaction-based pricing model.
Product overview
Pay.nl is an all-in-one payment platform offering a unified ecosystem of payment solutions for online and in-store commerce. The core Pay. Platform serves as the central hub, processing 50+ payment methods including regional options (iDEAL, Bancontact, Blik), card networks (Visa, Mastercard, Amex), and Buy Now Pay Later solutions (Klarna, in3, FLOA). This platform integrates with add-on modules including SoftPOS (smartphone-based card acceptance), Tap to Pay on iPhone (contactless payments), PAY.POS (physical terminal solutions), Paylink (no-code payment links via email/SMS/QR), PAY.Parts (installment payments), and Gift Cards (50+ partner network). The platform is complemented by a Merchant Admin Panel for transaction management and Pay.docs developer portal for API and plugin documentation. With 90+ integration partners and 45+ plugins for major e-commerce platforms, Pay.nl serves 15,000+ merchants across various industries including retail, hospitality, events, government, and sports.
Differentiator
Problem solved
Functional benefit
Products and services
- Pay. Platform All-in-one payment platform that processes online and in-store payments through 50+ payment methods, consolidating all transactions into a single central dashboard with real-time reporting and insights. Targeted at merchants requiring a unified omnichannel payment infrastructure.
- SoftPOS Mobile payment acceptance solution that enables merchants to accept card payments using their smartphone without purchasing additional hardware, with setup within 5 minutes. For SMB and mobile merchants.
- Tap to Pay on iPhone Contactless payment acceptance feature allowing merchants to accept payments using only an iPhone, supporting card brands including Visa and Bancontact without physical terminals.
- PAY.POS In-person payment terminal solution for physical stores, supporting POS-connected devices, mobile card machines, and unattended payment terminals for self-service, order kiosks, and vending machines.
- PAY.Parts Payment solution enabling installment payments and payment splitting functionality for merchants.
- Paylink Payment link solution enabling no-code payments via email, SMS, or QR code for merchants without a full e-commerce integration.
- Gift Cards & Vouchers Digital and physical gift card program offering access to 50 gift cards from Pay.nl's partner network for merchant customer loyalty programs.
Quantifiable outcome
- 15,000+ merchants use the platform
- +4 more outcomes
Companies that use Pay.nl
Customer profileNamed customers1 record
Segments10 records
Ideal customer profiles3 records
Pay.nl technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration34 records
Feature8 records
Pay.nl partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core.
- LightspeedcoreOfficial plugin integration for Lightspeed e-commerce and POS platform
- ShopifycoreOfficial plugin integration for Shopify e-commerce platform enabling merchants to accept Pay.nl payments
- WooCommercecoreOfficial plugin integration for WooCommerce WordPress e-commerce platform
- Magento2coreOfficial plugin integration for Magento 2 e-commerce platform
- PrestashopcoreOfficial plugin integration for Prestashop e-commerce platform
- Shopware6coreOfficial plugin integration for Shopware 6 e-commerce platform
- iDEAL / CurrencecoreDutch payment method integration with iDEAL system, including transition to Wero (European alternative)
- BancontactcoreBelgian payment method integration via Bancontact, now also available via Tap to Pay on iPhone and Android SoftPOS
- MastercardcoreCredit and debit card processing via Mastercard network
- VisacoreCredit and debit card processing via Visa network
- KlarnacoreBuy Now Pay Later integration offering installment and pay later payment options
- PayPalcorePayPal wallet-based payment processing integration
- Apple PaycoreMobile wallet payment integration via Apple Pay including Tap to Pay on iPhone capability
- Google PaycoreMobile wallet payment integration via Google Pay
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
Pay.nl competitors and assessment
Company assessmentDirect peers
- Mollie: Amsterdam-based payment service provider offering a multi-method gateway for SMBs and online retailers across Europe. Closest direct competitor to Pay.nl: same Dutch home market, comparable merchant SMB focus, similar payment-method breadth, and overlapping integrations with e-commerce platforms.
- MultiSafepay: Amsterdam-headquartered PSP offering online and in-store payment processing with broad European method coverage including iDEAL, Bancontact and BNPL. Directly comparable to Pay.nl in target market (Benelux SMB/mid-market), product scope (gateway + POS), and go-to-market through plugins and integrations.
- Buckaroo: Dutch payment service provider focused on online checkout, recurring billing, and marketplace/enterprise solutions in the Benelux region. Direct competitor to Pay.nl in the Dutch market with similar multi-method gateway, e-commerce plugins and SMB/mid-market positioning.
- SumUp: European fintech offering card readers, Tap to Pay on smartphone, and online checkout for SMBs across multiple countries. Direct peer to Pay.nl in the in-store/POS segment (SoftPOS, Tap to Pay), SMB targeting, and European multi-country expansion playbook.
Broad incumbents
- Adyen: Amsterdam-headquartered global payments platform offering unified online, in-store and platform payments for enterprise merchants. Comparable in omnichannel architecture, API-first delivery and broad method coverage, but operates at much larger scale (enterprise/upmarket) and serves as a broader incumbent against Pay.nl's SMB focus.
- Stripe: Global API-first payments platform offering online card processing, dozens of payment methods, and developer tooling. Comparable in API-first GTM, multi-method aggregation, and developer ecosystem, but vastly larger scale and broader geographic reach; competes for the same online SMB/mid-market developer audience as Pay.nl.
- Worldline: European payments incumbent providing merchant acquiring, gateway processing, terminals and digital payment services across the continent. Comparable in omnichannel coverage and payment-method breadth, but operates at bank/enterprise scale and competes with Pay.nl primarily for larger merchants moving into omnichannel.
Regional players
- CCV: Dutch/Benelux provider of payment terminals, cash register systems and integrated POS software. Overlaps with Pay.nl's in-store hardware business (PAY.POS, terminal sales) and POS partner integrations (e.g. CCV SalesPOS), but more focused on hardware/POS than gateway aggregation.
Emerging players
- Klarna: European BNPL provider integrated into Pay.nl's payment-method portfolio. Relevant as an adjacent/partner capability layer expanding Pay.nl's checkout conversion toolkit, and as a competing end-to-end checkout provider in the same merchant pipeline.
- myPOS: European all-in-one payment solution combining POS terminals, online gateway and merchant accounts for SMBs. Comparable SMB target audience, omnichannel offering (online + in-store), and European multi-country footprint, but lighter on developer/API-first distribution than Pay.nl.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pay.nl social profiles
Digital presencePay.nl compliance and trust
Trust signalCompliance4 records
Pay.nl financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pay.nl leadership team
Management profileNumber of profiles
Profiles2 records
Pay.nl funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pay.nl M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pay.nl
What does Pay.nl do?
Pay.nl operates an all-in-one payment platform that consolidates 50+ online and in-store payment methods (iDEAL, Bancontact, Visa, Mastercard, Klarna, gift cards, regional methods) into a single integration, dashboard, and settlement process. The offering is delivered via REST APIs, SDKs, and 45+ ready-to-use plugins for e-commerce platforms such as WooCommerce, Shopify, and Magento2, complemented by in-person acceptance solutions including SoftPOS, Tap to Pay on iPhone, and physical POS terminals. The platform serves 15,000+ merchants with PCI DSS Level 1 certified infrastructure, 99.0% uptime, and onboarding completed within 15 minutes under a no-contract, transaction-based pricing model.
Is Pay.nl a public or private company?
Pay.nl is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pay.nl founded?
Pay.nl was founded in 2014. It employs 101 to 250 people.
Where is Pay.nl based?
Pay.nl is headquartered in Spijkenisse, Netherlands, in the Europe region.
How does Pay.nl make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are payment Terminal Hardware.
Who are Pay.nl's main competitors?
Direct peers on record are Mollie, MultiSafepay, Buckaroo and SumUp. Broad incumbents are Adyen, Stripe and Worldline. CCV is listed as a regional player. Emerging players are Klarna and myPOS.
Does Pay.nl have an API?
Yes. Pay.nl offers a REST API with multiple versions (v1.0, v1.2, v2.0, v3.0, v4.0) for processing payments, managing transactions, and integrating payment methods. The API supports payment processing flows including gateway redirect, payment-based checkout (fastCheckout), card input components, embedded payments, in-person payments, gift cards, authorize and capture, direct debit, recurring payments, split payments, and payouts. Developers can access APIs for merchant management, service/sales location configuration, payment method management, transaction operations (cancel, refund, capture/void, approve/decline), statistics, clearing management, and partner integrations. Authentication uses AT-code and token. APIs are documented at developer.pay.nl with additional knowledge base at docs.pay.nl. Sandbox mode available for testing. Developer documentation is at developer.pay.nl/docs.
What industry is Pay.nl in?
Pay.nl's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAMABAA, Integrated Payment Processors (PSP/Acquirer). Its NAICS code is 522320 and its SIC code is 7373.