Pay.nl

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.

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

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

• Payment processing platform
• Online payment gateway
• POS payment solutions
• Merchant payment services
• Multi-currency payments

Headquarters

HQ city

Spijkenisse

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. Payment Terminal Hardware: Sale, lease, or rental of payment terminals (card machines) for in-store payments

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers1 record

Segments10 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration34 records

Feature8 records

Partnerships

14 partnerships are on record, tiered core.

• LightspeedcoreTechnology or IntegrationOfficial plugin integration for Lightspeed e-commerce and POS platform
• ShopifycoreTechnology or IntegrationOfficial plugin integration for Shopify e-commerce platform enabling merchants to accept Pay.nl payments
• WooCommercecoreTechnology or IntegrationOfficial plugin integration for WooCommerce WordPress e-commerce platform
• Magento2coreTechnology or IntegrationOfficial plugin integration for Magento 2 e-commerce platform
• PrestashopcoreTechnology or IntegrationOfficial plugin integration for Prestashop e-commerce platform
• Shopware6coreTechnology or IntegrationOfficial plugin integration for Shopware 6 e-commerce platform
• iDEAL / CurrencecoreTechnology or IntegrationDutch payment method integration with iDEAL system, including transition to Wero (European alternative)
• BancontactcoreTechnology or IntegrationBelgian payment method integration via Bancontact, now also available via Tap to Pay on iPhone and Android SoftPOS
• MastercardcoreTechnology or IntegrationCredit and debit card processing via Mastercard network
• VisacoreTechnology or IntegrationCredit and debit card processing via Visa network
• KlarnacoreTechnology or IntegrationBuy Now Pay Later integration offering installment and pay later payment options
• PayPalcoreTechnology or IntegrationPayPal wallet-based payment processing integration
• Apple PaycoreTechnology or IntegrationMobile wallet payment integration via Apple Pay including Tap to Pay on iPhone capability
• Google PaycoreTechnology or IntegrationMobile wallet payment integration via Google Pay

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct 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

• GitHubgithub.com/paynl
• Xx.com/pay_nl
• Facebookfacebook.com/onlinebetalen

Compliance4 records

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 Pay.nl