COMO Digital Life
COMO Digital Life is a Luxembourg-regulated payment institution (CSSF license) providing multi-currency accounts, cross-border payments, FX, and embedded finance infrastructure to businesses in the EU, UK, EEA, and Switzerland via an API-first platform.
- Company typePrivate
- Founded2016
- HeadquartersKockelscheuer, Luxembourg
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What COMO Digital Life does
COMO Digital Life (legal entity COMO DL S.A.) is a Luxembourg-regulated payment institution that provides multi-currency account services, cross-border payment execution, FX, card services, and embedded finance infrastructure to businesses. Operating under CSSF license Z00000013 from its Kockelscheuer headquarters, the firm serves companies and sole traders in the EU, UK, EEA, and Switzerland, with payment reach advertised across more than 150 countries. Its product portfolio centers on COMO Pay (core payments infrastructure with a Luxembourg IBAN and 24+ parallel currency holdings), COMO World (partner-branded financial experiences), and Embedded Finance (white-label enablement), with COMO Pay PRO announced as a forthcoming premium tier.
The platform is built as an API-first, modular architecture without legacy banking systems, supporting SEPA and SWIFT routing, bulk payment processing with per-instruction visibility, ERP connectivity, and self-serve onboarding (72-hour application review). Revenue is generated through transaction-based fees (payment execution, FX conversion, card processing, acquiring) layered with recurring subscription and compliance/KYC fees. Distribution combines self-serve digital onboarding for SMBs with an enterprise sales motion for complex integrations and an OEM/embedded model for platform partners. The firm operates as a subsidiary of COMO Group S.A. and was reimagined into its current regulated-fintech form in 2023 following the 2020 acquisition of ONPEX.
COMO Digital Life firmographics
Firmographics- Name
- COMO Digital Life
- Legal name
- COMO DL S.A.
- Website
- https://como-dl.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- COMO Digital Life is a Luxembourg-regulated payment institution (CSSF license) providing multi-currency accounts, cross-border payments, FX, and embedded finance infrastructure to businesses in the EU, UK, EEA, and Switzerland via an API-first platform.
- Ownership category
- akta.pro rank
COMO Digital Life industry classification
Industry- Product category
- Cross-Border Payment Services
- NAICS
- Sales Financing (52222)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
- akta.pro secondary industries
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), BNPL Platform Infrastructure (APIs, Orchestration, Merchant Tools) (FSAKACAE)
Keywords
Where COMO Digital Life is headquartered
LocationHeadquarters
- HQ city
- Kockelscheuer
- HQ country
- Luxembourg
- HQ region
- Europe
Offices1 record
Markets served
COMO Digital Life business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Payment Services: Multi-currency account services with IBAN issuance, credit transfers, direct debits, and money remittance. Transaction-based fees for payment execution including SEPA and SWIFT transfers.
- FX Services: Foreign exchange services related to payment transactions for transactional purposes. FX conversion for payments with funds transferred to external FX provider during conversion (typically minutes or hours).
- Card Services: Payment card transaction processing and card issuing services with associated fees.
- Payment Acquisition: Acquiring payment transactions (processing card transactions for merchants) and money remittance services.
- Subscription/Package Fees: Service packages with different tiers. Onboarding due diligence and annual review fees, administrative fees for compliance and KYC obligations, and charges for complex transactions or enhanced due diligence.
- Embedded Finance Enablement: Partner-branded financial experiences enabling partners to offer payment solutions under their own brand while COMO provides full regulatory coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard service fees for payment account and transaction services |
| Subscription | Annual | KYC and compliance-related administrative fees |
| Subscription | Monthly | Embedded finance and COMO World partnership packages |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
COMO Digital Life product offering
Product offeringCore offering
COMO Digital Life operates a CSSF-regulated, API-first financial technology platform that provides multi-currency accounts (24+ currencies held in parallel), international payment processing via SEPA and SWIFT, transactional FX services, and embedded finance capabilities for businesses registered in the EU, UK, EEA, and Switzerland. The platform enables partner-branded financial experiences under COMO's regulatory umbrella and supports bulk payment operations such as payroll, supplier payments, and marketplace settlements across 150+ countries and territories.
Product overview
COMO Digital Life operates a unified financial technology platform combining two connected pillars: COMO Pay (core payment infrastructure providing account issuance, transaction processing, FX services, and compliance through flexible APIs) and COMO World (extending COMO Pay with on-demand financial services and partner-branded experiences). The platform supports embedded finance capabilities, enabling businesses to offer financial products directly within their own platforms. The architecture is modular and API-first, designed for seamless integration and scalability.
Differentiator
Problem solved
Functional benefit
Brands
- COMO Pay: Core payment infrastructure providing account issuance, transaction processing, and compliance services through flexible APIs.
- COMO World
Products and services
- COMO Pay Core payment infrastructure providing account issuance, transaction processing, FX services, and compliance through flexible APIs. Enables multi-currency accounts with Luxembourg IBAN for sending, spending, and converting money globally across 24+ currencies, targeted at companies and sole traders registered in the EU, UK, EEA, and Switzerland.
- COMO World On-demand financial services platform extending COMO Pay with partner-branded financial experiences. Enables partners to offer payment solutions under their own brand while relying on COMO for full regulatory coverage and global payment orchestration.
- Embedded Finance Financial services embedding solution allowing businesses to enable their customers to access financial products directly from their platform. Powers partner-branded financial experiences with full regulatory coverage provided by COMO's CSSF license.
Quantifiable outcome
- up to 60% cost reduction
- +3 more outcomes
Companies that use COMO Digital Life
Customer profileSegments3 records
Ideal customer profiles3 records
COMO Digital Life technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
COMO Digital Life partnerships and signals
Strategic signalScale indicators7 records
Recent moves7 records
Expansion highlights5 records
COMO Digital Life competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key highlights2 records
Customer concentration
COMO Digital Life social profiles
Digital presenceCOMO Digital Life compliance and trust
Trust signalCompliance3 records
COMO Digital Life financial estimates
Financial estimateRevenue estimate
Valuation estimate
COMO Digital Life leadership team
Management profileNumber of profiles
Profiles3 records
COMO Digital Life funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
COMO Digital Life M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about COMO Digital Life
What does COMO Digital Life do?
COMO Digital Life operates a CSSF-regulated, API-first financial technology platform that provides multi-currency accounts (24+ currencies held in parallel), international payment processing via SEPA and SWIFT, transactional FX services, and embedded finance capabilities for businesses registered in the EU, UK, EEA, and Switzerland. The platform enables partner-branded financial experiences under COMO's regulatory umbrella and supports bulk payment operations such as payroll, supplier payments, and marketplace settlements across 150+ countries and territories.
Is COMO Digital Life a public or private company?
COMO Digital Life is a private company. It is classified as corporate owned and is currently operating.
When was COMO Digital Life founded?
COMO Digital Life was founded in 2016. It employs 11 to 50 people.
Where is COMO Digital Life based?
COMO Digital Life is headquartered in Kockelscheuer, Luxembourg, in the Europe region.
How does COMO Digital Life make money?
Six revenue lines are on record. Payment Services are the primary driver. The others are FX Services, card Services, payment Acquisition, subscription/Package Fees and embedded Finance Enablement.
Does COMO Digital Life have an API?
Yes. COMO provides an API-driven digital transformation platform enabling developers to integrate financial services. The API supports customization to fit exact business needs, with lightweight compact formats for efficient coding and seamless integration. Security features include Multi-Factor Authentication (MFA) and security protocols to prevent unauthorized access. The API is designed to scale for large enterprise systems operating at high volumes. Developer documentation is at devhub.como-dl.com.
What industry is COMO Digital Life in?
COMO Digital Life's product category is Cross-Border Payment Services. Its primary akta.pro industry code is FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes), with a secondary code of FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing). Its NAICS code is 52222 and its SIC code is 6199.