DeluPay

What DeluPay does

DeluPay is a Paris-based private fintech company operating a consumer mobile payments application that combines QR-code acceptance at local merchants, a gift-card marketplace, and a deferred-debit (Débit Différéré) feature with cashback rewards. The product architecture centers on a free iOS/Android app that links to the user's existing payment card without requiring a bank switch; at checkout, users either scan a QR code at partner proximity shops or generate an instant gift card QR for major retailers, earning cashback that averages above 4% across a stated network of 30,000+ French partner stores including Amazon, Carrefour, Auchan, Decathlon, Nike, and Apple. The merchant-facing DeluPay Professionnels portal extends acceptance to small shops, while the deferred-debit feature advances funds at point of sale with repayment collected later, supported by a flexible spending limit adapted to user income and habits.

The company monetizes exclusively through affiliate and transaction-share revenue from partner merchants, retaining a portion of the cashback it returns to users, and does not charge consumer subscription or usage fees. Distribution is product-led via self-serve download from the Apple App Store and Google Play, with top-of-funnel brand awareness driven by a portfolio of French sports sponsorships covering Olympique Lyonnais, Olympique de Marseille, Stade Toulousain, Paris FC, and the TOP 14 rugby league, structured as multi-product integrations into ticketing, payments, and fan loyalty rather than pure branding. Operating geography is currently confined to France, with data hosted domestically as a stated security differentiator.

Name

DeluPay

Legal name

DeluPay

Website

https://delupay.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

DeluPay is a Paris-based fintech offering a free French mobile payments app that combines QR-code acceptance at local shops, a major-retailer gift card marketplace, and a deferred-debit feature, monetizing via merchant affiliate share and targeting cashback-seeking individual consumers across 30,000+ partner stores.

Ownership category

akta.pro rank

Product category

Mobile Payments

NAICS

Consumer Lending (522291), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

QR Code Payments Wallets (FSAMAEAC)

akta.pro secondary industry

In-App / Online Checkout Wallets (FSAMAEAH)

Keywords

• Mobile payments
• Cashback rewards
• QR code payments
• Deferred payment
• Gift card marketplace

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Software

Revenue model

1. Cashback and Affiliate Revenue Share: DeluPay earns a share of the transaction value from partner merchants when users purchase gift cards or pay via QR code at partner stores. The company shares a portion of this revenue back with users as cashback, retaining the remainder as margin. Cashback rates vary by retailer (e.g., Amazon 1.2%, Carrefour 4.4%, Adidas 10.4%, Nike not disclosed). Average cashback rate >4%.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

DeluPay operates a mobile payment application that enables consumers to make QR code payments at local partner merchants and purchase gift cards at major retailers with built-in cashback rewards (average >4%) at over 30,000 partner stores. The platform also offers a deferred payment (Débit Différé) feature where users pay immediately with funds advanced by DeluPay, with collection occurring later. A separate merchant-facing solution (Professionnels) allows small retailers to accept QR code payments from DeluPay users.

Product overview

DeluPay is a unified mobile payment ecosystem consisting of a consumer app (Particuliers) and a business solution (Professionnels). The core platform combines QR code-based mobile payments at local partner businesses, a gift card marketplace with built-in cashback rewards, and a deferred payment feature. The product architecture centers on the main DeluPay app which enables users to pay via QR codes or purchase gift cards with cashback at 30,000+ retailers, with the Professionals version extending the platform to merchant acceptance. Key differentiators include no bank account change required and a spending limit system based on user income.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Users can accumulate 200–700€ per year in purchasing power through cashback
• +2 more outcomes

Segments2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• Olympique LyonnaiscoreStrategic or Co-development PartnerMajor French football club (Ligue 1). DeluPay is establishing a strategic partnership that goes beyond traditional branding to offer digital payment solutions, ticketing systems, and loyalty programs aimed at enhancing fan engagement and embedding fintech services into daily fan experiences.
• Olympique de MarseillecoreStrategic or Co-development PartnerMajor French football club (Ligue 1). Partnership extends beyond traditional branding to offer digital payment solutions, ticketing systems, and loyalty programs aimed at enhancing fan engagement within the club's supporter ecosystem.
• Stade ToulousaincoreStrategic or Co-development PartnerTop-tier French rugby union club (Top 14). DeluPay is establishing a partnership to embed fintech payment and loyalty services into the club's fan engagement ecosystem.
• Paris FCcoreStrategic or Co-development PartnerFrench football club competing in Ligue 1/Ligue 2. Partnership focused on digital payment solutions and fan loyalty programs to deepen engagement with the club's supporter base.
• TOP 14coreStrategic or Co-development PartnerFrance's top professional rugby union league. DeluPay is establishing partnerships with clubs within the league as part of a broader fintech-sports convergence strategy across French rugby.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Joko: French cashback and personal-finance app explicitly referenced by DeluPay as a competitor on cashback rate. Covers online and in-store cashback at major French and international retailers, with a similar mobile-first consumer proposition.
• Lydia: Leading French mobile payment and account app offering peer-to-peer transfers, in-store QR payments and merchant acceptance. Competes directly with DeluPay's QR wallet proposition and Professionnels merchant acceptance, although issued as a full payment account rather than a card-link wallet.
• Lyf Pay: French mobile payment wallet from the Carrefour / BNP / Crédit Mutuel consortium that supports QR and in-store payments and integrated loyalty at French retailers — a direct on-network competitor for DeluPay's QR-at-merchant use case and 30,000-store proposition.
• Stocard: Mobile wallet for loyalty cards and offers (now part of Klarna Bank). Closest direct competitor to DeluPay's instant-QR gift-card wallet proposition — aggregating retailer rewards and offers in a single consumer app, with similar online-merchant coverage.
• Swile: French payments and employee-benefits platform (meal vouchers, gift, mobility) that combines merchant acceptance with corporate distribution. Comparable on the merchant/consumer two-sided model and the professional merchant onboarding channel.
• Pumpkin: French BNPL / installment payment provider. Closest direct analogue to DeluPay's free 'Débit Différéré' deferred-payment feature, allowing direct comparison on product design, underwriting, and consumer-credit regulatory exposure in France.
• Alma: France-headquartered BNPL provider for online and in-store merchants. Competes with DeluPay on the deferred-payment layer and on the 'pay at QR/online-checkout' merchant experience, with similar small-merchant distribution.
• Split: Earlier-stage French mobile payment app focused on QR-code payments and merchant acceptance. A direct functional peer in the QR + cashback niche, useful for benchmarking user growth and merchant onboarding pace.

Emerging players

• BuyBox: Cashback and affiliate-tech provider operating across European markets. Comparable on the affiliate revenue-share economics that underpin DeluPay's cashback model, even if not a direct consumer app.

Broad incumbents

• Cashback Island / iGraal: Long-established European cashback and loyalty portals. Compete in the same online-shopping cashback category as DeluPay's gift-card feature, with broader European coverage and incumbency advantages.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/delupay
• LinkedInlinkedin.com/company/delupay

Revenue estimate

Valuation estimate

Number of profiles

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 DeluPay