Tropipay
TropiPay is a Barcelona-based European fintech providing API-first international B2B payment infrastructure, multi-currency accounts, and EUR-to-USDC/USDT digital dollar conversion. It serves marketplaces, fintechs, SaaS platforms, and international corporations across 130+ countries under PSD2 and PCI DSS Level 1 compliance.
- Company typePrivate
- Founded2019
- HeadquartersBarcelona, Spain
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Tropipay does
TropiPay is a Barcelona-based European fintech, operated by NUCLEO TECHNOLOGY INVESTMENTS SL and founded in 2019, that delivers an API-first payment infrastructure for cross-border B2B transactions. The platform combines international payment processing across 130+ countries with multi-currency accounts (EUR, GBP, USDC, USDT), card acquiring, and a EUR-to-digital dollar (USDC/USDT) on/off-ramp. Underlying technology consists of a REST API secured with AES-256 encryption and OAuth2, an automated KYC/AML compliance layer, real-time anti-fraud monitoring, and pre-built plugins for WooCommerce, PrestaShop, Drupal, and Odoo V16, with an SDK for Node.js and a sandbox environment at doc.tropipay.com.
The company operates under European regulatory credentials that include PSD2, AML (Spanish Law 10/2010), GDPR, and PCI DSS Level 1 certification, and is registered as an Authorized Agent (No. ES10718-01) of a Payment Entity on record with the Bank of Spain under code 6845. The product set covers International Payments, Multi-currency Accounts, Payment Solutions (Acquiring), an API & Integration Platform, Digital Dollars (USDC/USDT) Ramp On/Off, Internal Transfers, and use-case modules for international marketplaces, global suppliers, e-commerce/distributors, AML/KYC, and Payment Links. A Personal Euro Account serves individual users with instant payments, digital dollar reception, and configurable payment links.
TropiPay's revenue model is primarily transaction-based: per-transaction fees on international transfers and API integrations (with volume discounts), FX conversion margins on multi-currency operations including the EUR↔USDC/USDT corridor, and merchant acquiring spreads on card acceptance. Pricing is quote-based and not publicly disclosed, with no fixed monthly API fees and subscription-style tier structures for verified business accounts. Go-to-market combines enterprise field sales (Talk to a specialist), self-serve web signup for business and personal accounts, API-first developer distribution, and a plugin ecosystem. Named customers in the source data concentrate in international food and commodities trading (Grupo Dimanka, Inversiones Pucara, Gramalla, B2B Conex) alongside one European digital marketplace with 800+ sellers. Reported customer outcomes include a 12% reduction in FX costs and settlement time compression from up to 5 business days to near real-time for the marketplace case study.
Tropipay firmographics
Firmographics- Name
- Tropipay
- Legal name
- NUCLEO TECHNOLOGY INVESTMENTS SL
- Website
- https://tropipay.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- TropiPay is a Barcelona-based European fintech providing API-first international B2B payment infrastructure, multi-currency accounts, and EUR-to-USDC/USDT digital dollar conversion. It serves marketplaces, fintechs, SaaS platforms, and international corporations across 130+ countries under PSD2 and PCI DSS Level 1 compliance.
- Ownership category
- akta.pro rank
Tropipay industry classification
Industry- Product category
- Cross-border B2B Payments
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI), Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD)
Keywords
Where Tropipay is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Tropipay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Others
Revenue model
- International Transfer Fees: Fees charged for international bank transfers in multiple currencies. Rates are competitive and transparent with no hidden costs. Volume discounts available for higher transaction volumes.
- API Transaction Processing: Pay-per-transaction model for API integrations with no fixed monthly fees. Volume discounts apply for higher processing volumes.
- FX Conversion Margins: Revenue generated from currency exchange spreads on multi-currency operations and digital dollar conversions (EUR ↔ USDC/USDT).
- Payment Acquiring: Revenue from card payment processing and payment acceptance solutions for merchants, including alternative payment methods.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | API Transaction-Based Pricing |
| Transaction based/ take rate | Pay-as-you-go | International Transfer Fees |
| Subscription | Monthly | Business Account Tiers |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels6 records
Tropipay product offering
Product offeringCore offering
Tropipay is a European fintech that provides international B2B payments, multi-currency accounts (EUR, GBP, USDC, USDT), payment acquiring, and a EUR ↔ USDC/USDT digital dollar conversion service, delivered through an API-first platform with pre-built plugins for WooCommerce, PrestaShop, Drupal, and Odoo. All services operate under PSD2, AML, GDPR, and PCI DSS Level 1 compliance as an authorized agent of a Bank of Spain-registered Payment Entity, serving businesses across 130+ countries.
Product overview
TropiPay is a European fintech offering a unified platform for international B2B payments, multi-currency account management, and digital asset services. The core platform consists of International Payments, Multi-currency Accounts, Payment Solutions (Acquiring), and API & Integration Platform. Supporting modules include Digital Dollars (USDC/USDT) for fiat-crypto conversion, Internal Transfers, International Marketplaces Solution, Global Suppliers Solution, E-commerce Integration, AML/KYC Compliance, and Payment Links. The Personal Euro Account serves individual users with instant payments and digital dollar reception. All services operate under PSD2, AML, GDPR, and PCI DSS compliance with API-first architecture.
Differentiator
Problem solved
Functional benefit
Products and services
- International Payments B2B international payment solution enabling businesses to send and receive transfers in 130+ countries with multi-currency support, complete traceability, and competitive FX rates under PSD2 compliance.
- Multi-currency Accounts Business account enabling management of multiple currencies including EUR, GBP, USD, and digital dollars (USDC, USDT) from a single platform with real-time visibility of balances and operations.
- Payment Solutions (Acquiring) Card payment acceptance solution allowing businesses to securely accept card payments with high approval rates, supporting multiple international payment methods.
- API and Integration Platform API-first infrastructure enabling automation of payments, collections, and treasury management through REST API with sandbox environment, pre-built plugins (WooCommerce, PrestaShop, Drupal, Odoo V16), and ERP/CRM integrations, secured with AES-256 encryption and OAuth2 authentication.
- Digital Dollars (USDC/USDT) Digital dollar solution enabling conversion between EUR and USDC/USDT stablecoins with instant conversion, European PSD2 compliance, and real-time anti-fraud protection for international payments.
- Personal Euro Account Individual user account for sending, receiving, and managing money with instant payments between TropiPay users, digital dollar reception, expense management, and payment links.
Quantifiable outcome
- 12% reduction in FX costs for European marketplace with 800+ sellers
- +3 more outcomes
Companies that use Tropipay
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles4 records
Tropipay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability1 record
Feature8 records
Tropipay partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- WooCommercecoreE-commerce plugin integration allowing online merchants to accept secure card payments and alternative payment methods. Plugin is free, updated, and ready to use for quick integration.
- PrestaShopcoreE-commerce plugin integration for PrestaShop platforms enabling secure payment acceptance with high approval rates.
- DrupalcoreIntegration plugin for Drupal-based websites to accept international payments and multiple currencies.
- Odoo V16coreIntegration with Odoo V16 ERP system enabling synchronized payment processing and financial management.
- Node.jscoreOfficial Node.js SDK and integration resources for developers building payment solutions with TropiPay API.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
Tropipay competitors and assessment
Company assessmentBroad incumbents
- Revolut Business: Revolut offers multi-currency business accounts, international transfers, and corporate cards across Europe. It is a much larger, broader incumbent competing for the same European SMB and corporate cross-border payment wallet share as TropiPay.
- Adyen: Adyen provides unified global payment processing for large enterprises, with multi-currency settlement and acquiring. TropiPay's acquiring and multi-currency treasury capabilities overlap with Adyen's enterprise platform, though Adyen serves larger merchants.
- Stripe: Stripe is a global payment infrastructure provider serving platforms, marketplaces, and SaaS companies. TropiPay's API-first acquiring and marketplace positioning compete with Stripe Connect and Stripe Treasury for cross-border platform payment flows.
Direct peers
- BitPay: BitPay provides crypto payment processing and stablecoin-based B2B settlement solutions. It is comparable to TropiPay's digital dollar (USDC/USDT) ramp-on/off and crypto-accepting merchant services.
- Wise: Wise is a leading cross-border B2B and consumer payments platform offering multi-currency accounts and transparent FX. It competes directly with TropiPay for SMBs and marketplaces sending and receiving international payments in multiple currencies.
- Currencycloud: Currencycloud (a Visa-owned company) provides cross-border payment APIs and multi-currency infrastructure for fintechs and platforms. It is a direct competitor to TropiPay's API-first cross-border B2B and treasury proposition.
- Payoneer: Payoneer provides cross-border B2B payments, multi-currency accounts, and marketplace payouts, with strong traction among SMBs and global sellers. It is one of the closest direct competitors to TropiPay's marketplace and cross-border use cases.
- MANGOPAY: MANGOPAY provides payment infrastructure specifically for marketplaces and platforms, including multi-currency wallets, KYC, and payouts. Its European regulatory footprint and marketplace focus align closely with TropiPay's International Marketplaces Solution.
Emerging players
- Banking Circle: Banking Circle provides European-licensed payment and banking infrastructure for fintechs and corporates, including multi-currency accounts and cross-border transfers. It is comparable to TropiPay as a regulated European payment-rail alternative for B2B flows.
- Circle: Circle is the issuer of USDC and provides enterprise-grade stablecoin payment and treasury APIs. While not a direct head-to-head competitor, Circle represents the most credible alternative stablecoin rail that could partner with or compete against TropiPay's ramp-on/off product.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Tropipay social profiles
Digital presenceTropipay compliance and trust
Trust signalCompliance4 records
Tropipay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tropipay leadership team
Management profileNumber of profiles
Tropipay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tropipay 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 Tropipay
What does Tropipay do?
Tropipay is a European fintech that provides international B2B payments, multi-currency accounts (EUR, GBP, USDC, USDT), payment acquiring, and a EUR ↔ USDC/USDT digital dollar conversion service, delivered through an API-first platform with pre-built plugins for WooCommerce, PrestaShop, Drupal, and Odoo. All services operate under PSD2, AML, GDPR, and PCI DSS Level 1 compliance as an authorized agent of a Bank of Spain-registered Payment Entity, serving businesses across 130+ countries.
Is Tropipay a public or private company?
Tropipay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Tropipay founded?
Tropipay was founded in 2019. It employs 1 to 10 people.
Where is Tropipay based?
Tropipay is headquartered in Barcelona, Spain, in the Europe region.
How does Tropipay make money?
Four revenue lines are on record. International Transfer Fees are the primary driver. The others are API Transaction Processing, FX Conversion Margins and payment Acquiring.
Who are Tropipay's main competitors?
Broad incumbents on record are Revolut Business, Adyen and Stripe. Direct peers are BitPay, Wise, Currencycloud, Payoneer and MANGOPAY. Emerging players are Banking Circle and Circle.
Does Tropipay have an API?
Yes. REST API for automating international payments, multi-currency collections, treasury management, and payment processing. Supports multiple payment methods including cards, transfers, and alternative payment methods. Offers complete testing environment (sandbox), real-time payment processing, subscription/recurring payment automation, and multi-currency operations. Secured with AES-256 encryption and OAuth2 authentication. Developer documentation is at doc.tropipay.com.
What industry is Tropipay in?
Tropipay's product category is Cross-border B2B Payments. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAGACAI, Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation). Its NAICS code is 522320 and its SIC code is 6199.