GoCredible

What GoCredible does

GoCredible is an Amsterdam-headquartered, PSD2-licensed payment service provider founded in 2015, regulated by De Nederlandsche Bank (DNB) and DORA-compliant. The company is purpose-built for platforms with multiple parties and complex money flows, operating a unified payment infrastructure called the Smart Contracts Platform that combines automated multi-split payments, third-party funds management via Stichting Derdengelden GoCredible, wallet and segregated account functionality, an integrated KYC/KYB module, and physical payment terminal support through Ingenico devices and SoftPoS. The core technology stack runs on PSD2-compliant infrastructure with API-based integrations to acquiring partners Fiserv (PFAC) and Pay., the itsme digital identity layer for eIDAS-compliant onboarding, iDEAL with a planned migration to Wero (EPI's pan-European A2A wallet), and Ingenico terminals with managed RMA processes.

The company serves two primary verticals: European crowdfunding and alternative banking platforms requiring ECSP-licensed PSD2 infrastructure, KYC investor onboarding, and escrow/segregation of third-party funds; and festivals and events requiring high-throughput payment terminals, split vendor payouts, and cashless or token-based payments. GoCredible monetizes primarily via transaction fees on payment processing, supplemented by recurring subscription-style fees for KYC/KYB onboarding services and hardware margins on terminal sales. Pricing is quote-based and non-public; distribution is sales-led via direct enterprise engagement and embedded OEM partnerships (notably Pay Systems).

The company is founder/management-owned (co-founders Teun Lammers and Jeannot Bos) with no disclosed institutional funding beyond an early 2018 Rabo Frontier Ventures relationship, employs approximately 20 people across leadership, compliance, operations, and technology, and has 10 years of operating history. Key customers include WDL Kredietfondsen, Mogelijk, NLInvesteert, Kapitaal op Maat, KOM Group, Capitac, Pay Systems, Check and Charge, Event Engineers, and Dutchband. Recognition includes FD Gazelle 2025 and Deloitte Technology Fast 50 2025 nomination. In September 2025 the company achieved Payment Facilitator (PFAC) status through its Fiserv partnership, and in 2026 expanded into Belgium (Capitac) and committed to Wero integration.

Name

GoCredible

Legal name

GoCredible

Website

https://gocredible.nl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

GoCredible is an Amsterdam-based, PSD2-licensed payment service provider founded in 2015 that serves European platforms with complex multi-party payment flows. Its Smart Contracts Platform combines KYC, split payments, and third-party funds management for crowdfunding and event-sector clients.

Ownership category

akta.pro rank

Product category

Payment Infrastructure Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

• Payment service provider
• PSD2 licensed payments
• Crowdfunding payment infrastructure
• Event payment processing
• Third-party funds management

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Payment infrastructure services for platforms including payment collection, third-party funds management, split payments, and automated payout processing. Revenue generated from transaction processing fees for complex payment flows.
2. KYC/KYB Onboarding Services: Customer due diligence and onboarding module for platforms. Risk-based approach with different verification levels based on customer risk profiles.
3. Payment Terminal Services: Terminal provisioning and management including hardware sales and support services for event payments.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

GoCredible is a PSD2-licensed Payment Service Provider (regulated by De Nederlandsche Bank) offering payment infrastructure for European platforms with complex multi-party money flows. The company operates a Smart Contracts Platform that automates payment collection, third-party funds segregation, multi-split payouts, and KYC/KYB onboarding, primarily serving crowdfunding/alternative financing platforms and festival/event organizers across the Netherlands and Belgium.

Product overview

GoCredible operates as a PSD2-licensed Payment Service Provider offering a unified payments ecosystem built around its Smart Contracts Platform. The portfolio comprises the core Smart Contracts Platform for automated complex payment flows and third-party funds management via Stichting Derdengelden, supported by a KYC Module for customer onboarding and AML compliance, Split Payments for multi-party transactions, and physical Payment Terminals through Ingenico/Fiserv and Pay. acquiring networks. An Escrow Services module is offered for non-bank financing platforms. All components are designed for platforms in crowdfunding, alternative banking, and events sectors, providing end-to-end payment infrastructure from onboarding through settlement.

Differentiator

Problem solved

Functional benefit

Products and services

• Smart Contracts Platform GoCredible's core payment infrastructure platform for European platforms, enabling automated complex payment flows including multi-split payments, wallet management, and segregated third-party funds accounts. It provides full control over the customer journey, real-time payment tracking, and PSD2 compliance for platforms such as crowdfunding and event operators.
• Third-Party Funds Management (Derdengeldenbeheer) Management of third-party funds through Stichting Derdengelden GoCredible, ensuring complete segregation of assets. All payment traffic runs through the third-party funds account at GoCredible, providing the separation of assets required by regulators for platforms handling investor or customer money.
• KYC Module Know Your Customer (KYC) and Know Your Business (KYB) module for customer onboarding and anti-money laundering compliance. It includes identity verification, risk-based customer due diligence, continuous sanction screening, and transaction monitoring. Supports API integration, hosted flow, and hybrid implementation options for platforms needing compliant onboarding.
• Split Payments Payment processing capability that handles multi-split and complex payment flows, including exceptions. Supports automated collection, safeguarding, and payout across multiple parties within a single transaction, built for platforms that manage third-party funds such as crowdfunding and marketplace platforms.
• Payment Terminals (PIN/POS) Physical payment terminals (POS/PIN) supplied through partnerships with Ingenico and supported via the Fiserv and Pay. acquiring networks. Includes SoftPoS capability through Pay., offline PIN functionality, and a managed RMA process for terminal maintenance for event and festival operators.
• Escrow Services Professional escrow structures for platforms, including real functions separation. Developed for non-bank financing platforms such as WDL Kredietfondsen, enabling segregated management of temporary deposits, construction deposits, and interest deposits with full functional and operational separation.

Quantifiable outcome

• 50% of Dutch licensed crowdfunding platforms
• +1 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• FiservcoreTechnology or Integration · 19 September 2025GoCredible evolved from ISO (Independent Sales Organization) to MSP (Member Service Provider) to PFAC (Payment Facilitator) through partnership with Fiserv. Fiserv provides acquiring services with solid infrastructure and expertise, enabling GoCredible to grow while delivering flexible, high-quality payment solutions. As PFAC, GoCredible takes control of the entire process with one-stop onboarding and single point of contact.
• Pay.coreTechnology or Integration · 8 July 2025New acquiring partnership providing SoftPoS solutions and offline PIN capabilities. Pay. delivers technical infrastructure for cashless payments and offline PIN, while GoCredible handles positioning and marketing to end customers. Partnership aims to expand across Europe in national and international event markets.
• Pay Systems B.V.coreTechnology or IntegrationPay Systems provides complete payment solutions for events across Europe since the 1990s. GoCredible supports with KYC solution, split payments, and payment terminals. Partnership enables event transactions to run fast, safe, and smoothly with end-to-end integration.
• WDL KredietfondsencoreTechnology or IntegrationWDL is an intermediary in MKB and real estate financing. Partnership uses GoCredible's payment services and third-party funds account. Together they developed an escrow structure with true functional separation, enabling professional escrow for investors and project owners.
• MogelijkcoreTechnology or IntegrationMogelijk is a financing platform where private investors fund business mortgages. Partnership ensures extra security for investors in payment flows and compliance with DNB and AFM requirements under ECSP regulation.
• NLInvesteertcoreTechnology or IntegrationNLInvesteert is a crowdfunding platform that received ECSP license with GoCredible as their PSD2 payment service provider, handling payment processes and customer onboarding.
• Kapitaal op MaatcoreTechnology or IntegrationKapitaal op Maat is a crowdfunding platform that received ECSP license with GoCredible as their PSD2 payment service provider, handling payment processes and customer onboarding.
• Nederland Crowdfunding BrancheverenigingminorOthersGoCredible is an associate member of the Dutch Crowdfunding Industry Association, supporting crowdfunding in Netherlands.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• MangoPay: MangoPay is a European payment provider purpose-built for marketplaces, crowdfunding platforms and other multi-party flows. It is the closest direct competitor to GoCredible's Smart Contracts / split-payments model for crowdfunding and platform customers.
• Lemonway: Lemonway is a pan-European payment institution specialized in escrow and third-party funds management for crowdfunding and marketplace platforms. Highly comparable to GoCredible's Stichting Derdengelden and ECSP-aligned offerings.
• Treezor: Treezor is a French e-money institution offering Banking-as-a-Service and payment infrastructure for platforms and fintechs. Comparable to GoCredible as a regulated European PSP serving platform clients with complex flows.

Broad incumbents

• Adyen: Adyen is a large Dutch-headquartered global PSP serving platforms and marketplaces alongside large enterprise merchants. Comparable as a broader incumbent whose platform-payments offerings overlap with GoCredible's niche.
• Mollie: Mollie is a major Dutch PSP offering broad payment processing and platform integrations. Operates in the same Dutch fintech ecosystem as GoCredible but with a much wider, less specialized scope.
• Stripe: Stripe Connect provides multi-party payment flows for platforms and marketplaces globally. It is a broad incumbent whose platform-payments infrastructure is an alternative to GoCredible's split-payments and KYC stack for crowdfunding customers.
• Buckaroo: Buckaroo is a Dutch PSP offering online and in-store payment solutions including terminals. Operates in the same Dutch market as GoCredible with overlapping merchant services but a broader, less platform-specialized offering.
• Worldline: Worldline is a major European payment processor and acquirer (parent of Ingenico terminals) overlapping with GoCredible's acquiring and terminal businesses. Comparable as a broad incumbent rather than a niche competitor.
• SumUp: SumUp is a European fintech offering card acceptance, terminals and payment processing to merchants and small platforms. Comparable to GoCredible's terminal and event-payments business as a broader European incumbent.

Regional players

• Pay.nl: Pay.nl is a Dutch PSP focused on payment processing, terminals and checkout flows for SMEs and platforms. Comparable to GoCredible as a regional Dutch competitor in the same local PSP market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/gocredible
• Xx.com/gocredible
• Facebookfacebook.com/gocredible

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds1 record

Investors1 record

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 GoCredible