Payment Components

Payments Infrastructure Softwarepaymentcomponents.com

Payment Components is a Greece-based fintech, founded in 2014, that develops AI-driven financial messaging and Open Banking software for banks and financial institutions across 25 countries, supporting SWIFT, ISO 20022, SEPA, and instant payment standards.

Company typePrivate
Founded2014
HeadquartersAthens, Greece
Headcount11–50
GTM typeB2B
OfferingSoftware

What Payment Components does

Payment Components is a Greece-based fintech company founded in 2014 and headquartered in Athens that developed AI-driven financial messaging and Open Banking software for banks and financial institutions. The company built a portfolio of three core product areas: a unified financial messaging platform supporting SWIFT MT, ISO 20022 CBPR+, SEPA, and instant payments message formats; an Open Banking solutions suite enabling account-to-account payments and API connectivity; and an API management platform providing REST API integration, message queues, and file-based connectivity to core banking systems. Its technology embeds AI capabilities for payment message anomaly detection, predictive analytics on transaction patterns, and fraud prevention within financial messaging operations.

The company served approximately 65 banks and financial institutions across 25 countries, with a horizontal segmentation strategy targeting the banking sector exclusively. Pricing was not publicly disclosed and the go-to-market was enterprise B2B sales to financial infrastructure buyers. The company operated with a small headcount in the 11-50 employee range as a privately held entity, with Sotiris Nossis serving as founder and CEO.

In November 2025, ACI Worldwide (NASDAQ: ACIW) acquired Payment Components and integrated its technology into ACI's cloud-native Connetic platform. The acquisition aimed to extend ACI's European payments technology footprint, accelerate cloud-native innovation, and enhance real-time payments, fraud prevention, and AI capabilities across ACI's broader bank customer base. The transaction was disclosed as 'not expected to be materially significant' to ACI Worldwide's financials. Financial terms of the acquisition were not publicly disclosed.

Payment Components firmographics

Firmographics

Name: Payment Components
Legal name: Payment Components
Website: https://paymentcomponents.com
Company type: Private
Founded year: 2014
Operating status: Acquired
Headcount range: 11–50 employees
Short description: Payment Components is a Greece-based fintech, founded in 2014, that develops AI-driven financial messaging and Open Banking software for banks and financial institutions across 25 countries, supporting SWIFT, ISO 20022, SEPA, and instant payment standards.
Ownership category
akta.pro rank

Payment Components industry classification

Industry

Product category: Payments Infrastructure Software
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)
SIC: Finance Services (6199)
akta.pro primary industry: Payment Orchestration Platforms (FSAGABAA)
akta.pro secondary industries: A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD), Payment Processing & Acquiring Infrastructure (FSAGABAC), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

Financial messaging software
Open banking solutions
Account-to-account payments
API management platform
ISO 20022 messaging

Where Payment Components is headquartered

Location

Headquarters

HQ city: Athens
HQ country: Greece
HQ region: Europe

Markets served

Payment Components business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Payment Components product offering

Product offering

Core offering

Payment Components develops mission-critical financial messaging software and Open Banking solutions for banks and financial institutions. Its portfolio enables unified processing of payment messages across SWIFT MT, ISO 20022, SEPA, and instant payment standards, alongside API management infrastructure for account-to-account payments and AI-driven analytics. Following its November 2025 acquisition by ACI Worldwide, the technology has been integrated into the ACI Connetic cloud-native payments platform.

Product overview

Payment Components operated as a Greek fintech company offering AI-powered financial messaging and Open Banking solutions, comprising three core product areas: Financial Messaging Solutions (handling SWIFT MT/ISO 20022 message translation and processing), Open Banking Solutions (enabling account-to-account payments and API connectivity), and API Management Platform. Following ACI Worldwide's acquisition in November 2025, Payment Components' technology portfolio was integrated into ACI's cloud-native Connetic platform to enhance real-time payments, fraud prevention, and AI capabilities. The combined offering serves 65 banks and financial institutions across 25 countries.

Differentiator

Problem solved

Functional benefit

Products and services

AI-Powered Financial Messaging Solutions

Companies that use Payment Components

Customer profile

Segments1 record

Ideal customer profiles1 record

Payment Components technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Payment Components partnerships and signals

Strategic signal

Partnerships

Two partnerships are on record, tiered core.

ACI WorldwidecoreTechnology or Integration · 3 November 2025ACI Worldwide acquired Payment Components to integrate its technology into ACI Connetic, enhancing real-time payments, fraud prevention, and AI capabilities. The acquisition aims to accelerate ACI's cloud-native payments platform with Payment Components' AI-driven and open banking solutions.
ACI WorldwidecoreTechnology or Integration · 1 November 2025ACI Worldwide expanded its European payments technology presence through the acquisition of Payment Components, specializing in AI-driven financial messaging and Open Banking solutions. The acquisition enhances ACI's flagship payments platform, Connetic, and accelerates cloud-native innovation.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Payment Components competitors and assessment

Company assessment

Broad incumbents

Temenos: Temenos provides core banking and payments software to banks globally. Its payments and open banking modules overlap with Payment Components' offerings as part of a comprehensive banking platform rather than a specialized messaging niche.
Murex: Murex provides capital markets, treasury, and payment messaging software to financial institutions. While its core focus is trading and risk, its MX.3 platform includes payment and messaging capabilities comparable to Payment Components' bank-facing infrastructure.
Finastra: Finastra is a large banking software incumbent offering core banking, lending, treasury, and payments/messaging suites. Its payments hub competes broadly with Payment Components' messaging and orchestration capabilities within a much wider portfolio.
ACI Worldwide: ACI Worldwide is the acquirer of Payment Components and a global leader in real-time payments, fraud management, and financial messaging (Connetic). Its payments orchestration and messaging products overlap directly with Payment Components' portfolio.
ION Group: ION Group provides mission-critical software including financial messaging (via Fidessa and proprietary stacks) and post-trade infrastructure to banks. Its payments and messaging capabilities overlap with Payment Components' bank-facing software portfolio.

Direct peers

Plaid: Plaid is a leading Open Banking and financial data connectivity platform, primarily US-focused but expanding in Europe. Its API infrastructure for account access and A2A flows is highly comparable to Payment Components' Open Banking capabilities.
Bottomline Technologies: Bottomline offers financial messaging, payment automation, and Open Banking / business payments solutions to banks and corporates — overlapping directly with Payment Components' financial messaging and A2A product areas.
TrueLayer: TrueLayer is a European Open Banking API platform enabling A2A payments, account information, and financial data connectivity for banks and merchants — directly comparable to Payment Components' Open Banking and A2A payment solutions.
Tink (Visa): Tink, owned by Visa, is a European Open Banking platform offering PSD2-compliant APIs for account aggregation, payments initiation, and financial data — competing directly with Payment Components' A2A and Open Banking offerings in the EU market.
Volante Technologies: Volante provides financial messaging and payment processing software to banks, with deep specialization in ISO 20022, SWIFT, and instant payments — directly comparable to Payment Components' core financial messaging and API management offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Payment Components financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Payment Components leadership team

Management profile

Number of profiles

Profiles1 record

Payment Components funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Payment Components M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Payment Components

What does Payment Components do?

Is Payment Components a public or private company?

Payment Components is a private company. It is classified as corporate owned and is currently acquired.

When was Payment Components founded?

Payment Components was founded in 2014. It employs 11 to 50 people.

Where is Payment Components based?

Payment Components is headquartered in Athens, Greece, in the Europe region.

Who are Payment Components's main competitors?

Broad incumbents on record are Temenos, Murex, Finastra, ACI Worldwide and ION Group. Direct peers are Plaid, Bottomline Technologies, TrueLayer, Tink (Visa) and Volante Technologies.

Does Payment Components have an API?

Yes. API management platform enabling account-to-account payments integration. Features API-first integration with REST APIs, message queues, and file-based connectivity to core banking systems. Supports SWIFT MT/MX coexistence and instant payments messaging.

What industry is Payment Components in?

Payment Components's product category is Payments Infrastructure Software. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms, with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions. Its NAICS code is 522320 and its SIC code is 6199.