Numia
Numia is an Italian payment services company providing card issuing and POS acquiring infrastructure exclusively through partner banks. Serving the BCC cooperative network, Banco BPM, and regional Italian banks, it manages approximately 8 million cards and 380,000 POS terminals, processing around €100 billion in annual transactions across Italy.
- Company typePrivate
- Founded2024
- HeadquartersRome, Italy
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Numia does
Numia (formerly BCC Pay S.p.A., rebranded May 2024) is an Italian payment services company that operates as a full-stack monetics platform covering both card issuing and payment acquiring. It is registered in the Albo degli Istituti di Moneta Elettronica (Art. 114-quater TUB, ABI code 36964) and is subject to Bank of Italy supervision. The platform issues debit, credit, and prepaid cards and manages physical POS terminals, SmartPOS, and Soft POS / Pay by App acceptance (Tap to Pay on Android and iOS), plus ATM management, ecommerce payment acceptance, fraud management, and digital wallet integration (Apple Pay, Google Pay). Co-branded differentiated card products include CartaBCC, CartaBCC Green (rPVC and biodegradable PLA), and Banco BPM cards, with accessibility features such as Blind Notch and sustainability features including a Carbon Footprint Calculator (delivered via Visa and ecolytiq integrations).
Numia's business model is B2B2C and exclusively channel-driven: payment services are distributed through partner banks, principally the BCC cooperative banking network under Gruppo Bancario Iccrea and Banco BPM, alongside regional partners (Banca del Piemonte, Cassa di Risparmio di Asti, Solution Bank / Utylia, Banco Azzoaglio). Numia earns revenue primarily through transaction fees across issuing (per-card, interchange, value-added services such as loyalty, insurance, and airport services) and acquiring (merchant service charges, interchange, terminal-related fees) on approximately €100 billion in annual transaction volume across ~8 million cards and ~380,000 POS terminals. Pricing is bilateral and not publicly disclosed, communicated via regulatory "Fogli Informativi" disclosures rather than a published rate card.
The company is wholly owned by Numia Group SpA, whose shareholders are FSI — Fondo Strategico Italiano (42.86%), Iccrea Banca (28.57%), and Banco BPM (28.57%), giving Numia deeply entrenched access to Italy's cooperative banking network and one of the country's leading commercial banks. Operations are headquartered in Rome (Via Casilina 3) with legal headquarters in Milan (Via Solferino 36) and additional offices in Pescara and Bagno a Ripoli (Florence). The leadership team is led by CEO and General Manager Fabio Pugini, with Nicola Cordone (former SIA CEO) appointed Chairman in October 2025. Numia has recently executed two acquisitions — BCC POS S.p.A. (February 2025) and a majority stake in Qromo (2025) — to consolidate POS acquiring and digital merchant solutions within the Italian BCC ecosystem.
Numia firmographics
Firmographics- Name
- Numia
- Legal name
- Numia S.p.A.
- Website
- https://numia.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Numia is an Italian payment services company providing card issuing and POS acquiring infrastructure exclusively through partner banks. Serving the BCC cooperative network, Banco BPM, and regional Italian banks, it manages approximately 8 million cards and 380,000 POS terminals, processing around €100 billion in annual transactions across Italy.
- Ownership category
- akta.pro rank
Numia industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)
Keywords
Where Numia is headquartered
LocationHeadquarters
- HQ city
- Rome
- HQ country
- Italy
- HQ region
- Europe
Offices4 records
Markets served
Numia business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Card Issuing Services: Numia issues payment cards (debit, credit, prepaid) for partner banks, earning fees per card and per transaction. Cards are co-branded with partner brands such as CartaBCC (BCC/Iccrea) and Numia/Banco BPM. Revenue is generated through a combination of per-card fees, transaction interchange, and value-added services (insurance, loyalty programs, airport services).
- Payment Acquiring (POS): Numia provides POS terminals (physical, SmartPOS, Soft POS) to merchants through partner banks. Revenue is earned on each transaction processed through the terminal network (~380,000 POS). Fees include merchant service charges and interchange.
- Transaction Processing Volume: Numia processes approximately €100 billion in annual payment transactions, providing a high-volume transaction fee revenue base.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Banking partner pricing — card and POS services for partner institutions |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Numia product offering
Product offeringCore offering
Numia is an Italian payment services company that provides end-to-end digital payments infrastructure, including card issuing (debit, credit, prepaid) and merchant payment acquiring (physical POS, SmartPOS, Soft POS) to partner banks. The company processes approximately €100 billion in annual transactions across ~8 million cards and ~380,000 POS terminals, serving Italian banks including Banco BPM and the BCC cooperative banking network under Gruppo Bancario Iccrea. Its offering spans co-branded card products, merchant payment acceptance, ATM management, ecommerce payment solutions, and value-added services such as digital wallet integration (Apple Pay, Google Pay) and Carbon Footprint Calculator.
Product overview
Numia is an Italian payment services company offering a comprehensive digital payments ecosystem. The core portfolio consists of two main divisions: Issuing (card issuance) and Acquiring (payment acceptance). Under issuing, Numia provides debit, credit, and prepaid cards through branded sub-products including CartaBCC (for Iccrea BCC network), CartaBCC Green (eco-friendly card), and Banco BPM co-branded cards. The acquiring side offers physical POS terminals, SmartPOS, and Soft POS solutions (including Pay by App with Tap to Pay on iPhone) for merchants. Additional services include ATM management, ecommerce payment solutions, and value-added features such as Carbon Footprint Calculator for sustainability tracking, and Blind Notch for accessibility. The company serves approximately 8 million cards and 380,000 POS terminals across Italy.
Differentiator
Problem solved
Functional benefit
Products and services
- Numia POS Mobile POS application enabling merchants to accept electronic payments, manage POS terminals, and monitor transactions. Distributed through Numia's partner banks including Banco BPM and the BCC cooperative banking network.
- Soft POS Software-based point-of-sale solution that enables merchants to accept contactless payments using a smartphone (Android, and iPhone via Pay by App) without dedicated hardware.
- SmartPOS Advanced smart POS terminal supporting multiple payment methods and merchant applications including fiscal compliance (cash register linkage), loyalty programs, and digital catalogues.
- CartaBCC Payment Cards (Debit, Credit, Prepaid) Complete range of payment cards (debit, credit, prepaid) issued through the Banche di Credito Cooperativo (BCC) network under Gruppo Bancario Iccrea, including consumer and business variants with value-added services.
- CartaBCC Green Eco-friendly debit card made from PLA (polylactic acid), a biodegradable and compostable material, as well as a recycled PVC (rPVC) variant, incorporating environmental sustainability features including an integrated Carbon Footprint Calculator.
- CartaBCC POS / PosBCC Acquiring services offering for BCC network merchants, providing end-to-end payment acceptance including POS terminal management and transaction processing under the CartaBCC POS brand.
- ATM Management Full operational management service for ATM networks, handling all operational aspects of automated teller machines on behalf of partner banks.
- Ecommerce Payment Solutions Digital payment acceptance services for online merchants, supporting various electronic payment methods for internet transactions including e-commerce payment processing.
- myPosBCC App Merchant portal application for BCC network merchants enabling self-service management of POS terminals, transaction viewing, and business management features.
Quantifiable outcome
- ~8 million payment cards managed
- +2 more outcomes
Companies that use Numia
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles1 record
Numia technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature5 records
Numia partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered flagship, core and minor.
- BCC POS S.p.A.flagshipNumia completed the acquisition of 100% of BCC POS S.p.A. from Gruppo Bancario Iccrea in February 2025. This consolidation strengthened Numia's position in the POS acquiring market within the BCC cooperative banking network.
- QromocoreNumia acquired the majority stake in Qromo to strengthen its digital solutions offering for merchants (esercenti), expanding its portfolio of value-added services for POS terminals.
- Vero Volley MilanoflagshipNumia is the Title Sponsor of Vero Volley Milano's women's volleyball team for the 2024-2027 triennium. The partnership was announced in September 2024 and includes prominent brand visibility in the Italian volleyball scene, including Serie A1. The team also competes internationally, winning the Women's World Club Championship in 2025, further amplifying the Numia brand.
- Arena di Verona Opera FestivalminorNumia was an Official Sponsor of the 102nd edition of the Arena di Verona Opera Festival in 2025, a prestigious cultural sponsorship aimed at enhancing brand visibility in the Italian premium cultural segment.
- VisacoreNumia partnered with Visa and ecolytiq to launch the Carbon Footprint service, providing cardholders with carbon footprint estimates based on their spending. This collaboration integrates Visa's payment network infrastructure with Numia's card issuing platform and ecolytiq's environmental analytics technology.
- ecolytiqcoreecolytiq provides the environmental sustainability analytics technology powering the Carbon Footprint Calculator integrated into Numia's card products, in partnership with Visa and Numia.
- Banca del PiemonteminorNumia entered into an acquiring partnership with Banca del Piemonte to provide POS payment acceptance services to the bank's merchant customers.
- Cassa di Risparmio di Asti S.p.A.minorNumia provides POS acquiring and PagoPA payment services for Cassa di Risparmio di Asti, serving the bank's merchant and customer base.
- Solution Bank (Utylia)minorNumia provides Utylia prepaid card issuing services for Solution Bank customers, including the UtyliaTasca prepaid card.
- Banco BPMflagshipBanco BPM is a 28.57% shareholder in Numia and one of its two principal bank partners. Numia provides issuing and acquiring services under co-branded products for Banco BPM's retail and business customers. The partnership was formalized through a strategic agreement between Banco BPM, Iccrea Banca, and FSI.
- Iccrea BancaflagshipIccrea Banca holds 28.57% of Numia and represents the network of Banche di Credito Cooperativo (BCC). Numia serves the entire BCC cooperative banking network, providing issuing and acquiring services under the CartaBCC brand.
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
Numia competitors and assessment
Company assessmentBroad incumbents
- Worldline: European payment processor with a strong merchant services business across multiple geographies. Comparable to Numia as a large-scale acquirer serving banks and merchants, though broader in scope and geography.
- Adyen: Global unified payments platform offering acquiring, processing, and issuing services. Comparable to Numia's end-to-end stack but at global enterprise scale, competing for the same large merchants and platforms.
- Stripe: Global online payment processor and fintech infrastructure provider. Comparable in offering end-to-end payment APIs and acquiring services, particularly relevant to Numia's ecommerce and Soft POS ambitions.
- SIA: Italian payment infrastructure and processing firm (now part of Nexi Group). Highly comparable to Numia's issuing and acquiring infrastructure layer, and the alma mater of Numia's Chairman Nicola Cordone.
Emerging players
- Satispay: Italian mobile payment network and merchant acquiring alternative. Comparable as a domestic Italian payments innovator competing for both consumer wallet share and merchant acquiring volume.
Direct peers
- SumUp: European payment service provider specializing in POS terminals and merchant acquiring for SMBs. Directly comparable to Numia's Numia POS / Soft POS acquiring offering for small Italian merchants.
- Nexi: Italy's largest payment services group following its merger with Nets and acquisition of SIA. Nexi directly competes with Numia in card issuing and merchant acquiring for Italian bank partners, making it the closest comparable.
Regional players
- PagoPA: Italian public-sector digital payments platform. Comparable to Numia's PagoPA payment services offered through partner banks (e.g., Cassa di Risparmio di Asti), competing in the same Italian ecosystem for institutional payment flows.
Others
- Visa: Global card network and Numia's technology partner for the Carbon Footprint Calculator. Comparable as part of Numia's payment-ecosystem stack; not a direct competitor but a critical enabler of Numia's issuing business.
- Iccrea Banca: Parent and shareholder (28.57%) of Numia and the holding entity for the BCC cooperative banking network. Numia's largest distribution partner; comparable as a counterparty and ecosystem participant rather than direct competitor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Numia social profiles
Digital presenceNumia compliance and trust
Trust signalCompliance3 records
Numia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Numia leadership team
Management profileNumber of profiles
Profiles3 records
Numia subsidiaries and ownership
Company hierarchySubsidiaries2 records
Numia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Numia 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 Numia
What does Numia do?
Numia is an Italian payment services company that provides end-to-end digital payments infrastructure, including card issuing (debit, credit, prepaid) and merchant payment acquiring (physical POS, SmartPOS, Soft POS) to partner banks. The company processes approximately €100 billion in annual transactions across ~8 million cards and ~380,000 POS terminals, serving Italian banks including Banco BPM and the BCC cooperative banking network under Gruppo Bancario Iccrea. Its offering spans co-branded card products, merchant payment acceptance, ATM management, ecommerce payment solutions, and value-added services such as digital wallet integration (Apple Pay, Google Pay) and Carbon Footprint Calculator.
Is Numia a public or private company?
Numia is a private company. It is classified as corporate owned and is currently operating.
When was Numia founded?
Numia was founded in 2024. It employs 101 to 250 people.
Where is Numia based?
Numia is headquartered in Rome, Italy, in the Europe region.
How does Numia make money?
Three revenue lines are on record. Card Issuing Services are the primary driver. The others are payment Acquiring (POS) and transaction Processing Volume.
Who are Numia's main competitors?
Broad incumbents on record are Worldline, Adyen, Stripe and SIA. Satispay is listed as an emerging player. Direct peers are SumUp and Nexi. PagoPA is listed as a regional player. Others are Visa and Iccrea Banca.
Does Numia have an API?
Yes. Numia provides a PSD2 dedicated interface for Third Party Providers (TPPs) through the CBI Globe – Global Open Banking Ecosystem platform. This enables authorized TPPs to access home banking services for account information and transaction execution. The interface is available in production from June 1, 2019, with documentation, sandbox environment, and test environment accessible via gotoapi.com. Developer documentation is at www.gotoapi.com.
What industry is Numia in?
Numia's product category is Payment Processing Services. Its primary akta.pro industry code is THALAHAB, Card Issuing & Virtual Cards (lodge cards, single-use, tokenization), with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 522210 and its SIC code is 6199.