Numia

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.

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

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

• Payment processing services
• Card issuing solutions
• Merchant acquiring services
• POS terminal solutions
• Digital payment infrastructure

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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).
2. 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.
3. Transaction Processing Volume: Numia processes approximately €100 billion in annual payment transactions, providing a high-volume transaction fee revenue base.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers6 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered flagship, core and minor.

• BCC POS S.p.A.flagshipStrategic or Co-development Partner · 28 February 2025Numia 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.
• QromocoreStrategic or Co-development Partner · 1 January 2025Numia 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 MilanoflagshipGTM or Marketing Partner · 17 September 2024Numia 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 FestivalminorGTM or Marketing Partner · 18 July 2024Numia 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.
• VisacoreTechnology or Integration · 1 January 2024Numia 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.
• ecolytiqcoreTechnology or Integration · 1 January 2024ecolytiq 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 PiemonteminorChannel Partner/ Reseller/ Distributor · 1 January 2024Numia 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.minorChannel Partner/ Reseller/ Distributor · 1 January 2024Numia provides POS acquiring and PagoPA payment services for Cassa di Risparmio di Asti, serving the bank's merchant and customer base.
• Solution Bank (Utylia)minorChannel Partner/ Reseller/ Distributor · 1 January 2024Numia provides Utylia prepaid card issuing services for Solution Bank customers, including the UtyliaTasca prepaid card.
• Banco BPMflagshipChannel Partner/ Reseller/ Distributor · 14 July 2023Banco 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 BancaflagshipChannel Partner/ Reseller/ Distributor · 14 July 2023Iccrea 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

Broad 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

• LinkedInlinkedin.com/company/numia-spa

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Numia