PayNoPain
PaynoPain is a Spanish fintech providing an omnichannel payment platform — virtual POS, physical POS, Tap to Pay, payment links, and subscriptions — to SMEs and verticals such as hotels, e-commerce, restaurants, marketplaces, and mobility, operating as a Bank of Spain-authorized payment service provider (license 6899) in Spain and Portugal.
- Company typePrivate
- Founded2011
- HeadquartersCastellón, Spain
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
PayNoPain firmographics
Firmographics- Name
- PayNoPain
- Legal name
- PAYNOPAIN FINANCIAL SERVICES SL
- Website
- https://paynopain.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- PaynoPain is a Spanish fintech providing an omnichannel payment platform — virtual POS, physical POS, Tap to Pay, payment links, and subscriptions — to SMEs and verticals such as hotels, e-commerce, restaurants, marketplaces, and mobility, operating as a Bank of Spain-authorized payment service provider (license 6899) in Spain and Portugal.
- Ownership category
- akta.pro rank
PayNoPain industry classification
Industry- Product category
- Payment Gateway Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
Keywords
Where PayNoPain is headquartered
LocationHeadquarters
- HQ city
- Castellón
- HQ country
- Spain
- HQ region
- Europe
Offices3 records
Markets served
PayNoPain business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Supply Chain
Revenue model
- Payment Processing: Transaction-based fees charged on payment processing through the platform. Customized pricing based on business type, transaction volume, and product/service. The company offers transparent, personalized quotes without hidden costs.
- Subscription Services: Recurring subscription fees for subscription payment management solutions for businesses with recurring billing needs.
- Physical POS Hardware: Sale or rental of physical payment terminals for in-person payments, including attended, unattended, and mobile POS devices.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Customized pricing for all business types |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
PayNoPain product offering
Product offeringCore offering
PayNoPain provides an omnichannel payment platform for businesses, integrating virtual POS (online) and physical POS (in-person) payments through a single API. The platform supports 50+ payment methods including cards, bank transfers, Bizum, Apple Pay, Google Pay, cryptocurrencies, and BNPL, along with Tap to Pay, payment links, subscription management, and split payments for marketplaces. It is operated by a Bank of Spain-authorized payment service provider (registration 6899) with PCI DSS and ISO 27001 certifications.
Product overview
PayNoPain is a Spanish fintech company providing a complete omnichannel payment platform that integrates virtual POS for online payments and physical POS for in-person payments. The platform offers a unified ecosystem of payment solutions including Tap to Pay (mobile POS), payment links, subscription management, and support for over 50 payment methods. The product portfolio includes core payment gateway products (TPV Virtual, TPV Físico, Tap to Pay, Payment Links, Subscriptions) alongside e-commerce platform integrations (Shopify, Prestashop, WooCommerce, Magento, Odoo plugins). PayNoPain operates as a Bank of Spain-authorized payment service provider (license 6899), serving businesses across e-commerce, hospitality, hotels, restaurants, marketplaces, collection agencies, and mobility/transportation sectors. The platform was acquired by Euronet Worldwide in 2026 to expand its merchant acquiring footprint in Spain and Portugal.
Differentiator
Problem solved
Functional benefit
Products and services
- TPV Virtual (Virtual POS)
Quantifiable outcome
- 15+ years of payment technology experience since 2011
- +1 more outcomes
Companies that use PayNoPain
Customer profileNamed customers5 records
Segments7 records
Ideal customer profiles7 records
PayNoPain technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature11 records
PayNoPain partnerships and signals
Strategic signalScale indicators6 records
Recent moves7 records
Expansion highlights5 records
PayNoPain competitors and assessment
Company assessmentDirect peers
- Redsys: Spain's dominant domestic payment processor, jointly owned by major Spanish banks. Directly comparable to PaynoPain as a payment service provider for Spanish merchants, with strong local-method coverage and Bank of Spain oversight. PaynoPain positions itself as an alternative to Redsys for SMEs seeking more flexible, modern integrations.
- Mollie: European payment service provider focused on SMBs and e-commerce, with broad multi-method coverage and strong presence in the Benelux and DACH regions. Highly comparable as a regional European PSP competing for the same SME merchant segment with similar developer-first go-to-market.
- SumUp: European-headquartered SMB payments provider offering card readers, POS, and online payment gateway. Directly comparable to PaynoPain on the physical POS, Tap to Pay, and SMB-focused omnichannel proposition across European markets.
- myPOS: European SMB-focused payment service provider offering POS terminals, online payment gateway, and business accounts. Closely comparable in target customer (SMBs), product set (POS + online), and European geographic focus.
Broad incumbents
- Stripe: Global payment gateway and processing platform serving businesses of all sizes. Competes with PaynoPain in the e-commerce and developer-first payment gateway space, though Stripe's SMB presence in Spain/Portugal and POS capabilities are less developed than PaynoPain's omnichannel offering.
- Adyen: Global omnichannel payments platform providing unified online, in-store, and platform payment solutions for large enterprises. Adyen's single-API omnichannel architecture is the closest large-competitor analog to PaynoPain's value proposition, though Adyen targets larger merchants.
- Square (Block): Provides integrated POS hardware, payment processing, and online checkout for SMBs, with a unified omnichannel platform. Highly comparable to PaynoPain on the SMB POS and online payments combination, with stronger brand awareness in English-speaking markets.
- Worldline: One of Europe's largest payment service providers, offering acquiring, merchant services, and omnichannel solutions. A broad incumbent competing in the same European acquiring space PaynoPain occupies, particularly relevant given PaynoPain's pending acquisition by Euronet (a Worldline competitor).
- Nexi: Major European payment technology company providing acquiring, processing, and omnichannel solutions across multiple European markets. Comparable as a regional omnichannel PSP with a focus on integrated commerce solutions for merchants.
Regional players
- ONEY (Banco Sabadell subsidiary / now part of Natixis/Worldline ecosystem): Provides payment solutions including BNPL, credit, and online payment processing primarily in Spain and France. Comparable to PaynoPain's Spanish market focus, BNPL offering, and SME merchant segment, though ONEY is more focused on consumer credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
PayNoPain social profiles
Digital presencePayNoPain compliance and trust
Trust signalCompliance3 records
PayNoPain financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayNoPain leadership team
Management profileNumber of profiles
Profiles3 records
PayNoPain funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayNoPain 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 PayNoPain
What does PayNoPain do?
PayNoPain provides an omnichannel payment platform for businesses, integrating virtual POS (online) and physical POS (in-person) payments through a single API. The platform supports 50+ payment methods including cards, bank transfers, Bizum, Apple Pay, Google Pay, cryptocurrencies, and BNPL, along with Tap to Pay, payment links, subscription management, and split payments for marketplaces. It is operated by a Bank of Spain-authorized payment service provider (registration 6899) with PCI DSS and ISO 27001 certifications.
Is PayNoPain a public or private company?
PayNoPain is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PayNoPain founded?
PayNoPain was founded in 2011. It employs 11 to 50 people.
Where is PayNoPain based?
PayNoPain is headquartered in Castellón, Spain, in the Europe region.
How does PayNoPain make money?
Three revenue lines are on record. Payment Processing is the primary driver. The others are subscription Services and physical POS Hardware.
Who are PayNoPain's main competitors?
Direct peers on record are Redsys, Mollie, SumUp and myPOS. Broad incumbents are Stripe, Adyen, Square (Block), Worldline and Nexi. ONEY (Banco Sabadell subsidiary / now part of Natixis/Worldline ecosystem) is listed as a regional player.
Does PayNoPain have an API?
Yes. PayNoPain offers an API-based integration for their payment gateway. The platform provides a single API that enables merchants to offer multiple payment methods. Documentation available at docs.paylands.com. The WooCommerce plugin configuration references credential-based access to the PayNoPain control panel via the plugin. Developer documentation is at docs.paylands.com/docs.
What industry is PayNoPain in?
PayNoPain's product category is Payment Gateway Services. Its primary akta.pro industry code is CRAFALAL, POS-to-Online Unified Payments (Omnichannel Payments), with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 52232 and its SIC code is 6199.