CashSentinel

What CashSentinel does

CashSentinel SA is a Swiss fintech company founded in 2012 and headquartered in Lausanne, with wholly-owned subsidiaries in France (Paris) and Spain (Barcelona). The company operates the MyPortal platform, a white-label digital contracting and payment orchestration system that combines online document validation, e-signature, escrow account management, payment acquiring, fund splitting, and KYC/KYB compliance into a unified workflow. The platform is delivered through REST APIs and white-label deployment, enabling partners to integrate the capabilities under their own brand without IT development costs. Vertical-specific solutions include MyPortal Auto for digital vehicle sales (handling multi-party payouts involving dealers, leasing companies such as CGI Finance/Société Générale, and buyers) and MyPortal Reno for milestone-based renovation project payments. A general Marketplace Solutions product supports merchant onboarding, fund distribution, and BNPL integration for clients such as Manor and ZRMB.

The company serves automotive dealers and marketplaces, renovation and construction professionals, financial institutions, online marketplaces across retail/pharmaceutical/food/events verticals, and transaction intermediaries. It holds regulatory registrations as a Financial Intermediary with SRO PolyReg in Switzerland and as a Payment Service Provider Agent with ACPR in France (under OKALI, a Credit Agricole subsidiary), with documented PSD2 and GDPR compliance. Banking and acquiring infrastructure is provided through Swissquote Bank and BNP Paribas, and the company partners with Worldline on the WL Marketplace Payments distribution solution, as well as with Budget Insight for Open Banking payment initiation.

CashSentinel monetizes through transaction and payment processing fees on hundreds of millions of EUR in annual payment flows, marketplace commissions on merchant settlement activity, and platform/subscription fees for the MyPortal solutions. Pricing is quote-based, tailored to enterprise clients, and typically structured as multi-year contracts. Go-to-market is sales-led, combining direct enterprise engagement, white-label partner distribution, and a developer/API channel. The company reports >2x year-on-year growth in payment flow volume and serves approximately 1,000 vehicles per month on MyPortal Auto with sustained double-digit monthly growth. The company is privately held, founder-controlled (CEO Sylvain Bertolus), and operates with a lean team of 11-50 employees.

Name

CashSentinel

Legal name

CashSentinel SA

Website

https://cashsentinel.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

CashSentinel is a Swiss fintech that operates the MyPortal white-label platform for digital contracting, escrow-based payment orchestration, and multi-party fund splitting, serving automotive marketplaces, renovation projects, and online retailers across Europe with regulatory coverage in Switzerland and France.

Ownership category

akta.pro rank

Product category

Marketplace Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Payment Gateways & Orchestration (BPAMAFAA), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

Keywords

• Escrow payment services
• Marketplace payment platform
• Digital contracting solutions
• Payment orchestration software
• Multi-party fund splitting

Headquarters

HQ city

Lausanne

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction & Payment Processing Fees: CashSentinel earns fees on payment flows processed through its platform. The company handles hundreds of millions of euros of payment flows annually with >2x year-on-year growth, charging transaction-based fees on escrow, payment processing, and fund distribution services.
2. Marketplace Commission: For marketplace solutions, CashSentinel provides payment services including merchant onboarding, acquirer inflow reception, escrowing, and merchant settlement, earning commissions on transactions processed through the marketplace ecosystem.
3. Platform/Subscription Fees: MyPortal solutions (Auto, Reno, Marketplace, Custom) are offered as platform services, likely with recurring fees for access to digital contracting, payment processing, and escrow functionality.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

CashSentinel provides MyPortal, a white-label digital contracting and payment orchestration platform that combines digital contracts with e-signature, escrow account management, KYC/KYB compliance, multi-party payment splitting, and payout distribution for B2B clients. The platform is offered via verticalized solutions (MyPortal Auto for vehicle sales, MyPortal Reno for renovation projects) and customizable marketplace and white-label configurations, with REST APIs for technical integration.

Product overview

CashSentinel offers MyPortal, a unified platform for digital contracting and payment management with modular vertical solutions. The core MyPortal platform provides white-label digital buying journeys with digital contracts, e-signature, payment acquiring (cards, bank transfers, various payment options), escrow accounts, fund splitting, and payout orchestration. Vertical-specific offerings include MyPortal Auto for vehicle transactions and MyPortal Reno for renovation project management. The platform serves B2B clients including marketplaces, automotive dealers, and professional networks through both marketplace solutions and custom white-label configurations.

Differentiator

Problem solved

Functional benefit

Brands

• MyPortal: Next-generation digital platform for marketplaces offering digital contracts, e-signature, payment acquiring, escrowing, splitting and payouts
• MyPortal Auto
• MyPortal Reno
• EuroXpress

Products and services

• MyPortal Unified white-label platform for digital contracting, e-signature, payment acquiring, escrowing, fund splitting, and payouts, available for businesses and marketplaces to customize with their own branding.
• MyPortal Auto
• MyPortal Reno Renovation project management and payment security platform enabling multi-party contract validation, milestone tracking, escrow-based deposit management, and automated payment release based on project progress.
• Marketplace Solutions Payment and transaction management solution for online marketplaces, handling merchant onboarding, KYC/KYB compliance, payment acquiring, fund splitting between multiple parties, and merchant payouts.
• Custom Solutions White-label platform customization allowing businesses to create their own digital buying journey, including brand customization, API integration, and configurable workflows.
• EuroXpress Instant payment solution for vehicle purchases in France and Europe, enabling rapid secure transactions at key handover moments for car dealers, intermediaries, and importers.

Quantifiable outcome

• Handles hundreds of millions of EUR in yearly transactions
• +4 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• Budget InsightcoreTechnology or Integration · 13 September 2022Budget Insight, a leading European Open Banking and Open Finance player, partnered with CashSentinel to integrate payment initiation technology into MyPortal Auto. The Pay solution enables direct payment validation through banks via API, reducing card ceiling limitations and eliminating need to add beneficiaries manually. Already adopted by ~10% of CashSentinel customers.
• WorldlinecoreStrategic or Co-development Partner · 17 December 2019Worldline and CashSentinel combined expertise to provide payment solutions for Swiss and European online marketplaces. The joint solution offers card payments, TWINT, iDEAL, Bancontact, Alipay, and more, with automated onboarding and reporting tools. CashSentinel provides escrow, fund splitting, and merchant settlement services integrated with Worldline's PSP and acquiring capabilities. The partnership extends to WL Marketplace Payments offering.

Scale indicators5 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Tipalti: Tipalti provides mass payouts, global payment orchestration, and payee management for platforms and marketplaces — comparable to CashSentinel's marketplace merchant payout and payment splitting capabilities.
• Stripe Connect: Stripe Connect is a global payment orchestration platform enabling marketplaces and platforms to split payments, onboard sellers, and manage payouts — competing with CashSentinon's core multi-party payment orchestration capabilities at global scale.
• Adyen MarketPay: Adyen MarketPay is the marketplace-focused solution from global payments platform Adyen, providing multi-party payment splits, payouts, and seller onboarding — competing with CashSentinon's marketplace orchestration in the European market.
• Worldline: Worldline is a major European payment processor and CashSentinel's strategic partner, providing acquiring and PSP services through the WL Marketplace Payments joint solution — comparable as a large incumbent in the same payment ecosystem.
• Hyperwallet (PayPal): Hyperwallet, now part of PayPal, provides mass payout and payment distribution services to platforms and marketplaces — overlapping with CashSentinel's fund splitting and merchant settlement capabilities.

Emerging players

• Mollie: Mollie is a European payment service provider offering multi-method payment processing and marketplace features — comparable as a European-headquartered payment platform serving similar SMB and marketplace customers.
• Trustly: Trustly is a European Open Banking payment provider enabling direct bank payments and account-to-account transfers — relevant to CashSentinel's Open Banking integration strategy and Budget Insight partnership direction.

Direct peers

• Escrow.com: Escrow.com is a specialized online escrow service that holds funds securely until transaction conditions are met — directly comparable to CashSentinel's core escrow functionality for high-value transactions.
• Mangopay: Mangopay is a European payment orchestration platform purpose-built for marketplaces, offering multi-party payment splitting, escrow, KYC/KYB, and cross-border payouts — directly comparable to CashSentinel's MyPortal marketplace and escrow capabilities.
• Lemonway: Lemonway is a European payment institution providing marketplace payment solutions, KYC, escrow, and multi-party fund management — closely comparable to CashSentinel's regulated marketplace payment services in Europe.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cashsentinel-sa
• Xx.com/CashSentinel
• Facebookfacebook.com/CashSentinel

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds7 records

Investors4 records

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 CashSentinel