PayTop
PayTop SAS is a Paris-based payment institution operating a white-label remittance platform that enables banks, fintechs, and other businesses to offer international money transfer services under their own brand across 27 European countries via APIs and managed compliance.
- Company typePrivate
- Founded2012
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What PayTop does
PayTop SAS is a Paris-based payment institution founded in 2012 that operates a white-label remittance platform for banks, financial institutions, fintech companies, and other businesses seeking to offer international money transfer services under their own brand. The platform is built around a modular API suite, compliance management tools covering KYC and AML, real-time transaction processing with notifications, and a fully managed service layer that includes customer care. The technology architecture is designed for scalability and data protection, with a dedicated staging environment and documented web services supporting partner integration. Supported delivery methods include bank transfer, cash pickup, mobile wallet, and ATM; supported payment methods include credit/debit card, bank transfer, and open banking.
The company is licensed as a Payment Institution by ACPR (Bank of France) with authorization to provide payment services across 27 European countries, and is registered as a Digital Asset Service Provider by AMF (DASP LEI: E2023-079, registered 2023). PayTop's core product, the White Label Remittance Solution, enables partners to launch branded remittance services in 2-3 months without obtaining their own payment license or establishing a local entity. Compliance infrastructure is assembled from third-party vendors including AWS Singapore for hosting, Shufti Pro for identity verification, NameScan for PEP and sanctions screening, and World-Check One (LSEG) for risk intelligence.
PayTop generates revenue through two streams: per-transaction fees on money transfers processed through the platform, and white-label licensing fees for partner access to its technology stack, regulatory licenses, and operational infrastructure. Pricing is quote-based and negotiated per partnership rather than publicly disclosed. The company operates from a single headquarters in Paris (1 rue de Stockholm, 75008) with a headcount of 11-50 employees, and its go-to-market relies on direct B2B sales and corporate website presence. There is no evidence of institutional venture or private equity backing; ownership appears to remain with founders and management, with Eric Barbier serving as President and Executive Chairman.
PayTop firmographics
Firmographics- Name
- PayTop
- Legal name
- PayTop SAS
- Website
- https://paytop.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- PayTop SAS is a Paris-based payment institution operating a white-label remittance platform that enables banks, fintechs, and other businesses to offer international money transfer services under their own brand across 27 European countries via APIs and managed compliance.
- Ownership category
- akta.pro rank
PayTop industry classification
Industry- Product category
- Cross-Border Payments / Remittance Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)
- akta.pro secondary industries
- Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where PayTop is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
PayTop business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales, Others
Revenue model
- Money Transfer Transaction Fees: PayTop generates revenue through transaction fees charged on money transfers. White-label partners access the platform to offer remittance services to their customers, with PayTop taking a fee per transaction processed through the platform.
- White-Label Licensing: White-label licensing model where partners customize the platform with their branding and pay for access to PayTop's technology, regulatory licenses, and operational infrastructure.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
PayTop product offering
Product offeringCore offering
PayTop provides a white-label remittance and money transfer platform that enables banks, financial institutions, and fintech companies to offer branded cross-border payment services under their own name. The platform is delivered through modular APIs, supports multiple delivery methods (bank transfer, cash pickup, mobile wallet, ATM) and payment methods (card, bank transfer, open banking), and is backed by PayTop's payment institution licenses in 27 European countries, fully managed KYC/AML compliance, and real-time transaction processing.
Product overview
PayTop operates as a white label remittance and money transfer platform, providing partners with a customizable technology stack to launch remittance services under their own brand. The core offering is the White Label Remittance Solution, supported by a modular API suite (Our APIs), compliance management tools for KYC/AML, and real-time transaction processing with notifications. PayTop holds payment licenses in 27 European countries through its ACPR-regulated entity, enabling partners to go to market in 2-3 months without requiring their own license or local entity. The company positions itself as a fully managed service provider, handling compliance, customer care, and operational infrastructure while partners focus on marketing.
Differentiator
Problem solved
Functional benefit
Products and services
- White Label Remittance Solution A white-label money transfer platform that enables partner businesses (banks, financial institutions, fintechs) to offer remittance services under their own brand. Provides worldwide coverage with delivery methods including bank transfer, cash pickup, mobile wallet, and ATM, and gives partners access to the full European remittance market without requiring their own payment license or local entity.
- Remittance API Suite
Companies that use PayTop
Customer profileSegments2 records
Ideal customer profiles2 records
PayTop technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
PayTop partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- AWS SingaporecoreCloud hosting and infrastructure provider for PayTop's platform. Data is encrypted at rest and in transit with role-based access controls. Sub-processor agreement in place ensuring data protection compliance with ISO 27001, SOC 1/2/3, PDPA, GDPR, and CCPA frameworks.
- Shufti ProcoreIdentity verification service provider for KYC/AML compliance processes. Only necessary personal data is shared through secure APIs. Contractual obligations enforced with GDPR and ISO 27001 compliance.
- NameScancoreIdentity screening provider for PEP (Politically Exposed Persons) and sanctions checks. Data access is restricted with contractual DPA in place. Maintains logs for audit purposes with GDPR and ISO 27001 compliance.
- World-Check One (LSEG)coreSanctions, PEP, and risk intelligence screening service for compliance and regulatory requirements. Access controls implemented with contractual data protection terms. Monitoring and audit logs maintained with GDPR and ISO 27001 compliance.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
PayTop competitors and assessment
Company assessmentDirect peers
- Thunes: Thunes is a cross-border payments infrastructure provider offering payouts and collections across 130+ countries. It competes directly with PayTop's white-label remittance and payout infrastructure for B2B partners.
- TerraPay: TerraPay provides cross-border payments infrastructure enabling partners to make instant payouts to bank accounts, mobile wallets, and cash pickup locations. It is a direct competitor in B2B2C payout infrastructure.
- Nium: Nium offers a global payments platform with embedded finance APIs for payouts, remittances, and card issuing. It directly competes with PayTop in white-label cross-border payout infrastructure for banks and fintechs.
- dLocal: dLocal is a cross-border payment platform providing pay-in and payout infrastructure for emerging markets merchants and platforms. It shares PayTop's B2B infrastructure model with a focus on emerging market corridors.
- Currencycloud: Currencycloud (now part of Visa) provides cross-border payments APIs for banks and fintechs to embed FX and multi-currency capabilities. It is comparable to PayTop's white-label API infrastructure for remittance and payouts.
Broad incumbents
- Wise (TransferWise): Wise is a publicly listed cross-border payments company with deep multi-currency and remittance capabilities. While primarily consumer-facing, Wise also offers infrastructure/API products that overlap with PayTop's white-label offerings.
- Remitly: Remitly is a major digital remittance company serving immigrant corridors globally. It operates its own licensed remittance infrastructure, overlapping with PayTop's technology and licensing model, though primarily via direct-to-consumer rather than white-label.
- Western Union: Western Union is the largest traditional remittance network, with global agent and digital payout capabilities. It competes with PayTop in the European cross-border market and also offers white-label/B2B services at much greater scale.
- MoneyGram: MoneyGram operates a global remittance network with extensive cash pickup and digital capabilities. It is a broad incumbent in the cross-border payout space and serves as both a competitor and a potential white-label partner.
- WorldRemit: WorldRemit is a digital remittance company serving senders from developed markets to recipients across emerging markets. It operates its own regulated payment infrastructure across multiple corridors.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
PayTop social profiles
Digital presencePayTop compliance and trust
Trust signalCompliance8 records
PayTop financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayTop leadership team
Management profileNumber of profiles
Profiles1 record
PayTop funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayTop 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 PayTop
What does PayTop do?
PayTop provides a white-label remittance and money transfer platform that enables banks, financial institutions, and fintech companies to offer branded cross-border payment services under their own name. The platform is delivered through modular APIs, supports multiple delivery methods (bank transfer, cash pickup, mobile wallet, ATM) and payment methods (card, bank transfer, open banking), and is backed by PayTop's payment institution licenses in 27 European countries, fully managed KYC/AML compliance, and real-time transaction processing.
Is PayTop a public or private company?
PayTop is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PayTop founded?
PayTop was founded in 2012. It employs 11 to 50 people.
Where is PayTop based?
PayTop is headquartered in Paris, France, in the Europe region.
How does PayTop make money?
Two revenue lines are on record. Money Transfer Transaction Fees are the primary driver. The others are white-Label Licensing.
Who are PayTop's main competitors?
Direct peers on record are Thunes, TerraPay, Nium, dLocal and Currencycloud. Broad incumbents are Wise (TransferWise), Remitly, Western Union, MoneyGram and WorldRemit.
Does PayTop have an API?
Yes. PayTop offers a full suite of APIs for white label remittance solutions. The APIs are highly modular and designed for scalability and data protection. They include developer tools and a dedicated staging environment for integration testing. The solution supports payment processing, KYC/AML compliance management, real-time transaction processing, and notifications. Crystal clear documentation is provided for all web services. No specific endpoint URL, authentication method, or rate limits are disclosed.
What industry is PayTop in?
PayTop's product category is Cross-Border Payments / Remittance Platform. Its primary akta.pro industry code is FSAGAKAC, Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace), with a secondary code of FSAMAIAJ, Cross-Border Payouts & Mass Disbursements (Pay-outs). Its NAICS code is 522320 and its SIC code is 6199.