What AVEM does

AVEM is a privately-held French payment technology and retail equipment services company headquartered in Lyon, operating approximately 2,066 employees across 9 production sites and 80+ technical agencies in France. Founded in 2014 (corporate registration data indicates 2013), the company provides end-to-end payment terminal lifecycle management including equipment supply, deployment, integration, training, and maintenance for 450,000+ terminals handling 600,000 annual monetic support calls. AVEM operates through two primary business lines: AVEM RETAIL serving multi-store retail chains (enseigne customers) with point-of-sale terminals, SoftPOS mobile payment, self-checkout kiosks, RFID solutions, and international deployment across 15 European countries; and AVEM Direct serving banking institutions with payment terminal management, ATM/fiduciary services, cardholder services, EDI/e-commerce assistance, and distribution support.

The company's technology stack centers on Android-based payment terminals with NFC contactless capabilities (SoftPOS), traditional TPE/TPV infrastructure from strategic partner Ingenico-Worldline, and integrated third-party solutions including Billiv digital receipts, Cegid CRM, and Connectill cash register applications. AVEM maintains compliance with FRv6, EMVCo, NF525, and RGPD/GDPR standards, and has obtained EcoVadis Gold Medal (70/100, top 6% in sector), LUCIE 26000 RSE certification, and UN Global Compact membership. The company differentiates through industrial-scale managed services, circular economy integration (40% of 2024 deployments were refurbished terminals via 14-year CODEO partnership), and physical service network density enabling rapid response times.

AVEM's revenue model combines hardware sales (payment terminals, POS systems, self-checkout kiosks), recurring managed services contracts (multi-year maintenance and support), and professional services (EDI management, banking distribution assistance, IT support). Pricing is quote-based for enterprise clients with no public disclosure. Customer segments include banks and financial institutions (primary), retail chains (primary, including THOM Europe, CASA France, SCHIEVER), and individual merchants. The customer base spans enterprise accounts with multi-thousand-location deployments and long-tail SMB merchants served through technical assistance call centers.

Name

AVEM

Legal name

AVEM

Website

https://avem-groupe.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

501–1,000 employees

Short description

AVEM is a French payment technology and retail equipment services company serving banks, retail chains, and merchants with end-to-end payment terminal lifecycle management, SoftPOS mobile payments, self-checkout, and IT support across France and 15 European countries.

Ownership category

akta.pro rank

Product category

Payment Terminal Services

NAICS

Computer Terminal and Other Computer Peripheral Equipment Manufacturing (334118), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Computer Terminals (3575), Services-Facilities Support Management Services (8744)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Cash Drawers, Cash Handling & Coin/Bill Counters (HDACAKAE), Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB), Cash Logistics & CIT (Cash-in-Transit) Services (FSAMAOAE)

Keywords

• Payment terminal services
• Retail equipment solutions
• Banking IT support
• Mobile payment acceptance
• Card payment services

Headquarters

HQ city

Meyzieu

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Terminal Equipment Sales: Sale and supply of payment terminals (TPE/TPV), POS systems, self-checkout kiosks, payment kiosks, and related hardware to retailers and banks.
2. Maintenance and Support Services: Ongoing maintenance, deployment, and support services for payment equipment networks. Covers 450,000+ terminals under maintenance with 600,000 annual monetic calls handled.
3. EDI and E-commerce Assistance: Administrative and commercial activity management for electronic data interchange and e-commerce payment solutions.
4. Banking Distribution Assistance: AVEM Direct supports banks in commercializing their offerings including diagnostic, migration, upselling, and e-commerce services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

AVEM supplies, deploys, integrates, trains, supports and maintains payment terminal ecosystems and point-of-sale equipment for banks, retail chains and merchants across France and 15 European countries. The company manages more than 450,000 payment terminals under maintenance and provides banking distribution assistance, EDI/e-commerce support, cardholder services, ATM/fiduciary lifecycle management, IT maintenance, and mobile payment solutions including SoftPOS.

Product overview

AVEM is a unified payment and retail technology platform offering equipment, deployment, and managed services for banks, retailers, and merchants across France. The portfolio centers on AVEM RETAIL (POS terminals, SoftPOS mobile payments, self-checkout, payment kiosks) and AVEM Direct (banking distribution support), complemented by monetics services (TPE management, cardholder services, ATM/fiduciary), IT support, EDI/e-commerce, and international deployment across 15 European countries. The platform integrates third-party solutions including Billiv for digital receipts, Cegid for CRM, and Connectill cash register software on Android terminals. Key volume metrics include 450,000+ TPE terminals under maintenance, 600,000 annual payment calls, and 9 production sites with 80 technical agencies.

Differentiator

Problem solved

Functional benefit

Brands

• AVEM RETAIL: Solutions de monétique et d'équipement du point de vente pour les enseignes
• AVEM Direct
• SoftPOS
• Bornes et Automates de Paiement
• Caisses Libre-Service (Self Check-Out)
• Terminal Point de Vente (TPV)

Products and services

• AVEM RETAIL Retail-focused division providing point-of-sale equipment, payment terminal deployment, integration, training, and on-site maintenance services for multi-store retail networks across France and 15 European countries.
• AVEM Direct Banking distribution assistance service helping financial institutions commercialize their products through diagnostic support, migration, product launches, and customer qualification.
• Terminal Point de Vente (TPV) Touch-screen point-of-sale terminals combining hardware and cash register software for front-office and back-office management in retail environments.
• SoftPOS Mobile Payment Solution Mobile payment solution transforming Android smartphones, PDAs, or tablets into contactless payment terminals using NFC technology, enabling payments without traditional TPE hardware.
• Self Check-Out (Caisse Libre-Service) Self-service checkout systems allowing customers to scan products, pay with card, and complete transactions independently, reducing queue times and staffing requirements.
• Bornes et Automates de Paiement Interactive digital kiosks and payment automates serving as additional customer touchpoints for catalog browsing, e-reservation, click-and-collect, and omnichannel retail experiences.
• Monétique Commerçant Merchant payment services covering electronic payment terminal (TPE/TPV) installation, management, and maintenance for proximity commerce and retail chains.
• Services aux Porteurs de Cartes Bancaires Cardholder services including fraud prevention, SOS Carte emergency card blocking, and transaction event management throughout the card lifecycle.
• Automates et Fiduciaire ATM and cash management services including installation, configuration, usage assistance, cash loading, software updates, and decommissioning for banking automation equipment.
• Maintenance Informatique Hybride (MIH) Hybrid IT maintenance service for banks with on-site technicians integrated into banking premises, combining remote support with proximity assistance for workstations, printers, and mobile devices.
• RFID Solutions Radio Frequency Identification technology solutions for product identification, security, and tracking in retail point-of-sale environments.
• Evénement+ Event-specific payment terminal rental service starting at 6 terminals, including personalized support, dedicated technical assistance, extended hours, and Connectill cash register application on Android TPEs.
• EDI et E-commerce Electronic Data Interchange and e-commerce assistance services for administrative and commercial data exchange and online payment solutions management.
• Accompagnement International International deployment service enabling single-contract coverage across 15 European countries for retail chains expanding across borders.
• Audit Réseau Network audit services for retail chains to assess and optimize store network infrastructure and connectivity.

Quantifiable outcome

• Carbon emissions reduced by 33% since 2021
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Four partnerships are on record, tiered minor and core.

• AgefiphminorOthers · 1 September 2023Partnership signed September 2023 to support disability employment. Provides framework for recruiting and maintaining employees with disabilities.
• Ingenico (part of Worldline)coreTechnology or IntegrationStrategic partnership for payment terminals and services. AVEM distributes and deploys Ingenico terminal range. PEBIX-AVEM is a recognized Ingenico-Worldline partner for terminals and payment services.
• CODEOcoreTechnology or Integration14-year partnership in circular economy for reconditioning payment terminals. CODEO supplies refurbished TPE units to AVEM, supporting sustainability goals with 40% of new terminals being reconditioned.
• Réseau GESATminorOthersConvention signed to support social economy and adapted enterprises through inclusive purchasing.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Worldline (Ingenico): Worldline is the European payments giant that owns Ingenico, AVEM's primary terminal supplier and strategic partner. Comparable because it offers payment terminals, merchant acquiring, and banking payment services across Europe, making it both partner and competitor in the same vertical.
• Nexi Group: Large European payments and merchant acquiring group operating across Italy, Germany, Nordics, and beyond. Comparable because it provides merchant payment services and terminal deployment for banks and retailers across multiple European geographies.
• Capgemini: Global IT services and consulting leader with a substantial European banking technology practice. Comparable for IT maintenance and managed services to banks in France, although it does not specialize in payment terminal deployment.
• Atos: French-headquartered IT services provider with banking and payment infrastructure practices. Comparable for IT managed services and infrastructure support to French and European banks, overlapping with AVEM's banking support informatique offerings.

Direct peers

• Verifone: Global payment terminal manufacturer and payment services provider operating in retail and banking channels. Comparable because it sells and maintains POS terminals (competing with Ingenico) and offers merchant payment services across multiple European markets.
• PAX Global: Hong Kong-based POS terminal manufacturer with significant European presence through Android smart terminals. Comparable because it competes head-to-head with Ingenico in the terminal AVEM deploys for retailers and banks.

Emerging players

• SumUp: European mobile payment acceptance provider offering SoftPOS-style solutions and compact card readers to SMB merchants. Comparable as a SoftPOS and mobile payment competitor to AVEM's merchant-facing offering, particularly in France and Germany.
• Square (Block): Global mobile payment and POS provider offering hardware terminals and software POS solutions. Comparable in SoftPOS-style mobile acceptance and integrated checkout software, although AVEM's enterprise retail focus differs from Square's SMB core.

Regional players

• Sopra Steria: French-headquartered IT services company with a banking vertical practice providing IT maintenance and support to European banks. Comparable as a provider of banking IT support services in France and Europe, competing with AVEM's MIH and support informatique offerings.
• Viva Wallet: European payment acquirer and SoftPOS provider with strong presence in Greece and Southeast Europe. Comparable as a SoftPOS-native competitor expanding into French and Western European retail payment acceptance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/avem_groupe

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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 AVEM