noosa

What noosa does

Noosa provides an API-only embedded finance platform purpose-built for the travel industry. The company serves online travel agencies, booking platforms, and airlines by enabling them to offer pre-approved, low-cost credit payment services to consumers at checkout. Noosa positions itself as a travel-specialized alternative to generic BNPL providers, addressing the distinct backend payment flows to travel suppliers and the unique credit risk characteristics of travel bookings — gaps that horizontal BNPL solutions overlook. Travel providers using the platform report a 20% increase in conversion rate, a 25% boost in booking order values, and up to 45% of bookings processed through deferred payment.

The core technology consists of two proprietary components: a travel-specific data extraction method that processes booking data throughout the discovery-to-checkout journey, and a finance calculation algorithm engine that calculates credit terms, performs risk assessment, and facilitates receivables financing. The platform enables travel providers to sell receivables to finance providers, improving liquidity for the provider and reducing credit risk in the system. Noosa holds ISO 27001:2022 certification and is GDPR compliant. Distribution is exclusively through API integration to enterprise travel platforms, with direct sales and demo-driven customer acquisition.

Noosa operates on a transaction fee revenue model, earning fees on credit processing for travel bookings and charging merchant fees to travel providers for deferred payment and credit services. The company is headquartered in Tel Aviv, Israel, with wholly-owned subsidiaries in the Netherlands (Noosa Innovation BV) and the United Kingdom (Noosa Innovation UK Ltd). It has stated plans to expand into additional European and North American markets. The company was founded in 2018 and operates with 11–50 employees.

Name

noosa

Legal name

Noosa Innovation Ltd

Website

https://noosa.io

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Noosa provides an API-only embedded finance platform for online travel companies and airlines, enabling pre-approved credit and deferred payment at checkout through travel-specific data extraction and a proprietary finance calculation algorithm.

Ownership category

akta.pro rank

Product category

Travel Embedded Finance / Travel Fintech

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Travel embedded finance
• BNPL for travel
• Credit-as-a-service API
• Online travel credit platform
• Receivables financing travel

Headquarters

HQ city

Tel Aviv

HQ country

Israel

HQ region

Middle East

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API Transaction Processing: Noosa generates revenue through transaction fees on credit processing for travel bookings, with the API facilitating credit origination and flexible instalment plans for consumers. The model includes merchant fees charged to travel providers for processing deferred payments and credit services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

noosa provides an API-only embedded finance platform that delivers credit and buy-now-pay-later functionality to online travel companies and airlines. Merchants integrate a single API to offer travelers pre-approved, low-cost installment credit at checkout, with noosa underwriting the loans and providing receivables financing on the merchant's book. The company is ISO 27001 certified and GDPR compliant, operating from Israel with subsidiaries in the Netherlands and the UK.

Product overview

Noosa is a single unified travel-embedded finance platform. It provides an API-only solution that enables online travel companies and airlines to embed pre-approved credit and flexible instalment payment options directly into the booking journey. The platform combines travel-specific data extraction with a finance calculation algorithm engine to facilitate credit origination and the sale of receivables to finance providers, positioning itself as a BNPL alternative tailored specifically for travel bookings.

Differentiator

Problem solved

Functional benefit

Products and services

• noosa Embedded Credit Platform API-only embedded finance platform that enables online travel agencies, airlines and other travel sellers to offer travelers pre-approved installment/credit payments at checkout. noosa underwrites the loans, manages regulatory and compliance requirements (ISO 27001, GDPR) and provides receivables financing on the merchant's book of bookings.

Quantifiable outcome

• 20% increase in conversion rate for travel providers
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Finance Providers (Receivables Purchasers)coreOthersNoosa facilitates the sale of receivables to finance providers as part of their platform functionality. Travel providers using Noosa can sell their receivables to these finance providers, enabling improved liquidity and reduced credit risk.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Uplift: Uplift is a US-based BNPL provider focused exclusively on the travel industry, offering pay-over-time solutions to airlines, OTAs, hotels, and cruise lines. It is the closest direct competitor to Noosa, sharing the vertical specialization thesis and offering similar deferred-payment functionality at travel checkout.
• Fly Now Pay Later: Fly Now Pay Later (acquired by Zip Co) was a UK/Australia-based BNPL provider specializing in travel payments, offering pay-later plans for flights and hotels. It is a direct peer given the travel-only focus and BNPL distribution model that overlaps with Noosa's offering.

Broad incumbents

• Affirm: Affirm is a US-listed BNPL and point-of-sale lender serving a wide range of merchants including travel. While broader in vertical scope, Affirm's pay-over-time product competes directly with Noosa at travel checkout and brings substantially greater capital and brand resources.
• Klarna: Klarna is a Sweden-based global BNPL leader offering pay-in-installments at checkout for many verticals including travel. As a broad incumbent with significantly larger scale, it competes head-to-head at travel merchants and represents the primary generic BNPL threat to Noosa's vertical specialization.
• Afterpay (Block): Afterpay, owned by Block (Square), is a leading global BNPL provider offering pay-in-4 at checkout across many merchants including travel brands. It is a broad incumbent whose scale, brand recognition, and parent-company resources pose a competitive threat to specialized players like Noosa.
• PayPal Pay Later: PayPal's Pay Later product suite (Pay in 4, Pay Monthly) offers BNPL functionality across PayPal's vast merchant network including travel. As a broad incumbent with embedded distribution through PayPal, it competes with Noosa wherever PayPal is accepted at travel checkout.
• Zip Co: Zip Co is a global BNPL provider operating across multiple verticals including travel through its acquisition of Fly Now Pay Later. It is a broad incumbent with substantial scale and travel-specific capability post-acquisition, making it both a competitor and potential strategic acquirer.
• Splitit: Splitit is a global BNPL platform that splits purchases into instalments using existing credit cards, serving multiple verticals including travel. As a platform-based BNPL with card-rail integration, it offers overlapping functionality to merchants evaluating Noosa.

Regional players

• Tabby: Tabby is a MENA-based BNPL provider, headquartered near Noosa's home market (Israel/Middle East region), offering pay-later functionality across many merchants. While geographically distinct from Noosa's target markets, it is a regional peer with comparable B2B BNPL distribution model and overlap in travel-relevant verticals.

Others

• ChargeAfter: ChargeAfter is a BNPL orchestration platform that enables merchants to offer multiple lending options at checkout across verticals including travel. It is thematically comparable as a B2B fintech serving merchants' deferred-payment needs but focuses on lender orchestration rather than direct credit origination like Noosa.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/noosaio

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

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 noosa