PAY.ON AG
- Company typePrivate
- Founded2004
- HeadquartersMunich, Germany
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What PAY.ON AG does
PAY.ON AG is a Munich-based, privately held payment infrastructure provider founded in 2004 with 51-100 employees. The company operates the payon.com eCommerce global coverage property, which functions as the merchant-facing entry point into ACI Worldwide's payment orchestration stack. Its core product is ACI Secure eCommerce, a RESTful API-based payment gateway that connects merchants to a network of 250+ Payment APIs spanning 160+ countries, encompassing local and cross-border acquirers as well as alternative payment methods such as eWallets, mobile payments, and bank transfers. The platform supports multiple authorization and settlement currencies and multi-language checkout, and includes built-in fraud prevention positioned alongside the routing layer.
The business runs on a transaction-based revenue model — per-transaction and API usage fees are the implied monetization mechanism — with no publicly disclosed pricing tiers. GTM is API-first and enterprise-oriented: integration is delivered through a single open RESTful API for technical self-service, while commercial engagement is handled through ACI Worldwide's direct enterprise sales motion and corporate digital channels (LinkedIn, Twitter, Facebook, YouTube). The customer base is described horizontally as global eCommerce merchants pursuing international expansion, served across enterprise/government and SMB segments via custom, multi-year contracts. The company's strategic positioning is therefore less that of an independent scaling startup and more that of an established product surface embedded within ACI's broader Universal Payments ecosystem, with ownership and cap-table structure undisclosed in the source material.
PAY.ON AG firmographics
Firmographics- Name
- PAY.ON AG
- Legal name
- PAY.ON AG
- Website
- https://payon.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
PAY.ON AG industry classification
Industry- Product category
- Payment Processing / Payment Gateway Infrastructure
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industry
- Cross-border Payments, FX & Multi-currency Checkout (CRAFAJAF)
Keywords
Where PAY.ON AG is headquartered
LocationHeadquarters
- HQ city
- Munich
- HQ country
- Germany
- HQ region
- Europe
Markets served
PAY.ON AG business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Payment Gateway Services: Revenue generated from payment processing through ACI Secure eCommerce gateway, connecting merchants to acquirers and alternative payment methods globally. Payment gateway fees likely include per-transaction fees, API usage fees, and potentially subscription tiers for enterprise merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Enterprise/government and SMB segments served through direct sales with custom pricing |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
PAY.ON AG product offering
Product offeringCore offering
PAY.ON AG operates the ACI Secure eCommerce payment gateway, a global payment orchestration platform that enables merchants and payment providers to accept payments, prevent fraud, and connect to a worldwide network of 250+ Payment APIs across 160+ countries through a single RESTful API integration. The platform supports alternative payment methods including eWallets, mobile payments, and bank transfers in multiple languages and major currencies, with built-in fraud protection.
Product overview
PAY.ON AG offers a unified payment orchestration platform centered on ACI Secure eCommerce, a global payments gateway that connects merchants to 250+ Payment APIs across 160+ countries. The platform enables businesses to accept payments, prevent fraud, and offer multiple payment methods including eWallets, mobile payments, and bank transfers, all through a single open RESTful API integration with support for multiple languages and major currencies.
Differentiator
Problem solved
Functional benefit
Products and services
- ACI Secure eCommerce Payment Gateway A global payment gateway that enables merchants and payment providers to accept payments, prevent fraud, and connect to a global payments network of 250+ Payment APIs across 160+ countries via a single open RESTful API integration. Supports eWallets, mobile payments, bank transfers and other alternative payment methods in multiple languages and all major currencies.
Quantifiable outcome
- 40% boost in sales
Companies that use PAY.ON AG
Customer profileSegments1 record
Ideal customer profiles1 record
PAY.ON AG technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
PAY.ON AG partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ACI Universal PaymentscorePAY.ON AG operates as part of ACI's Universal Payments ecosystem. The platform is powered by ACI Secure eCommerce payment Gateway, which provides the core technology infrastructure for the global payment connectivity network. This integration provides access to 250+ Payment APIs across 160+ countries.
Scale indicators3 records
Recent moves1 record
Expansion highlights4 records
PAY.ON AG competitors and assessment
Company assessmentDirect peers
- Stripe: Stripe provides a global unified payments API with extensive APM coverage, multi-currency support, and integrated fraud (Radar). It competes directly with PAY.ON AG for developer-led and enterprise merchants seeking a single-API global payment solution.
- Checkout.com: Checkout.com is a global payment processor offering unified acquiring, APM coverage, and fraud tools across multiple geographies through a single API. It targets the same enterprise and large e-commerce segments as PAY.ON AG.
- Adyen: Adyen is a global full-stack payment processor offering unified API access to acquirers, APMs, and fraud prevention across many of the same 160+ geographies PAY.ON AG targets. It competes head-to-head with PAY.ON AG for large enterprise merchants needing cross-border connectivity through a single integration.
Broad incumbents
- ACI Worldwide: ACI Worldwide is the parent ecosystem provider for PAY.ON AG's gateway technology and the platform runs on ACI Secure eCommerce. It is the closest broad incumbent — a global real-time payments and financial software vendor whose product portfolio encompasses the gateway capability PAY.ON AG specializes in.
- Worldpay: Worldpay is a major global merchant acquirer and payment processor offering gateway, acquiring, and APM services. It overlaps with PAY.ON AG's core capability of connecting merchants to global payment methods and is a broad incumbent in the same space.
- PayPal (Braintree): PayPal's Braintree division provides a unified payment gateway with global APM coverage and fraud tools, targeting enterprise merchants similar to PAY.ON AG. It is a broad incumbent with overlapping connectivity and orchestration capabilities.
Emerging players
- EBANX: EBANX is a cross-border payments platform focused on emerging markets, offering local payment methods and acquirer connectivity in Latin America, Africa, and Asia. It competes with PAY.ON AG for merchants expanding into those geographies through APM-heavy coverage.
- Spreedly: Spreedly provides a payments orchestration platform that abstracts connections to multiple gateways and payment services through a single API. It competes with PAY.ON AG for merchants needing flexible routing and broad connector coverage, though with a more developer-centric GTM.
- Rapyd: Rapyd is a fintech providing global payment acceptance, payout, and APM coverage across 100+ countries through a unified API. It is an emerging player with significant overlap to PAY.ON AG's cross-border connectivity and APM aggregation value proposition.
- Primer: Primer is a payment orchestration platform that allows merchants to route transactions across multiple processors and APMs through a unified API. It is an emerging direct competitor in the same orchestration category as PAY.ON AG, focused on merchants consolidating multiple payment integrations.
Market position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
PAY.ON AG social profiles
Digital presencePAY.ON AG financial estimates
Financial estimateRevenue estimate
Valuation estimate
PAY.ON AG leadership team
Management profileNumber of profiles
PAY.ON AG funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PAY.ON AG 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 PAY.ON AG
What does PAY.ON AG do?
PAY.ON AG operates the ACI Secure eCommerce payment gateway, a global payment orchestration platform that enables merchants and payment providers to accept payments, prevent fraud, and connect to a worldwide network of 250+ Payment APIs across 160+ countries through a single RESTful API integration. The platform supports alternative payment methods including eWallets, mobile payments, and bank transfers in multiple languages and major currencies, with built-in fraud protection.
Is PAY.ON AG a public or private company?
PAY.ON AG is a private company. It is classified as corporate owned and is currently operating.
When was PAY.ON AG founded?
PAY.ON AG was founded in 2004. It employs 51 to 100 people.
Where is PAY.ON AG based?
PAY.ON AG is headquartered in Munich, Germany, in the Europe region.
How does PAY.ON AG make money?
One revenue line is on record: payment Gateway Services.
Who are PAY.ON AG's main competitors?
Direct peers on record are Stripe, Checkout.com and Adyen. Broad incumbents are ACI Worldwide, Worldpay and PayPal (Braintree). Emerging players are EBANX, Spreedly, Rapyd and Primer.
Does PAY.ON AG have an API?
Yes. A single integration through an open RESTful API connects to a global payments network of local and cross-border acquirers and alternative payment methods. The API enables accepting payments, preventing fraud, and creating innovative payment experiences offering eWallets, mobile payments, bank transfers and more, in multiple languages and all major currencies. Developer documentation is at www.aciworldwide.com.
What industry is PAY.ON AG in?
PAY.ON AG's product category is Payment Processing / Payment Gateway Infrastructure. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of CRAFAJAF, Cross-border Payments, FX & Multi-currency Checkout.