What Payout does

Payout a.s. is a Slovakia-based, NBS-licensed payment institution that operates an integrated payment infrastructure platform targeting SMEs and mid-market businesses across Central Europe. Founded in 2018 (with open banking operations since 2019), the company is headquartered in Zilina with a secondary office in Bratislava, and operates with a lean team of 11-50 employees while serving 10,000+ active merchants and 350+ B2B clients that have processed over €2.5 billion in cumulative transaction volume.

The platform combines a multi-method payment gateway (cards, Apple Pay, Google Pay, bank buttons, SEPA Instant, QR codes, BNPL) with a multicurrency business payment account, a PSD2-compliant Banklink open banking service for account information and payment initiation, instant money remittance across SEPA markets, and a Payout ID module for biometric KYC and AML compliance. The technology stack is exposed through a Single API at developers.payout.tech and self-service onboarding at id.payout.one, with biometric verification recently augmented via a partnership with Innovatrics.

Payout generates revenue primarily through transaction-based fees on payment processing and remittance, supplemented by recurring SaaS fees tied to identity verification volumes. The go-to-market combines direct B2B sales to enterprise and mid-market accounts with self-service onboarding for SMBs. The company is privately held, has completed at least one funding round (July 2023, amount undisclosed), and has earned Deloitte Technology Fast 50 CE 2025 and INNOTECH Forum 2025 Most Innovative Financial Company recognition.

Name

Payout

Legal name

Payout a.s.

Website

https://payout.one

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Payout a.s. is an NBS-licensed Slovak payment institution providing an integrated payment gateway, open banking, biometric KYC, and money remittance platform for SMEs and mid-market merchants across Central Europe.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Payment gateway services
• Open banking APIs
• Identity verification
• Money remittance
• Business payment accounts

Headquarters

HQ city

Zilina

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based fees from processing card payments, digital wallets (Apple Pay, Google Pay), bank transfers, QR codes, and BNPL through the payment gateway infrastructure
2. SaaS Identity Verification: Biometric IDV services integrated via SaaS model with Innovatrics, providing document and selfie biometric checks with costs tied to transaction volumes
3. Money Remittance: Money transfer services without requiring payment accounts, generating fees from international and instant transfers within SEPA area and to Romania, Poland, Hungary, Czech Republic, Sweden
4. Open Banking Services: Banklink services providing access to banking data and payment initiation for B2B clients, likely with per-API-call or subscription pricing

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Payout a.s. operates a regulated payment infrastructure platform that enables e-commerce businesses and service providers to accept online payments, hold funds in multicurrency business accounts, perform KYC/AML identity verification, initiate instant SEPA transfers, and access PSD2 open banking data, all exposed through a single API and licensed by the National Bank of Slovakia. The company sells its own payment gateway, business payment account, Payout ID verification, Banklink open banking, money remittance and KYCFraudnet modules directly to merchants and B2B clients in Central Europe.

Product overview

Payout operates as a payment infrastructure platform offering a unified suite of payment services. The core products include a Payment Gateway for e-commerce businesses and a Business Payment Account for account management. These are complemented by modular add-ons including Payout ID (electronic identity verification), Banklink (open banking/PSD2 services), and Money Remittance (international transfers). The platform is built on a single API architecture and is licensed by the National Bank of Slovakia. The company processes over €2.5 billion in transactions across more than 10,000 merchants, serving primarily B2B clients in Central Europe.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Gateway for E-shops NBS-licensed, PCI DSS-secured payment gateway that enables e-commerce businesses and online retailers to accept card payments, Apple Pay, Google Pay, bank buttons, instant transfers, QR codes and Buy Now Pay Later options through a single integration. Payout processes card transactions on behalf of merchants under its Slovak payment institution license.
• Business Payment Account Multicurrency business payment account for merchants and B2B clients, providing account management, financial market services, daily revenue crediting and automatic transaction matching logic to reduce administration and speed up goods dispatch.
• Payout ID Electronic document and identity verification solution that automates KYC processes with document scanning, data extraction, liveness checks, bank account ownership confirmation and PEP/sanctions screening. Provides 99% verification accuracy with an average 2-minute process time and is offered to banks, fintechs, marketplaces and B2B clients needing onboarding verification.
• Banklink PSD2-compliant open banking service providing access to banking data directly in business systems through Account Information Services and Payment Initiation Services. Enables financial analytics, direct payments, identity verification via bank account ownership confirmation, and real-time data retrieval under NBS-supervised AIS/PIS licensing.
• Money Remittance Instant money transfer service enabling international transfers without requiring a payment account, supporting transfers within the SEPA area and to Romania, Poland, Hungary, Czech Republic and Sweden. Operates 24/7/365 with funds reaching destination accounts within 10 seconds via Instant Payments rails.
• KYCFraudnet Compliance and fraud prevention module supporting PEP and sanctions screening for AML/KYC requirements, designed to identify high-risk individuals by checking international registers and to minimize fraud risk across merchant and B2B payment flows.

Quantifiable outcome

• €2.5B+ transaction volume processed
• +5 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature6 records

Partnerships

One partnership is on record.

• InnovatricscoreTechnology or Integration · 11 February 2026Innovatrics, a digital identity technology firm, partnered with Payout to integrate automated biometric identity verification into Payout's onboarding and transaction flows. The integration enables Payout's B2B clients to verify new customers within minutes rather than days, reducing reliance on manual review while ensuring KYC compliance and lowering fraud risk. The partnership allows Payout to embed Innovatrics' document and selfie biometric checks without building new infrastructure, providing predictable costs tied to transaction volumes.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Regional players

• TrustPay: Malta-headquartered payment service provider licensed across the EEA with strong CEE coverage in card acquiring, A2A, and payouts. Comparable to Payout's cross-border CEE payment and remittance positioning.
• GoPay: Czech payment gateway and e-commerce payment processor serving Central European merchants. Directly comparable as a CEE regional PSP competing for the same local merchant base Payout targets.

Direct peers

• Trustly: European A2A / open banking payments network licensed under PSD2 for payment initiation and account information services. Directly comparable to Payout's Banklink and Money Remittance products and its PSD2-led go-to-market posture.
• SumUp: European SMB-focused payments company offering card acceptance plus business accounts and POS hardware. Comparable to Payout's SME gateway and business payment account positioning, though SumUp skews more offline.
• Mollie: Amsterdam-based payment service provider serving European SMBs and mid-market merchants with a multi-method gateway plus banking and IDV add-ons. Closest direct comparable to Payout in product breadth (gateway + account + IDV) and SME/mid-market focus across Europe.
• Tink: European open banking platform (now owned by Visa) providing account information, payment initiation, and risk insights via PSD2 APIs. Comparable to Payout's Banklink offering and similar mid-market/fintech customer base.

Broad incumbents

• Adyen: Global unified payments platform with acquiring, gateway, and value-added services across Europe. Comparable as a broad incumbent in the same merchant payment infrastructure category, with significantly larger scale.
• Stripe: Global payments infrastructure provider for internet businesses, expanding aggressively across Europe with developer-first APIs and a growing suite of embedded finance products. Comparable as a broad incumbent competing for the same e-commerce and platform merchants Payout serves.
• Klarna: European BNPL and payments network offering merchant payment acceptance alongside consumer credit. Comparable as a broad incumbent in the BNPL/alternative payment method layer that Payout integrates into its gateway.
• Checkout.com: Global full-stack payment processor with strong European presence and a single-integration API spanning gateway, acquiring, and disbursements. Comparable as a broad incumbent competing for the same enterprise/mid-market payment infrastructure wallet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

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 Payout