Paymatico

Paymatico is a Banco de España–authorized Spanish payment institution offering an API-first payment infrastructure platform — including card acceptance, smart accounts, payment orchestration, and white-label solutions — for e-commerce, marketplaces, franchises, and enterprise merchants across Western Europe.

Company typePrivate
Founded2013
HeadquartersMadrid, Spain
Headcount1–10
GTM typeB2B
OfferingSoftware

What Paymatico does

Paymatico Payment Institution S.L. is a privately held Spanish payment service provider founded in 2013 and headquartered in Madrid, operating under authorization and supervision of the Banco de España (registered as Payment Entity 6861). The company runs an API-first payment infrastructure platform composed of three product pillars: Payment Acceptance (Checkout, POS, Paylink, Payout), Smart Accounts (Payin, Concilia, Smart, Evento, Verifica — including virtual IBAN and smart-contract-based accounts), and Gateway Tools (Connect, Plug&Pay, Token, Router). Underlying processing is delivered via a curated network of acquiring and gateway partners including Credorax Bank, Banco de Sabadell, Shift4/Source, Paynopain Solutions, and MyChoice2Pay, with the Connect aggregator exposing 200+ alternative payment methods through a single integration layer.

The platform serves a diversified set of B2B customer segments — e-commerce businesses, multi-vendor marketplaces, franchise networks, enterprise merchants, corporate treasury/multi-entity groups, and white-label partners — through three distribution channels: direct enterprise sales (with phone and contact-form support), self-serve developer/API onboarding with public documentation, and an OEM/white-label partner program. Monetization combines transaction-based processing fees (primary), recurring subscription fees for the Billing and Accounts platforms, and licensing/royalty income from white-label deployments. Key compliance assets include PCI-DSS Level 1 certification for card tokenization, GDPR-compliant operations, and SWIFT connectivity via BIC PPAIESMMXXX for international wire transfers.

Operationally, Paymatico is a small organization (1–10 employees) with no external funding disclosed in source data. Its strategic posture centers on regulated multi-product breadth (over 20 modules covering acceptance, accounts, orchestration, dispute, terminals, and treasury), integration interoperability (200+ connectors, multi-gateway router), and partner-led distribution. Differentiation rests on regulatory authorization, proprietary smart-contract and virtual IBAN reconciliation capabilities, and the ability to offer white-label partners a fully regulated payment stack without requiring them to obtain their own payment institution license.

Paymatico firmographics

Firmographics

Name: Paymatico
Legal name: PAYMATICO PAYMENT INSTITUTION, S.L.
Website: https://paymatico.com
Company type: Private
Founded year: 2013
Operating status: Operating
Headcount range: 1–10 employees
Short description: Paymatico is a Banco de España–authorized Spanish payment institution offering an API-first payment infrastructure platform — including card acceptance, smart accounts, payment orchestration, and white-label solutions — for e-commerce, marketplaces, franchises, and enterprise merchants across Western Europe.
Ownership category
akta.pro rank

Paymatico industry classification

Industry

Product category: Payment Processing
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
SIC: Finance Services (6199)
akta.pro primary industry: Payment Orchestration Platforms (FSAGABAA)

Keywords

Payment processing
Payment orchestration
Payment gateway API
Merchant acquiring
Embedded finance

Where Paymatico is headquartered

Location

Headquarters

HQ city: Madrid
HQ country: Spain
HQ region: Europe

Offices1 record

Markets served

Paymatico business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

Payment Processing Services: Transaction-based fees from processing card payments, online checkouts, POS transactions, and payment links. Revenue accrues per transaction processed through the platform.
Subscription Billing Platform: Recurring subscription fees for automated payment collection management, subscription lifecycle handling, and recurring billing services.
Account Management Services: Fees for account infrastructure services including virtual accounts, multi-party account management, and treasury services.
White Label Solutions: Licensing and infrastructure fees from white-label partners who build and commercialize payment solutions under their own brand.
API and Integration Services: Developer API access, gateway services, and technical integration support for businesses connecting to the payment platform.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Paymatico product offering

Product offering

Core offering

Paymatico is a Spanish payment institution founded in 2013 and authorized and supervised by Banco de España (Entity 6861) that provides a unified, API-first payments platform for businesses. It offers a suite of payment processing, orchestration, reconciliation, and financial tools — including checkout, POS, payouts, pay-ins, tokenization, fraud verification, white-label wallets, marketplace split payments, and billing — designed for online and offline merchants, platforms, and financial operators.

Product overview

Paymatico is a Payment Service Provider (PSP) offering a modular platform-plus-products architecture with three core pillars: Payment Acceptance (Checkout, POS, Paylink, Payout), Smart Accounts (Payin, Concilia, Smart, Evento, Verifica), and Gateway Tools (Connect, Plug&Pay, Token, Router). The ecosystem is managed through integrated platform solutions (Payments, Dispute, Terminal, Accounts, Billing, Dashboard, Cashpooling) and partner programs (Marketplaces, Franchises, Ecommerce, White Label). All functionality is API-driven, enabling developers to build custom financial processes while the company operates under Banco de España authorization as an officially licensed payment institution.

Differentiator

Problem solved

Functional benefit

Brands

Checkout: Online payment checkout solution
POS
Paylink
Payout
PAYIN
Concilia
Smart
Evento
Verifica
Connect
Plug&Pay
Token
Router
Payments
Dispute
Terminal
Accounts
Billing
Dashboard
Cashpooling
Marketplaces
Franquicias
Ecommerce
White Label

Products and services

Checkout Online payment checkout module that lets merchants accept card and alternative payments through a hosted or integrated checkout experience.

Quantifiable outcome

200+ payment method integrations through single Connect platform
+2 more outcomes

Companies that use Paymatico

Customer profile

Segments6 records

Ideal customer profiles2 records

Paymatico technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Integration1 record

Feature12 records

Paymatico partnerships and signals

Strategic signal

Partnerships

Five partnerships are on record, tiered core.

Credorax Bank, LtdcoreTechnology or IntegrationAcquiring services provider for payment card processing. Provides the underlying acquiring infrastructure for transaction authorization and settlement.
Banco de Sabadell, S.A.coreTechnology or IntegrationAcquiring services provider for payment card processing. Provides additional acquiring capacity and transaction settlement services.
Source, Ltd (Shift4)coreTechnology or IntegrationPayment gateway services provider for card transaction processing. Part of Shift4 portfolio providing gateway infrastructure.
Paynopain Solutions, S.L.coreTechnology or IntegrationPayment gateway services provider offering alternative payment method integrations through their platform.
MyChoice2Pay, S.L.coreTechnology or IntegrationPayment gateway services provider enabling alternative payment method acceptance and processing.

Scale indicators4 records

Recent moves3 records

Expansion highlights5 records

Paymatico competitors and assessment

Company assessment

Direct peers

SumUp: European payment service provider combining online checkout, payment links, and POS terminals — overlaps with Paymatico's Checkout, Paylink, and POS products for SMB merchants.
Stripe: Global API-first payment service provider offering payment acceptance, payouts, Connect for marketplaces, and developer-led self-service — directly competes with Paymatico's API-first PSP platform across the same merchant segments.
Mollie: European payment service provider offering checkout, payment links, POS, multi-currency, and marketplace tools for SMBs and platforms — competes with Paymatico for the European SMB and marketplace merchant set.
Adyen: Unified global payment platform providing acquiring, processing, and marketplace payouts through a single API — overlaps with Paymatico's payment orchestration, Connect aggregator, and multi-party account offerings.
Checkout.com: Global PSP with strong European presence offering acquiring, gateway, and optimization tools through APIs — comparable to Paymatico's Router, Connect, and card-processing products.
PPRO: Payment orchestration and local payment method aggregator enabling PSPs and platforms to access 200+ alternative payment methods — directly comparable to Paymatico's Connect aggregator product.
Trustly: European account-to-account payment network and PSP offering bank-based payments, payouts, and merchant services — comparable to Paymatico's payment and payout products in the European market.

Regional players

Redsys: Spanish national payment processor and gateway operated by major Spanish banks — regional incumbent competing in Spanish card processing and gateway services, overlapping with Paymatico's Spanish market focus.

Broad incumbents

Verifone (2Checkout): Global payments and commerce platform offering gateways, POS, and merchant services — broader incumbent with overlapping card processing and POS terminal capabilities to Paymatico's offerings.
Worldline: Large European payment processor and acquirer offering merchant acquiring, gateways, and BaaS — broad incumbent whose acquiring and processing capabilities overlap with Paymatico's regulated PSP stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Paymatico compliance and trust

Trust signal

Compliance3 records

Paymatico financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Paymatico leadership team

Management profile

Number of profiles

Profiles2 records

Paymatico funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Paymatico M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Paymatico

What does Paymatico do?

Is Paymatico a public or private company?

Paymatico is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Paymatico founded?

Paymatico was founded in 2013. It employs 1 to 10 people.

Where is Paymatico based?

Paymatico is headquartered in Madrid, Spain, in the Europe region.

How does Paymatico make money?

Five revenue lines are on record. Payment Processing Services are the primary driver. The others are subscription Billing Platform, account Management Services, white Label Solutions and API and Integration Services.

Who are Paymatico's main competitors?

Direct peers on record are SumUp, Stripe, Mollie, Adyen, Checkout.com, PPRO and Trustly. Redsys is listed as a regional player. Broad incumbents are Verifone (2Checkout) and Worldline.

Does Paymatico have an API?

Yes. Paymatico offers a robust API for both account management and card payment gateway operations. The Account API enables developers to create accounts, send/receive funds, and configure financial processes integrated into their systems. The Gateway API utilizes Paymatico's PCI-compliant environment for card transaction processing. Both APIs support real-time webhooks for operational notifications. The API is designed for flexibility and customization across various payment projects. Developer documentation is at www.paymatico.com/desarrolladores/apireference.html.

What industry is Paymatico in?

Paymatico's product category is Payment Processing. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms. Its NAICS code is 522320 and its SIC code is 6199.