Dateio
Dateio operates a European payment data ecosystem serving 50+ banks and fintechs with two products: the Dateio Platform for card-linked marketing campaigns and Tapix, a transaction enrichment API that processes data for 73 million+ customers across 80+ markets.
- Company typePrivate
- Founded2013
- HeadquartersSmichov, Czechia
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Dateio does
Dateio s.r.o. is a Prague-headquartered payment data platform founded in 2013 by Ondrej Knot and Ivan Dovica, operating two complementary product lines. The legacy Dateio Platform is a card-linked marketing system that enables banks to run data-driven cashback, discount, and personalized offer campaigns to acquire and retain customers, while connecting 600+ major European retailers to those banking customers. Tapix by Dateio is a transaction data enrichment API that takes raw banking transactions and enriches them with merchant names, categories, logos, and locations, enabling mobile banking apps and fintechs to deliver superior transaction history UX and behavioral spending analytics.
The underlying technology is a proprietary transaction enrichment engine with claimed 99.99% data accuracy (fewer than 1 complaint per 6 million transactions), processing data for 73+ million customers daily across 80+ markets. The platform is deployed on AWS, holds ISO 27001 certification, and is GDPR and OAuth 2.0 compliant. Customers integrate either via enterprise sales for the Dateio Platform or via self-serve API access for Tapix.
Dateio generates revenue primarily through subscription and enterprise licensing fees from banks and fintechs using both products, complemented by usage-based pricing on the Tapix API. Pricing is quote-based and not publicly disclosed. The customer base of 50+ global banks and fintechs includes Erste, KBC, Raiffeisen, Societe Generale, UniCredit, National Bank of Greece, bunq, Tatra banka, Swisscard, and Reflect by Arab Bank. The company is privately held, founder-controlled, and last disclosed an institutional funding round in 2015 from J&T Ventures.
Dateio firmographics
Firmographics- Name
- Dateio
- Legal name
- Dateio s.r.o.
- Website
- https://dateio.eu
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Dateio operates a European payment data ecosystem serving 50+ banks and fintechs with two products: the Dateio Platform for card-linked marketing campaigns and Tapix, a transaction enrichment API that processes data for 73 million+ customers across 80+ markets.
- Ownership category
- akta.pro rank
Dateio industry classification
Industry- Product category
- Transaction Data Enrichment and Card-Linked Marketing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)
Keywords
Where Dateio is headquartered
LocationHeadquarters
- HQ city
- Smichov
- HQ country
- Czechia
- HQ region
- Europe
Offices8 records
Markets served
Dateio business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Transaction Data Enrichment API (Tapix): API access and usage-based pricing for transaction enrichment services provided to banks and fintechs. Customers integrate Tapix into their mobile banking apps to receive enriched transaction data with merchant intelligence.
- Card-Linked Marketing Platform: Platform licensing and service fees for banks to run card-linked marketing campaigns featuring cashback rewards and personalized offers. Revenue derived from enabling banks to acquire customers, increase spending, and reduce churn through data-driven rewards.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Dateio product offering
Product offeringCore offering
Dateio operates a payment data ecosystem with two main offerings. The Dateio Platform is a card-linked marketing platform that enables banks and fintechs to acquire new customers, increase customer spending, and reduce churn through data-driven cashback rewards and personalized offers delivered via mobile banking apps. Tapix by Dateio is a transaction data enrichment API that enriches raw banking transactions with merchant names, logos, categories, locations, and behavioral spending insights to power mobile banking UX, financial analytics, and personalized finance use cases.
Product overview
Dateio operates as a payment data ecosystem with two main products: Dateio Platform (card-linked marketing for banks and retailers) and Tapix by Dateio (transaction data enrichment API). The ecosystem processes 73+ million customer transactions daily across 80+ markets, providing data-driven solutions for customer acquisition, retention, and financial insights.
Differentiator
Problem solved
Functional benefit
Brands
- Dateio Platform: Card-linked marketing platform enabling banks and fintechs to acquire new customers, increase customer spending, and strengthen customer retention through data-driven cashback rewards.
- Tapix
Products and services
- Dateio Platform Card-linked marketing platform that enables banks, fintechs, and retailers to acquire new customers, increase customer spending, and strengthen retention through data-driven cashback rewards and personalized promotions delivered via mobile banking apps.
- Tapix by Dateio Transaction data enrichment API that empowers financial applications with clear transaction history, increases app engagement, provides behavioral pattern insights from payment data, and turns UX into a competitive advantage for banks and fintechs.
Quantifiable outcome
- 99.99% data accuracy (fewer than 1 complaint per 6,000,000 transactions)
- +2 more outcomes
Companies that use Dateio
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Dateio technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature4 records
Dateio partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- AWScoreAmazon Web Services is used for data storage and processing, providing the cloud infrastructure foundation for Dateio's transaction enrichment and card-linked marketing platform operations.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Dateio competitors and assessment
Company assessmentDirect peers
- Cardlytics: US-listed card-linked marketing platform that powers bank-funded cashback offers based on card transaction data. Cardlytics is the closest direct comparable to Dateio's card-linked marketing product, operating with many of the same Tier 1 bank partners.
- Salt Edge: Open Banking and transaction data enrichment API provider with strong European footprint, similar to Dateio's Tapix product. Salt Edge competes directly on bank account data aggregation, categorization, and merchant intelligence APIs.
- Bud Financial: UK-based transaction enrichment and banking data platform serving banks and fintechs with categorized transaction data and AI-driven insights — directly comparable to Tapix by Dateio in product offering and customer profile.
- TrueLayer: European Open Banking API platform offering account aggregation, payment initiation, and transaction data services to banks and fintechs. Competes with Tapix for the same customer base and API-first developer workflow.
- Yapily: European Open Banking API provider enabling bank connectivity, transaction data, and payment initiation. Yapily is a direct competitor to Tapix for European bank data enrichment use cases.
- MX Technologies: US-based transaction data enhancement and financial-data platform serving banks, credit unions, and fintechs with aggregation, categorization, and analytics. Closely comparable to Dateio's combination of enrichment API and bank-engagement use cases.
- Bankin': European personal finance management app and transaction data enrichment platform with millions of European users. Bankin' overlaps with Dateio in transaction enrichment, merchant categorization, and bank partnership models.
Broad incumbents
- Plaid: Dominant global account-aggregation and transaction data infrastructure layer serving thousands of fintechs. While broader in scope than Dateio, Plaid competes on transaction categorization and merchant data enrichment for many of the same European fintech customers.
- Tink (Visa): European Open Banking platform acquired by Visa, offering account aggregation, transaction enrichment, and payment initiation. Tink is a broad incumbent competing for the same European bank data infrastructure mandates as Dateio.
- Ekata (Mastercard): Mastercard-owned identity verification and transaction data analytics provider. Ekata is adjacent to Dateio's transaction intelligence capabilities and represents the type of incumbent that could expand into Dateio's space via M&A or build.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Dateio social profiles
Digital presenceDateio compliance and trust
Trust signalCompliance2 records
Dateio financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dateio leadership team
Management profileNumber of profiles
Profiles2 records
Dateio funding detail
Funding detailFunding overview
Funding rounds6 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dateio 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 Dateio
What does Dateio do?
Dateio operates a payment data ecosystem with two main offerings. The Dateio Platform is a card-linked marketing platform that enables banks and fintechs to acquire new customers, increase customer spending, and reduce churn through data-driven cashback rewards and personalized offers delivered via mobile banking apps. Tapix by Dateio is a transaction data enrichment API that enriches raw banking transactions with merchant names, logos, categories, locations, and behavioral spending insights to power mobile banking UX, financial analytics, and personalized finance use cases.
Is Dateio a public or private company?
Dateio is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Dateio founded?
Dateio was founded in 2013. It employs 51 to 100 people.
Where is Dateio based?
Dateio is headquartered in Smichov, Czechia, in the Europe region.
How does Dateio make money?
Two revenue lines are on record. Transaction Data Enrichment API (Tapix) is the primary driver. The others are card-Linked Marketing Platform.
Who are Dateio's main competitors?
Direct peers on record are Cardlytics, Salt Edge, Bud Financial, TrueLayer, Yapily, MX Technologies and Bankin'. Broad incumbents are Plaid, Tink (Visa) and Ekata (Mastercard).
Does Dateio have an API?
Yes. Tapix is a transaction data enrichment API that provides clear transaction history, increases app engagement, and turns UX into a competitive advantage. It offers behavioral pattern insights from payment data and enables analytics use cases. Sandbox and full documentation is freely accessible on the website. Developer documentation is at www.tapix.io.
What industry is Dateio in?
Dateio's product category is Transaction Data Enrichment and Card-Linked Marketing. Its primary akta.pro industry code is FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 522320 and its SIC code is 6199.