What Nexi Payments does

Nexi Payments SpA is the Italian operating subsidiary of Nexi Group and provides digital payment infrastructure connecting banks, merchants, and consumers across more than 25 European countries. The company's product portfolio is organized into four pillars: physical acceptance (the SmartPOS family of terminals plus SoftPOS and Mobile POS software-based acceptance), cash register systems (Smart Cassa Classic, Smart Commerce Classic, SmartPOS Cassa+), e-commerce (the XPay gateway with Easy, Pro, Hotel, and Link variants, plus the XShop store builder), and card programs (consumer and corporate cards under the Nexi brand, with the iosì loyalty program). Acceptance supports more than 30 payment methods including Visa, Mastercard, Apple Pay, Google Pay, Samsung Pay, PayPal, Amazon Pay, Klarna BNPL, Satispay, Bancomat Pay, Alipay, and WeChat Pay, and the XPay gateway is integrated natively with Shopify, WordPress, PrestaShop, Magento, BigCommerce, Opencart, Salesforce Commerce Cloud, SAP Commerce Cloud, Storeden, and Ecwid via official plugins and a documented REST API with JavaScript SDK.

Nexi monetizes through a mix of transaction-based processing fees, recurring subscriptions on POS terminals (for example SmartPOS Cassa+ at €49/month with zero installation, or €0/month entry tiers such as XPay Easy, SmartPOS Mini, and Mobile POS), and managed card-issuing and processing services delivered to approximately 250 partner banks and corporate clients. Go-to-market is hybrid: a direct field sales force serves enterprise retailers, large hospitality groups, banks, and public-sector entities, while SMB merchants are acquired product-led through nexi.it/shop self-serve activation and app stores; vertical-specific partner channels (notably PMS and booking-engine integrations for XPay Hotel) extend distribution. The company is the #1 player in Italy in acquiring by merchant count, acquiring by transaction value, and issuing by cards managed, serving roughly 3 million merchants, managing around 140 million cards, and operating from a Milan headquarters with approximately 9,600 payment experts across the Group.

The strategic posture is that of an incumbent extending product surface and geographic reach on top of a mature domestic base. Recent moves include cross-border expansion via a 2026 SEPA Direct Debit agreement with Danish Banks, vertical product launches such as XPay Hotel (with a 2,000+ property customer base), and moves into EV-charging, Third Sector, and broader Italian Public Administration segments. Compliance footprint includes PCI DSS, GDPR, WCAG 2.1, and PSD2/ PagoPA integration, while no proprietary AI/ML capabilities are disclosed in the available data.

Name

Nexi Payments

Legal name

Nexi Payments SpA

Website

https://nexi.it

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Nexi Payments SpA is the Italian operating subsidiary of Nexi Group, providing digital payment infrastructure — POS terminals, the XPay e-commerce gateway, and card issuing — to roughly 3 million merchants, 140 million cards, and 250 banks across 25+ European countries.

Ownership category

akta.pro rank

Product category

Payment Processing Infrastructure

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Travel Payments & Virtual Cards for Corporate Travel (THALAMAJ)

Keywords

• Payment processing infrastructure
• POS terminal solutions
• E-commerce payment gateway
• Card issuing services
• Merchant acquiring

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing & Transaction Fees: Fees charged to merchants for processing card payments through POS terminals and e-commerce gateway. Revenue based on transaction volume and value.
2. POS Terminal Subscription: Monthly recurring fees for SmartPOS devices with tiered pricing (e.g., SmartPOS Cassa+ at 49€/month). Includes installation and service fees.
3. E-commerce Gateway Subscription: Subscription fees for XPay e-commerce solutions (XPay Easy from 0€/month, XPay Pro) with varying feature tiers.
4. Card Issuing Services for Banks: Card management, processing, and issuing services provided to ~250 banks and corporate clients across Europe.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Nexi Payments operates a digital payments ecosystem serving merchants, banks, and public administration across Europe. Its portfolio includes physical POS terminals (SmartPOS family and SoftPOS), an online e-commerce payment gateway (XPay with Easy, Pro, Link, and Hotel variants), card issuing and processing services for ~250 partner banks managing ~140 million cards, and consumer/business card programs. It processes transactions across 30+ payment methods including cards, mobile wallets (Apple Pay, Google Pay, Samsung Pay), and alternative methods.

Product overview

Nexi Payments operates a comprehensive digital payments ecosystem combining physical POS terminals and cash registers with online e-commerce solutions and card payment programs. The core product portfolio includes: (1) POS Terminals: SmartPOS family (SmartPOS, SmartPOS Mini, SmartPOS Mini con stampante, SmartPOS Cordless+) and SoftPOS/Mobile POS for mobile acceptance; (2) Cash Register Systems: Smart Cassa Classic and SmartPOS Cassa + combining payment and cash register functions; (3) E-commerce: XPay gateway with variants XPay Easy (free tier), XPay Pro (professional), XPay Hotel (hospitality), XPay Link (pay-by-link), plus XShop website builder; (4) Card Programs: Carte personali (consumer) and Carte aziendali (corporate) cards with iosi rewards program; (5) Value-added Services: Nexi Business merchant portal, Buy Now Pay Later, Pay-by-Link, Smart Converter (DCC), Nexi Club loyalty, and Pagamenti Online PA. The company supports mobile payments via Apple Pay, Google Pay, and Samsung Pay, and processes over 30 payment methods including international circuits and alternative payment methods. Nexi serves approximately 3 million merchants, manages ~140 million cards, and supports ~250 banks across 25+ countries.

Differentiator

Problem solved

Functional benefit

Brands

• XPay: E-commerce payment gateway solution for online merchants, including XPay Easy, XPay Pro, and XPay Hotel variants.
• XShop
• Nexi Business
• Nexi Pay
• iosi
• SmartPOS
• SmartPOS Mini
• SoftPOS
• Mobile POS
• Nexi Club

Products and services

• SmartPOS Advanced POS terminal with intuitive interface and built-in business services supporting all payment methods including contactless, cards, and mobile payments for merchants.
• SmartPOS Mini Portable POS terminal at zero monthly fee for merchants requiring mobility within their premises.
• SmartPOS Mini con stampante Portable POS terminal with integrated printer combining mobility with receipt printing capability.
• SmartPOS Cordless + Fully wireless POS terminal enabling complete mobility within the store environment.
• SoftPOS Software-based POS solution that turns a merchant's smartphone into a payment terminal for contactless card and mobile payments without dedicated hardware.
• Mobile POS Mobile payment solution at zero monthly fee for merchants who need to accept payments on the go.
• Smart Cassa Classic Combined cash register and digital payment terminal in a single device integrating traditional cash register functionality with payment processing.
• Smart Commerce Classic Management system combining cash register and digital payment capabilities for comprehensive business management.
• SmartPOS Cassa + POS terminal combined with cash register functionality offered at promotional price of 49 EUR/month with zero installation.
• XPay Complete online payment gateway enabling merchants to accept payments on their website, app, management systems, and social media pages, supporting 30+ payment methods.
• XPay Easy Entry-level e-commerce payment solution at 0 EUR/month permanently providing basic payment acceptance for small online merchants.
• XPay Pro Professional e-commerce payment solution with full feature set including advanced payment management, recurring payments, and integration capabilities.
• XPay Link Pay-by-link payment solution enabling merchants to send payment links via SMS, email, chat, or social media for card-not-present transactions.
• XPay Hotel Specialized payment solution for hotels and accommodation providers with guaranteed booking, no-show protection, dispute management, and PMS/channel manager integrations.
• XShop E-commerce website builder allowing merchants to create their own online store with integrated payment processing.
• Carte aziendali Business credit and debit cards for corporate clients including spending controls, multi-user management, and expense reporting capabilities.
• Carte personali Personal credit and debit cards for individual consumers including mobile payment integration (Apple Pay, Google Pay, Samsung Pay) and insurance protections.
• Pagamenti Online PA Digital payment service for Italian Public Administration enabling citizens to pay PA notices and bills online via the PagoPA system.
• Incasso senza pensieri Ristoranti Guaranteed payment service for restaurants protecting against no-shows and late cancellations by collecting booking deposits via payment links.

Quantifiable outcome

• 2,000+ hotels using XPay Hotel have never lost a dispute
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core.

• Danish BankscoreStrategic or Co-development Partner · 27 March 2026Expansion of existing agreement to deliver SEPA Direct Debit services to Danish bank customers, enabling cross-border payment capabilities within the Single Euro Payments Area.
• Property Management System (PMS) PartnerscoreTechnology or IntegrationIntegration partnerships with booking engines, channel managers and PMS software providers to enable seamless XPay Hotel activation without additional development for merchants using integrated platforms.
• ApplecoreTechnology or IntegrationApple Pay integration allowing Nexi cardholders to make contactless payments using Apple devices at contactless terminals.
• GooglecoreTechnology or IntegrationGoogle Pay integration enabling Nexi card payments via Android smartphones at contactless POS terminals.
• SamsungcoreTechnology or IntegrationSamsung Pay integration supporting NFC payments with Nexi cards on compatible Samsung Galaxy devices.
• VisacoreTechnology or IntegrationPayment network partnership for card processing, automatically activated with XPay and supporting international transactions.
• MastercardcoreTechnology or IntegrationPayment network partnership for card processing including Maestro debit cards, automatically activated with XPay.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Others

• SIA (part of Nexi Group): Italian payment infrastructure and processing provider now operating within the broader Nexi Group; comparable in technology stack to Nexi Payments but serving financial institution back-end infrastructure.

Direct peers

• Stripe: Direct competitor in online payment processing, particularly through Stripe's expansion into Italian SMB and enterprise merchants via XPay-equivalent gateway and developer tooling.
• Worldline: Largest European payment processor and acquirer with overlapping merchant acquiring, POS terminal, and card issuing businesses. Most direct head-to-head competitor for Nexi across multiple European markets.
• Adyen: Global integrated payment processor competing for the same enterprise and digital-first merchants Nexi serves. Overlap in card processing, gateway, and unified commerce offerings.
• SumUp: European SMB-focused payment processor and POS provider targeting the same bar, restaurant, retail and small merchant segments Nexi serves in Italy and across Europe.
• Verifone: Global POS terminal manufacturer and payment solutions provider competing directly with Nexi's SmartPOS hardware portfolio and merchant services.

Broad incumbents

• Visa: Global card network whose scheme Nexi rides for processing economics; broader payments portfolio overlaps with Nexi's issuing and processing services at the infrastructure layer.
• Mastercard: Global card network partner whose scheme underpins a large share of Nexi-processed volume; comparable through card-program and processing services that overlap with Nexi's issuing business.

Emerging players

• Klarna: BNPL provider whose product is integrated into Nexi's XPay gateway; competes as an alternative payment method at checkout and represents both a partner and a potential disintermediation risk.

Regional players

• Pagopa: Italian public-sector payments platform enabling PagoPA transactions; adjacent rather than directly competitive, since Nexi integrates with rather than replaces PagoPA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/nexipayments
• Facebookfacebook.com/nexi
• LinkedInlinkedin.com/company/nexipayments

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Nexi Payments