Everifin
Everifin is a Slovakia-based PSD2 open banking platform offering consumer multibanking, merchant QR payments, e-commerce checkout (Paygate), ERP integration (BankConnect), and Peppol e-invoicing across 22 EU countries under a National Bank of Slovakia payment institution license.
- Company typePrivate
- Founded2018
- HeadquartersTrnava
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Everifin does
Everifin (legal entity EVERIFIN s.r.o.) is a Trnava, Slovakia-headquartered FinTech operating as a licensed payment institution supervised by the National Bank of Slovakia. Founded in 2018 and operating with 11–50 employees, the company builds an open banking platform on PSD2 rails that connects to 1,182 European banks across 22 EU countries plus Liechtenstein, Norway, and Iceland, providing an alternative to card-based payments by routing transactions directly through bank accounts.
The company's product portfolio spans consumer and B2B segments. Consumer products include Multibanking (free multi-bank account aggregation), Wallet (free QR-based cardless in-store payments), and e-Invoices (digital invoice management). B2B offerings comprise Paygate (an e-commerce payment gateway claiming 50% lower transaction costs than cards and 10-second settlement), QR Payments and Merchant app (SMB cardless acceptance at €3.99/month after 50 free monthly payments), PSD2 Micro Merchant Payments, BankConnect (ERP integration with configurable 10/20/30-minute transaction sync), and Peppol-compliant e-Faktúry e-invoicing (accredited Access Point for the Slovak mandate effective January 2027).
Everifin operates a hybrid go-to-market combining product-led self-serve mobile app downloads (iOS App Store, Google Play), API-first developer integration for ERP and e-commerce partners, and enterprise field sales for larger B2B contracts. Revenue is generated through a mix of merchant subscriptions, transaction-based Paygate fees, custom-priced BankConnect enterprise contracts, and Peppol e-invoicing subscriptions, while consumer products remain free. The company has received non-dilutive EU funding via Horizon 2020 (grant agreement No. 867834) and the European Regional Development Fund, with named enterprise customers including GANT, Invia, SATUR, EXIsport, Lentiamo, and Motozem.
Everifin firmographics
Firmographics- Name
- Everifin
- Legal name
- EVERIFIN s. r. o.
- Website
- https://everifin.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Everifin is a Slovakia-based PSD2 open banking platform offering consumer multibanking, merchant QR payments, e-commerce checkout (Paygate), ERP integration (BankConnect), and Peppol e-invoicing across 22 EU countries under a National Bank of Slovakia payment institution license.
- Ownership category
- akta.pro rank
Everifin industry classification
Industry- Product category
- Open Banking Payments Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Cross-Border & FX Payments Platforms (BPAMAFAK)
Keywords
Where Everifin is headquartered
LocationHeadquarters
- HQ city
- Trnava
Offices1 record
Markets served
Everifin business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Merchant Transaction Fees: Transaction-based fees charged to merchants for QR code and account-to-account payments. Historical mention of 1% of completed transactions (from 2023 blog post). Current pricing shows €3.99/month for Merchant app with 50 free payments monthly.
- Merchant App Subscription: Monthly subscription fee of €3.99/month for Everifin Merchant app after free tier (50 payments/month free). API pricing is by agreement, indicating enterprise-level contracts.
- Paygate eCommerce Payments: Payment gateway services for e-commerce merchants, featuring real-time payment confirmation and embedded checkout solutions.
- Peppol e-Invoicing Services: E-invoicing through Peppol network with value-added services including format conversion, document archiving (90 days free, extended storage is paid), and real-time delivery status.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Multibanking - Free for consumers |
| Freemium | Monthly | Wallet App - Free for consumers |
| Freemium | Monthly | Merchant App - Free tier |
| Subscription | Monthly | Merchant App - Paid tier |
| Subscription | Annual | BankConnect API - Custom pricing |
| Transaction based/ take rate | Pay-as-you-go | Paygate eCommerce - Transaction-based |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels10 records
Everifin product offering
Product offeringCore offering
Everifin is a PSD2-based open banking fintech offering consumer multibanking (Multibanking app), in-store QR payments (Wallet + Merchant app), an e-commerce account-to-account gateway (Paygate), ERP bank-data integration (BankConnect for 1,182 European banks), and accredited Peppol e-invoicing (e-Faktúry). It operates as a licensed payment institution under the National Bank of Slovakia, delivering cardless, account-to-account payments and financial data aggregation across 22 EU countries.
Product overview
Everifin is an open banking fintech platform built on PSD2 (Payment Service Directive) offering a portfolio of consumer and business payment solutions. The core consumer products include Multibanking (universal account aggregation), e-Invoices (digital invoice management), and Wallet (in-store QR payments). Business offerings include Paygate (e-commerce payment gateway), QR Payments/Merchant (merchant QR code payments), Micro Merchant Payments (affordable small merchant solution), Retail Payments (in-store business payments), and BankConnect (ERP integration). The company also provides Peppol e-Invoicing for mandatory Slovak B2B e-factoring. The platform serves both consumers and B2B segments across 22 EU countries with 90% bank market coverage.
Differentiator
Problem solved
Functional benefit
Brands
- Everifin Merchant: QR code payment app for merchants allowing cardless payments without POS terminal
- Everifin Wallet
- Everifin Multibanking
- Everifin Paygate
- BankConnect
Products and services
- Multibanking Universal internet banking mobile app that aggregates personal and business accounts from various EU banks into one interface for consumers; enables overview of all accounts, transfers, e-invoice payment, money requests, and QR-code payments from multiple banks on all devices.
- e-Invoices (Consumer) Digital invoice management solution enabling consumers, freelancers, and small businesses to issue, receive, track, and pay invoices electronically, integrated with multibanking for streamlined invoice-to-payment workflow.
- Everifin Wallet Consumer-facing mobile app for in-store QR-code payments using bank accounts, providing cardless payments, e-receipts, and instant payment confirmation across the EU with 90% market coverage (EU plus Liechtenstein, Norway, Iceland).
- Everifin Merchant (QR Payments) QR-code-based merchant payment solution that lets retail merchants accept cashless PSD2 payments without POS terminals via camera scanning, the Everifin Wallet app, or banking apps; includes a Merchant app with product catalog and transaction tracking.
- Paygate (PSD2 eShop Payments) Account-to-account online payment gateway for e-commerce built on PSD2 open banking, with embedded checkout, email pay-by-link, and 50% lower transaction costs than cards; payments credited in 10 seconds across 22 EU countries.
- PSD2 Micro Merchant Payments Affordable cardless payment solution tailored for micro merchants requiring no POS terminal, using account-to-account payments via QR codes with an included merchant app supporting product catalog creation.
- BankConnect ERP integration solution providing fully automated transaction import from 1,182 European banks directly into accounting/ERP systems, with configurable synchronization frequency (10, 20, or 30 minutes); available to freelancers and corporations under custom enterprise pricing.
- e-Faktúry (Peppol e-Invoicing) Accredited Peppol Access Point service for B2B e-invoicing under Slovak VAT law, supporting Peppol BIS 3.0 (EN 16931) with automatic conversion from ISDOC, X-Rechnung, Factur-X, UBL 2.1, and custom XML; includes invoice archiving and REST API integration with sandbox at peppol.stage.everifin.com.
- PSD2 Retail Payments In-store account-to-account payment solution for retailers using PSD2 open banking, providing faster, cheaper, and more secure payments with e-receipts.
Quantifiable outcome
- 50% lower transaction costs compared to card payments
- +5 more outcomes
Companies that use Everifin
Customer profileNamed customers11 records
Segments7 records
Ideal customer profiles5 records
Everifin technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature6 records
Everifin partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- ERP System Integrators (eso9, Qi, jezek, oberon, creative sites, wpj)coreBankConnect ERP integration partnerships with multiple accounting and business management software providers in Central Europe (Czech Republic/Slovakia market). Enables automated bank transaction import for users of these systems.
- Slovak Financial Administration (Finančná správa SR)coreEverifin is an accredited Peppol Access Point certified by the Slovak Financial Administration. This enables legal e-invoice delivery compliant with Slovak VAT law requirements.
- European Banks (1,182 connected)coreOpen banking integration partnerships with 1,182 European banks enabling PSD2-based account information and payment initiation services. Coverage spans 22 EU countries plus Lichtenstein, Norway, and Iceland.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Everifin competitors and assessment
Company assessmentDirect peers
- Trustly: Trustly is one of Europe's leading account-to-account payment networks operating on PSD2 rails, offering merchants and consumers instant bank payments online. It is the most direct functional peer to Everifin's Paygate and Wallet products.
- Tink: Tink (owned by Visa) provides PSD2-based account aggregation, payment initiation, and connectivity to thousands of European banks. Its multibanking and PIS capabilities closely mirror Everifin's Multibanking and BankConnect products.
Broad incumbents
- Plaid: Plaid is a global open-banking and account-aggregation platform used by fintechs and banks. While US-centric, it overlaps with Everifin's multibanking and BankConnect aggregation functionality and represents the broader category leader.
- Klarna: Klarna's Pay Now product offers A2A instant bank payments at European merchants alongside its BNPL portfolio. It is a broad incumbent whose payment-acceptance business overlaps with Everifin's Paygate offering.
- Mollie: Mollie is a European payment service provider offering online checkout and multi-method acceptance to SMBs and platforms. Its integrated PSP offering overlaps with Everifin's Paygate eCommerce payment gateway value proposition.
- Worldline: Worldline is a large European payment processor offering merchant acquiring, digital payments, and financial services to enterprises. It represents a broad incumbent peer across the merchant acceptance and PSP categories in which Everifin operates.
Regional players
- iDEAL: iDEAL is the Netherlands' dominant A2A online payment scheme and a comparable peer model for country-level bank-to-bank checkout. Useful as a regional analog to Everifin's PSD2 A2A merchant acceptance across EU markets.
Emerging players
- SumUp: SumUp provides affordable card and contactless payment acceptance (including SoftPOS) to micro merchants across Europe. It is an emerging player addressing the same low-cost merchant acceptance pain point as Everifin's QR Payments and Micro Merchant solutions.
- Token.io: Token.io offers open-banking payment initiation and account-to-account payment infrastructure to banks and merchants across Europe. It is an emerging PSD2-native peer pursuing the same A2A checkout opportunity as Everifin's Paygate.
- Volt: Volt provides open-banking real-time A2A payment solutions for merchants and banks across multiple geographies. Comparable to Everifin's Paygate in enabling account-to-account payments and instant settlement.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Everifin social profiles
Digital presenceEverifin compliance and trust
Trust signalCompliance3 records
Everifin financial estimates
Financial estimateRevenue estimate
Valuation estimate
Everifin leadership team
Management profileNumber of profiles
Everifin funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Everifin 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 Everifin
What does Everifin do?
Everifin is a PSD2-based open banking fintech offering consumer multibanking (Multibanking app), in-store QR payments (Wallet + Merchant app), an e-commerce account-to-account gateway (Paygate), ERP bank-data integration (BankConnect for 1,182 European banks), and accredited Peppol e-invoicing (e-Faktúry). It operates as a licensed payment institution under the National Bank of Slovakia, delivering cardless, account-to-account payments and financial data aggregation across 22 EU countries.
Is Everifin a public or private company?
Everifin is a private company. It is classified as unknown and is currently operating.
When was Everifin founded?
Everifin was founded in 2018. It employs 11 to 50 people.
Where is Everifin based?
Everifin is headquartered in Trnava.
How does Everifin make money?
Four revenue lines are on record. Merchant Transaction Fees are the primary driver. The others are merchant App Subscription, paygate eCommerce Payments and peppol e-Invoicing Services.
Who are Everifin's main competitors?
Direct peers on record are Trustly and Tink. Broad incumbents are Plaid, Klarna, Mollie and Worldline. iDEAL is listed as a regional player. Emerging players are SumUp, Token.io and Volt.
Does Everifin have an API?
Yes. REST API for e-invoicing via Peppol network - supports sending and receiving UBL documents, real-time delivery status, partner verification in Peppol network, format validation before sending, and automatic conversion to Peppol BIS 3.0 (EN 16931) from formats including ISDOC, X-Rechnung, Factur-X, UBL 2.1, and custom XML. Sandbox/test environment available at peppol.stage.everifin.com/docs#/ connected to Peppol test network with AS4 protocol. Developer documentation is at peppol.stage.everifin.com/docs#.
What industry is Everifin in?
Everifin's product category is Open Banking Payments Platform. Its primary akta.pro industry code is FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions, with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 522320 and its SIC code is 6021.