What CURO Payments does

CURO Payments B.V. is a Netherlands-based Collecting Payment Service Provider (CPSP) regulated by De Nederlandsche Bank (Dutch Central Bank), founded in 2012 and headquartered in Oss. The company processes online payments between consumers and merchants, supporting 15+ payment methods including iDEAL, Bancontact, Sofort, Giropay, credit cards, PayPal, Klarna/AfterPay BNPL solutions, SEPA Direct Debit, Billink, Bitcoin, Paysafecard, and country-specific methods such as Przelewy24 and Dankort. Its core platform includes PCI-DSS compliant secure payment infrastructure, a merchant back-office portal for transaction monitoring, refund processing, and customizable reporting, and Cross-Border-Service-Passports covering 23 EU/EEA countries.

The company operates a two-track go-to-market: direct merchant sales via telephone consultation and quote-based pricing tied to monthly transaction volume, complemented by a B2B Partner Program that enables technical integrators and webshop plugin developers (Magento, WooCommerce, Shopify) to resell CURO's regulated payment services to their own customers. Revenue is generated through transaction fees, with rates negotiated based on monthly volume and no purchase obligations. CURO positions itself as handling regulatory compliance and administrative complexity so partners and merchants can focus on their core commerce operations, rather than competing on advanced financial products or value-added services.

The firm employs 11–50 people and is privately held with no disclosed institutional investors, funding rounds, or M&A activity. Leadership includes co-founder and CTO Luc Huygen and CISO Martin Schipper. The business model is structurally dependent on maintaining its CPSP license and EU passports as the primary regulatory moat, with distribution leverage coming from channel partners rather than direct enterprise sales motion.

Name

CURO Payments

Legal name

CURO Payments B.V.

Website

https://curopayments.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

CURO Payments is a Dutch-regulated Collecting Payment Service Provider that processes online payments for merchants across 23 EU/EEA countries via a partner-led distribution model and PCI-compliant infrastructure supporting 15+ payment methods.

Ownership category

akta.pro rank

Headquarters

HQ city

Maaskant

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: CURO Payments charges merchants for facilitating financial transactions between consumers and online sellers. Revenue is generated based on transaction volume, with competitive rates offered depending on the quantity of transactions per month.
2. Payment Collection Services: As a Collecting Payment Service Provider (CPSP), CURO Payments collects payments from consumers on behalf of merchants and transfers funds securely, earning fees for this service.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

CURO Payments operates as a licensed Collecting Payment Service Provider (CPSP), facilitating secure online financial transactions between consumers and merchants. The platform processes online consumer payments, collects funds on behalf of merchants, and transfers them securely while supporting 15+ payment methods across 23 EU/EEA countries. Additionally, the company offers a B2B Partner Program enabling technical and marketing organizations to resell its payment services without bearing regulatory burden.

Product overview

CURO Payments operates as a Collecting Payment Service Provider (CPSP) offering a unified payment processing platform for online transactions. The core offering centers on the CPSP Platform, which handles secure payment collection, processing, and merchant disbursement for e-commerce transactions across Europe. The Merchant Back-Office Portal provides transaction management, analytics, and refund capabilities. Consumer-facing payment processing supports 15+ payment methods including iDEAL, Bancontact, credit cards, PayPal, Klarna, and SEPA Direct Debit. The B2B Partner Program enables resellers and technical partners to offer these services under their own brand. The platform is regulated by De Nederlandsche Bank and holds Cross-Border-Service-Passports covering 23 EU/EEA countries, allowing merchants to accept payments across borders without requiring separate local licenses.

Differentiator

Problem solved

Functional benefit

Products and services

• Collecting Payment Service Provider (CPSP) Platform Core payment processing platform operating as a Collecting Payment Service Provider that processes online payments, handles collections from consumers, and transfers funds to merchants. Regulated by the Dutch Central Bank (DNB) and PCI-compliant. For online merchants, webshops, airlines, ticketing platforms and other e-commerce service providers.
• B2B Partner Program Partnership and reseller program allowing technical specialists, marketing firms and webshop plugin developers to offer CURO Payments' services to merchants across 23 EU/EEA countries. The partner handles the customer relationship while CURO Payments assumes regulatory and administrative responsibilities.
• Cross-Border Payment Services Cross-border payment processing service enabling merchants to accept online consumer payments in 23 EU/EEA countries including Austria, Belgium, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Spain, Sweden and United Kingdom, leveraging CURO Payments' regulatory licenses.
• Merchant Back-Office Portal Web-based merchant dashboard providing access to transaction quantities, payment method analysis, website-specific data, refund processing, customizable statement generation with graphs and figures, and email notifications. Supports 24×7 service availability.

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Telecom and Online Payment Integration PartnerscoreTechnology or IntegrationPartners specialized in telecom and online payment integrations through CURO Payments, primarily serving online service providers. These partners leverage CURO Payments' regulatory license to offer payment services to their customers without independently meeting the complex operational and administrative requirements of a regulated payment institution.
• Webshop Plugin PartnerscoreTechnology or IntegrationPartners specialized in plugins for nearly all known webshop systems and highly specialized in customization. These technical partners integrate CURO Payments' payment infrastructure into various e-commerce platforms, enabling merchants to easily add payment processing capabilities to their online stores.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Mollie: Mollie is a Dutch PSP offering multi-method online payment processing for European merchants and partners — closest direct competitor to CURO with overlapping geography, target segment (SMB/webshop), and partner-led distribution model.
• MultiSafepay: MultiSafepay is another Dutch PSP offering online payment processing, local European payment methods, and webshop plugin integrations — directly comparable on geography, customer base, and product surface to CURO.
• Pay.nl: Pay.nl is a Dutch payment processor targeting webshops and online merchants with multi-method checkout and plugin integrations — directly comparable to CURO on customer segment, geography, and partner-led distribution.
• Buckaroo: Buckaroo is a Dutch PSP serving online and offline merchants with payment processing, recurring billing, and partner integrations — comparable to CURO in target market, regulatory regime (DNB), and product breadth.

Broad incumbents

• Stripe: Stripe is a global integrated payment processor serving online merchants across Europe with developer-first APIs and broad payment method coverage — operates in CURO's exact competitive set but at vastly greater scale and product breadth.
• Adyen: Adyen is a global unified commerce payment processor with deep European coverage and enterprise merchant focus — competes for the same merchants as CURO but serves enterprise and large-mid-market segments where CURO cannot currently compete.
• Worldline: Worldline is a major European payment processor offering merchant acquiring, online payments, and financial services across the EU — competes in the same regulatory regime and merchant segments as CURO but at enterprise scale.
• Nexi: Nexi is a large European payments provider offering merchant acquiring, e-commerce, and digital banking services — operates in the same EU regulatory environment and merchant category as CURO but at significantly larger scale.

Emerging players

• Klarna: Klarna is a European BNPL provider that CURO integrates as a payment method; comparability arises from overlapping merchant base and European footprint, though Klarna operates primarily as a consumer credit product rather than a general PSP.

Regional players

• Payoneer: Payoneer is a cross-border payment platform with strong European merchant and marketplace payment services — comparable to CURO in cross-border e-commerce enablement but primarily serves marketplaces and SMB cross-border rather than direct webshops.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/curopayments

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 CURO Payments