N&TS Group

What N&TS Group does

N&TS GROUP (legal name: Networks & Transactional Systems Group S.p.A.) is an Italian B2B enterprise software vendor founded in 1995 and headquartered in Assago (Milan). The company develops and maintains payment-processing software for Financial Institutions, Insurance companies, and large Enterprises across nine verticals — Retail, Luxury, Telco & Media, Transport & Smart Mobility, Travel & Tourism, Petrol, and Utility. Its core technology stack comprises an EMVCo 3D Secure 2.3.1 certified server, a Visa-certified ACS, certified 3DS SDKs for Android and iOS, a Bancomat-homologated Terminal Manager, a card management platform, fraud prevention modules, and omnichannel orchestration, delivered via SaaS or Hosting deployment.

The company monetises through software licensing, development, maintenance, and assistance services delivered under subscription/recurring terms (SaaS and Hosting modalities), with quote-based enterprise pricing. Go-to-market is direct enterprise field sales targeting large organisations, supported by industry events (Salone dei Pagamenti, Netcomm Forum), technology integration partnerships with payment networks (Visa, Bancomat, Alipay+), and a strategic 20% minority investment by PostePay signed in March 2024. N&TS GROUP maintains one of the most comprehensive certification portfolios in the Italian payment software market — PCI DSS, PCI 3DS Core, PCI PA DSS, PCI P2PE, PCI SSF, PCI PIN 3.1, ISO 9001, ISO 22301, ISO 27001, ISO 27017, and ISO 27018 — providing regulatory-grade credibility with banks, insurers, and large enterprise buyers. Leadership comprises CEO Elena Cossio and Direttore Generale Enrico Febelli.

Name

N&TS Group

Legal name

Networks & Transactional Systems Group S.p.A.

Website

https://netswgroup.it

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

N&TS GROUP is an Italian B2B enterprise software vendor (founded 1995, Milan) that builds certified digital payment processing platforms — including 3DS Server, ACS, card management, fraud prevention, and omnichannel solutions — for Financial Institutions, insurers, and large Enterprises across retail, telco, transport, travel, petrol, and utility verticals.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Software Publishers (513210), Custom Computer Programming Services (541511)

akta.pro primary industry

Payment Gateways & Orchestration (BPAMAFAA)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Card Issuing & Program Management Platforms (BPAMAFAH), Processor Back-End & Switch Providers (Issuer/Acquirer Processing Infrastructure) (FSAMABAJ)

Keywords

• Payment processing software
• 3D Secure authentication
• Card management solutions
• Fraud prevention systems
• Omnichannel payment platforms

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing & SaaS Services: N&TS GROUP generates revenue through software licensing, development, maintenance, and assistance services for electronic payment/acquisition applications delivered in SaaS or Hosting modalities, as certified under ISO 9001. The company provides modular, flexible solutions with innovative technology and time-to-market advantages.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

N&TS GROUP designs, develops, and operates software solutions for electronic payment processing, offered in SaaS and Hosting deployment modes. Its portfolio spans in-store, online, and omnichannel payment acceptance, 3D Secure authentication, fraud prevention, card lifecycle management, and POS terminal management for financial institutions and enterprise merchants. The company sells modular, certified, PCI- and ISO-compliant payment platforms primarily to banks, insurers, and large organizations in Italy.

Product overview

N&TS GROUP offers a modular, flexible payment solutions platform serving enterprise clients across Finance, Insurance, Retail, Luxury, Telco & Media, Transport & Smart Mobility, Travel & Tourism, Utility, and Petrol sectors. The company's core product portfolio includes In Store, Online, and Omnichannel payment solutions complemented by Fraud Prevention and Card Management modules. Security-focused offerings include 3DS Server, ACS (Access Control Server), and 3DS SDK for secure transaction authentication. The Gestore Terminali (Terminal Manager) solution enables POS terminal management with Bancomat homologation. Solutions are characterized by modular architecture, flexible deployment options (SaaS and Hosting), and innovative technology supporting fast time-to-market.

Differentiator

Problem solved

Functional benefit

Products and services

• In Store

Quantifiable outcome

• Digital payments in Italy reached over 500 billion euros in 2025, with digital (43%) surpassing cash (41%)

Named customers2 records

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SIA (Parte di Nexi/PostelGruppo): Italian payment infrastructure and processing technology provider serving banks and financial institutions. Directly comparable in providing back-end payment processing, card management, and 3DS-style authentication infrastructure to Italian financial institutions, which is N&TS's core market.
• Worldline: Major European payment processor offering merchant acquiring, terminal management, and omnichannel payment software to banks and large enterprises. Comparable in product scope (POS, gateway, omnichannel) and in serving financial institutions and large merchants across multiple verticals.
• Adyen: Global unified payments platform combining gateway, processing, and risk management for enterprise merchants. Comparable in providing omnichannel, single-platform payment software with a focus on enterprise and large merchants, though at a much larger international scale.
• ACI Worldwide: Provider of real-time electronic payment and banking software to financial institutions, processors, and large merchants globally. Highly comparable on enterprise B2B software for banks, fraud, 3DS, and card management — directly overlapping N&TS's financial-institution product focus.
• Stripe: Global payment infrastructure platform with gateway, processing, fraud, and subscription tools serving internet and omnichannel businesses. Comparable on the online, omnichannel, and fraud-prevention dimensions of N&TS's product suite, especially for digital-first enterprise merchants.
• Nexi: Italy's largest domestic payment processor and acquirer, serving banks, merchants, and enterprises with acquiring, issuing, and digital payment infrastructure. Directly comparable as a domestic Italian payments software and processing platform, though at significantly larger scale.

Emerging players

• Fabrick: Italian open finance and payment orchestration platform connecting banks, fintechs, and corporates. Comparable in offering modular payment software to Italian banks and enterprises, with overlap on orchestration, PSD2/SCA authentication, and fintech enablement.
• Checkout.com: Global payment processing platform focused on enterprise merchants with omnichannel gateway and acquiring services. Comparable in delivering unified payment software to large merchants, though with stronger international enterprise focus and limited domestic Italian footprint.

Broad incumbents

• Visa Acceptance Solutions (formerly CyberSource): Visa-owned payment management platform offering gateway, fraud, and 3DS services to global merchants. Comparable on 3DS authentication, fraud prevention, and gateway software, though backed by the Visa network and operating at global scale rather than domestically in Italy.
• FIS (Fidelity National Information Services): Large global provider of banking, payments, and merchant software including card issuing, processing, and fraud tools. Comparable in selling enterprise payment software (card management, processing, risk) to financial institutions, though as part of a much broader banking-software portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/netsgroupdotcom

Compliance12 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 N&TS Group