What Pri-Num does

Pri-Num is a UK-incorporated (Pri-Num Ltd.) mobile payments software company founded in Kyiv in 2013 by Eugene Zimin, specializing in digital enablement infrastructure for banks, retailers, and mobile operators. The company's product stack is built around a cloud-hosted Digital Enablement Platform that manages tokens for Visa Token Service (VTS) and Mastercard Digital Enablement Service (MDES), an Issuer Tokenization Service (ITS) Platform that provisions bank card portfolios into Apple Pay, Google Pay, Samsung Pay and Garmin Pay, and an R2 Platform that delivers soft POS / tap-to-phone solutions (R2 POS, R2-42) compliant with MPoC, PCI, and EMVCo standards. Additional products include NFC Issuer Wallets, xPays OEM wallets, Tokenization eCommerce, QR-based mobile POS, and MyDayMyPay, a Visa Direct-based funds-disbursement platform for gig-economy payroll, merchant settlement, and real-time claims payouts.

Pri-Num monetizes through multi-year B2B enterprise platform licensing to financial institutions, professional services for SDK integration and custom implementation, and transaction-based fees associated with issuer wallet and soft POS volume. Go-to-market is direct enterprise sales supported by referral channels through Visa (Ready Qualified TSP), Mastercard (Digital Vendor, Engage Partner), and UnionPay International (Technology Partner). The company operates from London (UK headquarters), Kyiv (R&D center with 100+ engineers), and Vancouver, WA (US sales), serving banks across CIS, Caucasus, Central Asia, Southeastern Europe, the Middle East, and select African and Asia-Pacific markets including Georgia, Azerbaijan, Armenia, Kazakhstan, Kyrgyzstan, Belarus, Bosnia and Herzegovina, Lebanon, Serbia, Moldova, Uzbekistan, and Papua New Guinea.

Named customers include TBC Bank, VTB Georgia, Basisbank, Halyk Bank Georgia, Credo Bank, Raiffeisen Bank Bosnia and Herzegovina, Unibank and Leobank (Azerbaijan), InecoBank (Armenia), Sberbank Kazakhstan, BPS-Sberbank (Belarus), Bai Tushum Bank (Kyrgyzstan), BLOM Bank (Lebanon), and Kapital Bank (Azerbaijan), alongside retail partner Mega Shopping Mall. Leadership comprises founder Eugene Zimin, CEO Andriy Galyapa, CTO Artem Manoylo, Chief Growth Officer Anastasia Zimina, and Chief Project Officer Grigoriy Roginsky. The company is privately held with no disclosed institutional funding rounds.

Name

Pri-Num

Legal name

Pri-Num Ltd.

Website

https://pri-num.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Pri-Num is a UK-incorporated fintech founded in 2013 in Kyiv that provides tokenization, issuer wallet, and soft POS software to banks, retailers, and mobile operators across CIS, Caucasus, Central Asia, and the Middle East, certified by Visa, Mastercard, and UnionPay.

Ownership category

akta.pro rank

Product category

Mobile Payments Software

NAICS

Software Publishers (5132)

akta.pro primary industry

Mobile Wallets (NFC Tap-to-Pay / HCE) (FSAMAEAB)

akta.pro secondary industry

POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)

Keywords

• Mobile payments platform
• Digital enablement software
• Tokenization services
• Soft POS solutions
• Contactless payment SDK

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Licensing: B2B enterprise software licensing of Digital Enablement Platform, ITS Platform, and R2 Platform to financial institutions. Typically multi-year contracts with banks and payment providers.
2. SDK and Integration Services: Professional services for SDK integration, custom development, and technical implementation support for bank clients deploying digital payment solutions.
3. Transaction-based Processing: Transaction fees associated with payment processing through issuer wallets and merchant POS solutions (implied by R2 POS and mobile payment platform offerings).

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Pri-Num develops and licenses a cloud-hosted Digital Enablement Platform that allows banks, retailers, and mobile operators to issue tokenized contactless payment cards and wallets. The company provides SDKs, white-label mobile applications, NFC issuer wallets, and a soft POS solution (R2 POS) that turns Android phones into payment-accepting terminals, along with funds disbursement solutions built on Visa Direct.

Product overview

Pri-Num offers a platform-plus-modules architecture centered on its Digital Enablement Platform, which serves as the core cloud-hosted wallet and token management system. The platform integrates with the ITS Platform for third-party wallet tokenization (Apple Pay, Google Pay, Samsung Pay) and the R2 Platform for soft POS solutions (R2 POS, R2-42 Tap to Phone). Additional products include NFC Issuer Wallets, xPays OEM wallet integrations, Tokenization eCommerce, Consumer-Presented QR Code, Mobile POS (mPOS), and the MyDayMyPay Funds Disbursement Platform. The company also provides SDKs, white-label applications, and CMS tools as add-on modules. Solutions span digital payments, contactless acceptance, and digital transformation for banking, retail, telco, and sports industries.

Differentiator

Problem solved

Functional benefit

Brands

• Digital Enablement Platform: Cloud-hosted wallet and digital issuance platform that empowers to deliver secure contactless payments
• ITS Platform
• R2 Platform
• MyDayMyPay
• R2 POS
• xPays

Products and services

• Digital Enablement Platform Cloud-hosted wallet and digital issuance platform enabling banks and payment providers to deliver secure contactless payments by managing tokens for VISA Token Service and Mastercard Digital Platform, supporting prepaid card issuance, loyalty and marketing integrations.
• ITS Platform (Issuer Tokenization Solutions) Platform allowing consumers to use their cards with leading third-party wallets such as Apple Pay, Google Pay, and Samsung Pay through tokenization and provisioning of card portfolios with unified token lifecycle management.
• R2 Platform Parent platform enabling soft POS functionality that underpins the R2 POS and R2-42 tap-to-phone payment acceptance solutions for merchants.
• R2 POS - Soft POS Software-only POS system that turns any Android phone into a point-of-sale terminal accepting contactless cards, digital wallets, and wearables such as Google Wallet and Apple Pay, powered by Visa Acceptance Cloud technology.
• R2-42 - Tap to Phone Tap-to-phone software solution meeting POS application requirements, allowing NFC-enabled Android smartphones to accept payments from contactless cards, digital wallets, and wearables.
• NFC Issuer Wallets White-label or SDK-based digital wallet technology enabling issuers to digitize cards via Host Card Emulation (HCE) through proprietary branded mobile applications for contactless payments.
• NFC Wallets on Devices - xPays

Quantifiable outcome

• TBC Wallet achieved 50,000+ users, 100,000 tokens, and 2M+ transactions as of 2019, maintaining 4.9 rating on Google Play
• +3 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core.

• VisacoreTechnology or Integration · 7 June 2017Visa Ready Qualified Token Service Provider. Pri-Num is certified to provide Visa Token Service (VTS) for secure mobile payments. Enables banks to deploy Visa contactless payments through Pri-Num's platform.
• MastercardcoreTechnology or IntegrationMastercard Digital Vendor and Engage Partner. Certified for Mastercard Digital Enablement Service (MDES) and cloud-based payments. Pri-Num SDK certified by Mastercard.
• UnionPay InternationalcoreTechnology or IntegrationUnionPay Technology Partner providing digital payment capabilities for UnionPay cardholders through Pri-Num's platform.
• ApplecoreTechnology or IntegrationApple Pay integration through Pri-Num ITS Platform. Enables banks to offer Apple Pay to customers via tokenization of Visa and Mastercard cards.
• GooglecoreTechnology or IntegrationGoogle Pay integration through Pri-Num platform. Supports Android device payments via tokenization.
• SamsungcoreTechnology or IntegrationSamsung Pay integration support. Enables wearable and smartphone payments for Samsung device users.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• Trustonic: Trustonic provides trusted execution environments and tokenization/secure element services for mobile payments and digital wallets. Comparable at the secure-tokenization infra layer that underpins Pri-Num's ITS Platform and xPays OEM integrations.
• NXT Digital (by NXP): NXP's payment and identification stack supports NFC tokenization and OEM wallet deployments on chipsets. Provides competing infrastructure for issuer tokenization and OEMPay integrations that Pri-Num's xPays platform addresses at a higher layer.

Direct peers

• Marqeta: Marqeta provides card-issuance and tokenization APIs that power modern card and digital-wallet programs. Highly comparable to Pri-Num's tokenization and Digital Enablement Platform for bank and fintech issuers, though at a materially larger scale.
• Netcetera: Netcetera is a payment-services vendor offering 3DS, tokenization, mobile wallets and now soft-POS solutions to banks globally. Overlaps with Pri-Num's ITS Platform and R2 POS offerings across the same issuer-side and acceptance-side use cases.

Broad incumbents

• Thales (Payments & Digital): Thales supplies tokenization, mobile payment platforms, and EMV chip software to issuers globally. Comparable to Pri-Num's VTS/MDES tokenization stack with tier-1 bank relationships across EMEA and Asia.
• IDEMIA (Financial Services): IDEMIA provides payment tokenization, card issuance, and authentication infrastructure to banks worldwide. Competes with Pri-Num at the issuer-wallet/token-requestor layer, with broader portfolio including physical and digital identity.
• Worldline (banking & payment services): Worldline offers digital banking and payment acceptance, including mobile wallet and token-requestor services to European banks. Directly comparable enterprise banking customer base to Pri-Num, with established tier-1 European bank references.
• Global Payments (Issuer Solutions / Galileo): Through its issuer/processing solutions (including Galileo and former TSYS), Global Payments provides tokenization and digital wallet enablement to banks and fintechs. Operates broadly across the same problem space as Pri-Num, with much greater scale and Western market footprint.

Regional players

• Stone Payments / TapTap (Tap to Phone): Stone pioneered tap-to-phone acceptance (Stone TapTap) in Brazil and represents a comparable soft-POS go-to-market model to Pri-Num's R2 POS, though focused primarily on Brazilian merchants and acquirers rather than banks.
• DNA Payments: DNA Payments distributes SoftPOS and other payment acceptance solutions across the UK and Europe. Comparable to Pri-Num R2 POS at the merchant-acquirer layer, but with a UK-focused delivery model rather than the bank-led EM model Pri-Num pursues.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/pri_num
• YouTubeyoutube.com/channel/UCePiEEv6tEAVNP1INhr29hA
• LinkedInlinkedin.com/company/prinum
• Facebookfacebook.com/prinumcom

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Pri-Num