What EurosPay does

EurosPay (legal entity EUROS PAY LIMITED, company number 12997822) is a London-based online payment processing platform that operates a PCI DSS Level 1 certified payment gateway targeting global eCommerce merchants. The platform is built around a core gateway product called EuroS Pay that supports card payments (Visa, Mastercard), digital wallets (Apple Pay, Google Pay), and QR-code-based mobile banking payments, with the platform claiming worldwide processing reach and universal user experience. Underlying capabilities include Smart Payment Routing and Payment Cascading engines that dynamically distribute transactions across multiple acquirers to maximize approval ratios, alongside an integrated merchant portal providing account management, payment analytics, transaction tracking, notifications, checkout customization, and charge control.

The product surface extends beyond core gateway processing into a suite of FinTech modules: Payment Division (marketplace transaction splits across multiple legal entities), Escrow Payments (conditional fund release), Smart Invoicing, Purchase Page and checkout widgets, One-Click Purchases, Cashback Management, QR Code Generator, and Automated Recurring Billing. A dedicated White-Label SaaS offering allows partners to deploy a PCI DSS Level 1 compliant gateway under their own brand in weeks, targeting FinTech companies and payment startups that need to avoid building payment infrastructure from scratch.

EurosPay generates revenue from three streams: per-transaction payment processing fees charged to merchants, white-label gateway licensing fees, and subscription-style SaaS fees for the merchant portal and platform features. The company runs a dual go-to-market combining a self-serve product-led growth motion via a public dashboard signup with enterprise field sales for white-label OEM contracts, distributing globally through direct digital self-serve and white-label channels. Pricing is quote-based and not publicly disclosed.

Name

EurosPay

Legal name

EUROS PAY LIMITED

Website

https://euros-pay.com

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

EurosPay is a London-based PCI DSS Level 1 certified payment gateway offering global card processing, smart multi-acquirer routing, and a suite of FinTech modules (escrow, splits, recurring billing) to eCommerce merchants, marketplaces, subscription businesses, and FinTech partners via direct and white-label channels.

Ownership category

akta.pro rank

Product category

Online Payment Gateway

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

Keywords

• Payment gateway services
• Online payment processing
• PCI DSS compliance
• White-label fintech
• Merchant payment solutions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Revenue generated from transaction processing fees charged to merchants for processing card payments and other payment methods through the gateway.
2. White-Label Gateway Licensing: Revenue from licensing the PCI DSS Level 1 certified gateway technology to businesses seeking to launch branded payment processing operations under their own label.
3. SaaS Platform Fees: Subscription-style fees for access to the merchant portal, analytics, routing tools, and other platform features provided as part of the gateway service.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels2 records

Core offering

EurosPay operates EuroS Pay, a PCI DSS Level 1 certified global payment gateway that enables merchants to process online payments with a universal user experience across multiple acquirers. The platform combines a merchant portal with smart routing, cascading, split payments, escrow, invoicing, cashback, QR, and recurring billing capabilities, and is also offered as a white-label SaaS gateway that partners can rebrand and launch under their own label.

Product overview

EurosPay operates as a unified payment platform combining a PCI DSS Level 1 certified gateway with modular tools and FinTech solutions. The core product, EuroS Pay, serves as the foundational payment gateway, supported by the Merchant Portal for operational management. Smart Payment Routing and Payment Cascading modules optimize transaction approval rates. The platform also includes multiple FinTech solutions including Payment Division, Escrow Payments, Smart Invoicing, Purchase Page & Widget, One-click Purchases, Cashback Management Tool, QR Code Generator, and Automated Recurring Billing. Additionally, a White-label SaaS Product enables partners to launch branded payment processing services.

Differentiator

Problem solved

Functional benefit

Products and services

• EuroS Pay Payment Gateway

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature11 records

Scale indicators1 record

Expansion highlights5 records

Direct peers

• SumUp: SumUp is a European fintech offering payment processing solutions for SMBs and merchants. It shares comparable target customers and multi-method payment support with EurosPay.
• Checkout.com: Checkout.com is a global payment processor serving eCommerce merchants with intelligent routing and acquiring optimization. It competes directly with EurosPay's multi-acquirer cascading and approval-rate optimization features.
• Adyen: Adyen is a global payment processing platform offering unified commerce solutions for large enterprises. It competes directly with EurosPay in multi-acquirer routing, payment optimization, and global merchant acquiring.
• Paddle: Paddle is a payment infrastructure and merchant-of-record platform serving SaaS and subscription businesses. It overlaps with EurosPay's subscription billing, recurring payment, and global merchant payment capabilities.
• Cellpoint Digital: Cellpoint Digital is a payment orchestration and routing platform serving travel and eCommerce merchants. It directly competes with EurosPay's payment routing and cascading capabilities, particularly in vertical-specific deployments.
• Primer: Primer is a payment orchestration platform providing unified routing, cascading, and reconciliation across acquirers. It overlaps directly with EurosPay's smart routing and cascading features for merchants seeking multi-acquirer optimization.
• Stripe: Stripe is the leading global payment gateway and processing platform for online businesses. It competes directly with EurosPay in serving eCommerce merchants with API-first payment processing, smart routing, and a broad feature suite.
• Mollie: Mollie is a European payment service provider offering multi-method payment processing for SMB and mid-market merchants. Comparable to EurosPay as a regional gateway with similar dashboard-driven onboarding and broad payment method coverage.

Broad incumbents

• Worldpay: Worldpay is a global payment processing incumbent offering merchant acquiring, gateway, and omnichannel commerce solutions. It serves a much broader portfolio but directly competes with EurosPay in online merchant processing.
• PayPal Braintree: Braintree is PayPal's global payment gateway for online and mobile merchants. It is a broad incumbent in payment processing with comparable merchant onboarding, fraud tools, and multi-method support to EurosPay.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 EurosPay