Creditum

What Creditum does

Creditum, operating under Swiss-registered Card Solutions AG, is a payment transaction processing provider founded in 2020 and headquartered in Zug, Switzerland. The company serves online merchants globally with a payment gateway that supports multi-currency processing across approximately 180 countries through local acquiring and major card networks (Visa, MasterCard, JCB, Discover, Diners Club), with explicit service restriction in the United Kingdom. Its product suite consists of two core offerings — a merchant payment processing gateway and a consumer-focused Creditum E-Wallet — supplemented by modular add-ons for Smart Routing, Fraud & Chargeback Prevention, and 3D Secure Authentication. The headcount range of 11–50 employees positions it as an early-stage operator.

The platform's underlying technology is built around intelligent transaction routing algorithms that analyze transaction attributes (amount, currency, acquirer availability, historical performance) in real time to direct deposits to the optimal acquirer, with the company claiming a 14% conversion rate uplift. The fraud prevention layer relies on real-time anomaly detection across transaction patterns, reinforced by a global merchant network that shares chargeback data collaboratively. Creditum is PCI DSS compliant, GDPR-aligned, and operates under VQF SRO (No. 101110) membership with FINMA supervision, providing the regulated financial-services foundation required for payment operations in Switzerland.

Creditum monetizes primarily via transaction-based fees charged to merchants for payment processing, plus pay-as-you-go fees on the E-Wallet (with no monthly subscriptions). Pricing is quote-based and not publicly disclosed; the company emphasizes comprehensive fixed rates for European currencies. Distribution combines an enterprise field-sales motion with a 48-hour API integration and 24-hour KYB approval for merchants, alongside a self-serve signup flow for individual E-Wallet users. Marketing reaches customers through the company website/content and an email newsletter, with no disclosed major institutional customers, funding rounds, or management team in the available source material.

Name

Creditum

Legal name

Card Solutions AG

Website

https://creditum.io

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Creditum (operating as Card Solutions AG) is a Swiss-regulated payment processor founded in 2020 offering a multi-currency merchant gateway, smart routing, fraud prevention, 3D Secure, and a consumer E-Wallet to online businesses and individuals across 180 countries.

Ownership category

akta.pro rank

Product category

Payment Processing and Gateway Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Payment gateway processing
• Multi-currency acquiring
• Fraud chargeback prevention
• Smart transaction routing
• 3D secure authentication

Headquarters

HQ city

Genève

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based fees charged to merchants for processing online payments through the payment gateway, including multi-currency support and local acquiring
2. E-Wallet Transaction Fees: Pay-as-you-go model where users pay only for transactions they make through the E-Wallet, with fees for topping up and conducting transactions

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Creditum provides a multi-currency payment gateway for online merchants, enabling them to accept credit, debit, and prepaid cards from major networks (Visa, MasterCard, JCB, Discover, Diners Club) along with alternative methods (Neteller, Skrill) across 180 countries with local acquiring. The platform includes intelligent smart routing, pre-integrated fraud and chargeback prevention tools, 3D Secure authentication, and a 48-hour API integration, complemented by a B2C E-Wallet for individuals with biometric authentication and instant peer-to-peer transfers.

Product overview

Creditum is a payment processing platform offering a unified suite of solutions for online businesses. The core offering includes the Creditum E-Wallet (a digital wallet for individuals) and Payment Processing gateway, supplemented by Smart Routing, Fraud & Chargeback Prevention, and Authentication modules. The platform leverages local acquiring methods across 180 countries to optimize acceptance rates, with built-in anti-fraud tools and 3D Secure authentication integrated into the payment ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• Creditum Payment Processing A multi-currency payment gateway solution enabling online merchants to accept credit, debit, and prepaid cards from major networks (Visa, MasterCard, JCB, Discover, Diners Club) and alternative methods (Neteller, Skrill) globally. Supports S2S, H2H, cashier, or platform integrations and emphasizes local acquiring across 180 countries.
• Creditum E-Wallet A digital wallet designed for individuals enabling instant peer-to-peer money transfers, contactless payments, biometric authentication, end-to-end encryption, budgeting tools, rewards and cashback programs, bill payments, and cross-border transactions. Operates on a pay-as-you-go model with no monthly subscriptions and transparent fixed rates for European currencies.
• Smart Routing An intelligent transaction routing system for merchants that uses advanced algorithms and real-time data analysis to direct each transaction to the most suitable acquirer based on amount, currency, acquirer availability, and historical data, maximizing authorization rates and minimizing false declines.
• Fraud & Chargeback Prevention A pre-integrated suite of anti-fraud tools for merchants providing preemptive, real-time, and post-incident protection, with immediate chargeback notifications and collaborative real-time chargeback data sharing across Creditum's global merchant network.
• Authentication (3D Secure) A card authentication solution implementing the 3D Secure protocol that requires customers to undergo additional verification during the payment process, typically redirecting to their bank's authentication page for identity verification via OTP. PCI DSS compliant.

Quantifiable outcome

• 14% conversion rate improvement through smart routing and optimization

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Card Solutions AGcoreOthersCard Solutions AG is the operating entity behind Creditum, registered in Zug, Switzerland. The company is a member of the VQF SRO (No. 101110), a FINMA supervised Self-Regulatory Organization, providing regulatory oversight and compliance for payment operations.
• VQF SROcoreOthersVQF SRO (No. 101110) is a FINMA supervised Self-Regulatory Organization in Switzerland. Creditum operates as a member of this organization, providing regulatory compliance and oversight for Swiss financial services.
• Payment Networks (Visa, MasterCard, JCB, Discover, Diners Club)coreTechnology or IntegrationCreditum integrates with major payment networks including Visa, MasterCard, JCB, Discover, and Diners Club for credit, debit, and prepaid card acceptance, enabling elevated approval rates for merchants.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Worldline: Worldline is a large European-headquartered payment processor offering online acquiring, fraud, and merchant services. A broad incumbent competing in the same European SME/enterprise online-merchant segment Creditum targets.

Others

• PPRO: PPRO is a payment orchestration and alternative-method routing platform used by gateways and merchants. Adjacent infrastructure that overlaps with Creditum's smart-routing/alternative-methods value proposition.
• Plaid: Plaid is a data connectivity / open-banking infrastructure provider underpinning many fintech payment flows. Relevant as enabling infrastructure for the account-to-account and wallet-layer capabilities adjacent to Creditum's offerings.

Direct peers

• Checkout.com: Checkout.com is a full-stack global payment gateway serving online merchants with smart routing, fraud tools, and multi-currency processing. It competes head-to-head with Creditum for enterprise cross-border volume.
• Adyen: Adyen is a global payment processor providing unified online and in-person acquiring across cards and local methods. Its smart routing and broad scheme coverage directly mirror Creditum's core offering.
• Stripe: Stripe is the dominant global online payment gateway, offering card acceptance, smart routing, fraud prevention, and a developer-first API. It is the closest direct competitor to Creditum's payment gateway for online merchants.
• Nuvei: Nuvei is a global payment processor serving e-commerce and high-risk merchants with multi-currency acceptance, smart routing, and alternative payment methods. Significant overlap with Creditum's target segments.
• Mollie: Mollie is a European payment gateway serving SMB and mid-market online merchants with multi-currency card acceptance and developer-friendly APIs. A regional-scale direct competitor to Creditum's online-merchant focus.

Emerging players

• Paysafe (Skrill / Neteller): Paysafe operates Skrill and Neteller, alternative digital wallets Creditum integrates with. Comparable as an alternative-payment specialist and as a wallet product competing with Creditum's own E-Wallet.
• Wise (formerly TransferWise): Wise operates multi-currency accounts and cross-border payment infrastructure for individuals and businesses. Most relevant to Creditum's E-Wallet and multi-currency offering rather than its merchant gateway.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Creditum_io
• YouTubepolicies.google.com/privacy?

Compliance3 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 Creditum