ICP Nederland

What ICP Nederland does

ICP Nederland B.V. is a Dutch-headquartered, privately held fintech operator that runs a proprietary transaction-switching platform for vouchers, gift cards, loyalty cards, eVouchers, lottery sales, and money transfer services at retail point-of-sale. Founded in 2007 and originally German-owned, the company is structured as a Dutch Besloten Vennootschap (B.V.) with wholly-owned operating subsidiaries in Germany (ICP Transaction Solutions GmbH, Trier), Poland (ICP Polska Sp. Z o.o., Warsaw), and the Czech Republic (ICP Czech spol s.r.o., Prague), collectively employing approximately 100 people. ICP serves enterprise retailers and telecom operators across Western and Central Europe, with a customer roster that includes Jumbo, Action, Lidl, Kruidvat, Lekkerland, NS, Pathé, Schoonenberg Hoorcomfort, and Telecombinatie.

The core technology is a self-developed stack on Visual Studio .NET (C#) with Microsoft SQL Server and ASP.NET front-ends, exposed via SOAP web services and hosted in a PCI-certified data center with a stated 99.9% availability SLA. The product surface spans closed-loop retailer gift cards (plastic, digital, app), third-party gift card distribution (POSA/POR) for both national brands like VVV-cadeaukaart and FashionCheque and international digital brands (iTunes, Google Play, Netflix, Steam, Xbox, Nintendo, Spotify), customer loyalty programs with savings points and member pricing, employee meal-benefit cards, eVouchers for prepaid airtime/internet/event/lottery tickets, the ICP Fuel Host module for IFSF fuel card processing, and value-added services including Western Union money transfers, couponing, and email-marketing-enabled digital gift card distribution. Integration is flexible across POS systems, standalone transaction terminals (ICP Basic, ICP Plus, ICP Mobile), PC software, web terminals, and embedded payment terminals from hardware partners such as Ingenico.

ICP makes money primarily through transaction fees on the value it processes — a usage-based model applied to gift card issuance/redemption, loyalty transactions, third-party content distribution, lottery, and money transfer. Pricing is not publicly disclosed and is negotiated on a quote basis per customer and transaction volume. The go-to-market combines direct enterprise field sales (targeting retailers, telecom operators, and POS operators) with a multi-layered partner channel that includes KPN, Vodafone, Lyca Mobile, Odido, Proximus, Lebara, and Base on the telecom side; Paysafecard, Flexepin, and Western Union on the payment side; Blackhawk Network and Cards Unlimited for gift card distribution; Ingenico for terminal hardware; and Valk Solutions and Oracle Micros for POS software integration. There is no external investor or VC funding disclosed, and the company is owned and operated as a private group with a stated ambition to extend from Western and Central Europe into Eastern Europe and other continents.

Name

ICP Nederland

Legal name

ICP Nederland B.V.

Website

https://icpcompanies.nl

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

ICP Nederland B.V. operates a proprietary transaction-switching platform that processes gift cards, loyalty cards, eVouchers, lottery, and money transfer transactions at retail point-of-sale for enterprise retailers and telecom operators across Western and Central Europe, monetizing via transaction fees.

Ownership category

akta.pro rank

Product category

Transaction Processing Platform

NAICS

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

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB)

akta.pro secondary industry

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

Keywords

• Transaction processing platform
• Gift card processing
• Loyalty card programs
• Retail payment solutions
• Voucher management system

Headquarters

HQ city

Hoofddorp

HQ country

Netherlands

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Services: ICP processes voucher, loyalty card, gift card, lottery, and payment transactions for retailers. Revenue is generated through transaction fees for authorizing and processing payments.
2. Gift Card Issuance and Management: Issuance of proprietary closed-loop gift cards, selling third-party gift cards (POSA/POR), and redemption of third-party gift cards like VVV.
3. Customer Loyalty Programs: End-to-end loyalty card program solutions including customer registration portals, transaction processing, and marketing campaign support.
4. eVoucher Sales: Sale of prepaid airtime credits, internet credits, event tickets, and lottery tickets through integrated POS systems.
5. Western Union Money Transfer: Integration with Western Union enabling money transfer services at retailer locations, processing fees per transaction.
6. Promotional and Marketing Services: Custom promotional campaigns, couponing, email marketing with digital gift card distribution, and marketing campaign management.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

ICP Nederland provides a self-developed, centralized transaction processing platform that authorizes, processes, and switches voucher, loyalty, gift card, eVoucher, lottery, and payment transactions for enterprise retailers and partners. The offering is delivered via SOAP web services and supports multiple integration methods including POS systems, standalone terminals (ICP Basic, ICP Plus, ICP Mobile), PC software, web terminals, and embedded payment terminals, all backed by PCI-certified infrastructure with up to 99.9% availability.

Product overview

ICP Nederland offers a unified transaction platform with multiple integrated modules for electronic payment and value-added services. The core ICP Transaction Platform handles authorization, processing, and switching of voucher, loyalty, and gift card transactions via SOAP web services. The product portfolio includes Closed Loop Gift Cards (retailer-branded), Third-Party Gift Cards (national and international including VVV, FashionCheque, iTunes, Google Play, Netflix), Customer Loyalty Cards with savings point systems, Employee Cards, eVouchers (prepaid credits, event tickets, lottery tickets), Transaction Terminals (ICP Basic, Plus, Mobile), ICP Fuel Host for fuel cards, Western Union Money Transfers, Promo Campaigns, Email Marketing, and Gift Vouchers. The platform integrates with POS systems, standalone terminals, PC software, and web terminals.

Differentiator

Problem solved

Functional benefit

Products and services

• ICP Transaction Platform Central software platform that authorizes, processes, and switches voucher, loyalty, gift card, eVoucher, lottery, and payment transactions. It is offered to enterprise retailers and partners and supports multiple integration methods including POS, standalone terminals, PC software, web terminals, and embedded payment terminals.
• Closed Loop Gift Cards (Cadeaukaarten) Closed-loop gift card product that retailers can issue and have processed on ICP's platform, available as plastic cards, digital, or app-based formats.
• Third-Party Gift Cards (POSA / POR) Distribution and redemption of third-party gift cards from national and international brands at retail point of sale, available as physical plastic cards (POSA) or digital/online format (POR).
• Customer Loyalty Cards (Klantenkaarten) Customer loyalty card programs for retailers covering savings points, discounts, special member pricing, and personalized rewards to drive repeat purchases and customer retention.
• Employee Cards (Medewerkerkaarten) Employee meal and benefit cards offered to retail and enterprise clients, issued as plastic cards or virtual cards via app, designed to comply with applicable CAO (collective labor agreement) requirements.
• eVouchers Digital voucher product that prints unique recharge codes on receipts at point of sale, covering prepaid airtime, internet credits, event tickets, and lottery tickets.
• ICP Fuel Host IFSF fuel card processing system for petrol stations, enabling authorization and management of fuel card transactions on ICP's platform.
• Transaction Terminals (ICP Basic, ICP Plus, ICP Mobile) Standalone hardware transaction terminals (ICP Basic, ICP Plus, ICP Mobile) for businesses without an integrated POS, used to process gift card, voucher, and payment transactions.
• Money Transfers (Western Union) Western Union money transfer service integrated at retail point of sale, allowing customers to send cash worldwide with transfers initiated via smartphone and completed in-store within minutes.
• Promo Campaigns (Couponing) Custom promotional couponing campaigns that print unique codes on receipts, enabling digital participation in loyalty programs and replacing traditional stamp collection.
• Email Marketing with Digital Gift Cards Email marketing service in which ICP generates and distributes digital gift cards via email as part of promotional campaigns, with code management and redemption tracking.
• Gift Vouchers (Tegoedbonnen) Store credit gift voucher product used by retailers as an alternative to cash refunds, with unique barcodes generated on receipts and redeemable on subsequent purchases.

Quantifiable outcome

• 99.9% availability guarantee through fully redundant network and real-time monitoring

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

AI capability1 record

Feature5 records

Partnerships

13 partnerships are on record, tiered core and minor.

• KPNcoreTechnology or IntegrationTelecommunications provider partner for prepaid airtime and digital content distribution through ICP's platform.
• VodafonecoreTechnology or IntegrationTelecommunications provider partner for prepaid services and mobile top-up distribution.
• Lyca MobilecoreTechnology or IntegrationTelecommunications provider partner for prepaid airtime distribution across European markets.
• OdidocoreTechnology or IntegrationTelecommunications provider partner for prepaid services distribution.
• IngenicocoreTechnology or IntegrationPayment terminal hardware provider enabling ICP's software integration into payment devices.
• PaysafecardcoreTechnology or IntegrationPrepaid payment solution partner enabling prepaid card transactions through ICP's platform.
• Western UnioncoreTechnology or IntegrationMoney transfer service integration enabling cash transfers at retail locations through ICP's platform.
• De Nederlandse Loterij (Lotto, Staatsloterij)coreTechnology or IntegrationDirect integration enabling lottery ticket sales (Lotto and Staatsloterij) at retail POS through ICP's platform.
• Blackhawk NetworkcoreChannel Partner/ Reseller/ DistributorGift card aggregator and distributor partner for third-party gift card sales.
• Cards UnlimitedminorChannel Partner/ Reseller/ DistributorGift card distribution partner for physical gift card products.
• NS (Nederlandse Spoorwegen)coreChannel Partner/ Reseller/ DistributorRailway operator using ICP's solutions for gift cards and vouchers at stations.
• ChessminorChannel Partner/ Reseller/ DistributorTelecom provider partner for prepaid services distribution.
• IntercityminorChannel Partner/ Reseller/ DistributorPartner for intercity retail and service locations.

Scale indicators2 records

Expansion highlights5 records

Direct peers

• Givex: Givex provides gift card, loyalty, stored-value and POS-linked customer engagement solutions for merchants. It overlaps closely with ICP's closed-loop gift cards, customer loyalty cards and retailer transaction platform.
• Blackhawk Network: Blackhawk Network provides gift card, prepaid, rewards and digital commerce distribution solutions for retailers and brands. It is directly comparable because ICP also supports third-party and closed-loop gift card programs, voucher distribution and retail POS integrations.
• Stored Value Solutions: Stored Value Solutions provides gift card program management, stored-value processing and digital gift card capabilities for merchants. It is comparable to ICP's retailer-branded gift cards, third-party gift card redemption and transaction authorization services.
• InComm Payments: InComm Payments offers prepaid, gift card, payments and retail technology solutions across physical and digital points of sale. It is comparable because ICP also combines gift card distribution, stored-value processing and retailer-facing transaction technology.
• epay: epay, part of Euronet, distributes prepaid products, gift cards, mobile top-ups and digital content through retail and online channels. It is highly comparable to ICP's eVoucher, prepaid telecom, gift card and POS transaction-processing business.

Regional players

• PayPoint: PayPoint operates retail payment networks and in-store payment, top-up, parcel and digital voucher services, primarily in the UK. It is comparable because ICP also enables value-added financial and voucher transactions through retail locations, but PayPoint is mainly a regional UK player.
• Qwikcilver: Qwikcilver, part of Pine Labs, provides gift card, prepaid card and stored-value technology for merchants and enterprises. It is comparable to ICP's gift card issuance and transaction-processing functionality, but primarily serves different regional markets.

Broad incumbents

• Worldline: Worldline is a large European payments company offering merchant acquiring, POS payments, terminals and transaction processing. It is a broader incumbent comparable to ICP through overlapping retail payment terminal and transaction-processing capabilities, though Worldline's portfolio is much wider.

Emerging players

• Eagle Eye: Eagle Eye offers SaaS technology for retailer loyalty, personalized promotions, coupons and digital customer engagement. It is comparable to ICP's loyalty-card, couponing and promotional campaign offerings for retail customers.
• Tillo: Tillo provides a gift card API and embedded digital gift card distribution infrastructure for brands and platforms. It is comparable to ICP's digital gift card, voucher and integration-led model, though Tillo is more API-first and digital-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCw4qXLMgT9I11WacjMWa1mg
• LinkedInlinkedin.com/company/icp-nederland-b-v-

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 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 ICP Nederland