Emetec
Emetec is a Panama-based payment orchestration platform that provides a unified REST API and PCI-compliant tools for merchants, integrators, and PSPs to process transactions across multiple acquirers, payment methods, and channels.
- Company typePrivate
- Founded2015
- Headquarters—
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Emetec does
Emetec is a payment orchestration platform that provides a unified API for merchants, integrators, and payment service providers to process card and alternative payment method transactions across multiple acquirers. Founded in 2015 and headquartered in Panama, the company operates the Emetec Core Open Payment Platform (OPP), a REST API-based system that supports synchronous and asynchronous payment workflows, tokenization, 3D Secure authentication, multi-acquirer routing with smart retry, subscriptions, card-on-file management, and comprehensive transaction and settlement reporting. The platform is accessed through three primary integration methods: the Emetec Payment Button (a PCI SAQ-A compliant hosted widget), a server-to-server REST API, and a native Mobile SDK for iOS and Android. It supports 25 languages and integrates with major card schemes plus alternative payment methods including Apple Pay, Google Pay, PayPal, Amazon Pay, Klarna, Samsung Pay, and SEPA direct debit.
The company's revenue model is based on transaction fees for payment processing across authorization, debit, credit, capture, refund, reversal, and referencing transaction types. Pricing is not publicly disclosed and appears to be negotiated through account managers based on transaction volume. The go-to-market is API-first and developer-led, centered on comprehensive self-service documentation at docs.emetec.pro, interactive tutorials, and a developer portal. Customer segments span online merchants and e-commerce businesses, payment integrators and ISVs, and PSPs and channels. Emetec's support infrastructure and eSupport portal are branded under ACI Worldwide, indicating affiliation with or ownership by the global payments technology company ACI Worldwide, though the exact corporate structure is not explicitly disclosed. The platform has received PCI DSS SAQ-A certification and WCAG 2.2 AAA accessibility compliance for its Payment Button, Mobile SDK, and Pay By Link products.
Emetec firmographics
Firmographics- Name
- Emetec
- Legal name
- Emetec
- Website
- https://docs.emetec.pro
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Emetec is a Panama-based payment orchestration platform that provides a unified REST API and PCI-compliant tools for merchants, integrators, and PSPs to process transactions across multiple acquirers, payment methods, and channels.
- Ownership category
- akta.pro rank
Emetec industry classification
Industry- Product category
- Payment Orchestration Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Payment Processing & Acquiring Infrastructure (FSAGABAC)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Emetec business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Operations, Personnel, Marketing or Sales
Revenue model
- Payment Processing Transaction Fees: Emetec Core OPP charges merchants and channels for processing payment transactions through its platform. The platform supports multiple payment types including Authorization (PA), Debit (DB), Credit (CD), Capture (CP), Refund (RF), Reversal (RV), and various referencing transactions. Revenue is generated based on transaction volume processed through the payment gateway infrastructure.
Go-to-market motion1 record
Distribution channels5 records
Marketing channels3 records
Emetec product offering
Product offeringCore offering
Emetec provides the Core Open Payment Platform (OPP), a REST API-based payment orchestration platform that routes transactions across multiple acquirers, payment methods, and regions through a single integration. The platform is delivered via three integration channels — Emetec Payment Button (PCI SAQ-A compliant hosted widget), Server-to-Server API, and Mobile SDK — and includes tokenization, 3D Secure authentication, multi-acquiring smart retry, subscriptions, card-on-file, and comprehensive transaction and settlement reporting.
Product overview
Emetec is a payments orchestration company offering the Core Open Payment Platform (OPP), a unified platform-plus-modules architecture that provides end-to-end payment processing capabilities. The platform is accessed via multiple integration methods: Emetec Payment Button (a certified PCI SAQ-A compliant hosted widget), Server-to-Server API direct integration, and Mobile SDK for in-app payments. Key modules include tokenization for secure credential storage, 3D Secure authentication for fraud protection, Multi-Acquiring for intelligent transaction routing with Smart Retry, Subscriptions for recurring billing, Card-on-File for standing instructions, BackOffice for post-authorization management, and comprehensive Transaction and Settlement reporting. The platform supports 25 languages, multiple currencies, and integrates payment methods including Apple Pay, Google Pay, PayPal, Amazon Pay, Klarna, Samsung Pay, SEPA, and major card schemes (Visa, Mastercard, Amex, JCB, Diners, Carte Bancaire).
Differentiator
Problem solved
Functional benefit
Products and services
- Emetec Core Open Payment Platform (OPP) A unified payment processing platform that orchestrates payments across multiple acquirers, payment methods, and regions. Provides a single API integration for processing transactions, managing fraud risk, handling 3D Secure authentication, tokenization, and settlement reporting. Targeted at merchants, payment integrators, ISVs, PSPs, and channel partners.
- Emetec Payment Button A certified PCI SAQ-A compliant hosted payment widget that allows merchants to accept payments securely on their website without handling sensitive card data. Supports multiple payment methods, 3D Secure, tokenization, and extensive customization options, including Fast Checkout integrations for PayPal, Amazon Pay, Apple Pay, and Google Pay.
- Server-to-Server Integration Direct REST API integration method for merchants who want to build custom payment workflows. Supports all payment operations including tokenization, 3D Secure, refunds, captures, recurring payments, and currency conversion via REST API calls with bearer token authentication.
- Mobile SDK Software development kit for integrating payment acceptance into mobile applications (iOS and Android). Supports pre-built UI components, custom UI implementation, card scanning, tokenization, fraud management, and brand configurations for Apple Pay, Google Pay, Klarna, and Samsung Pay.
Quantifiable outcome
- Reduces unnecessary chargebacks through 3D Secure authentication and smart transaction routing
- +1 more outcomes
Companies that use Emetec
Customer profileSegments3 records
Ideal customer profiles3 records
Emetec technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature8 records
Emetec partnerships and signals
Strategic signalScale indicators1 record
Recent moves5 records
Expansion highlights4 records
Emetec competitors and assessment
Company assessmentDirect peers
- Primer: Primer is a payment orchestration platform that unifies 100+ payment processors and methods behind a single API, with smart routing and unified reconciliation. Directly comparable to Emetec's multi-acquiring, smart retry, and unified-API positioning, but targeting enterprise merchants and backed by significant venture funding.
- Stripe: Stripe is the largest independent payment orchestration and processing platform, offering unified APIs for multi-method acceptance, smart routing, 3DS, tokenization, and mobile SDKs. Directly comparable to Emetec on every primary capability (server-to-server, widget, mobile SDK, multi-acquirer) but at vastly greater scale and brand recognition.
- Spreedly: Spreedly is a payment orchestration and card vaulting platform that routes transactions across multiple gateways through a single API, with tokenization and 3DS support. Closely comparable to Emetec on tokenization, multi-gateway routing, and ISV/integrator GTM, though it focuses primarily on vaulting rather than full checkout UI.
- Cellpoint Digital: Cellpoint Digital provides payment orchestration for airlines, travel, and commerce, with multi-acquirer routing, smart retry, and alternative payment method support. Comparable to Emetec on orchestration architecture and enterprise vertical focus, including airline/lodging-specific API parameters that Emetec also exposes.
Broad incumbents
- Checkout.com: Checkout.com is a global payments processor offering unified acquiring, processing, and orchestration across cards and APMs. Comparable to Emetec on multi-method acceptance and acquirer routing, but operates at significantly greater scale with proprietary acquiring infrastructure.
- Adyen: Adyen is a global incumbent payments platform serving enterprise merchants with unified acquiring, processing, and orchestration across cards and alternative methods. Comparable to Emetec on multi-acquirer routing and global payment method coverage, but operates as a public, multi-billion-dollar company with its own acquiring licenses.
- Worldpay: Worldpay is a large global payment processor and acquirer offering enterprise merchants gateway, processing, and orchestration services. Comparable to Emetec at the infrastructure layer (multi-acquirer connectivity, transaction processing), though Worldpay competes more as an acquirer than a pure orchestrator.
- Braintree (a PayPal service): Braintree is PayPal's enterprise gateway offering unified processing across cards, PayPal, Venmo, and alternative methods with tokenization and 3DS support. Comparable to Emetec on gateway/orchestration capabilities and merchant-of-record services, but embedded within PayPal's broader commerce platform.
Regional players
- Razorpay: Razorpay is an India-focused payments platform offering gateway, orchestration, and a broad range of payment methods across South Asia. Comparable to Emetec on multi-method orchestration and developer-first GTM, but serves a different primary geography with regional dominance in India.
- Mollie: Mollie is a European-focused payment service provider offering multi-method acceptance (cards, SEPA, Klarna, PayPal, etc.) through a unified API and dashboard. Comparable to Emetec on European payment method breadth and developer-first integration, though Mollie competes primarily as a direct PSP rather than an orchestrator behind acquirers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Emetec social profiles
Digital presenceEmetec compliance and trust
Trust signalCompliance2 records
Emetec financial estimates
Financial estimateRevenue estimate
Valuation estimate
Emetec leadership team
Management profileNumber of profiles
Emetec funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Emetec M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Emetec
What does Emetec do?
Emetec provides the Core Open Payment Platform (OPP), a REST API-based payment orchestration platform that routes transactions across multiple acquirers, payment methods, and regions through a single integration. The platform is delivered via three integration channels — Emetec Payment Button (PCI SAQ-A compliant hosted widget), Server-to-Server API, and Mobile SDK — and includes tokenization, 3D Secure authentication, multi-acquiring smart retry, subscriptions, card-on-file, and comprehensive transaction and settlement reporting.
Is Emetec a public or private company?
Emetec is a private company. It is classified as corporate owned and is currently operating.
When was Emetec founded?
Emetec was founded in 2015. It employs 11 to 50 people.
How does Emetec make money?
One revenue line is on record: payment Processing Transaction Fees.
Who are Emetec's main competitors?
Direct peers on record are Primer, Stripe, Spreedly and Cellpoint Digital. Broad incumbents are Checkout.com, Adyen, Worldpay and Braintree (a PayPal service). Regional players are Razorpay and Mollie.
Does Emetec have an API?
Yes. Emetec Core Open Payment Platform (OPP) API is a RESTful API that enables merchants and integrators to process payments, manage transactions, handle tokenization, perform 3D Secure authentication, and access reporting. The API supports multiple endpoints for: checkout creation and payment processing (POST /v1/checkouts, GET /v1/payments/{paymentId}), server-to-server integrations, tokenization/registration (POST /v1/registrations), backoffice operations (capture, reversal, refund), webhooks for asynchronous notifications, and reporting (transaction search, settlement reports). Authentication uses Authorization Bearer header with access tokens. Throttling limits vary by endpoint (e.g., 9 requests/minute for payment status checks, 2 requests/minute for server-to-server payment status). The API uses JSON response format with UTF-8 encoding. Test environment available at https://test.emetec.pro/, Live environment at https://emetec.pro/. Enhanced endpoint also available: https://eu-prod.emetec.pro/ for production and https://eu-test.emetec.pro/ for customer test environment. Developer documentation is at docs.emetec.pro.
What industry is Emetec in?
Emetec's product category is Payment Orchestration Platform. Its primary akta.pro industry code is FSAGABAC, Payment Processing & Acquiring Infrastructure, with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 522320 and its SIC code is 7372.