YowPay
Yowpay is a Luxembourg-based fintech that operates a SEPA-based account-to-account payment orchestration platform combining PIS/Open Banking, EPC QR, and manual SEPA flows with smart routing and Verification of Payee, serving European merchants, PSPs, and high-risk verticals (iGaming, crypto, FX) seeking lower-cost alternatives to card schemes.
- Company typePrivate
- Founded2022
- HeadquartersLuxembourg, Luxembourg
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What YowPay does
Yowpay Luxembourg S.à r.l. is a Luxembourg-incorporated fintech (registered B289233) that operates a SEPA-based account-to-account (A2A) payment orchestration platform targeted at European merchants, payment service providers (PSPs), acquirers, and high-risk/high-ticket verticals underserved by traditional card acquirers. Its core technology combines three SEPA initiation channels — Payment Initiation Services (PIS/Open Banking), EPC QR code payments, and manual SEPA credit transfers — inside a single smart-routed checkout flow, augmented by Verification of Payee (VoP) for fraud prevention, automated reconciliation via unique payment references, and dedicated Business IBANs (BE/FR and multi-country setups) opened in the merchant's name through regulated European electronic money issuer partners. The platform also ships mobile and smartwatch POS applications, including the world's first Open Banking/SEPA smartwatch POS co-developed with Huawei for Watch GT and Watch Ultimate devices, plus a modular Yow API exposed to PSPs and white-label platforms (notably Akurateco) for embedding SEPA as a managed alternative payment method.
The company makes money through flat transaction fees on SEPA-based A2A payments (positioned as "without %" relative to card scheme MDR), a subscription-style fee for its Transaction Data Information Service (AIS-based account data tooling invoiced on 15-day terms), and B2B2B revenue from embedding its orchestration layer into partner platforms. Go-to-market is hybrid: direct sales-assisted 20-minute demos and a self-serve merchant signup portal, plus a partner channel through white-label platforms, distribution via Huawei AppGallery for the smartwatch POS, and heavy presence at European iGaming and fintech conferences (ICE Barcelona, SiGMA Europe Rome, SiGMA Euro-Med Malta, TES Affiliate Conference Prague). Primary customer segments are EU-licensed and offshore-licensed iGaming operators, high-risk merchants (crypto, FX, CBD, adult, traffic), e-commerce merchants seeking card-fee reduction, and PSPs/acquirers seeking to add SEPA as a managed APM; secondary segments include B2B/subscription platforms and any EUR-denominated SEPA-area merchant. The company is led by CEO Christian Caumont and is privately held with no disclosed funding rounds or institutional investors in the available source material.
YowPay firmographics
Firmographics- Name
- YowPay
- Legal name
- Yowpay Luxembourg S.à r.l.
- Website
- https://yowpay.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Yowpay is a Luxembourg-based fintech that operates a SEPA-based account-to-account payment orchestration platform combining PIS/Open Banking, EPC QR, and manual SEPA flows with smart routing and Verification of Payee, serving European merchants, PSPs, and high-risk verticals (iGaming, crypto, FX) seeking lower-cost alternatives to card schemes.
- Ownership category
- akta.pro rank
YowPay industry classification
Industry- Product category
- Payment Orchestration Software
- akta.pro primary industry
- Smart Routing, Cascading & Payment Optimization (FSAMACAJ)
- akta.pro secondary industry
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
Keywords
Where YowPay is headquartered
LocationHeadquarters
- HQ city
- Luxembourg
- HQ country
- Luxembourg
- HQ region
- Europe
Offices2 records
Markets served
YowPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations, Others
Revenue model
- SEPA Payment Transaction Fees: Merchants are charged fees for processing SEPA-based A2A payments routed through Yowpay's platform (PIS, QR, Manual). Customer testimonials reference pricing as a flat fee structure "without %" (no percentage/MDR), positioning Yowpay as a cost-efficient alternative to card schemes.
- Transaction Data Information Services Subscription: Subscription-style fee for the Transaction Data Information Service (AIS-based account data and reconciliation tooling), invoiced to merchants with a 15-day payment term. Late payments accrue ECB refinancing rate + 10 percentage points.
- Partner/Channel Revenue via API Orchestration: Revenue from embedding Yowpay's SEPA orchestration into partner platforms (e.g., Akurateco), enabling PSPs and white-label platforms to offer SEPA as a managed APM. Provides scalable B2B2B revenue as partner platforms onboard merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Pricing not publicly disclosed; quote-based via demo |
| Subscription | Pay-as-you-go | Transaction Data Information Service fees (invoiced per merchant) |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels6 records
YowPay product offering
Product offeringCore offering
YowPay operates a SEPA-based account-to-account (A2A) payment orchestration platform for European merchants and payment service providers (PSPs). It unifies three SEPA initiation rails — Open Banking/Payment Initiation Service (PIS), EPC QR code scan, and manual SEPA credit transfer — under a single smart-routing checkout, with dedicated merchant-named Business IBANs (BE/FR), Verification of Payee fraud checks, and automated reconciliation against unique payment references.
Product overview
YowPay is a single unified SaaS platform for SEPA-based account-to-account (A2A) payment orchestration, composed of a core orchestration platform and several integrated modules: YowPay Business IBANs (dedicated merchant IBANs in BE/FR and other jurisdictions), the E-commerce Integration module, the Point of Sale Mobile App, and the partnership-enabled Open Banking Smartwatch POS Application built with Huawei. Around the core, YowPay offers a SEPA Orchestration Layer exposed to partners such as Akurateco, the Smart Routing feature spanning the three SEPA channels (Manual, EPC QR, Open Banking/PIS) with Verification of Payee, and a Cascade capability that recovers declined card transactions onto SEPA rails. The Yow API and hosted payment page tie the modules together and enable automated reconciliation, real-time tracking and direct merchant settlement.
Differentiator
Problem solved
Functional benefit
Products and services
- YowPay SEPA A2A Payment Orchestration Platform Core SaaS platform offering SEPA-based account-to-account payment orchestration for European merchants and PSPs, with intelligent smart routing across three SEPA initiation channels (Manual SEPA, EPC QR Code and Open Banking/PIS), dedicated business IBANs and automated reconciliation.
- YowPay Business IBANs Turn-key solution providing instant SEPA Business IBANs (BE/FR and multi-country setups) opened in the merchant's name at a regulated European electronic money issuer, supporting B2B/C2B inflows, card-processing settlement IBANs and instant payouts with no rolling reserves.
- YowPay E-commerce Integration E-commerce module that seamlessly integrates instant SEPA transfers into online stores, providing quick, secure checkout with branded payment pages, smart routing and abandoned-cart reduction.
- YowPay Point of Sale Mobile App Mobile POS application for in-person transactions allowing merchants to process SEPA instant payments anywhere by displaying an EPC QR code on their device, replacing traditional card terminals.
- YowPay Open Banking Smartwatch POS Application World's first Open Banking/SEPA smartwatch POS application co-developed with Huawei, turning Huawei Watch GT and Watch Ultimate devices into payment terminals that display a dynamic QR code driven by Yowpay's A2A orchestration so customers can complete instant SEPA payments with their smartphone.
- YowPay SEPA Orchestration Layer for PSPs and White-Label Platforms
Quantifiable outcome
- Up to 50% higher acceptance rates vs. Open Banking-only payment providers
- +4 more outcomes
Companies that use YowPay
Customer profileSegments6 records
Ideal customer profiles6 records
YowPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
YowPay partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered flagship / category-defining partnership, distribution channel for smartwatch pos, core channel and technology partnership, core technology partner for ais/pis flows, operational vendor (hosting) and industry association membership (ecosystem visibility).
- Huaweiflagship / category-defining partnershipCo-developed the world's first Open Banking/SEPA Smartwatch Point-of-Sale (POS) application, transforming Huawei smartwatches (Watch GT, Watch Ultimate) into payment terminals via dynamic QR codes generated by Yowpay's A2A orchestration. Announced at Barcelona in March 2026 and distributed via Huawei AppGallery. Yowpay CEO Christian Caumont described the partnership as integrating Yowpay's Open Banking/SEPA tech into Huawei's wearables to give merchants mobility and financial sovereignty.
- Huawei AppGallerydistribution channel for smartwatch posThe Yowpay-powered Open Banking/SEPA smartwatch POS app is distributed via Huawei's AppGallery, available for the Huawei Watch GT and Watch Ultimate series. This is the marketplace channel through which merchants and consumers access the joint Yowpay-Huawei POS application.
- Akuratecocore channel and technology partnershipStrategic partnership announced 15 December 2025 to expand SEPA payment capabilities across Europe. Akurateco's white-label payment platform (used by PSPs, acquirers, enterprise merchants, and banks) now natively supports SEPA payments through Yowpay's orchestration layer, giving PSPs and merchants a cost-efficient alternative to card schemes. Provides Akurateco's clients with a fully managed APM, smart routing, automated reconciliation, and access to multi-country IBANs (DE/LT/MT/UK).
- European AISP partners (unnamed)core technology partner for ais/pis flowsYowpay contracts with licensed Account Information Service Providers (AISPs) across the EU to retrieve merchant account data (IBAN, balances, transactions) via Strong Customer Authentication (SCA) and powers the Transaction Data Information Service. AISP authorization must be renewed by merchants every 90 days. Specific AISP names are not disclosed in source material.
- SC Web Software Development SRL (Bucharest)operational vendor (hosting)Hosting partner for Yowpay's website and infrastructure. Trade Registry J40/13186/2013, VAT RO32394183, address 54B Iancu de Hunedoara Blvd, Front Wing, 6th Fl., 011745 Bucharest 1, Romania. Listed as Yowpay's hosting provider on the Legal page.
- France Fintechindustry association membership (ecosystem visibility)Yowpay joined France Fintech, the representative association of France's fintech sector with 360+ members, in December 2024. Yowpay uses the network to set up strategic partnerships with fintech partners and expand its range of payment solutions, with France identified as Yowpay's preferred market.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
YowPay competitors and assessment
Company assessmentOthers
- Akurateco: White-label payment platform for PSPs and acquirers that now embeds Yowpay's SEPA orchestration. Akurateco is both a partner and an adjacent comparable in the PSP-enablement space, monetizing the same merchants Yowpay targets.
Direct peers
- TrueLayer: UK/EU-based Open Banking A2A payments and data platform. TrueLayer is the closest PIS/Open Banking competitor to Yowpay's smart-routing stack, serving merchants and PSPs with bank-initiated payments across Europe.
- Tink: Visa-owned Open Banking platform providing PIS and AIS across Europe. Tink competes with Yowpay on the Open Banking/PIS rail that Yowpay orchestrates alongside QR and manual SEPA flows.
- Trustly: Leading European A2A / Pay-by-Bank network now owned by Klarna. Trustly directly competes with Yowpay's SEPA A2A orchestration for European merchants and PSPs, offering bank-initiated payments across the SEPA zone.
- Mollie: European SMB-focused PSP offering SEPA Direct Debit, bank transfer and multi-method checkout. Mollie targets a similar merchant profile to Yowpay with a broader payment-method portfolio but less SEPA-A2A specialization.
Broad incumbents
- Stripe: Global payments platform increasingly adding A2A / bank-payment methods in Europe (Stripe Financial Connections, SEPA Direct Debit). Stripe is a broad incumbent whose expanding bank-rail coverage overlaps with Yowpay's e-commerce wedge.
- Adyen: Global payments incumbent offering unified card and local A2A methods across Europe. Adyen is a broad incumbent competitor whose expanding A2A offering (including SEPA) competes with Yowpay at the enterprise PSP and merchant level.
- Worldline: European payments incumbent serving merchants and financial institutions with acquiring and A2A solutions. Worldline is a broad incumbent competitor, particularly relevant in the SEPA-zone PSP and acquirer partnerships Yowpay targets.
- Klarna: Global Pay-by-Bank and BNPL incumbent that acquired Trustly. Klarna offers a much broader payments portfolio but competes directly with Yowpay's A2A proposition for European merchants.
Regional players
- iDEAL (Currence): Dominant Dutch A2A payment method with SEPA-adjacent architecture. iDEAL is a relevant regional comparator for Yowpay's QR-and-bank-transfer orchestration approach, though geographically concentrated in the Netherlands.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
YowPay social profiles
Digital presenceYowPay compliance and trust
Trust signalCompliance3 records
YowPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
YowPay leadership team
Management profileNumber of profiles
Profiles1 record
YowPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
YowPay 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 YowPay
What does YowPay do?
YowPay operates a SEPA-based account-to-account (A2A) payment orchestration platform for European merchants and payment service providers (PSPs). It unifies three SEPA initiation rails — Open Banking/Payment Initiation Service (PIS), EPC QR code scan, and manual SEPA credit transfer — under a single smart-routing checkout, with dedicated merchant-named Business IBANs (BE/FR), Verification of Payee fraud checks, and automated reconciliation against unique payment references.
Is YowPay a public or private company?
YowPay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was YowPay founded?
YowPay was founded in 2022. It employs 11 to 50 people.
Where is YowPay based?
YowPay is headquartered in Luxembourg, Luxembourg, in the Europe region.
How does YowPay make money?
Three revenue lines are on record. SEPA Payment Transaction Fees are the primary driver. The others are transaction Data Information Services Subscription and partner/Channel Revenue via API Orchestration.
Who are YowPay's main competitors?
Akurateco is listed as an others. Direct peers are TrueLayer, Tink, Trustly and Mollie. Broad incumbents are Stripe, Adyen, Worldline and Klarna. iDEAL (Currence) is listed as a regional player.
Does YowPay have an API?
Yes. YowPay exposes a modular SEPA API that merchants and PSPs can integrate to initiate SEPA payments, generate and manage dedicated business IBANs, automate reconciliation/payment matching, receive real-time payment notifications, and embed YowPay's payment page. Authentication is performed via API key (clé API) and the Yow mobile/web application is provided alongside the API; SCA is performed by the merchant's and customer's banking apps, not by Yow. The Terms and Conditions (FR) describe the "Yow API" used to retrieve transaction data via AIS or Business API, and a hosted payment page that displays an EPC QR code containing all transaction data for SEPA SCT Inst. Developer documentation is at www.yowpay.com/integration-documentation.
What industry is YowPay in?
YowPay's product category is Payment Orchestration Software. Its primary akta.pro industry code is FSAMACAJ, Smart Routing, Cascading & Payment Optimization, with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions.