COLIBRIX ONE

What COLIBRIX ONE does

COLIBRIX ONE is a Malta-headquartered, privately held global payment platform operating as a trading name of Mellifera Operations Limited (UK) and Mellifera Kartiera Limited (Malta, MFSA-authorised EMI ref. C107685). The company provides an integrated stack spanning card acquiring, unlimited Visa and Mastercard virtual card issuance (marketed to ad agencies and affiliates under the COLIBRIX PARTNERS sub-brand), and multi-currency corporate business accounts with dedicated IBANs, SEPA, and SWIFT transfers. Infrastructure is built on direct Principal Memberships at Visa (achieved 2025) and Mastercard (achieved 2022), with stacked regulatory credentials including FCA authorisation in the UK, MFSA EMI status in Malta, and a VISA High-Risk Licence that enables servicing of higher-risk merchant verticals. Additional modules include Mass Payouts via Visa Direct and Mastercard MoneySend, Open Banking coverage across 30+ European markets under PSD2, support for local alternative payment methods (Multibanco, BLIK, Bancontact, MB Way, EPS, Apple Pay, Google Pay, Samsung Pay), PCI DSS and GDPR compliance, and 3D Secure 2 authentication.

The company reports 12 million+ transactions per year across 130+ countries with 90% card approval rates, and operates offices in Malta, Barcelona (opened 2025 as European hub), and Vienna. Revenue is generated on a transaction-based take-rate model across acquiring, virtual card issuing, and cross-border payment services, with custom quote-based enterprise pricing and no publicly disclosed fee schedules. Distribution is hybrid: direct enterprise sales via contact forms, self-serve account management at app.colibrix.one, and a dedicated affiliate channel through the COLIBRIX PARTNERS portal targeting media buyers and ad agencies. The customer base is segmented across eCommerce, international businesses, ad agencies/affiliates, healthcare/manufacturing, and startups — with no named enterprise logos disclosed. The company also markets an AI-driven posture through fraud detection, agentic commerce orchestration, and lead-partner positioning in BitGN's Agentic Ecommerce Challenge (ECOM2), though proprietary in-house AI model development is not evidenced.

Name

COLIBRIX ONE

Legal name

COLIBRIX ONE is a trading name used by Mellifera Operations Limited and Mellifera Kartiera Limited

Website

https://colibrix.one

Company type

Private

Founded year

2020

Operating status

Operating

Short description

COLIBRIX ONE is a Malta-headquartered payment platform offering card acquiring, unlimited Visa and Mastercard virtual cards, and multi-currency business accounts to eCommerce merchants, ad agencies, and cross-border businesses across 130+ countries, built on dual Visa and Mastercard principal memberships.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro industry

PRIMARYFSAGALAC

Embedded Card Issuing & Card-as-a-Service

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAMANAK

Prepaid Card Program Managers & Issuers (BIN Sponsors)

Financial & Insurance/Payments & Transaction Processing/Prepaid, Gift Cards & Stored Value

SECONDARYFSAMAAAF

Commercial & Corporate Card Schemes

Financial & Insurance/Payments & Transaction Processing/Card Networks & Schemes

Keywords

• Payment processing
• Card acquiring
• Virtual card issuing
• Multi-currency business accounts
• Open banking payments

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing and Card Acquiring: Transaction-based revenue from card payment processing for merchants. Supports card processing, mass payouts, and multiple alternative payment methods (APMs) including Multibanco, BLIK, Bancontact, MB Way, EPS, Apple Pay, and Google Pay.
2. Virtual Card Issuing: Revenue from issuing unlimited virtual cards for ad agencies and affiliates, with API access for automated card management. Supports Visa and Mastercard virtual cards for ad spend across TikTok, Meta, Google, and other platforms.
3. Corporate Business Accounts: Business account services providing multi-currency management, dedicated IBANs, SEPA and SWIFT transfers with 48-hour onboarding for international businesses.
4. Cross-Border Payment Services: Revenue from cross-border payment settlement, multi-currency conversions, and international transfer services including SEPA Instant payments and SWIFT transfers for EUR, USD, PLN currencies.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

COLIBRIX ONE provides an integrated payment platform delivering card acquiring, unlimited Visa and Mastercard virtual card issuance, and multi-currency corporate business accounts for online merchants, international businesses, and ad agencies. As a principal member of Visa and Mastercard and a licensed Electronic Money Institution in the EU and UK, the company processes payment transactions, issues virtual cards for ad spend management, and supports cross-border settlements with dedicated IBANs, SEPA, and SWIFT transfers.

Product overview

COLIBRIX ONE is a global payment ecosystem built as an integrated platform for companies operating online, scaling fast, and needing financial infrastructure to match. The platform combines three core product lines: Global Acquiring (payment processing and card acquiring), Virtual Cards (unlimited Visa/Mastercard virtual cards under the COLIBRIX PARTNERS sub-brand), and Business Accounts (multi-currency corporate accounts with dedicated IBANs). These products share unified infrastructure—principal memberships with Visa and Mastercard, regulatory licensing in the UK and EU, and shared API layers—enabling merchants to accept payments, issue virtual cards, and manage cross-border payouts from a single platform. Additional modules include Mass Payouts, Open Banking, and support for multiple Alternative Payment Methods (APMs) to serve diverse verticals and geographies.

Differentiator

Problem solved

Functional benefit

Brands

• COLIBRIX PARTNERS: Virtual card solution for affiliates and media buyers offering unlimited Visa & Mastercard virtual cards for ad spend management on platforms like TikTok, Meta, and Google.

Products and services

• Global Acquiring All-in-one payment acquiring platform for businesses of any size and sector. As a principal member of Visa and Mastercard and a licensed EMI in the EU and UK, it provides secure, compliant card acquiring and payment processing services for low-risk to high-risk industries. Supports multiple Alternative Payment Methods (Multibanco, BLIK, Bancontact, MB Way, EPS, Apple Pay, Google Pay) and 3D Secure 2 authentication.
• Virtual Cards Unlimited Visa and Mastercard virtual cards for ad agencies and affiliates to manage ad spend across TikTok, Meta, Google, and more. Includes role-based controls, instant funding, and API for automated card creation, funding, and management.
• Business Accounts Multi-currency corporate accounts with dedicated IBANs, international payments, and SEPA/SWIFT transfers. Provides cash flow control, PCI DSS compliance, and Open Banking integration for businesses of all sizes with 48-hour onboarding.
• COLIBRIX PARTNERS Dedicated sub-brand and channel program for virtual card distribution to ad agencies, affiliates, and media buyers. Provides unlimited Visa and Mastercard virtual cards with a separate portal at app.colibrix.partners.

Quantifiable outcome

• 90% approval rates for card processing
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability8 records

Feature6 records

Partnerships

One partnership is on record.

• BitGNcoreStrategic or Co-development Partner · 1 January 2025COLIBRIX ONE serves as the lead partner for BitGN's Agentic Ecommerce Challenge (ECOM2), an AI competition focused on developing AI agents for payments, fraud detection, and customer service at scale. The challenge simulates real-world e-commerce scenarios and attracts developers worldwide, positioning COLIBRIX as a technology leader in the payment AI space.

Scale indicators5 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Nuvei: Global payments technology firm with acquiring, card issuing, and high-risk vertical support — directly comparable to COLIBRIX on the high-risk acquiring niche.
• Airwallex: Cross-border payments platform combining multi-currency business accounts, FX, card issuing, and acquiring for global SMEs — a near-direct functional overlap with COLIBRIX's three-pillar offering.
• SumUp: European-headquartered payment processor offering acquiring and business accounts to small merchants across Europe — comparable geography and SMB target segment to COLIBRIX.
• Checkout.com: Principal member of Visa and Mastercard offering global acquiring, card issuing, and embedded financial services; competes in the same enterprise and high-growth merchant segments as COLIBRIX.
• Stripe: Global payment infrastructure provider offering card acquiring, virtual Issuing (Stripe Issuing), and multi-currency business accounts. Competes head-to-head with COLIBRIX across all three product lines for online merchants.
• Mollie: European payment processor offering acquiring, multi-currency accounts, and card products primarily to SMEs across the same European geographies COLIBRIX targets.
• Pleo: European SMB-focused provider of virtual/physical cards and business spend management — closely comparable to COLIBRIX PARTNERS and Business Accounts products for SME spend automation.
• Wise Business: Multi-currency business accounts, IBANs, and card issuing for cross-border SMEs — directly comparable to COLIBRIX's Business Accounts value proposition on FX and cross-border payments.

Broad incumbents

• Adyen: Large incumbent acquirer with unified global processing, card issuing, and multi-currency settlement serving enterprise merchants — overlaps with COLIBRIX on acquiring and card issuing but at a vastly larger scale.
• Revolut Business: Multi-product neobank offering business accounts, IBANs, and card issuing to European SMEs — overlaps with COLIBRIX's Business Accounts and Virtual Cards but with a much broader consumer franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/colibrixone
• Instagraminstagram.com/colibrix.partners
• Xx.com/colibrix_one

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 COLIBRIX ONE