CASHlib
CASHlib is a Luxembourg-based fintech that issues prepaid 16-digit voucher PINs enabling consumers to pay online with cash at 100,000+ European retail points of sale, serving unbanked and privacy-conscious consumers via a licensed e-money distribution model.
- Company typePrivate
- Founded-
- HeadquartersNicosia, Cyprus
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CASHlib does
CASHlib is a privately held European fintech that operates a prepaid voucher payment scheme enabling consumers to make online purchases without a bank account, credit card, or registered account. The legal operating entity is Prepaid Optimal Solutions SA (POS), registered in Luxembourg under number B216209, which functions as an electronic money distributor for Sureswipe E.M.I. PLC—a Cyprus-registered e-money institution authorized by the Central Bank of Cyprus (license no. 115.1.3.26). The core product is a 16-digit PIN-based voucher available in €10, €25, €50, €100, and €150 denominations, sold through 100,000+ physical retail points of sale across France, Belgium, Spain, Netherlands, Germany, Greece, Poland, Czech Republic, and Portugal, plus authorized online resellers and direct sales on cashlib.com. Secondary products include CASHlib Direct (a barcode-based instant top-up for KYC-verified users) and CASHlib Tools (utilities for combining, splitting, and currency-converting voucher balances).
The platform architecture relies on real-time online validation of voucher codes against participating merchants, with no banking details exchanged—providing both privacy and chargeback-free settlement. CASHlib Direct adds a barcode layer that links directly to merchant websites at point-of-sale scanning, eliminating manual PIN entry for registered users. The optional My CASHlib account raises per-transaction limits from €50 to €1,200 after identity verification, creating an upsell path from anonymous cash users to registered, higher-value consumers.
CASHlib monetizes through transaction fees on voucher sales and commissions from its multi-sided partner ecosystem of retailers, e-merchant integrators, and online resellers (including Cartedirecte, VGO-Shop, Eneba, Dundle, and beCHARGE). The target customer base spans unbanked and underbanked EU consumers (cited as 35% of EU citizens lacking credit cards), privacy-conscious credit card holders, and cash-preferring users. Merchant-side demand is concentrated in iGaming, streaming, e-commerce, and lottery verticals. Geographic operations extend beyond the EU to Switzerland, New Zealand, and Australia via localized domains operating under distinct AML/CFT regimes.
CASHlib firmographics
Firmographics- Name
- CASHlib
- Legal name
- Prepaid Optimal Solutions SA
- Website
- https://cashlib.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CASHlib is a Luxembourg-based fintech that issues prepaid 16-digit voucher PINs enabling consumers to pay online with cash at 100,000+ European retail points of sale, serving unbanked and privacy-conscious consumers via a licensed e-money distribution model.
- Ownership category
- akta.pro rank
CASHlib industry classification
Industry- Product category
- Prepaid Payment Services
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Cash-to-Digital Networks (PayNearMe, Barcode/Cash-in) (MPAEALAF)
- akta.pro secondary industry
- Prepaid, Gift Cards & Voucher-Based Payments (MPAEALAE)
Keywords
Where CASHlib is headquartered
LocationHeadquarters
- HQ city
- Nicosia
- HQ country
- Cyprus
- HQ region
- Europe
Offices2 records
Markets served
CASHlib business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure
Revenue model
- Voucher Transaction Fees: CASHlib earns revenue through processing fees applied to online voucher sales. The company markets vouchers issued by licensed Electronic Money Institution Sureswipe EMI PLC. Fees cover payment processing costs (credit card, electronic payment methods) plus technical and operational costs. Physical retail point sales are subject to distributor/partner terms.
- Partner Commission Revenue: Business partners (retailers, e-merchants, online distributors) earn revenue on every CASHlib voucher sold, generating commission income for the company through the partner ecosystem
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Standard Voucher (No Account) |
| Transaction based/ take rate | Pay-as-you-go | My CASHlib Account (Registered) |
| Transaction based/ take rate | Pay-as-you-go | Refund/Cancellation Fees |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels3 records
CASHlib product offering
Product offeringCore offering
CASHlib provides prepaid cash vouchers encoded as unique 16-digit PIN codes that let consumers pay online at participating merchants (iGaming, streaming, e-commerce, lottery) without a bank account or credit card. Vouchers are sold in fixed EUR denominations (€10, €25, €50, €100, €150) at 100,000+ physical retail points across Europe and via the cashlib.com website, then redeemed in real time through an online validation engine. A CASHlib Direct barcode reload option and My CASHlib registered account (with KYC verification) extend transaction limits up to €1,200 per transaction.
Product overview
CASHlib is a prepaid voucher-based payment scheme enabling cash-to-online payments. The core product portfolio consists of CASHlib Voucher (prepaid 16-digit PIN codes in €10-€150 denominations, purchasable at 100,000+ retail points or online) and CASHlib Direct (barcode-based instant top-up system requiring identity verification). An optional My CASHlib account raises transaction limits from €50 to €1,200. CASHlib Tools provides voucher management utilities including combine, split, and currency conversion. The company operates as an e-money distributor for Sureswipe E.M.I. PLC, regulated in the EU.
Differentiator
Problem solved
Functional benefit
Brands
- CASHlib Voucher: Prepaid cash voucher that transforms cash into a unique 16-digit PIN code for online payments. Available in denominations of €10, €25, €50, €100, and €150.
- CASHlib Direct
Products and services
- CASHlib Voucher Prepaid cash voucher that converts physical cash into a unique 16-digit PIN code enabling online payments without a credit or debit card at participating merchants in iGaming, streaming, e-commerce, and lottery. Available in €10, €25, €50, €100, and €150 denominations and sold at 100,000+ retail points or online.
- CASHlib Direct Barcode-based instant top-up solution that eliminates manual PIN entry. Identity-verified users receive a personalized barcode that can be scanned at convenience stores for immediate account reload with no failed transactions.
- My CASHlib Account Free registered user account with KYC identity verification that raises transaction limits to up to €1,200 per transaction (versus €50 without an account) and provides balance management plus automatic barcode generation for CASHlib Direct reloads.
Quantifiable outcome
- 35% of EU citizens do not have a credit card, representing an underserved market segment
- +1 more outcomes
Companies that use CASHlib
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
CASHlib technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
CASHlib partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and major.
- Retail OutletscorePhysical retail stores that sell CASHlib vouchers in face-to-face transactions. Retailers benefit from new customer footfall and commission revenue on each voucher sold. CASHlib provides a zero-risk product with regulatory compliance built in.
- E-merchants (Participating Merchants)coreOnline businesses that integrate CASHlib payment acceptance into their checkout. Merchants benefit from increased conversion rates, elimination of chargeback risk, and access to cash-preferring customers.
- Online ResellersmajorAuthorized online distributors including Cartedirecte.fr, VGO-Shop, ClickAndRecharge, Eneba, Dundle, beCHARGE, Recharge.fr, Topengo, and GameCardsDirect who sell CASHlib vouchers digitally to end customers.
- Online Distributors (Pinshops)majorPinshop operators who add CASHlib to their prepaid services offering for online customers, generating additional income streams from existing customer base.
- Sureswipe E.M.I. PLCcoreLicensed electronic money institution registered in Cyprus, authorized by Central Bank of Cyprus (license no. 115.1.3.26). Issues e-money for CASHlib vouchers and provides regulatory oversight as the primary financial partner.
Scale indicators3 records
Recent moves6 records
Expansion highlights7 records
CASHlib competitors and assessment
Company assessmentDirect peers
- Paysafecard: Paysafecard is the closest direct peer: a16-digit prepaid PIN voucher used to pay online without a bank account or credit card, sold at retail points across Europe. Both products target unbanked/privacy-conscious online consumers and compete for the same merchant integrations.
- PayNearMe: PayNearMe operates a cash-to-digital network enabling cash payments at retail for online bills, gaming, and e-commerce — directly mirroring CASHlib's barcode/cash-in model and gaming/e-commerce merchant focus.
- Neosurf: Neosurf issues prepaid voucher codes for online payments, primarily targeting European markets and iGaming merchants — highly comparable product mechanics (PIN-based prepaid), distribution model, and vertical mix to CASHlib.
- Flexepin: Flexepin provides prepaid cash vouchers (16-digit codes) redeemable online, with strong iGaming and digital services exposure across Europe — directly overlapping with CASHlib's PIN-based cash-to-online proposition.
- AstroPay: AstroPay offers prepaid voucher and digital payment solutions for cross-border online merchants, particularly in gaming and e-commerce across emerging markets — directly comparable to CASHlib's prepaid voucher model.
Emerging players
- ecoPayz: ecoPayz provides prepaid payment accounts and voucher-style solutions serving iGaming and digital merchants in Europe. Comparable as an alternative prepaid/online payment method in the same merchant verticals, though primarily account-based rather than physical voucher-driven.
Broad incumbents
- InComm Payments: InComm is a large prepaid products and payments technology company operating gift card and prepaid voucher networks globally via retail distribution. Comparable in retail distribution scale and prepaid product mechanics, though serving a broader portfolio of use cases.
- Blackhawk Network: Blackhawk Network operates one of the world's largest physical and digital prepaid networks, distributing gift cards and payment instruments at retail. Comparable as a scaled retail-distributed prepaid incumbent, though broader in product scope.
Regional players
- Reloadit: Reloadit offers prepaid reload cards/vouchers used for online payments, primarily distributed via US retail. Comparable prepaid product mechanic, but geographically distinct from CASHlib's European focus.
- Transcash: Transcash is a French prepaid card and voucher provider enabling cash-to-digital payments for online use, including gaming — comparable in product category and target use cases but operating as a regional (France-focused) player.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
CASHlib social profiles
Digital presenceCASHlib compliance and trust
Trust signalCompliance4 records
CASHlib financial estimates
Financial estimateRevenue estimate
Valuation estimate
CASHlib leadership team
Management profileNumber of profiles
CASHlib funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CASHlib 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 CASHlib
What does CASHlib do?
CASHlib provides prepaid cash vouchers encoded as unique 16-digit PIN codes that let consumers pay online at participating merchants (iGaming, streaming, e-commerce, lottery) without a bank account or credit card. Vouchers are sold in fixed EUR denominations (€10, €25, €50, €100, €150) at 100,000+ physical retail points across Europe and via the cashlib.com website, then redeemed in real time through an online validation engine. A CASHlib Direct barcode reload option and My CASHlib registered account (with KYC verification) extend transaction limits up to €1,200 per transaction.
Is CASHlib a public or private company?
CASHlib is a private company. It is classified as unknown and is currently operating.
When was CASHlib founded?
CASHlib was founded in -1. It employs 11 to 50 people.
Where is CASHlib based?
CASHlib is headquartered in Nicosia, Cyprus, in the Europe region.
How does CASHlib make money?
Two revenue lines are on record. Voucher Transaction Fees are the primary driver. The others are partner Commission Revenue.
Who are CASHlib's main competitors?
Direct peers on record are Paysafecard, PayNearMe, Neosurf, Flexepin and AstroPay. ecoPayz is listed as an emerging player. Broad incumbents are InComm Payments and Blackhawk Network. Regional players are Reloadit and Transcash.
Does CASHlib have an API?
No public API is recorded for CASHlib.
What industry is CASHlib in?
CASHlib's product category is Prepaid Payment Services. Its primary akta.pro industry code is MPAEALAF, Cash-to-Digital Networks (PayNearMe, Barcode/Cash-in), with a secondary code of MPAEALAE, Prepaid, Gift Cards & Voucher-Based Payments. Its SIC code is 6199.