“Can a Dutch iDEAL-native PSP evolve into a full omnichannel financial operations platform (payments + acquiring + capital + accounting) for European merchants?”
Buckaroo has operated since 2005 as a Dutch PSP holding a DNB Payment Institution licence and an iDEAL acquiring licence. Following its 2023 merger with SEPAY, it moved from pure online payments into omnichannel including POS terminals. That same year, it replaced its card acquiring stack with Silverflow's cloud-native card processing platform, and in 2025 layered in embedded merchant financing (Buckaroo Capital, powered by YouLend). The addition of a Buckaroo Wallet and Buckaroo Accounting connector shows a push to become a broader financial operations layer for Dutch merchants rather than a single-rail PSP.
Buckaroo processes payments through Buckaroo (self-operated) and Silverflow. Disclosed money-movement rails: iDEAL.
Buckaroo's lending and capital products are provided by YouLend.
The Embedded Finance Index 2026 maps 3 layers in Buckaroo's stack: Payments / PSP (Buckaroo (self-operated) and Silverflow); Money movement (iDEAL); Lending (YouLend and Buckaroo Capital).
Buckaroo is founded in 2005 and headquartered in Utrecht, Netherlands.
Buckaroo's acquisitions include SEPAY (2023).
Get a read on where your own stack stands against Buckaroo and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.