“Can carbon-offsetting payment infrastructure become a general-purpose corporate payouts and expense platform for niche-industry businesses?”
Founded circa 2020 as a sustainable fintech company in the UK, CarbonPay set out to combat greenwashing by embedding automatic carbon offsetting directly into corporate payment cards. The company built its card-issuing product on Stripe Issuing and Stripe Connect, launching CarbonPay Business Ctrl in 2022 for US and UK businesses. More recently the company has broadened its positioning beyond the carbon-offset card story toward a general-purpose corporate payouts gateway and expense management platform serving niche industries, operating branded products under secorepay.com and nautzero.com in addition to the core carbonpay.io brand.
Carbonpay discloses Stripe as its banking provider, according to the Embedded Finance Index 2026.
Carbonpay does not disclose a bank charter of its own; its banking services are provided through Stripe.
Carbonpay processes payments through Stripe Connect and stripe.
Carbonpay's cards are issued through Stripe Issuing.
The Embedded Finance Index 2026 maps 3 layers in Carbonpay's stack: Payments / PSP (Stripe Connect and stripe); Banking / BaaS (Stripe); Card issuing (Stripe Issuing).
Carbonpay was founded by Rory Spurway and is founded in 2020, headquartered in Sevenoaks, Kent, UK.
Get a read on where your own stack stands against Carbonpay 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.