“Can a European CPaaS company own the full 'conversation → transaction' stack — messaging, AI agents, and payments — as the sovereign EU alternative to Twilio + Stripe?”
Founded 1999 as ClubMessage — an SMS gateway for nightclubs — CM.com grew into a Dutch CPaaS category leader by riding SMS voting on TV shows (Idols, Eurovision). Over 27 years it stacked additional revenue lines (voice, WhatsApp/RCS, ticketing, customer data platform, HALO AI agents) and became a licensed EU PSP offering online + POS payments alongside conversations. Today its pitch is 'one platform for every customer interaction' where messaging, AI, and payments share one customer context — with sovereignty and EU data residency as differentiation.
CM.com processes payments through CM Payments (self-operated). Disclosed money-movement rails: SEPA, Wero and iDEAL.
CM.com uses Sekura Mobile Intelligence for KYC and identity verification.
CM.com uses CM Payments (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 5 layers in CM.com's stack: Payments / PSP (CM Payments (self-operated)); Money movement (SEPA, Wero and iDEAL); KYC (Sekura Mobile Intelligence); FX & payouts (CM Payments (self-operated)); Tax (Vertex).
CM.com was founded by Jeroen van Glabbeek and Gilbert Gooijers and is founded in 1999, headquartered in Breda, Netherlands.
CM.com's acquisitions include Global Ticket, Appmiral and Yourticketprovider.
Get a read on where your own stack stands against CM.com 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.