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CM.com

“Can a European CPaaS company own the full 'conversation → transaction' stack — messaging, AI agents, and payments — as the sovereign EU alternative to Twilio + Stripe?”

Founded1999
HQBreda, Netherlands
FoundersJeroen van Glabbeek, Gilbert Gooijers
Latest roundIPO (Euronext Amsterdam, 2020)
IndustryInfrastructure / Payments
The story

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.

Last 12 months
—
Product timeline
0
Launched CM Payments as licensed EU PSP offering online + POS payments· banking
1999
Founded as ClubMessage by Jeroen van Glabbeek and Gilbert Gooijers to send SMS for nightclubs· pivot
2000
Expanded into TV voting via SMS for MTV Awards, Idols, Big Brother, Eurovision· pivot
2020
IPO on Euronext Amsterdam under ticker CMCOM.AS· ipo
Acquisitions
Global Ticket
Ticketing platform integrated into CM.com's Live suite
Appmiral
Event/festival mobile app platform now part of CM.com's Live suite
Yourticketprovider
Ticketing platform integrated into CM.com's Live suite
Regulated entities
1
regulatory licence held by CM.com
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
7 layers disclosed in CM.com’s embedded-finance stack
Payments / PSP
CM Payments (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Card network
in the full report
KYC
in the full report
FX & payouts
in the full report
Tax
in the full report
Accounting gap: minor
8 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.