“Can an ASX-listed Australian fintech become the go-to payments infrastructure layer for Asia-Pacific businesses seeking to accept Asian wallets, issue cards, and disburse cross-border payments?”
Founded in 2015 as an Australian fintech focused on digital payments, Novatti listed on the ASX in 2019 and evolved into a multi-product payments infrastructure provider. The company expanded from online payment acceptance into card issuing, BIN sponsorship, and international B2B cross-border payments. Novatti also built a developer-facing API platform supporting Asian wallets (Alipay, WeChat Pay, UnionPay), enabling Australian and international businesses to accept payments from Chinese consumers. Its pivot toward embedded finance infrastructure — offering acquiring, card issuing, BIN sponsorship, and cross-border payouts as platform services — positions it as a payments-as-a-service layer for other businesses and fintechs in the Asia-Pacific region.
Novatti processes payments through Novatti Payments (self-operated), Adyen, Authorize.Net, Braintree, Dwolla and BitPay.
Novatti's cards are issued through Novatti (self-operated, Visa BIN Sponsor).
Novatti uses Novatti International Payments (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in Novatti's stack: Payments / PSP (Novatti Payments (self-operated), Adyen, Authorize.Net, Braintree and 2 others); Card issuing (Novatti (self-operated, Visa BIN Sponsor)); FX & payouts (Novatti International Payments (self-operated)); Crypto (BitPay and Coinbase).
Novatti is founded in 2015 and headquartered in Melbourne, Victoria, Australia.
Novatti has raised $10.5M in total (latest round: Post-IPO Equity).
Get a read on where your own stack stands against Novatti 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.