“Can a licensed open banking infrastructure provider (PISP/AISP) become the default A2A payment rail for European platforms and enterprises?”
Nuapay, operating as the trading name of Sentenial Ltd, started as a direct debit and bank transfer infrastructure provider for UK and European businesses. The company pivoted toward open banking early, becoming a licensed PISP and AISP in both the UK (FCA) and France (ACPR), and positioning itself as the 'industry's leading Account-2-Account payment environment.' It was subsequently acquired by GoCardless, which absorbed Nuapay's open banking capabilities to strengthen its own A2A payment offering, particularly for Instant Pay By Bank and SEPA/Faster Payments rails.
Nuapay discloses Sentenial Limited (Nuapay) (self-operated) as its banking provider, according to the Embedded Finance Index 2026.
Nuapay does not disclose a bank charter of its own; its banking services are provided through Sentenial Limited (Nuapay) (self-operated).
Nuapay processes payments through Nuapay Instant Pay By Bank (self-operated), Nuapay Direct Debit (self-operated) and Nuapay Credit Transfers (self-operated). Disclosed money-movement rails: SEPA and Faster Payments.
The Embedded Finance Index 2026 maps 3 layers in Nuapay's stack: Payments / PSP (Nuapay Instant Pay By Bank (self-operated), Nuapay Direct Debit (self-operated) and Nuapay Credit Transfers (self-operated)); Money movement (SEPA and Faster Payments); Banking / BaaS (Sentenial Limited (Nuapay) (self-operated)).
Nuapay is headquartered in London, England, UK (head office: 1 Primrose Street, London EC2A 2EX); also Kildare, Ireland.
Get a read on where your own stack stands against Nuapay 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.