Nuapay
“Can a licensed open banking infrastructure provider (PISP/AISP) become the default A2A payment rail for European platforms and enterprises?”
HQLondon, England, UK (head office: 1 Primrose Street, London EC2A 2EX); also Kildare, Ireland
IndustryInfrastructure / Open banking
The story
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.
Last 12 months
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Regulated entities
Authorised Payment Institution (API)
UK (FCA)
Sentenial Limited (trading as Nuapay)
Payment Institution (PISP/AISP)
France (ACPR)
Sentenial Limited (trading as Nuapay)
The stack
Payments / PSP
Nuapay Instant Pay By Bank (self-operated)Nuapay Direct Debit (self-operated)Nuapay Credit Transfers (self-operated)
Banking / BaaS
Accounting gap: none