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
2
regulatory licences held by Nuapay
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Nuapay’s embedded-finance stack
Payments / PSP
Nuapay Instant Pay By Bank (self-operated)Nuapay Direct Debit (self-operated)Nuapay Credit Transfers (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.