Papa Johns
“Can Papa Johns modernize its digital ordering and payment infrastructure to reduce transaction costs, improve acceptance rates, and compete effectively as consumer expectations shift toward frictionless, multi-rail checkout experiences?”
Papa Johns was founded in 1984 as a traditional pizza delivery and dine-in chain and grew through franchising into one of the world's top-three pizza brands. The company has increasingly invested in digital ordering technology to compete with delivery aggregators. In the UK, the brand has been an early adopter of open banking payments via TrueLayer's Pay by Bank, reducing payment costs and diversifying away from card rails. The US business relies on traditional card acquiring and corporate credit facilities with major banks rather than embedded fintech infrastructure.