“Can an in-house Dutch acquirer/PSP with its own licenses become the go-to white-label omnichannel payment platform for European merchants and financial institutions?”
Founded 2011 in Spijkenisse as a Dutch PSP under TinTel B.V., Pay. has grown into a full-stack, DNB-regulated payment institution serving 35,000+ merchants across Europe. The company has expanded from online-only into omnichannel — combining acquiring, POS hardware, SoftPOS, BNPL, gift cards and white-label fintech infrastructure — and now positions itself as an in-house acquirer/processor for card networks and a white-label 'fintech partner' for financial institutions.