Payabl
“Can a European-licensed payments and EMI platform deliver an all-in-one money-flow stack (acquiring + multi-currency accounts + payouts + crypto) to merchants?”
HQCyprus (with UK subsidiary)
IndustryInfrastructure / Payments
The story
Payabl. is a European payments technology provider operating as a regulated Payment Institution in Cyprus and an Electronic Money Institution in the UK. It offers card acquiring, a payment gateway with 300+ local payment methods, multi-currency business accounts (payabl.one), virtual corporate cards, global payouts via Visa Direct/Mastercard Send/SEPA/SWIFT/FPS, and crypto/stablecoin settlements.
Last 12 months
Regulated entities
2
regulatory licences held by Payabl
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Payabl’s embedded-finance stack
Payments / PSP
Payabl. checkout (self-operated)Payabl. in-store / POS (self-operated)
Banking / BaaS
in the full report
Card network
in the full report
Open banking
in the full report
FX & payouts
in the full report
Accounting gap: significant
9 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.