Paybyrd
“Can a merchant-first payment orchestration layer built for Southern European mid-market merchants become the default multi-acquirer infrastructure for omnichannel businesses across 90+ markets?”
Founded2018
HQAmsterdam, Netherlands
IndustryInfrastructure / Payments
The story
Founded in 2018 in Amsterdam, Paybyrd took a build-from-scratch approach to omnichannel payment infrastructure, targeting mid-to-large merchants in Southern Europe (Portugal, Spain, Brazil) and beyond. The platform evolved from a pure payment gateway into a multi-acquirer orchestration layer, adding BNPL, DCC, tokenization, and POS coverage. Its embedded finance angle centres on white-label payment infrastructure for platforms and marketplaces, illustrated by the Mangopay partnership and its 'Platforms' product tier.
Product timeline
2018
Paybyrd founded in Amsterdam as an omnichannel payments platform built from scratch.· pivot
2022
Integrated Mangopay to optimise payment flows for marketplace merchants.· banking
2024
Expanded to 90+ markets and 192 currencies with DCC, covering online, POS, and link payment channels.· payments
2026
Published updated security and privacy pages confirming PCI DSS Level 1 certification and EU GDPR compliance.· pivot
Regulated entities
1
regulatory licence held by Paybyrd
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Paybyrd’s embedded-finance stack
Payments / PSP
Paybyrd Payments (self-operated)Mangopay
Banking / BaaS
in the full report
Lending
in the full report
Accounting gap: significant
8 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.