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The new standard for businesses with complex money movement.

For businesses that need more than a standard provider, Paynovate brings payments, accounts, and cards together through one regulated partner.

Get started

Hands holding a white card reader as a credit card is inserted for payment.

In-store payments

Barista wearing apron working on a tablet behind a wooden counter in a coffee shop.

€3.4B acquiring volume
processed in 2025

Payment terminal on a wooden surface showing $59.13 with insert, tap, or swipe options.

Card Issuing

Partially open Apple laptop illuminated by purple and orange lighting, showing keyboard and trackpad.

Business Accounts

Dotted world map with markers showing various global currency symbols by region.

Person holding a credit card and typing on a laptop keyboard, suggesting online payment or shopping.

Hospitality

Overhead view of two people using a tablet and phone with a hairbrush and beauty products on table.

One platform.
Accounts, payments,
and cards.

Group of people working on laptops around a table with a small potted plant in the center.

Nearly 2 million cards issued in 2025

Person making a payment using smartphone with a small card reader held by another person at the counter.

149K+ terminals activated across our partner network

Paynovate is a fintech company providing a broad range of payment services worldwide. Paynovate is licensed and registered as an electronic money institution with the National Bank of Belgium.

Build the flow your business needs. Accept money. Hold money. Move money. Issue cards. Use one capability or connect several, without forcing your model into a provider’s default setup.

Accept payments in person

Black Paynowate contactless payment terminal showing amount €11.13 and multiple payment options.

A handheld payment terminal displaying a digital receipt with options to SMS, email, or print the receipt.

Hand holding a payment terminal while another hand holds a Mastercard credit card near it for payment.

Open a Business IBAN account

Hands holding a smartphone showing financial app with deposits, stats, and virtual credit cards.

Launch programs

Accept payments online

Assess complexity properly

Indicative onboarding timelines by risk level

Low

2-days

Medium

2-weeks

High

1-month

Handshake between two people, one wearing a checkered jacket, the other a light blue shirt.

Partner with a team that understands how your business works

Security and compliance built into every payment.

Regulated foundation

We operate as a licensed Electronic Money Institution, regulated by the National Bank of Belgium and built to support payments, accounts and card services across Europe.

Safeguarded client funds

We keep client funds separate from our own operational money, holding them in safeguarded accounts in line with regulatory requirements.

Compliance from onboarding onward

We review every business before onboarding through KYB checks, then continue with transaction monitoring and periodic compliance reviews.

Independent review

We are PCI DSS certified and undergo regular third-party audits and reviews from industry stakeholders and local authorities.

Data protection and resilience

We protect information through controls, monitoring, review and testing, while supporting continuity and responsible operations across our services.

See how we manage security

Woman smiling while paying with phone at a cafe counter with coffee and pastry nearby.

Whatever you're building, we're the rails underneath.

From merchant payments to embedded finance and card or account programmes, we provide the licensed infrastructure behind different business models. Choose the route that matches how you operate.