Business models have evolved. Payment infrastructure hasn’t kept up.
Companies are entering new markets, serving customers in new ways and building revenue models that do not fit neatly into traditional payment setups.
But too often, the systems behind the money are still rigid, fragmented or too slow to adapt.
Paynovate exists to close that gap. We bring together regulated infrastructure, licences, scheme connectivity and operational expertise to help businesses move, accept and manage money with the flexibility their model demands.
The best businesses should not have to fit someone else’s payment model.
A business may need acquiring, issuing, accounts or a combination of all three. It may need to operate across markets, manage different flows or support a more complex customer journey. That should not mean stitching together providers, adding unnecessary layers or slowing down the business.
Paynovate gives companies a regulated payment environment that can be shaped around how they actually operate.and accounts into one regulated environment, giving businesses the foundation to move faster, operate with control and build without forcing their model into someone else’s box.
Purpose-designed to support complex payments, at scale.
Fully regulated
We hold our own EMI licence and are a principal member of major schemes, so businesses can build on regulated infrastructure without unnecessary layers.
Everything under one roof
Acquiring, issuing and accounts sit in one environment, reducing fragmentation and making it easier to move from setup to execution.
Built in Belgium. Ready for Europe.
We combine local depth with European reach, supporting businesses across all 27 EU countries with teams in Brussels, Paris and Newcastle.
Proven at scale.
Nearly 2 million cards issued on our infrastructure. Billions in acquiring volume processed. Years spent handling the edge cases most providers never see.
Over a decade in the details of payments.
2010
Partnership with Belgacom for PingPing, one of Belgium's first NFC micropayment systems.
2011
First certified payment terminal: the 8000+ with GPRS connectivity.
2014
First financial licence obtained. Acquiring activated for Visa and Mastercard.
2015
80% market share of the Direct Sales sector in Belgium.
2019
EMI licence granted. Principal membership with Bancontact and Visa. 20,000+ terminals deployed. Monthly acquiring reaches €20M+.
2020
30,000+ terminals. 400,000+ total cards issued. Monthly acquiring surpasses €80M.
2022
Acquiring crosses €200M per month. IBAN accounts launched with SCT, Instant SCT, and SDD.
2023
French establishment created in October 2023, with French bank code confirmed in May 2025. EMI licence extended across the 27 EU countries and the UK. Principal membership secured as both issuer and acquirer for Mastercard, Visa, China UnionPay and Bancontact-Payconiq. Offices opened in Newcastle and Paris.
2025
€3.4B+ in annual acquiring volume. 1.9M+ cards on platform. 27,692 active terminals.
Behind every payment setup is a team that gets it right, everytime.
Many businesses come to Paynovate when the standard setup is not enough.
They need infrastructure, but they also need judgement. People who understand the details, ask sharper questions and stay close when the answer is not obvious.
Because in payments, trust is built in the execution. Every flow, approval, settlement and support moment has to work properly.
That is why we keep building a team with the expertise, ownership and care to make complex payments feel clear, controlled and reliable.
The habits behind better payments work.
