
The Portugal Fintech Report 2019
TOP 30 PORTUGUESE FINTECHS

PAYMENTS & MONEY TRANSFERS
INSURTECH
CAPITAL MARKETS & WEALTH MANAGEMENT
PERSONAL FINANCE
ALTERNATIVE FINANCING
GoParity
Raize
Seedrs
LENDING & CREDIT
Hold
Itscredit
ParcelaJá
Prazo.pt
BANKING INFRASTRUCTURE & ACCOUNTING
GoFact
InvoiceXpress
NetInvoice
BLOCKCHAIN & CRYPTO
Anchorage
Coinvision
UTRUSR
PAYMENTS & MONEY TRANSFERS
SWITCH


SWITCH IS OFFERING ITS SERVICES TO PAYMENT SERVICE PROVIDERS AND GOING TO THE OFFLINE MARKET.

ABOUT
Switch has created an abstraction layer on top of the existing payments infrastructure, so businesses can get access to the entire value chain through one simple API integration. The orchestration platform can add significant value to any payments operation by reducing technical investment and product deployment cycle, while aggregating transaction information from multiple sources into one consolidated data structure, that eases value added processes like Analytics, Dynamic Routing, Fraud Management, and Reconciliation.
HEADQUARTERS

Oporto
PRESENCE

Global

TARGET CLIENTS
STAGE

Seed
Anyone who processes payments online

FOUNDATION

2014
IFTHENPAY


IFTHENPAY HAS MOVED MORE THAN € 400 M IN 2018, AND HAS MORE THAN 14.000 SIGNED CONTRACTS WITH COMPANIES

ABOUT
IFTHENPAY process payments in digital ways and move
money between entities; starting an own method of
payment.
HEADQUARTERS

Aveiro
PRESENCE

Europe

TARGET CLIENTS
Businesses
STAGE

Series C

FOUNDATION

2013
EASYPAY


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A

TARGET CLIENTS
Anyone who processes payments online

REGTECH & CYBERSECURITY
FOUNDATION

2007
FEEDZAI



ABOUT
Feedzai is the market leader in fighting fraud with AI. It is coding the future of commerce with today’s most advanced risk management platform powered by big data and machine learning. Founded and developed by data scientists and aerospace engineers, Feedzai has one mission: to make banking and commerce safe. The world’s largest banks, processors, and retailers use Feedzai’s fraud prevention and anti-money laundering products to minimize risk, while optimizing customer experience.
HEADQUARTERS

US
PRESENCE

US, Portugal, UK and Hong

TARGET CLIENTS
STAGE

Scale-up
Banks, issuers, acquirers and merchants

FOUNDATION

2009
LOQR

IN 2019, YTD, LOQR HAS ACHIEVED € 1 M ARR

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
FYDE


ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
COVERFLEX

EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
DRIVIT


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
HABIT ANALYTICS


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
LOVYS


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
KEEP WARRANTY


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
ADVICEFRONT


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
PASS


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
COMPARAJÁ.PT


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
DOUTOR FINANÇAS
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EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
GOPARITY


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
RAIZE


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
SEEDRS


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
HOLD


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
ITSCREDIT


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
PARCELAJÁ


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
HAPI


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
PRAZO.PT


EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
STUDENTFINANCE

EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
GOFACT

EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE

Spain and other SEPA markets
STAGE

Series A
Anyone who processes payments online

FOUNDATION

2007
INVOICEXPRESS

EASYPAY ACQUIRED A LICENSE TO OPERATE IN 2013, AND IN 2018 IT SURPASSED € 170 M IN PAYMENTS

ABOUT
The idea came in 2000, and easypay was born in 2007 when the European Union created the regulations that allowed the existence of payment institutions. This was the year that the market was revolutionized with the pioneering spirit of easypay, that started to provide online payments through Multibanco references and, in 2008, via Direct Debit. The company’s DNA comes from its co-founder and CEO, Sebastião Lancastre, an engineer in information systems, that worked in Xerox Portugal and Unicre, a portuguese Credit and Financial Institution.
“I was born in a plastic crib due to my family’s connection to credit cards. I always heard about cards and now our mission is to walk towards the future, where money will be invisible” Sebastião Lancastre.

TARGET CLIENTS
HEADQUARTERS

Lisbon
PRESENCE