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
Spain and other SEPA markets
STAGE
Series A
Anyone who processes payments online
FOUNDATION
2007
NETINVOICE