Nopan

Nopan is a payment processor built specifically for account and wallet payments in Europe. It's designed for large merchants, fintechs, and other payment service providers who want these payment methods to drive measurable revenue, not just sit as an alternative option.

Most payment processors treat account and wallet payments as an afterthought, bolted onto card-centric infrastructure. Nopan flips that. The platform is built from the ground up around how modern engineering teams actually handle payments: standardized API endpoints across all providers and countries, idempotent flows, predictable state transitions, consistent webhooks, and fully typed request/response models. This means your team ships faster and avoids the fragmentation that comes from integrating multiple providers with different schemas and edge cases.

Key capabilities include:

• Unified API across European account and wallet payment methods, eliminating provider-specific logic and inconsistencies.

• Optimized checkout flows that reduce friction at each step, speeding up authorization and improving conversion rates.

• Enhanced data access that preserves raw detail from underlying payment methods while normalizing it into usable structures for analytics, risk modeling, and customer support.

• PSP-agnostic tokenization for recurring and merchant-initiated payments, with tokens that remain portable across providers so you're never locked in.

• Multi-currency settlement engine that unifies fee structures across payment schemes, tracks costs per transaction, and automates reconciliation to reduce manual finance work.

• Enterprise compliance built in from day one. Nopan is licensed by the Dutch Central Bank and adheres to PSD2, strong customer authentication, and zero-trust security principles.

The platform also includes a control portal for real-time transaction visibility, advanced reporting, and account management. Founded by former payments leaders from Netflix, the company positions itself as a specialized alternative to general-purpose PSPs, with a focus on making account and wallet payments actually perform as revenue drivers rather than just offering them as options.