Our Mission

Empowering every merchant to transact globally

Paynectra was founded in 2018 with a single conviction: that every legitimate business — regardless of size, industry, or geography — deserves access to reliable, fairly priced payment infrastructure.

Today we process billions in annual payment volume for merchants in 140+ countries, from solo entrepreneurs to publicly-listed companies. Our platform handles everything from standard card payments to the complex, high-risk verticals that traditional banks refuse to touch.

2018 Year Founded
140+ Countries Served
$4.8B Annual Volume
12K+ Active Merchants
Our Values

The principles that guide everything we build

Merchant-First Thinking

Every product decision starts with the question: how does this make life easier for a merchant? We exist to serve our customers, not shareholders.

Radical Transparency

No hidden fees. No surprise rate changes. No vague contract terms. We publish our pricing, our uptime history, and our compliance certifications openly.

Relentless Performance

99.97% uptime is our floor, not our ceiling. Every millisecond of processing latency and every basis point of approval rate improvement matters to us.

Inclusive Access

We believe the payment system should work for everyone. We actively invest in acquiring relationships that enable high-risk and emerging-market merchants to participate.

Developer Respect

Payment APIs should be a joy to integrate. We treat our developer documentation as a first-class product and maintain SDKs that developers actually want to use.

Data-Driven Integrity

Every decision we make is backed by data — from fraud model training to support SLA improvements. We measure what matters and improve constantly.

Leadership Team

Built by payments industry veterans

Our leadership team brings together decades of experience from Visa, PayPal, Adyen, and leading fintech startups.

DK

Daniel Kowalski

Co-Founder & CEO

Former Head of Payments at Adyen. 16 years building payment infrastructure across Europe and APAC.

SR

Sofia Reyes

Co-Founder & CTO

Ex-PayPal Principal Engineer. Led the core payments API re-architecture serving 400M+ users globally.

MT

Marcus Thornton

Chief Risk Officer

15 years in card network compliance and AML at Visa and Mastercard. Architected our fraud detection platform.

PH

Priya Harlow

VP of Product

Product leader from Stripe and Braintree. Passionate about turning complex payment logic into intuitive tools.

Our Story

From idea to global infrastructure

2018

Paynectra Founded

Daniel and Sofia incorporate Paynectra in London with £2M seed funding from three European fintech VCs. First merchant live in September.

2019

High-Risk Vertical Launch

Secured strategic acquiring partnerships enabling Forex, iGaming, and nutraceuticals verticals. Reached 500 active merchants by year end.

2021

Series A — $18M Raised

Closed $18M Series A led by Northzone. Expanded to APAC and Latin America. Launched crypto payment gateway and multi-currency settlements.

2023

PCI DSS Level 1 Certification

Achieved the highest PCI DSS certification tier. Crossed $2B annual processing volume and 8,000 active merchants across 120 countries.

2025 — Today

$4.8B Volume, 140+ Countries

Now serving 12,000+ merchants globally. Launched AI-powered fraud suite, same-day settlements for Enterprise, and our marketplace payments product.

Ready to join the Paynectra network?

Apply for your merchant account today and be processing payments within 48 hours.