payabl. Appoints Breno Oliveira as Chief Product Officer to Drive Product Innovation and Global Growth

payabl., a rapidly growing European financial technology provider focused on delivering unified payments and business account solutions, has announced the appointment of Breno Oliveira as its new Chief Product Officer (CPO). This strategic leadership hire reflects payabl.’s ambitions to accelerate product-led growth, expand platform capabilities, and deliver a best-in-class experience for merchants across markets.

The move comes at a pivotal time for the company, as it continues to scale its modular, cloud-native financial infrastructure — including the flagship payabl.one unified interface — and broaden its suite of products in key European markets such as the UK and the EU.

Strategic Leadership Hire as payabl. Enters Next Growth Phase

In his new role as Chief Product Officer, Breno Oliveira will be responsible for shaping and executing payabl.’s product strategy, ensuring strong alignment between merchant needs, commercial direction, and long-term technology vision. Oliveira’s appointment underscores payabl.’s commitment to strengthen its product portfolio and deliver scalable infrastructure tailored to complex merchant requirements across industries.

Oliveira joined payabl. in 2022, initially tasked with developing the company’s core banking capabilities. Over time, his role evolved as he took on progressively broader product responsibilities, ultimately serving as Head of Product before his elevation to the CPO role.

His deep involvement in building key components of payabl.’s platform — including the in-house cloud-native core banking system, the award-winning card issuing suite, the mobile SDK, and expanded international payment method support — demonstrates his ability to blend technical execution with strategic product leadership.

payabl.’s Product Evolution and Innovation Journey

payabl. has quickly emerged as a multi-product fintech platform enabling merchants to manage payments, accounts, cards, and financial flows in one unified environment. Its payabl.one interface serves as a single point of control for clients, simplifying everything from onboarding and card issuing to managing payouts, multi-currency accounts, and reconciliation.

Under the guidance of Oliveira and his product teams, payabl. has delivered several notable expansions to its offering:

• Cloud-Native Core Banking Platform — enabling scalable account servicing, ledger transparency, and real-time money movement.
• Card Issuing Capabilities — including virtual and physical card features with flexible network support across major schemes.
• Mobile SDK Integration — allowing partners and platforms to embed payabl.’s payment infrastructure seamlessly in mobile applications.
• Extended Payment Method Support — such as American Express, SEPA Direct Debit, and Wero account-to-account transfers, catering to local market preferences.

These developments have strengthened payabl.’s ability to support complex merchant needs at scale, from high-growth ecommerce platforms to omnichannel retail, service industries and embedded finance solutions.

A Focus on Merchant-Driven Product Strategy

As CPO, Oliveira will lead initiatives to expand payabl.’s mobile capabilities, broaden its card issuance portfolio and payment network coverage, and ensure that product development remains closely aligned with the evolving needs of merchants and payment service partners.

Ugnė Buraciene, Group CEO of payabl., emphasised the importance of Oliveira’s appointment:

“Breno has been instrumental in shaping our product direction over the past few years. He combines deep technical understanding with a strong sense of commercial reality, and crucially, he knows what products and services merchants want and how to build them. His leadership will be key to ensuring we continue to scale without compromising the quality of service that merchants know payabl. for.”

The CEO’s comments underscore the strategic role that product excellence plays in payabl.’s broader growth agenda, particularly as the company expands its reach beyond its initial markets into the United Kingdom and wider European Union.

Oliveira added in his statement that payabl. is entering “a new phase of growth and international expansion,” and that his focus will be on building reliable, well-designed products grounded in real merchant needs — combining robust infrastructure with exceptional user experience to help clients focus on running their businesses effectively.

Industry Context: Fintech Product Leadership in a Competitive Landscape

Product leadership is increasingly a defining attribute in the highly competitive fintech and payments landscape. As businesses demand highly customisable and composable financial infrastructure, fintechs like payabl. are betting on product innovation as a key differentiator — enabling faster onboarding, broader payment method coverage, and flexible integration options that traditional banks often struggle to match.

European fintech firms in particular face mounting pressures to innovate as merchants demand streamlined operational workflows, embedded finance capabilities, and real-time settlement options. In this context, senior product roles such as CPO have become critical in balancing technical scalability, merchant experience, and compliance readiness.

With Oliveira now at the helm of product strategy, payabl. is positioned to double down on initiatives that enhance platform modularity, support merchant expansion into cross-border commerce, and deliver unified financial controls that simplify operational overheads for businesses of all sizes.

Expanding payabl.’s Market Position

payabl.’s growth trajectory has been marked by expanding product releases and strategic market launches — such as its connected in-store payments solution in the UK, which reflects its efforts to build a unified omnichannel platform for online and offline payments.

Aligning product evolution with merchant priorities has been central to payabl.’s value proposition. Creating seamless pathways for merchants to accept diverse payment methods, manage funds, issue cards and integrate high-performance APIs is part of the company’s strategy to become a full-stack fintech partner rather than a point solution.

The elevation of a long-tenured product leader like Oliveira signals payabl.’s confidence that its existing architectural foundation — combined with customer-centric product thinking — can support accelerated adoption across markets.

What This Means for Merchants and Partners

For merchants and partners working with payabl., Oliveira’s appointment could translate into:

• Faster rollouts of new payment integration options tailored to specific verticals.
• Enhanced mobile payments features that meet the needs of businesses with m-commerce strategies.
• Broader support for local and global card schemes, improving acceptance rates.
• Continued investment in user experience that reduces complexity for finance and operations teams.

These capabilities are particularly valuable for businesses navigating global expansion, multi-currency operations, and digital-first ecommerce growth.

Conclusion: Building for Scale and Merchant Success

The appointment of Breno Oliveira as Chief Product Officer at payabl. reinforces the company’s commitment to product excellence as a central pillar of its growth strategy. With significant experience across product development, technical execution and market delivery, Oliveira is tasked with leading product innovation that supports merchants across diverse sectors — from digital commerce to omnichannel retail and embedded finance solutions.

As payabl. continues to strengthen its platform capabilities and expand its European footprint, the CPO’s role will be instrumental in ensuring that product offerings remain both innovative and grounded in merchant realities — combining high performance with reliability, integration flexibility, and a compelling user experience.

This leadership appointment could shape payabl.’s product roadmap for years to come and position the company as a pivotal technology partner for merchants navigating the increasingly complex world of global payments.

#CPO#DigitalFinance#MerchantExperience#payabl#Payments#ProductLeadershipfintechTheFinRate