Empowering Europe’s Small Businesses Through Smarter SME Payment APIs
The investment, led by Index Ventures, aims to help PayLinx improve access to modern, modular payment solutions for small businesses in Europe.
Since its founding in 2022, PayLinx has focused on developer-first tools that let SMEs integrate flexible payment options without unnecessary complexity.
Serving a Market Overlooked by Giants
While platforms like Stripe and Adyen focus on enterprise needs, SMEs often lack tools tailored to their size and structure.
That’s exactly where SME payment APIs from PayLinx step in—filling the gap with simplicity, speed, and smarter pricing models.
CEO Lukas Werner explained, “There’s a massive underserved market of SMEs needing customizable and affordable payment solutions.”
Because most SMEs lack engineering teams, PayLinx’s plug-and-play APIs make onboarding card payments and APMs faster and easier.
Built for Flexibility and Scale
PayLinx offers APIs for card payments, bank transfers, and alternative payment methods like Klarna and iDEAL—popular across European markets.
Moreover, their system is modular, allowing developers to pick only what they need—without the bloat or added fees.
This approach helps smaller companies improve cash flow, increase checkout options, and adapt quickly to changing payment trends.
New Funding Powers Expansion
The $30 million raise will help PayLinx expand into Southern and Eastern Europe, where fintech access remains uneven for SMEs.
In addition, the company plans to grow its engineering team and integrate SEPA Instant for real-time bank settlements.
Because timing is critical for SMEs, instant payouts could significantly reduce friction in their daily cash operations.
PayLinx is also testing a smart routing engine to lower failed payments and optimize cost-efficiency per transaction.
Strong Traction and Ambitious Goals
With 1,200+ clients already onboard, PayLinx processed over €2.1 billion in transactions last year—an impressive milestone for a young company.
By the end of 2025, the team hopes to double transaction volumes while further streamlining access to SME payment APIs.
The funding round also included participation from Lakestar and top angel investors across the European fintech ecosystem.
Why It Matters
European SMEs form the backbone of the regional economy, yet many still struggle with legacy payment systems and high integration costs.
With tools like PayLinx’s SME payment APIs, these businesses gain access to agile financial infrastructure that matches their pace and size.
As fintech continues evolving, platforms built around modularity, transparency, and speed will likely define the future of B2B transactions.
For PayLinx, this funding marks a strong vote of confidence—and a chance to lead a wave of smarter payments for SMEs.