Rapyd
Israeli-founded payments platform selling card acquiring, local methods, payouts and card issuing; bought PayU's Latin American and African business in March 2025 for about US$610m.
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Rapyd is an Israeli payments company, started in Tel Aviv in 2016 by Arik Shtilman, Arkady Karpman and Omer Priel, with a substantial London operation alongside it. The platform bundles card acquiring, local payment methods, payouts, e-wallets, virtual accounts and card issuing behind one API. Growth has come mainly from buying acquirers: the Icelandic processors Korta in 2020 and Valitor in 2022 for roughly US$110m, then PayU's Global Payment Organisation business in March 2025.
That last deal is worth pinning down. Rapyd paid about US$610m for PayU's Latin American operation, covering Mexico, Brazil, Argentina, Chile, Colombia and Peru, together with Nigeria and South Africa, funded by a US$500m raise that valued the company near US$4.5bn. PayU's Polish and wider central European business stayed with Prosus, and India, Türkiye and South-East Asia were never in scope, so Rapyd's reach in those markets is not PayU's.
Headline claims of 190-plus markets and 1,200 payment methods run well ahead of the documentation. Rapyd's developer guides name around 48 countries across Europe, the Middle East and Africa, 13 in Asia-Pacific and nine in the Americas, with local options including Pix and Boleto, SPEI and the Mexican cash network, Bancolombia, PSE and Banco Estado, GCash, GrabPay, QRIS, PromptPay, PayNow and KakaoPay. Licensed entities include Rapyd Europe hf in Iceland, Rapyd Payments Limited in the UK (FCA firm reference 900688), a major payment institution in Singapore, a money service operator in Hong Kong, a payment services licence in Israel and FinCEN registration in the United States.
It fits mid-sized and larger sellers wanting one contract across Europe, Latin America and parts of Asia, and businesses paying out to sellers or contractors. Most pricing is Interchange++ on quote, although domestic card rates are published for Chile, Colombia and Peru, and inactivity fees apply in several Latin American markets. Gambling, gaming, marketplaces and crypto businesses sit on the restricted list and need compliance approval first.
Licences & regulation
Authorisations Rapyd holds, as published by the provider or regulator. Check the register entry before relying on it.
Financial Conduct Authority (FCA)
Central Bank of Iceland (Seðlabanki Íslands)
Monetary Authority of Singapore (MAS)
Hong Kong Customs and Excise DepartmentHong Kong Companies RegistryHong Kong Companies Registry
Israel Securities Authority (ISA)
FinCENOnboarding requirements
Licence requirements for merchants
Features
Sources
- Rapyd - Regulatory Framework · rapyd.net
- FCA Financial Services Register - E-Money Firms (CSV, data to 11 September 2026) · register.fca.org.uk
- Rapyd Completes Acquisition of PayU Global Payment Organisation in Latin America and Africa · rapyd.net
- Rapyd Acquires PayU GPO to Expand Fintech and Payments Solutions Globally (1 August 2023) · rapyd.net
- Cashless.pl - PayU in Poland remains with Naspers; Rapyd bought PayU GPO without the European assets · cashless.pl
- Calcalist - Rapyd raises $500M at $4.5B valuation to complete $610M PayU acquisition · calcalistech.com
- Rapyd - Wikipedia · en.wikipedia.org
- Rapyd Payments Network · rapyd.net
- Rapyd Docs - EMEA payment method types and supported countries · docs.rapyd.net
- Rapyd Docs - Americas payment method types and supported countries · docs.rapyd.net
- Rapyd Docs - APAC payment method types and supported countries · docs.rapyd.net
- Rapyd Docs - Supported Currencies · docs.rapyd.net
- Rapyd Docs - Bank Direct Debit · docs.rapyd.net
- Rapyd Docs - Stablecoin Payments · docs.rapyd.net
- Rapyd Docs - Plugins and Add-Ons · docs.rapyd.net
- Rapyd Docs - Activating Your Account (KYB) · docs.rapyd.net
- Rapyd - Global Prohibited & Restricted Businesses · rapyd.net
- Rapyd Pricing · rapyd.net
- Rapyd - Global Payment Processing · rapyd.net
- Rapyd Docs - Punto Xpress · docs.rapyd.net
Select a method to see every listing that accepts it.
Europe 47
AlbaniaAL
AndorraAD
AustriaAT
BelgiumBE
Bosnia and HerzegovinaBA
BulgariaBG
CroatiaHR
Czech RepublicCZ
DenmarkDK
EstoniaEE
Faroe IslandsFO
FinlandFI
FranceFR
GermanyDE
GibraltarGI
GreeceGR
GuernseyGG
HungaryHUIcelandIS
IrelandIE
Isle of ManIM
ItalyIT
JerseyJE
LatviaLV
LiechtensteinLI
LithuaniaLT
LuxembourgLU
MaltaMT
MoldovaMD
MonacoMC
MontenegroME
NetherlandsNL
North MacedoniaMK
NorwayNO
PolandPL
PortugalPT
RomaniaRO
San MarinoSM
SerbiaRS
SlovakiaSK
SloveniaSI
SpainES
SwedenSE
SwitzerlandCH
UkraineUAUnited KingdomGB
Vatican CityVAAmericas 14
Asia 16
Africa 2
Oceania 2
- Merchant discount rate
- 3.29% – 3.49%
Settlement
Method-dependent: Pix real time; Latin American cash and bank redirect typically 2-3 days
Pricing notes
Most pricing is Interchange++ on quote: Rapyd publishes the component ranges (interchange 0.20%-1.80%, Visa/Mastercard scheme fees 0.02%-0.65%) but not its acquirer margin. The only flat published card rates are in Latin America, inherited from the PayU business: Chile 3.49% per domestic credit-card transaction (minimum Khipu payment CLP 600); Colombia 3.29% + COP 300, plus 1.5% income withholding, 0.414% ICA and 15% VAT, with minimums of COP 450 for PSE/Bancolombia and COP 9,900 for cash; Peru 3.40% + PEN 0.69 for merchants under PEN 10,000 a month, PagoEfectivo minimum PEN 2.90. The percentage range shown above therefore reflects only those Latin American domestic card rates. Monthly inactivity fees apply after six consecutive months with no sales (Argentina ARS 10,500 + VAT, Brazil BRL 151 + taxes, Mexico MXN 523 + VAT, Panama and Peru USD 30 + taxes). Refund-by-bank-transfer and chargeback reversal fees are referenced in Rapyd's help material but were not confirmed on a current primary page.
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Frequently asked questions
What payment methods does Rapyd support?
Rapyd supports 50 payment methods, including Mastercard, Visa, Bank Transfer, PIX, Apple Pay, Google Pay, ACH, Boleto, UnionPay, Alipay and 40 more.
Which countries does Rapyd operate in?
Rapyd serves merchants in 81 countries, including Brazil, Chile, France, Germany, Italy, Belgium, Netherlands, Austria, Spain, Mexico and 71 more.
Which currencies does Rapyd support?
Rapyd supports 70 currencies, including EUR, USD, BRL, CLP, MXN, GBP, SEK, COP, PLN, DKK and 60 more.
How much does Rapyd cost?
Rapyd publishes its pricing. Most pricing is Interchange++ on quote: Rapyd publishes the component ranges (interchange 0.20%-1.80%, Visa/Mastercard scheme fees 0.02%-0.65%) but not its acquirer margin. Rates vary by payment method and country, so check Rapyd’s website for current pricing.
Is Rapyd regulated?
Rapyd holds authorisations from Financial Conduct Authority (FCA), Central Bank of Iceland (Seðlabanki Íslands), Monetary Authority of Singapore (MAS), Hong Kong Customs and Excise Department, Hong Kong Companies Registry, Israel Securities Authority (ISA) and 1 more. Always check the regulator’s public register before relying on it.
What are the alternatives to Rapyd?
Alternatives to Rapyd that share its categories and countries include Nuvei, PayPal, MuchBetter, Airwallex, Adyen, Paysafe, Stripe and Worldpay.