BeamPay offers a white‑label, full‑stack payment infrastructure that enables electronic money institutions and fintech platforms to launch and run payment products under their own license, brand, and merchant agreements. The platform provides complete control over pricing, compliance rules, and transaction‑level data, while eliminating vendor lock‑in by operating on the institution’s owned infrastructure. Upcoming features aim to integrate merchants with cards, stablecoins, and AI agents in a single stack.
Funding
Funding not disclosed
Founders
Product
Problem
Electronic money institutions and fintech platforms often rely on third‑party payment processors, which limits branding, control over merchant relationships, pricing flexibility, and access to detailed transaction data. This dependency can also create vendor lock‑in and hinder compliance customization across different jurisdictions.
Solution
BeamPay offers a white‑label, full‑stack payment infrastructure that lets EMIs and fintech firms launch and operate their own branded payment products while retaining their own licence. The platform provides end‑to‑end capabilities including merchant onboarding, configurable merchant‑discount‑rate (MDR) pricing, and granular compliance rule sets at any hierarchy level. Institutions maintain complete ownership of transaction‑level data, enabling deep analytics and bespoke reporting. BeamPay’s infrastructure runs silently and at scale, eliminating the need for external vendors and allowing partners to expand to cards, stablecoins, and AI agents as those features become available.
Target Audience
BeamPay targets electronic money institutions, fintech platforms, and ecosystem partners that need to launch proprietary payment solutions while maintaining regulatory, branding, and data control.
Features
- Owned licensing model so the institution operates under its own regulatory licence and brand
- Merchant onboarding tools that let the EMI hold all merchant agreements directly
- Configurable MDR pricing per merchant for flexible revenue models
- Hierarchical compliance controls enabling custom rule sets across regions and product lines
- Full transaction‑level data access for analytics, reporting, and auditability
- Scalable, reliable infrastructure designed to handle high‑volume processing without vendor lock‑in
- Upcoming extensions to support card payments, stablecoin settlements, and AI‑driven payment agents