PaynoPain
- Founded
- 2011-01-01 in Castellón de la Plana, Spain
- Headquarters
- Castellón de la Plana, Spain
PaynoPain is a Spanish fintech company founded in 2011 in Castellón de la Plana that provides a comprehensive omnichannel payment gateway for businesses of all sizes. The platform supports integrations with major e‑commerce platforms such as Shopify, WooCommerce, PrestaShop, and Magento, and offers a wide range of payment methods including digital wallets, local schemes like Bizum and MB Way, and buy‑now‑pay‑later options. Security is a core pillar, with PCI DSS certification, data tokenization, and a proprietary anti‑fraud system. In March 2026, Euronet Worldwide announced a strategic acquisition of PaynoPain, expected to close in Q3 2026, which will integrate the company’s merchant portfolio and technology into Euronet’s European acquiring business. PaynoPain is also notable for launching the first online payment platform accessible to people with disabilities, developed in partnership with Accesit Inclusivo. Led by founder and CEO Jordi Nebot Carda, the company maintains high merchant satisfaction scores and a strong presence in Spanish‑speaking markets.
Detailed Review
History
PaynoPain was established in 2011 in Castellón de la Plana, Spain, by Jordi Nebot Carda (with Vicent Nos Ripolles also cited as a co‑founder by some sources). The company was born from the founders’ personal frustrations with online payment challenges and the desire to create more flexible, secure, and user‑friendly solutions for e‑commerce. Over more than a decade, it evolved from a local gateway provider into a full omnichannel platform serving merchants across Spain, Portugal, and other European markets.
Business Model & Operations
PaynoPain operates as a technology‑driven payment services provider, offering a single integrated platform that connects merchants with multiple payment methods, acquiring banks, and financial institutions. Revenue is generated primarily through transaction fees, with additional services such as fraud prevention, tokenization, and dedicated technical support. The company places strong emphasis on regulatory compliance, holding PCI DSS certification and adhering to PSD2 requirements.
Products & Services
- Omnichannel Payment Gateway: A cloud‑based gateway enabling online, mobile, and in‑store payments via a single integration. Supports recurring billing, one‑click payments, and real‑time transaction monitoring. - Payment Methods: Digital wallets (Apple Pay, Google Pay), local methods (Bizum in Spain, MB Way in Portugal), buy‑now‑pay‑later, credit/debit cards, and bank transfers. - Anti‑Fraud System: A proprietary machine‑learning system that analyzes transactions in real time, detecting suspicious patterns without disrupting legitimate sales. - Tokenization & Data Security: Sensitive payment data is replaced with tokens to reduce PCI scope and enhance security. - Control Panel: A modern dashboard with analytics, refund management, and reconciliation tools. - Accessibility‑First Platform: In partnership with Accesit Inclusivo, PaynoPain launched what it claims is the first accessible online payment platform for people with disabilities, featuring screen‑reader compatibility and simplified navigation. - API & Plugin Suite: RESTful APIs and native plugins for Shopify, WooCommerce, PrestaShop, Magento, Odoo, and custom integrations.
Market Position and Growth
PaynoPain has cultivated a loyal merchant base, achieving a 4.84/5 satisfaction rating in its 2025 survey, with 96% of merchants awarding scores of 4 or 5. The company is particularly strong among Spanish‑speaking merchants and those in the adult entertainment and dating sectors, due to its flexible risk management. Its acquisition by Euronet, a global financial technology company, is set to expand its reach into Euronet’s existing acquiring network, potentially positioning PaynoPain as a key European omnichannel player.
Recent Developments (2025–2026)
In March 2026, Euronet Worldwide announced the acquisition of PaynoPain, expected to close in Q3 2026. The deal integrates PaynoPain’s merchant portfolio and technology into Euronet’s European acquiring business. In 2025, the company launched its accessible payment platform and released results from its annual merchant satisfaction survey. In 2024, it introduced new integrations with Odoo and expanded support for local payment methods in Portugal.
Key Products
Omnichannel Payment Gateway
Central platform for processing online, mobile and in-store payments with support for over 30 payment methods.
PCI DSS Compliant Infrastructure
Level 1 certification ensuring the highest security standards for cardholder data.
Accessible Payment Platform
First Spanish payment interface designed for users with disabilities, developed with Accesit Inclusivo.
API & Plugin Integrations
Native connectors for Shopify, PrestaShop, WooCommerce, Magento, Odoo, and custom RESTful APIs.
Proprietary Anti-Fraud System
Real-time transaction analysis and fraud pattern detection to minimize chargebacks.
Data Tokenisation
Replaces sensitive card data with secure tokens to prevent data breaches.
PaynoPain Online Payment Gateway
Core omnichannel payment gateway supporting over 30 payment methods including Bizum, MB Way, Klarna, Revolut Pay, Google Pay, Apple Pay, and major credit/debit cards. Integrates with Shopify, PrestaShop, WooCommerce, Magento, Odoo, and custom APIs.
PaynoPain Financial Services
Licensed payment institution authorized by the Bank of Spain that enables direct Visa and Mastercard acquiring (Principal Member since 2024), immediate international transfers via Visa Direct and Mastercard Send, and BNPL services.
Anti-Fraud System
Proprietary real-time fraud detection and prevention engine built into the payment platform that analyzes transactions in real time.
Data Tokenization
Replaces sensitive payment data with tokens to prevent storage of critical information and enhance security.
Control Panel
Merchant-facing dashboard for transaction management, reporting, and configuration, rated 4.65/5 by users.
PaynoPain Control Panel
Merchant dashboard for transaction management, analytics, reconciliation, and refunds.
API & Plugin Suite
Developer tools including RESTful APIs and native plugins for Shopify, WooCommerce, PrestaShop, Magento, Odoo, and custom integrations.
Local Payment Methods
Bizum (Spain), MB Way (Portugal), Google Pay, Apple Pay, buy-now-pay-later, and major credit/debit cards.
Offices & Headcount
45 employees (approx.)
Key Persons
Jordi Nebot CardaCEO & Founder