Summary
Nopan is building the optimization layer that account and wallet payments need to match card network performance. As European initiatives like Wero (pan-European account-to-account payment scheme) gain momentum, the infrastructure to make these payment methods perform at scale — with reliable routing, bank connectivity, and operational maturity — is still emerging. Nopan's merchant-side perspective, built by former Netflix payments leaders, positions it to fill this gap.
Key Points
- Company: Nopan, Amsterdam-based; founded by Konstantin Surkov and Nick Ryabov (former Netflix payments leaders)
- Funding: €7.2M total; round led by Newion with Crane and Seedcamp
- Platform: Performance optimization layer for account and wallet payments
- Capabilities: Conversion rate improvement, payment cost reduction, routing optimization, bank connectivity, operational performance
- Regulatory: DNB license (Q4 2025); Principal Member of EPI (European Payments Initiative)
- EPI/Wero: Wero is the pan-European account-to-account payment scheme; EPI is the governing organization
- Market context: Account and wallet payments gaining momentum across Europe; need card-level reliability
- Customer base: Digital businesses and Payment Service Providers across Europe
- Key challenge: "Launching a payment method is easy. Making it perform at scale is much harder."
- Key quote: "Account and wallet payments represent a major opportunity, but the infrastructure required to make them perform at scale is still emerging" — Pieter Welten, Newion
- Competitive landscape: Traditional PSPs (Adyen, Stripe) focus on card payments; Nopan specializes in account-to-account optimization