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§ Private Profile · Herlev, Hovedstaden, Denmark
Payment processing provider offering bundled in-person commerce solutions and flat-rate payment processing for brick-and-mortar SMBs.
Flatpay is a Copenhagen, Denmark-based financial technology company that provides a bundled in-person commerce stack and flat-rate payment processing solutions for brick-and-mortar small and medium-sized businesses. The company equips single-location merchants with pre-configured payment terminals, point-of-sale software, and hardware accessories without monthly fees or setup charges, generating revenue primarily through transaction fees. Operating across multiple European markets including Germany, Italy, and the United Kingdom, the enterprise has scaled its operations to support a network of 70,000 merchants and employs a workforce of 1,300 personnel. Backed by €15 million in Series A funding, the firm recently expanded its product suite to include online payment processing and cash advances, featuring direct e-commerce integrations with platforms such as Shopify, WooCommerce, and Magento. Flatpay was founded in 2022 by a team of three digital entrepreneurship and payment solution experts.
Flatpay has raised $232.5M across 3 funding rounds.
Flatpay has raised $232.5M in total across 3 funding rounds.
Flatpay has raised $232.5M in total across 3 funding rounds.
Flatpay's investors include Mario Götze, AXA Venture Partners, Dawn Capital, Richard Lin, Philippe Teixeira da Mota, Lars Andersen, SEED Capital, Andreessen Horowitz, Blockchain Founders Fund, White Star Capital, Mandeep Singh.
Flatpay has raised $232.5M across 3 funding rounds. Most recently, it raised $168.5M Other Equity in November 2025.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Nov 16, 2025 | $168.5M Venture Round | — | Mario Götze, AXA Venture Partners, Dawn Capital, Richard LIN | Announced |
| Apr 1, 2024 | $48M Series B | Dawn Capital | Philippe Teixeira DA Mota, Lars Andersen | Announced |
| Jun 1, 2023 | $16M Series A | Seed Capital | Andreessen Horowitz, Blockchain Founders Fund, White Star Capital, Mandeep Singh, Lars Andersen | Announced |
Flatpay is a fintech company founded in 2022 that provides payment processing and point-of-sale (POS) solutions for small and medium-sized businesses (SMBs), primarily in retail and service industries.[1][2][3] It offers a flat-rate pricing model with no hidden fees, no setup or subscription costs, integrated POS systems, inventory management, online payments, daily settlements, and 24/7 support, serving merchants in Denmark, Finland, Germany, Italy, and France to simplify transactions and improve cash flow.[2][3][6] Flatpay has demonstrated explosive growth, achieving unicorn status with a €1.5B valuation after raising €145M in funding as of November 2025, backed by Series A investment of €15M earlier, positioning it as one of Europe's fastest-growing fintechs with 201-500 employees.[2][4][5][7]
Flatpay was founded in 2022 in Copenhagen (Herlev), Denmark, by three experts in digital entrepreneurship and payment solutions: Sander Janca-Jensen (CEO & Founder), Peter Lüth (CTO & Founder), and Rasmus Busk (Founder & Board Member).[2][3][4] The idea emerged from frustration with complex, fee-laden pricing in the payments industry, aiming to deliver a transparent, affordable alternative for SMBs.[3][5] Early traction came rapidly through a focus on merchant empowerment, leading to expansion into Finland, Germany, Italy, and France, Series A funding of €15M, and unicorn valuation by late 2025.[3][4][5][7]
Flatpay rides the fintech wave of SMB digitalization, capitalizing on the shift to contactless payments, e-commerce integration, and demand for transparent alternatives amid rising transaction volumes in retail/services.[1][2][7] Timing is ideal post-2022, with Europe's fragmented payments market favoring agile challengers against incumbents like SumUp, Stripe, and Square, especially as SMBs seek cost efficiencies amid inflation and digital mandates.[1][2][7] Market forces like regulatory pushes for fee transparency (e.g., PSD2) and unicorn funding boom amplify its momentum, influencing the ecosystem by democratizing payments, boosting merchant growth, and setting benchmarks for simplicity in a €1T+ European fintech space.[3][4][7]
Flatpay's unicorn trajectory signals hypergrowth ahead, with €145M fueling further European expansion, product enhancements like advanced analytics or AI-driven inventory, and potential U.S./UK entry to challenge global players.[4][7] Trends like real-time payments, embedded finance, and SMB fintech consolidation will shape its path, potentially evolving it into a full-suite business OS.[5][6] As it scales, Flatpay could redefine SMB payments across continents, empowering thousands more merchants and solidifying its role as Europe's transparency pioneer—much like its originators disrupted from Copenhagen.