About EuropeanPay
We're building the engagement layer on top of payments for SMEs — turning everyday transactions into loyalty, insights, and rewards.
SME-focused
Simple onboarding, fast payments, and repeat customer growth.
AI insights
Actionable recommendations powered by transaction signals.
Rewards layer
Rail-independent cashback across QR, card & wallets.
Mission
Help SMEs grow repeat customers by turning everyday payments into automatic rewards, smart engagement, and measurable retention.
Vision
Become the rewards layer on top of payments in Europe — rail-independent, bank-connected, and designed for local commerce at scale.
Leadership Team
Founding team combining fintech, growth, and engineering.
Praveen Soni
CEO · Co-Founder
Jerome Claraz
CMO · Co-Founder
Maximilien Sadky
CTO · Co-Founder
Building Intelligence on Top of Payment
A unified platform combining payments, loyalty, and merchant growth tools.
What is EU Pay?
European Pay (EU Pay) is not just a QR-code-based account-to-account digital payment and merchant-customer engagement platform designed to help local, very small, and independent merchants, including small and medium-sized businesses (SMEs), to adopt modern payment solutions while strengthening relationships with their customers.
Unlike traditional payment systems that focus only on transaction processing, EU Pay combines payments, loyalty programs, customer insights, and promotional AI-based tools into a single ecosystem.
EU Pay transforms payments into a merchant growth tool. By connecting transactions with engagement features, businesses can increase customer retention, improve repeat purchases, and better understand their customers. The platform is built to align with modern European financial infrastructure, including instant bank transfers, QR-based payments, and upcoming digital financial initiatives, allowing EU Pay to operate as a flexible and scalable payment ecosystem.
By empowering local businesses with advanced digital tools, EU Pay aims to strengthen local commerce, improve customer experiences, and support the ongoing digital transformation of SMEs across Europe.
Client App — Consumer
Consumers can make fast and secure digital payments, discover nearby merchants, and earn rewards such as cashback or loyalty points.
Business App — Merchant
Merchants can accept payments, launch promotions, manage loyalty programs, and analyze sales and customer behavior through real-time dashboards.
Our Mission
To empower SMEs with Intelligence and build sovereignty in payment with AI and open banking.
Built for SMEs & ETIs
European Pay is specifically designed to address the operational, financial and technological constraints of SMEs and mid-sized companies.
- QR-based payments — no hardware investment
- Instant A2A payments with minimal friction
- Fast merchant onboarding
- Cloud-based dashboards on any device
- Digital Payments
- Loyalty & Cashback Programs
- Promotional & Engagement Tools
- AI Customer Insights
- Sales Analytics
- E-invoicing & Reporting
- Onboarding assistance
- Training & adoption support
- Reactive customer service
- Continuous regulatory updates
- Technical integration support
- Improve customer retention
- Increase repeat purchases
- Understand consumer behaviour
- Optimise marketing with AI
- Strengthen competitiveness
Support Services
Roadmap
Key milestones towards launch, growth and expansion.
Contact
info@eu-pay.fr
+33745379285
Office
60 rue François Ier, 75008 Paris