# Rapyd

> Source: https://docs.barcoder.ai/docs/wallets/rapyd
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Rapyd — official](https://www.rapyd.net/)

## Overview

**Rapyd** is a **fintech-as-a-service / embedded-payments platform** that lets businesses **collect, hold, send and disburse money** across borders through a **single API**, abstracting **900+ local payment methods** — cards, bank transfers, e-wallets and cash networks <sup>[1][1], [Israel report](https://docs.barcoder.ai/docs/payments/IL)</sup>. It targets marketplaces, gig platforms and global merchants needing local acceptance and payouts without building per-country integrations, competing with **[Stripe](https://docs.barcoder.ai/docs/wallets/stripe)**, **[Checkout.com](https://docs.barcoder.ai/docs/wallets/checkout-com)** and **dLocal**.

Rapyd reached a **~$8.75B valuation in 2021** and has expanded via acquisitions of regional payments players.

## History

**2016 — Rapyd founded** by **Arik Shtilman, Arkady Karpman and Omer Priel** in Israel, building a unified fintech API <sup>[2][2]</sup>.

**2019-2021 — Rapid funding rounds** (Series B–E), reaching a **~$8.75B valuation in 2021** <sup>[2][2]</sup>.

**2022-2025 — Acquisition-led expansion**, including Valitor (Iceland) and PayU's GPO business (in agreed/partial form), broadening acquiring and disbursement reach.

## Ownership & operator

**Operating entity**: **Rapyd Financial Network Ltd.** (Israel).

**Founders / CEO**: **Arik Shtilman (CEO)** + co-founders Arkady Karpman + Omer Priel.

**Investors**: Insight Partners, Tiger Global, Coatue, General Catalyst, Target Global, Stripe (early), and others.

**Regulators**: **FCA (UK)** + per-country money-transmitter / EMI licenses across its operating markets.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Unified collect/disburse API + hosted checkout + virtual accounts + card issuing |
| **Identifiers** | Card + bank account + mobile money + e-wallets + cash networks (900+ methods) |
| **Capabilities** | Collect, hold (wallets/accounts), send (payouts), and issue cards globally |
| **Use cases** | Marketplaces, gig/creator payouts, cross-border B2B, global acceptance |
| **Customer focus** | Platforms + marketplaces + global merchants |

## Implementations & partners

**Operator**: **Rapyd Financial Network Ltd.**

**Acquisitions**: Valitor (Iceland acquiring) and other regional payments assets expanded coverage.

**Methods**: Visa, Mastercard + 900+ local payment methods (bank transfers, e-wallets, cash).

**Competitors**: **[Stripe](https://docs.barcoder.ai/docs/wallets/stripe)**, **[Checkout.com](https://docs.barcoder.ai/docs/wallets/checkout-com)**, **dLocal** (see [dLocal](https://docs.barcoder.ai/docs/wallets/dlocal)), **[Payoneer](https://docs.barcoder.ai/docs/wallets/payoneer)** for cross-border payouts.

**Regulators**: **FCA + per-country money-transmitter/EMI**.

## Status

**Active**, a global fintech-as-a-service / embedded-payments platform <sup>[1][1], [2][2]</sup>:
- **Rapyd Financial Network Ltd.**, CEO **Arik Shtilman**.
- **~$8.75B valuation (2021)**.
- Single API for collect/hold/send across 900+ payment methods.
- **FCA + per-country money-transmitter/EMI regulated**.

## Sources

[1]: https://www.rapyd.net/ "Rapyd — official"
[2]: https://en.wikipedia.org/wiki/Rapyd "Rapyd — Wikipedia"
[il-cro]: https://docs.barcoder.ai/docs/payments/IL

- [1] [Rapyd — official][1]
- [2] [Rapyd — Wikipedia][2]
- <sup>[Israel report](https://docs.barcoder.ai/docs/payments/IL)</sup> In-corpus: see IL country report

## Source

Biography extracted from [rapyd.md](https://docs.barcoder.ai/source/wallets/rapyd). See `matrix.md` for standards-support matrix if present.