We unite global payment financial flows in real-time.
Beyond simple payments: One platform to orchestrate your entire financial ecosystem.
The Operating System for Global Financial Flows.
SummaPay is redefining the future of global payment infrastructure. As a FinTech company with European roots and global ambitions, we develop a sovereign, AI-native platform that transforms fragmented payment landscapes into resilient infrastructures.
We unite all global financial flows in real-time.
Using our “orchestration-first” approach, we merge legacy payments, instant payments, Request-to-Pay, and digital assets into one seamless architecture. We empowers merchants, enterprises, sme’s and public institutions to regain full control over their financial transaction flows.
About PayNomic²
Breaking the Silos of Global Finance.
Today’s financial landscape is fragmented. Card payments, instant payments, and digital assets operate in isolated systems. This creates a cascade of challenges: heavy compliance burdens, systemic media breaks, and a total lack of real-time transparency.
PayNomic²: The Operating System for Unified Financial Flows.
PayNomic² is a global, event-driven payment operating system designed to unite disparate flows into one coherent, high-performance ecosystem. Built for the world’s most regulated markets, it is AI-native, modular, and CO₂-aware by design.
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Universal Orchestration: One single infrastructure for card, account, instant payments, RtP, stablecoins, and e-money.
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Compliance-by-Design: Full audit trails and instant traceability integrated into every transaction from the first millisecond.
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Real-Time Visibility: Absolute transparency for merchants, enterprises and public institutions. No more delays, no more data gaps.
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Scalable API-First Architecture: Built for high-volume treasury, payment orchestration, and public finance use cases.
The Backbone of Sovereign Digital Infrastructure.
PayNomic² combines regulatory excellence with ethical innovation. We are building more than just a platform; we are providing the foundation for a sustainable and sovereign European financial philosophy with global reach.
SummaPay shortlisted twice at the 21st Card & Payments Awards 2026 in London
“Best Early-Stage or Future Payments Initiative” and “Best Achievement in Sustainability”
Although we didn’t take home a trophy, this recognition marks a significant milestone. It proves that our vision for a sustainable and compliance-native infrastructure truly resonates with the industry.
With our vision and our platform PayNomic², SummaPay is developing a sovereign payment operating system that unites card payments, account payments, instant payments, Request to Pay, stablecoins and e-money in one coherent architecture. It provides real-time transparency across all digital payment flows, embeds compliance-by-design, auditability and risk controls at the core, and is CO₂-aware, aligned with the principles of green software engineering.
PayNomic² by SummaPay is designed as an AI-native, modular and regulatory-compliant payment platform for:
– merchants: seeking scalable, omnichannel payment solutions
– enterprises: modernising their payment infrastructure
– public institutions: requiring sovereign, resilient and transparent financial transaction flows
By combining sustainable payments, integrated compliance and AI-powered infrastructure, SummaPay positions PayNomic² as a new standard for future-proof digital payments in Europe – secure, transparent, sustainable and built for real-time financial ecosystems
Architecture by SummaPay. Engineered in partnership with Syngenio AG.
PayNomic² is designed by SummaPay and engineered in close collaboration with Syngenio AG.
As our strategic engineering partner for AI-native and green payment infrastructure, Syngenio brings deep expertise in cloud-native architectures, green software engineering and regulated financial services.
Together, we translate our architectural vision into robust, compliant and energy-efficient code – creating a payment operating system that is ready for merchants, enterprises and public institutions worldwide.
Who can merchants, enterprises and the public institutions turn to if they want global financial flows with real-time transparency and full regulatory control?
We believe payments are more than transactions — they are the foundation for trust, growth, and sustainability in the global economy. We´re designing PayNomic². The sovereign payment operating system.
The team behind
Behind our success is a dedicated team of experienced professionals who work every day with expertise, passion, and a strong sense of responsibility. Together, we create solutions that deliver real and lasting value. Contact us.