The payment platform your business needs

Payrails is a Berlin-based fintech founded in 2021 by Orkhan Abdullayev and Emre Talay. It gives businesses one modular, AI-native platform to run their entire payment stack - the single operating system for accepting payments, optimizing performance, and managing financial operations. Payrails has offices in Berlin, London, Paris, Dublin, Cairo, and Dubai.

Payrails connects and orchestrates your payment providers, methods, and financial workflows in one place. It routes and retries transactions to lift authorization rates, stores payment credentials independently of any single provider, and automates reconciliation, chargebacks, payouts, and reporting - so you maximize revenue and lower costs without re-engineering checkout. The platform handles more than a million operations a day across 30 markets in Europe and MENA.

The Payrails Platform is the modular, composable foundation the whole product suite runs on. You integrate once, then switch on the capabilities you need - orchestration, token vault, network tokenization, reconciliation, fee monitoring, unified analytics, and more - adopting individual modules or the full stack. With 100+ integrations, including SAP, Salesforce, Snowflake, Stripe, and Forter, it connects to the tools your teams already use.

Payrails is built for enterprises and high-volume merchants operating across multiple providers and markets - mobility, delivery, retail, hospitality, marketplaces, e-commerce, and subscription businesses. Companies like Puma, Vinted, Flix, InDrive, Just Eat Takeaway, and Careem use Payrails to run payments at scale.

You integrate the Payrails Platform once and connect your existing PSPs and payment methods. From there you configure routing rules, retries, and workflows in the dashboard - with no changes to your checkout code. Payrails optimizes each transaction in real time, then unifies the resulting data for reconciliation, analytics, and financial automation in a single view.

AI is native to the platform, not bolted on. Because Payrails unifies payments and financial data into one clean source of truth, it can apply intelligence across the whole stack - routing and retrying transactions to lift authorization rates, detecting anomalies in real time, matching transactions for reconciliation, defending chargebacks, and surfacing cost and performance insights through AI-powered analytics. Payrails is progressively moving from these assistive tools toward autonomous agents that handle routine payment and finance operations end to end.

Payrails is provider-agnostic, so clients keep full ownership and control of their payment credentials and data, with no lock-in to a single PSP. It is trusted by global brands including Puma, Vinted, Flix, InDrive, and Careem, partnered with Mastercard, and named Fintech & Payments Startup of the Year at the 2026 Juniper Research Future Digital Awards - alongside recognition in the CB Insights Fintech 100 and LinkedIn Top Startups 2025. Combined with enterprise-grade security and AI-native optimization, teams gain the freedom to switch providers, enter new markets, and cut costs while improving performance.