Companies · Fintech

Paymento

Fintech

Diligence memoA one-page analyst read on Paymento — recommendation, valuation, rhythm, risks.
$4.5M
Total raised · real
1
Rounds
Latest step-up
Top 17%
Sector rank · raised
Series A
Latest stage · inferred · Mon May 20 2024 00:00:00 GMT+0000 (Coordinated Universal Time)

Paymento looks under-valued against its niche peers and is at-risk on financing cadence.

Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.

Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.

Under-valued
  • Modeled value is 0.41× the median modeled value of Series A Fintech companies in 2022–2024 (32 peers) — value vs value, same stage and era.
At-risk
  • Last raise 2.1 yr ago; this sector typically re-raises about every 12 months.
  • Past due for a raise versus sector cadence — watch for distress or a bridge.
Where it sits in Fintech

Paymento is one of 1063 Fintech companies tracked. By capital raised it ranks in the upper tier (ahead of 84% of sector peers), and in the upper tier by modeled valuation est..

Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.

AI analyst read est. — model-extracted from this company's public description, not a verified fact. 30%

operates a technology-led product inferred from public copy

Grounded in: “You are a venture analyst

Paymento, a Berlin-based embedded payments provider, has closed a €4.2 million Series A round led by Project A Ventures to expand across the DACH region.

Paymento, a Berlin-based embedded payments provider, has closed a €4.2 million Series A round led by Project A Ventures to expand across the DACH region.

fintech

As reported in public records reported — not modeled.

US
Jurisdiction
Amount raised vs valuation, by round

Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.

Amount raised · realModeled valuation · estCumulative funded · real
$0$13M$25M$38M$50MSeries A · 2024-05-20 Raised $4.5M (real) Modeled valuation $26M (est)$4.5M$26MSeries A2024

The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.

Financing ladder & sequence gaps
Series A$4.5M · 2024

Stages are modeled from round size (public records carry no series label). No record for: Pre-Seed, Seed — the company may have raised it under a different exemption, merged it into an adjacent record, or skipped it. Sequence completeness: 33%.

Modeled valuation trajectory
$26.1M
Base estimate est.
$5.9M
Conservative case
$58.0M
Upside case
$20.6M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Series Aa $4.0M–$15M round). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.

Not enough modeled valuation points to chart a trajectory.

Model inputs · modeled:benchmark-stage-stepup-v1
22%
Dilution assumption
Implied ownership sold in the financing.
53%
Survival probability
29% low · 72% high
1.51×/yr
Annual markup
1.90×/yr upside case
2.1 yr
Elapsed time used
2.1 yr actual, capped for stale marks
fintech
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
Avg between rounds
Capital velocity
2.1 yr
On record since
2024
First round
1
Rounds on file
How it compares to the market

Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.

Total raised — vs sector median (real $, all stages) 1.1× above median
This company$4.5M
Sector median$4.3M
Latest round — vs other Series A rounds in sector (real $, this stage) 0.7× of median
This company$4.5M
Sector median$6.1M
Modeled value — vs sector median (estimate, all stages) 0.6× of median
This company$26.1M
Sector median$45.1M

Raised more than 84% of sector peers (real $). Modeled value above 78% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (Series A) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #28 of 32.

This companyCohort peer
$10.0M$100.0M$1.0B$1.0M$10.0M$100.0MCapital raised (log)Thndr · Series A Raised $20.0M · modeled $294.9M (est)Peach Payments · Series A Raised $31.0M · modeled $284.5M (est)Bite Ninja, Inc. · Series A Raised $15.4M · modeled $164.9M (est)Kinside Inc. · Series A Raised $16.7M · modeled $152.0M (est)Plerk Holdings LLC · Series A Raised $12.0M · modeled $143.0M (est)GroMo, Inc. · Series A Raised $11.0M · modeled $141.5M (est)RYSE Inc. · Series A Raised $10.0M · modeled $112.8M (est)Neural Payments, Inc. · Series A Raised $13.2M · modeled $107.1M (est)Bizao · Series A Raised $8.2M · modeled $100.6M (est)Purestream Trading Technologies Inc. · Series A Raised $24.9M · modeled $90.5M (est)Ccl Trading Co Inc · Series A Raised $7.5M · modeled $90.2M (est)Pioneer Valley Trading Company, Llc · Series A Raised $8.0M · modeled $83.9M (est)Paymento (this company) Raised $4.5M · modeled $26.1M (est)Paymento
CompanyStageRaised · realValue · estvs peer med.
ThndrSeries A$20.0M$294.9M4.60×
Peach PaymentsSeries A$31.0M$284.5M4.44×
Bite Ninja, Inc.Series A$15.4M$164.9M2.57×
Kinside Inc.Series A$16.7M$152.0M2.37×
Plerk Holdings LLCSeries A$12.0M$143.0M2.23×
GroMo, Inc.Series A$11.0M$141.5M2.21×
RYSE Inc.Series A$10.0M$112.8M1.76×
Neural Payments, Inc.Series A$13.2M$107.1M1.67×
BizaoSeries A$8.2M$100.6M1.57×
Purestream Trading Technologies Inc.Series A$24.9M$90.5M1.41×
Ccl Trading Co IncSeries A$7.5M$90.2M1.41×
Pioneer Valley Trading Company, LlcSeries A$8.0M$83.9M1.31×
Paymento this companySeries A$4.5M$26.1M0.41×
Full financing history

Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.

StageAmount · realAnnouncedPost-money · estValue · estConf.
Series A$4.5M2024-05-20$20.6M$26.1M45%
What happened at each round

Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.

  1. Series A$4.5M2024-05-20
    • First recorded raise — entered as Series A.
Intelligence
Modeled next raise
$7.3M
Modeled next size est.range $4.7M$11.6M
Last step-up
Capital velocity

Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.

Registry & provenance

Paymento is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.

United States
Country of record
US
Jurisdiction
Similar companies

Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.

CompanySectorStageRaised · realValue · estWhy similar
Maple AviationFintechSeries A$4.3M$10.5Msame sector · same stage
TalentirFintechSeries A$4.3M$10.5Msame sector · same stage
Revio Pay IncFintechSeries A$4.3M$33.0Msame sector · same stage
Marble Pay, Inc.FintechSeries A$4.2M$45.9Msame sector · same stage
HoneyCoinFintechSeries A$4.9M$17.0Msame sector · same stage
Prestamype Fintech Group Holdings LtdFintechSeries A$4.2M$32.9Msame sector · same stage
Payment Box, Inc.FintechSeries A$5.0M$14.1Msame sector · same stage
Confido Inc.FintechSeries A$6.0M$13.7Msame sector · same stage
Semantically similar

Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.

CompanySectorStageValue · estMatch
Paystack, Inc.
Modern payments infrastructure for Africa
FintechSeries A$292.6M79%
Paylo Pay LtdFintechSeed$9.7M78%
xPay
International Billing Ops, Sales Tax and Payments for SaaS businesses
FintechPre-Seed$10.9M78%
PayTango
Simple invoicing
Fintech77%
Apto Payments, Inc.
API platform for partners to issue branded debit and credit cards to…
FintechSeries B$357.9M77%
Touch and Pay Technologies Limited
Digitizing and processing Microtransactions in Africa
Fintech76%
Joe
We let customers "Buy Now Pay Later" on any store in Europe.
Fintech75%
Bridgecard
Card issuer for Africa
FintechPre-Seed$6.9M75%
Frequently asked
How much funding has Paymento raised?
Paymento has raised approximately $4.5M in disclosed capital across 1 recorded financing round, aggregated from public filings.
What is Paymento's estimated valuation?
Provath's modeled valuation for Paymento is approximately $26.1M (modeled range $5.9M–$58.0M). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is Paymento at?
Paymento's latest modeled financing stage is Series A. Its most recent recorded round closed around Mon May 20.
What does Paymento do and where is it based?
Paymento operates in the Fintech sector. Paymento, a Berlin-based embedded payments provider, has closed a €4.2 million Series A round led by Project A Ventures to expand across the DACH region.
Explore related

See where Paymento sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.

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