We empower the world's most innovative digital financial services

PaymentComponents is a global B2B solution provider for the Open Banking age. We provide open and light software components in payments, financial messaging and open banking that can transform your business.

Our solutions are the necessary ingredients for more than 60 Banks and Financial Institutions spread across 20 countries, to help them innovate and become digital champions.

Like the pomegranate, secure and protected on the outside, yet ingeniously connected and rich in offerings in the inside.

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If it’s not simple, it's wrong

Sotiris Nossis

CEO, PaymentComponents


After studying in NYU and working at IBM, Sotiris Nossis formed Datamation. A “mission impossible” tech company

During the first years, the company implemented very focused “technology missions” for software industry giants

It then changed its focus to building applications for the financial industry only

Built the first financial component – The SWIFT messages validation libraries

The Paymentcomponents brand was formed, and the company componentised its products and itself

Built the second financial component. aplonHUB, the simplified way for financial institutions to exchange messages with each other

Created a spin-off taxi-hailing app, that was nominated at the World Mobile Congress. Exited the company three years later

Built the third financial component. UNUapi, showed that account aggregation was possible. Long before PSD2 and open banking

Paymentcomponents opens an office in London. At the heart of the fintech ecosystem

Built the fourth financial component. aplonAPI, helps financial institutions to compete in open banking

Introduced the “thinking APIs”. The extended UNUapi premium so that to leverage the open banking initiatives

We are celebrating 30 years of perpetual innovation

Launched FINaplo. The All-in-one Portal for the Financial Messages developers.
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Member of Innovate Finance - an independent not for profit organization serving the global FinTech community.
Contact us
+44 2071 172 538
Payment Components