Leadership

• Raluca Micu — Chief Executive Officer, NETOPIA Payments / NETOPIA Holding.
• Delia Paceagiu — Chief Operating Officer and Board Member, NETOPIA Payments.
• Antonio Éram — Founder and Member of the Supervisory Board.
• Felix Crișan — Co-Founder, NETOPIA.

Short Introduction

NETOPIA Payments is one of Romania’s best-known digital-payment platforms and, since July 2026, a payment institution authorised by the National Bank of Romania. Through NETOPIA Financial Services S.A., the company provides regulated payment-acquiring infrastructure together with a broad merchant toolkit covering online card payments, digital wallets, tokenised checkout, recurring and instalment payments, marketplace flows, BNPL and payment links.

About the Company

The NETOPIA group was founded in 2003 by Antonio Éram and Felix Crișan, with a focus on combining technology and electronic payments for Romania’s growing e-commerce market. The group developed NETOPIA Payments, mobilPay Wallet and other digital services and became a major local payments provider.

The current operating entity, NETOPIA FINANCIAL SERVICES, was established in 2020 and changed its legal form from S.R.L. to S.A. effective 31 January 2025. In 2023, a majority stake in the NETOPIA group was acquired by Innova Capital, while the founders remained involved in the broader ecosystem.

NETOPIA states that more than 25,000 businesses use its services and that the NETOPIA Payments platform processes more than a quarter of Romania’s online card transactions annually. Its merchant offering spans card acquiring, SMS payments, digital wallets and checkout optimisation tools, with integrations for major e-commerce, SaaS, invoicing and financial platforms.

A major regulatory milestone was reached on 10 July 2026, when NETOPIA FINANCIAL SERVICES S.A. became an active payment institution in the National Bank of Romania’s register under number IP-RO-0018. The company’s public strategy is to evolve from a payment processor toward a broader regulated financial-services platform for merchants.

Products & Services

• Online card payments — online acceptance of Visa and Mastercard cards through NETOPIA’s merchant payment infrastructure, including 3D Secure processing.
• Link2Pay — a secure payment-link solution that allows merchants to collect card payments without a technical website integration.
• One-click payments — tokenised checkout that lets returning customers reuse securely stored card credentials for faster payments.
• Recurring payments — card-based recurring collections for subscriptions, bills and other repeat-payment use cases.
• Instalment payments — online card instalments through participating partner banks, integrated through the NETOPIA checkout.
• Marketplace / split payments — payment flows designed for marketplace models, including real-time allocation of transaction amounts between participants.
• Google Pay & Apple Pay — wallet-based card payments enabling faster checkout using cards already stored in Google Wallet or Apple Wallet.
• Click to Pay — Visa- and Mastercard-supported tokenised checkout with streamlined authentication and Passkey/FIDO functionality.
• Buy Now, Pay Later — PayPo — BNPL option allowing eligible customers to defer payment for up to 30 days and, where available, extend repayment into instalments.
• Buy Now, Pay Later — Oney — BNPL option allowing eligible customers to divide purchases into three or four equal payments using a debit card.
• NETOPIA Business Card — a business-card proposition linked to the NETOPIA merchant ecosystem and designed to return processing-fee value through eligible card spending.
• Special-card acceptance — acceptance of eligible meal, holiday, gift, cultural and other special-purpose cards through partner schemes.
• SMS payments — micro-payment and recurring-payment functionality via SMS, connected to Romania’s major mobile-network operators.
• mobilPay Wallet — NETOPIA’s digital-wallet product for mobile payments and wallet-based customer experiences.

Licences & Regulatory Status

NETOPIA Financial Services’ regulatory and security position includes the following:

• BNR-authorised Payment Institution: NETOPIA FINANCIAL SERVICES S.A. is an active payment institution in the National Bank of Romania’s register under number IP-RO-0018, with authorisation effective from 10 July 2026.
• Authorised payment service: The public information reviewed states that the authorisation currently covers acceptance/acquiring of payment instruments. The company may provide this regulated service in its own name under BNR supervision.
• PSD2 / Romanian payment-services framework: As a Romanian payment institution, NETOPIA Financial Services operates under the Romanian implementation of PSD2, including Law No. 209/2019 and applicable National Bank of Romania regulations.
• PCI DSS Level 1: NETOPIA Payments states that its card-payment infrastructure is PCI DSS Level 1 certified, supporting the secure handling of payment-card data.
• 3D Secure and anti-fraud controls: The platform uses 3D Secure and proprietary anti-fraud filters to authenticate transactions and identify suspicious payment activity.
• ISO/IEC 27001: NETOPIA’s public materials identify ISO/IEC 27001 information-security certification as part of its security and governance framework.
• Regulated-status transition: The July 2026 authorisation marks NETOPIA’s transition from a technical payment processor to a BNR-supervised payment institution for its authorised acquiring activity.

Company identifiers: CUI 43131360; Trade Register J2020012763401 (also displayed in legacy format as J40/12763/2020); EUID ROONRC.J2020012763401; LEI 787200ZHOZ4IDUAVRO52; BNR Payment Institution Register IP-RO-0018; registered office: Bd. Dimitrie Pompeiu nr. 9-9A, IRIDE Business Park, Building 24, 4th floor, room 4A, Sector 2, Bucharest, Romania.