Payemoji offers a cloud-native platform that embeds agentic AI into WhatsApp, SMS, email and other messaging channels so businesses can accept payments, issue refunds and converse with customers without exposing card data. By converting card-not-present transactions into secure chat experiences, the company removes chargebacks, ensures full PCI compliance and boosts conversion through personalized engagement. The solution provides zero-IT secure portals, developer APIs and automated workflows and is already used by enterprises such as AIB Merchant Services (Fiserv), Pizza Hut, Cover-More Group, FireFish Software and Loxo. Management reports more than 3× year-on-year revenue growth and cites measurable impact, including elimination of chargebacks on high-volume CNP transactions and automated refund campaigns that satisfy regulatory requirements. Operating in an estimated €13.5 billion AI payments market growing at 10.2 % CAGR, Payemoji plans to scale its partner ecosystem by integrating additional payment gateways, CRMs and enterprise customers across Europe. The company has garnered industry recognition, winning AI Solutions Provider of the Year 2025 and admission to the Central Bank Innovation Sandbox 2026. To date, Payemoji has secured over €4 million in funding from private angel investors and Enterprise Ireland, positioning it for continued expansion.

Total raised

$1M

Funding rounds

1

Latest round

Equity

Latest activity

Jan 2026