Symphopay ONE addresses one of the biggest structural challenges in modern acquiring — fragmentation. By connecting every channel, merchant, and transaction under one intelligent orchestration layer, banks can operate with greater visibility, agility, and control.
At this year’s Banking 4.0 conference, Symphopay, the Romanian fintech specializing in omnichannel payment orchestration, officially launched Symphopay ONE, a new platform designed to help banks reclaim leadership in the payments ecosystem by transforming acquiring into a strategic growth engine.
For decades, acquiring has been viewed as a transactional utility — fragmented across systems, vendors, and channels, generating costs rather than strategic value. As fintechs innovate faster and merchants expect unified omnichannel experiences, many banks risk losing visibility and influence in the payment journey.
“The future of acquiring belongs to banks that control the customer experience — from payment to engagement,” said Daniel Nicolescu, CEO of Symphopay. “With Symphopay ONE, we’re giving acquiring the agility of a fintech, powered by the trust of a bank. It’s time for banks to lead again.”
Symphopay ONE addresses one of the biggest structural challenges in modern acquiring — fragmentation. By connecting every channel, merchant, and transaction under one intelligent orchestration layer, banks can operate with greater visibility, agility, and control.
The result is a scalable ecosystem where payment data, engagement, and innovation converge — allowing banks to expand their merchant business, reduce complexity, and unlock new revenue opportunities.
“Our experience gained from working with technical services providers supporting large retailers and their acquiring business highlights the value of modern payment orchestration. The vision behind innovative solutions like Symphopay ONE reflects a broader industry direction toward a more digital, agile, and merchant-centric payments ecosystem—one designed to generate value well beyond basic acceptance.” – Maricela Lițcanu, Global Transaction Banking Executive Director at BRD – Groupe Societe Generale.
Recognized as one of the key highlights of Banking 4.0 2025, the launch of Symphopay ONE marks a turning point for the regional payments industry.
“What Symphopay is doing with ONE is reshaping how banks approach acquiring,” said Sergiu Cone, Founder of Banking 4.0. “It’s a signal that technology and strategy can finally align — not just to keep up with fintechs, but to lead innovation in the region.”
Founded in 2015, Symphopay has established itself as a trusted middleware layer between banks and merchants. The company’s technology is already powering payments for some of Romania’s most important retailers — including Profi, eMAG, Intersport, FAN Courier, Sameday, NEPI, Farmacia Tei and many others — handling millions of monthly transactions across physical and digital channels.
In 2025, Symphopay’s transaction volumes grew 10x, reflecting both the scalability of its architecture and the increasing demand for bank-led omnichannel payment solutions.
Symphopay is a Romanian fintech company specializing in payments orchestration for banks and enterprise merchants. Through its cloud-based platform, Symphopay connects payment channels, acquirers, and loyalty systems into a unified ecosystem that enables real-time insights, seamless integrations, and new customer engagement models.
Symphopay ONE represents the next stage in this journey — empowering banks to transform acquiring into a growth business, not just a service.
More information: www.symphopay.com
Banking 4.0 – „how was the experience for you”
„To be honest I think that Sinaia, your conference, is much better then Davos.”
Many more interesting quotes in the video below:
