Divilo is a Madrid-based B2B fintech that lets businesses and self-employed professionals take card payments without a traditional POS terminal — its flagship Tap to Phone product turns an Android phone into a card reader, alongside payment links, QR payments and an e-commerce gateway. It is a payment entity registered with the Bank of Spain (no. 6905) and a Visa principal member, and by late 2023 had raised over €12M in total at a reported ~€50M valuation, with Celestino García (ex-CEO of Samsung Spain) joining as general manager while founder Juan Guruceta moved to executive chairman.
SectorsFintech, Payments, B2B SaaS
Start-up MapFintech › Payments & merchant checkout
Founders
Global models 5
SSumUp
United Kingdom · www.sumup.com ↗
Licensed payment institution selling card acceptance to small merchants and self-employed people through low-cost readers, Tap to Pay on phones, payment links and QR codes, earning a fee on each transaction.
$1.6BComparable
MMollie
Netherlands · www.mollie.com ↗
Licensed European payment provider for SMEs offering an online gateway, payment links and in-person payments, paid through per-transaction fees.
$940MComparable
SSquare
United States · squareup.com ↗
Pioneered turning phones into card readers for small businesses and sole traders, with payment links, online checkout and Tap to Pay, earning a cut of each payment (VC raised before its IPO).
$590MComparable
IiZettle
Sweden · www.zettle.com ↗
Mobile point-of-sale for European micro-merchants, letting them take card payments on a smartphone with a small reader and payment links for a transaction fee; acquired by PayPal.
$270MComparable
YYoco
South Africa · www.yoco.com ↗
Sells small businesses a phone-based card reader, tap-on-phone acceptance and payment links, making money from per-transaction fees.
$107MComparable
In the same niche 25 others
See all in the Start-ups Map →
Notes: Most funded first
Investors 3
Open as list →
Funding rounds 3
| Date | Round | Amount | Lead |
|---|---|---|---|
| 2023-10-03 | Series A | €6M | Lead not disclosed |
| 2021-08-10 | Seed (estimated) | €4M | Lead not disclosed |
| 2020-01-27 | Seed | €1.2M | Lead not disclosed |
News 3
Open as list →| Published | Article |
|---|---|
| 2025-11-06 |
El Banco de España multa a Divilo Fintech y a su presidente con 54.000 euros ↗
EFE / Investing.com
2025-11-06 |
| 2025-04-28 |
10 Bold New Startups Driving Innovation Across Spain ↗
TechRound
2025-04-28 |
| 2023-10-03 |
The fintech Divilo closed a EUR €6 million funding round ↗
Contxto
2023-10-03 |