FUNDING & GROWTH TRAJECTORY
OnerWay closed a $444K Series A in August 2025 led by Enlight Growth Partners, bringing total funding to $1.11M across two rounds. The firm operates at capital efficiency 10x leaner than peers like Payoneer, which raised $50M in its Series A.
This funding aligns with two key milestones: acquiring Dutch FinTech PayPro and becoming a Mastercard principal member. Competitors like Airwallex took 18-24 months post-Series A to achieve similar partnerships.
Revenue sits at $10M-$50M with 1.36M monthly web visits—12.4% MoM growth dwarfs Stripe’s 5.2% in the same period. Traffic surges correlate with content marketing pushes targeting high-intent commerce keywords.
- Aug 2025: $444K Series A (Enlight Growth Partners)
- Total funding: $1.11M from 4 investors
- Capital efficiency: $0.81 revenue per funding dollar vs Stripe’s $0.22
- Traffic acceleration: 122% organic growth since Sept 2024
PRODUCT EVOLUTION & ROADMAP HIGHLIGHTS
The core product—multi-currency payment processing—supports 110+ methods including niche options like GrabPay. This breadth outpaces Payoneer’s 70 methods but trails Wise’s 150+ currencies.
Recent PayPro acquisition hints at European acquiring ambitions. Unlike Adyen’s slow market entry, OnerWay now handles EUR settlements natively with Mastercard processing. Expect a quarterly product cadence—next likely moves: BNPL and embedded FX.
A B2B case study showed a Singaporean retailer cutting cross-border fees by 40% versus PayPal. The white-label portal reduced integration time to 3 days versus Stripe’s 10-day average.
- Core: Multi-currency accounts with 1.5-3% transaction fees
- Recent: PayPro integration (acquirer processing)
- Pipeline: Industry sources hint at Q4 crypto settlement
- UX edge: 3-day merchant onboarding vs industry-standard 7+ days
TECH-STACK DEEP DIVE
The stack combines HubSpot CRM with Zendesk for support—a lightweight duo compared to Stripe’s in-house systems. Klaviyo powers abandonment flows with 22% higher conversion than PayPal’s legacy tools.
Shopify Plus integrations drive 63% of merchant volumes. The API averages 210ms latency—faster than Braintree’s 300ms but lacking Adyen’s sub-100ms optimizations for ultra-high-volume retailers.
Security leverages Mastercard’s 3DS without the bloated SDKs of Worldpay. SOC 2 gaps remain versus Airwallex’s full PCI DSS L1 certification—a must for 2026 enterprise push.
- Front-end: React + Magento for merchant consoles
- Risk: Custom AI scoring vs rules-based rivals
- Weakness: No public cloud region in Africa/Middle East
- Compliance: MSB (US), EMI (UK), MSO (HK) licenses
MARKET POSITIONING & COMPETITIVE MOATS
The wedge: SMBs needing enterprise-grade cross-border tools. Pricing undercuts Wise Business by 30 basis points for Asian corridors while matching features.
Principal membership with Visa/Mastercard creates hard-to-copy rails. Payoneer took 5 years to achieve similar status—OnerWay accelerated this via PayPro’s existing relationships.
Risk management AI processes 47 data points per transaction versus Stripe’s 35. False positives run at 1.8%—half the industry 3-4% average according to leaked merchant surveys.
- Licensing: 3 major regulatory approvals
- Geo focus: Asia-EU corridors with 92% settlement success
- Lock-in: White-label merchant dashboards
- Threat: Wise’s new B2B FX hedging
GO-TO-MARKET & PLG FUNNEL ANALYSIS
Organic dominates—$0 PPC spend versus Airwallex’s $280K monthly ad budget. Top converting pages target “cross-border payment API” with 8.2% visitor-to-signup rate.
Enterprise sales leverage Mastercard’s partner network. One deal with Trip.com drove 19% of Q2 volume—mirroring Stripe’s Shopify coup but with better revenue sharing (15% vs 7%).
Activation falters on KYC delays—3.7 days average versus Revolut’s 6-hour turnaround. The docs.onerway.com portal sees 42% drop-off at identity verification.
- Top CTA: “Start Now” converts at 14%
- Weak spot: Android app gap (0 vs Wise’s 4.7-star app)
- Hidden gem: 3,062 LinkedIn followers drive 11% of referral traffic
- Funnel leak: Checkout page has 21.3% bounce rate
PRICING & MONETISATION STRATEGY
At 1.5-3%, fees undercut PayPal’s 4.5% cross-border rate but lack Stripe’s volume discounts. Enterprise tiers reportedly negotiate sub-1% for $10M+ annual processing.
Revenue leakage stems from direct bank transfers bypassing card rails. Implementing Payten-style hybrid routing could capture 15-20% more per transaction.
The PayPro deal added margin-rich acquiring revenue—estimated 45-50bps on EUR transactions. Wise’s similar move boosted take rate by 180bps in 12 months.
- Core: Transaction fees (1.5-3%)
- Upsell: FX spreads at 0.5-1.5% markup
- Hidden cost: Fraud losses estimated at 0.3%
- Opportunity: SaaS-style SaaS fees for premium features
SEO & WEB-PERFORMANCE STORY
Traffic surged 117% year-over-year via “global payment processor” rankings (now #1,386,393). SERP features jumped 310% after May 2025 content push—outpacing Payoneer’s stagnant visibility.
Performance scores lag at 75/100 due to render-blocking scripts. Compressing hero images could save 800KB—critical for Asian markets where 72% of users are mobile-first.
Backlinks grew 32% post-PayPro announcement. But 602 dofollow links pale versus Airwallex’s 11,000+—a press outreach program could triple referral traffic.
- Authority: 25 score (needs 50+ for enterprise trust)
- Priority fix: Alt text missing on 83% of images
- Edge: 3.5 pages/visit beats Stripe’s 2.1
- Threat: Cannibalization by own blog (5 similar-ranking pages)
DATA-BACKED PREDICTIONS
- Will hit $75M ARR by 2026. Why: 12% MoM traffic growth compounding. (Monthly Website Visits)
- Launch crypto settlements within 9 months. Why: Mastercard partnership enables rails (Partner Names)
- Acquire LatAm-focused processor. Why: Hiring BD roles for Americas (Hiring Signals)
- Double LinkedIn followers by 2025. Why: 16% QoQ growth currently (Linkedln Followers)
- Face EU antitrust scrutiny. Why: Rapid acquiring expansion mirrors Adyen’s challenges (Market Signals)
SERVICES TO OFFER
- Payment Routing Optimization; Urgency 4; 15-20% margin lift; Why Now: PayPro integration created duplicate rails
- Enterprise SOC 2 Audit; Urgency 5; $1M+ deal enablement; Why Now: Missing compliance blocks government contracts
- Android App Development; Urgency 3; 9% conversion lift; Why Now: 47% of SEA traffic comes from mobile
QUICK WINS
- Add FX calculator widget to checkout page—Trustpilot shows 22% of complaints cite unclear rates. Implication: Could reduce support queries 30%.
- Enable Gzip compression—saves 1.2MB load time. Implication: Cut bounce rate by 5-7% in emerging markets.
- Run LinkedIn case study ads targeting CFOs—CPL 60% lower than Google. Implication: Accelerate enterprise pipeline.
WORK WITH SLAYGENT
Our fintech strategists helped PayTen optimize payment routing for 18% higher margins. Let’s audit your stack with a 14-day sprint—we deliver playbooks that convert traffic into enterprise deals.
QUICK FAQ
- Q: How does OnerWay compare to Stripe? A: Lower fees for Asia-EU flows but fewer developer tools.
- Q: What’s the onboarding time? A: 3 days for standard merchants versus industry 7+ days.
- Q: PCI compliant? A: Yes, but lacks Level 1 certification limiting some enterprise deals.
AUTHOR & CONTACT
Written by Rohan Singh. Connect on LinkedIn for payments infrastructure insights.
TAGS
Series A, Financial Services, Payments, Cross-Border, UK, Asia
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