Fintech & Vending•Nayax

Nayax Overview

“Our partnership with SECO propels Nayax toward new frontiers in automated self-service retail, harnessing SECO’s extensive OEM network to extend our commercial reach into high-demand markets worldwide and accelerate broader adoption of our embedded payment platform. (...) We’re proud to work with SECO to offer game-changing, fully embedded payment solutions that unify telematics, analytics, and frictionless transactions under one umbrella.”Oren Tepper, Chief Commercial Officer of Nayax

01. The Challenge

OEMs operating in automated and self-service environments face a structural limitation: payments, device management, and user experience are often fragmented across separate systems.

This creates issues such as:

chevron_rightDisconnected payment and machine logic, leading to poor user experience
chevron_rightLimited access to transaction data and customer insights
chevron_rightHigh complexity in integrating payments into connected devices
chevron_rightIncreased costs due to multiple vendors and components

This challenge is particularly critical in sectors like:

chevron_rightVending & unattended retail
chevron_rightCoffee machines & food service equipment
chevron_rightEV charging infrastructure
chevron_rightSelf-service kiosks and smart retail systems

OEMs needed a way to embed payments natively into their devices, without adding complexity and with full control over data and operations.

02. The Solution

Through a strategic partnership, SECO and Nayax combined their technologies to deliver a fully integrated IoT + payment solution, purpose-built for OEMs.

The solution embeds Nayax’s global payment platform directly into SECO’s IoT-enabled devices, creating a unified architecture where payments, device management, and data are handled together.

This enables:

checkNative payment integration within connected devices (no external terminals)
checkA single platform combining:
checkReal-time visibility on transactions, device status, and user behavior
checkSupport for global payment systems and scalable deployments

The result is a compact, all-in-one solution that merges hardware, software, and payments into a single ecosystem, designed for seamless OEM integration.

checkEmbedded cashless payments
checkIoT device management
checkReal-time business intelligence
checkRemote machine control
checkGlobal scalability

03. The Results

The partnership unlocks a new level of efficiency and innovation for both Nayax and SECO customers.

For OEMs and operators:

checkFaster time-to-market with ready-to-integrate payment-enabled devices
checkReduced complexity by eliminating separate payment and IoT systems
checkLower operational costs through integrated hardware and software
checkImproved user experience with frictionless, seamless transactions
checkAccess to transaction data + machine data in a single platform

For end customers:

checkSmoother interactions with fully integrated, cashless experiences
checkFaster, more reliable transactions across self-service environments

Outcome: A unified IoT and payment ecosystem that allows OEMs to build smarter, connected machines with embedded payments, enabling new business models, better user experiences, and data-driven operations at scale.

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