IPP Europe

Democratize Card Payments

Freedom to enhance
Freedom to collaborate
Freedom to evolve

Our team have worked within Card Payments and developed some of the largest Scandinavian Payment Facilitators.
With more than 10 years in the market, we develop and design the future of Payment Service Providers and Payment Facilitators.

Small VISA Logo
Small MasterCard Logo
American Express AMEX
Payment Card Industry
Open Source Initiative (OSI)

Open Source Payments is designed by IPP, for a broader reach than usual payment infrastructure providers.

The software is designed to emphasize accessibility, increase performance, enhance security and increase the ease of use for Card Payments. We belive and trust great software must work with a minimum number of setup requirements, so you can solely focus on your own product and services.

The idea of the IPP software, is to increase the global reach for payments, by decreasing the borders to get started. We do also offer some very powerful features for each Fintechs growth and scalability.

We feel comfortable in democratizing Card Payments and the freedom for us come through MIT-licensing our software as Open Source. By support and beliving in this idea, have gathered a large community of people who daily collaborate on and around this project. 

The Open Source Payments have contributors from all around the globe, who all work dedicated and numberless hours to build the tool, that can democratize Card Payments. IPP is open source software that is both free and priceless.

Our story

It all started with a big reset

IPP started in october 2021, when Camilla Thomsen and Mathias Gajhede initialized the idea of designing a set of Payment Instruments as Open Source. Both had processed as a Payment Facilitator before, and knew the market underestimated needs for an well-architected, secure and open Payment system did exist even then.

Both had well paying jobs, but knew something in the market wasn’t right – which called for a big reset, and redesigning the full set of ideas behind Payment Processing.

Today, IPP is build on PHP, with use of filestore and/or MySQL and is licensed under the MIT license. It is also the standard platform of choice, when new startups or web agencies wish to enter the Fintech market.

IPP have evolved rapidly and in many progressive ways over time – supported by dedication, skills, enthusiastic developers, feedback and enthusiastic payment and fintech people. IPP provides the opportunity for everyone to join and participate in the movement happening globally today.

New startups with only very limited Payment-experience or limited tech experience can use the “out of the box” solutions, while the most tech-savvy Fintechs all customize our solutions into their own scalable products.

Woman writing at her MacBook Computer about IPP Europe
Massachusetts institute of technology mit-license

The MIT license is a permissive software license that permits people to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the software without restriction, subject to certain conditions.

Basically, you can do anything you want with the software as long as you include a copy of the license along with it. The license also provides a disclaimer of liability, stating that the software is provided “as is” and without warranty of any kind.

This means that the software author is not responsible for any damages that may occur from its use. Overall, the MIT license is a simple and flexible license that promotes the widespread use of open source software.

The MIT license, in plain english

Commercial Use

The selection of MIT opens up the capabilities to use our software commercially, and embed it into your own software. Just remember to mention us and our Copyrights.


If it doesn’t work exactly as you want, you are free to change the workflow and tools. This increases the opportunities for you to customize it for your specific needs.


You are allowed to redistribute the code both as the original source code and as an complied version.


You can incorporate our work into something else, with a more restrictive license.

Private Use

You can privatize the use of our work, for any other use.