Nayax Due Diligence

Run due diligence on Nayax: check compliance and get alerts when suppliers change.

Israel · www.nayax.com · 26 vendors

Nayax Ltd. is a global fintech company that provides cashless payment solutions, telemetry, and management services for unattended retail environments. They offer integrated point-of-sale (POS) devices, a comprehensive management suite, and consumer loyalty programs. Nayax's solutions enable merchants to accept various payment methods and manage their operations across sectors like vending, self-checkout, and EV charging.

Resilience scores

Technology vendors

Services catalogue

3 services in catalogue across 2 categories; runs on 26 sub-vendors.

Insights

Last updated 2026-09-13 · revision 5

26 direct vendors, 267 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

5 in-scope frameworks identified; showing 3.

ISO 27001 (source) — Evidence found

Evidence: https://www.nayax.com/legal/nayax-general-privacy-policy/, https://www.nayax.com/wp-content/uploads/2022/05/Weezmo-ISO-27001-27018-Certificate-Valid-4.2023.pdf

SOC 2 (source) — Evidence found

Evidence: https://www.nayax.com/legal/nayax-general-privacy-policy/

GDPR (source) — No public evidence

Evidence: https://www.nayax.com/legal/nayax-general-privacy-policy/, https://www.nayax.com/legal/dpa-for-nayax-customers/, https://www.nayax.com/legal/users-rights-policy/

Financials

Three-year financials

Financial Resilience Score: 8/10

Nayax demonstrates good financial resilience, primarily driven by its robust revenue growth and a strong balance sheet post-IPO. Consistent year-over-year revenue growth exceeding 40% indicates strong market demand for its solutions and successful expansion strategies. This growth provides a solid foundation for future profitability and cash flow generation. The shift from an operating loss in FY2020 to positive operating income in FY2021 and FY2022 is a critical indicator of improving operational efficiency and scalability. While operating margins are still relatively thin, this trend suggests a path towards sustainable profitability as the company continues to scale. The substantial increase in total equity following its 2021 IPO provides Nayax with a strong capital base. This reduces reliance on debt, offers financial flexibility for strategic investments (e.g., R&D, M&A), and acts as a buffer against potential economic downturns. A significant portion of Nayax's revenue comes from recurring sources (transaction fees, SaaS fees), which provides greater revenue predictability and stability compared to purely hardware-driven models. The relatively low operating income despite high revenue growth suggests that Nayax is actively reinvesting in its business for future expansion, product development, and market penetration. While this impacts short-term profitability, it is a common strategy for high-growth technology companies and can lead to stronger long-term resilience. Areas for Monitoring: Continued improvement in operating margins and positive free cash flow generation will be key indicators of strengthening financial resilience going forward.

Key strengths: Strong Revenue Growth, Transition to Operating Profitability, Solid Equity Base, Recurring Revenue Model, Growth-Oriented Investment

Risk factors: Need for continued improvement in operating margins and positive free cash flow generation

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