Rivero offers a suite of payment operations solutions for card issuing financial institutions that enable them to vertically integrate their fragmented payment value chain.

Stephan Wächter, Head of Operations; Thomas Müller, Co-founder and CEO; and Fatemeh Nikayin, Co-founder and Head of Growth (from left to right)

Payment Infrastructure


Zurich, Switzerland

Inference investment stage

Series A


6 Degrees Capital, PostFinance, Kraken Ventures, Seed X

Follow on investors


Zurich, Switzerland


Rivero's innovative payment operations solutions enable financial institutions to simplify and digitize payment scheme compliance and dispute management. The company’s products cater to all players in the payment ecosystem, but in particular towards issuing banks.

Rivero's first product, Kajo, is the only solution on the market for payment scheme compliance and enables all licensees of payment networks to minimize the effort and the risks involved in this process.

The company's second product, Amiko, is the only SaaS solution that digitalizes the entire fraud recovery and dispute process. This helps issuing banks efficiently manage this process while offering a unique self-service experience to their customers. Amiko empowers banks to promote consumer protection of card payments to their customers without being concerned with increasing volume or costs.

In just three years since its go-to-market, Rivero has secured partnerships with over 20 well-established financial institutions, ranging from issuing banks to acquiring banks and payment processors. In 2022, Rivero became the first Swiss Fintech to be selected for the Visa Fintech Partner Connect program, an initiative that provides Visa's clients with access to a selection of best-in-class and trusted technology partners.


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