NumaFi: Enhancing Payment Services through a strong focus on Risk and Compliance

The payments industry is evolving rapidly, and with it comes new challenges for acquirers, merchants, and intermediaries. Founded in 2025 in Marbella, Spain, NumaFi Solutions S.L. was established with the mission of delivering a value-driven, risk and compliance focused approach to payment services, built on trust, technology, innovation, integrity, and security.

Strengthening the Payment Ecosystem Through Risk and Compliance

The ISO landscape has long centered around merchant acquisition and transaction growth. Today, there’s an opportunity to complement that focus with greater attention to risk management, compliance, and sustainable portfolio development. NumaFi was founded to focus on this opportunity, having as vision to positions itself as a security and performance layer between acquirers and merchants.

The company’s role is to:

• Help acquirers onboard merchants with confidence.
• Reduce exposure to fraud and regulatory pitfalls.
• Build portfolios that grow in both volume and quality.
• Simplify compliance for merchants while enabling faster onboarding.

What Sets NumaFi Apart

NumaFi stands out because of its compliance-driven, risk-focused approach. The company’s goal is to integrate fraud prevention, merchant risk scoring, regulatory oversight, and monitoring into every stage of the merchant lifecycle.

This proactive approach enables both acquirers and merchants to scale sustainably in an environment of increasing scrutiny from card schemes and regulators. Initiatives such as Visa VAMP and enhanced monitoring frameworks highlight the importance of placing greater emphasis on risk and compliance within the payments ecosystem.

About the Founder: Wolfgang Specht

Behind NumaFi is its Founder and CEO, Wolfgang Specht, a seasoned leader with more than 15 years of international experience in card acquiring and payments. His career spans consulting, banking, and Acquirer Leadership Roles, with a strong specialization in risk, compliance, and portfolio management.

Before launching NumaFi, Wolfgang served as Group Executive Director for Merchant Risk and Card Scheme Management at a European Acquirer, where he developed and implemented global merchant risk strategies, card scheme compliance control programs, and portfolio risk management frameworks.

Wolfgang’s decision to establish NumaFi came from a conviction: the payments industry doesn’t just need more volume; it needs trust, transparency, and resilience. Having worked closely with acquirers, regulators, and card schemes, he aims to place a strong emphasis on innovative risk and compliance solutions designed to help merchants and acquirers effectively to manage and enhance their portfolio performance.

NumaFi is Wolfgang’s vision brought to life — a company designed to protect acquirers from unnecessary exposure, safeguarding merchants against reputational and regulatory risks, and creating an ecosystem built on security and trust, by focusing on risk and compliance management solutions.

Final Thoughts

In an industry where compliance and risk management are now as critical as transaction volume, the vision of NumaFI is to specialize in advanced risk and compliance solutions that continuously adapt to the evolving needs of the payments ecosystem. By embedding risk and compliance management into every stage of the merchant lifecycle, the company employs a risk and compliance oriented approach in order to ensure sustainable growth.

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