London-based paytech firm Payabl. has elevated its head of product, Breno Oliveira, to chief product officer, effective immediately, signaling a strategic push into deeper European expansion amid intensifying competition in modular payments platforms. The announcement, made on January 20, 2026, underscores the company’s reliance on internal talent to drive its next growth phase, as Oliveira takes the helm of product strategy at a time when merchants demand seamless, unified financial tools.

Oliveira joined Payabl. in 2022 as a product manager focused on core banking products, advancing to head of product in February 2025. During his tenure, he orchestrated key developments including card issuing capabilities, a mobile software development kit, and a cloud-native core banking platform. He also broadened payment method support to encompass American Express, SEPA Direct Debit, and Wero, addressing merchant needs for diverse, localized options across the UK and EU. FinTech Futures detailed his contributions as central to these advancements.

In his expanded role, Oliveira will prioritize expanding the card issuing portfolio, enhancing mobile functionalities, and fortifying Payabl.’s foothold in the UK and EU markets. Central to this agenda is the ongoing evolution of payabl.one, the firm’s unified interface that integrates acquiring, issuing, and payment accounts into a single modular platform. This move aligns with Payabl.’s pattern of internal promotions, following Christia Evagorou’s elevation to deputy group CEO in 2025 to sharpen long-term strategy.

Oliveira’s Proven Track Record

Before Payabl., Oliveira served as technical product owner for core banking at Vodeno, spent nearly two years at EPAM Systems, and two years as an IT business analyst at HSBC. His nearly 15-year career includes stints at UBS as a data analyst and product owner. This banking pedigree has informed his approach at Payabl., where he has championed customer-centric innovation. In a company post on X, Oliveira stated, “We are entering a new phase of growth and international expansion at payabl. My focus is to ensure that payabl. builds products that are reliable, well-designed, and grounded in real merchant needs.” Payabl. on X

His leadership shone in high-profile launches. At Money20/20 Europe 2025, Oliveira unveiled payabl.one, describing it as a platform balancing flexibility and usability: “Creating something both flexible and easy to use was tough, but his team was determined to make it work. The end product strikes a good balance between functionality and a strong framework.” He emphasized embedded finance as vital for merchants, allowing focus on core sales while leveraging AI against fraud. FF News

Oliveira’s vision extends to B2B payments, where Payabl. introduced virtual business cards in June 2025, targeting e-commerce firms, startups, and scale-ups for secure spending controls. “The virtual cards market is booming, with transactions now in the billions and set to rise significantly,” he noted, highlighting 94% of users reporting faster, more secure transactions. FF News

Payabl.’s Modular Payments Momentum

Founded in 2011 with headquarters in London and offices across Cyprus, Germany, the Netherlands, Italy, Poland, Lithuania, and the UK, Payabl. empowers merchants with card acquiring, over 300 alternative payment methods, multi-currency business accounts, POS terminals, and virtual card issuing. Regulated by the Central Bank of Cyprus and the UK’s Financial Conduct Authority, it emphasizes a high-tech, high-touch model. Crunchbase

The payabl.one platform, Oliveira’s flagship, consolidates online and in-store payments, payouts, and fraud prevention. Recent expansions include a November 2025 Shopify integration for fast onboarding and fraud protection, and October 2025 UK in-store POS with unified dashboards. “With payabl.one, our goal is to bring every part of a merchant’s financial flow into one connected platform,” Oliveira said. FF News

Partnerships amplify this stack. In August 2025, collaboration with Silverflow upgraded processing via cloud-native APIs, slashing integration times from years to months. “Their API-first approach was very important for us,” Oliveira remarked, enabling scalability. SEPA Direct Debit rollout in July 2025 added recurring payments across 36 countries with real-time notifications. FF News

Strategic Expansions and Merchant Focus

Payabl.’s growth reflects Europe’s e-commerce surge, with 77% of EU users shopping online per Eurostat, yet 43% abandoning carts over poor checkouts, per Payabl.’s State of European Checkout Report. Oliveira addressed this in a Reflect Festival podcast, stressing localized experiences and AI fraud prevention alongside the upcoming Payabl. card. FinTech Futures

Under group CEO Ugne Buraciene, Payabl. pursues diversity and youth talent via a 2024 partnership with Work in Fintech for the 2025 Summit. “Diversity is not just a goal – it’s a necessity for the future of innovation,” Buraciene affirmed. Leadership includes Kristaps Zips as UK CEO. The Fintech Times

Oliveira’s promotion arrives as Payabl. eyes 2026’s regulatory shifts like PSD3 and open banking mandates. With no public funding rounds noted, its bootstrapped trajectory relies on product-led scaling. Industry watchers see this as positioning Payabl. to capture merchant demand for integrated stacks amid AI-driven personalization and instant payments growth.

Future Horizons Under New Leadership

Looking ahead, Oliveira will steer Payabl. through embedded finance’s rise and AI integration for fraud and personalization. His emphasis on merchant pain points—speed, reliability, control—positions the firm against giants like Stripe. As he told The Fintech Times in June 2025, “We build the pieces, but the merchant joins us to build the composite that works exactly how they need it to.” The Fintech Times

Payabl.’s 33,000+ LinkedIn followers track its momentum, from Reflect Festival Platinum sponsorship to recurring payments pushes. Oliveira’s CPO role cements internal expertise as the engine for UK/EU dominance, blending banking rigor with fintech agility in a market projected for instant payments totaling $60 trillion globally by 2025’s end. Payabl. on LinkedIn