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The Foundation

Formed in 2003, Sentenial is a market leader in the provision of next generation payment services to businesses of all sizes and banks. Initially providing support for businesses in Ireland using direct debits, the company now supports thousands of customers throughout Europe and serves these across all aspects of Account-Based Payments and Open Banking.

From the beginning, Sentenial services have been delivered from a cloud based environment incorporating the latest technologies to ensure we provide safe, secure and scalable solutions to our customers.

Complete Payment Processing

The product suite has been extended to enable banks and other financial institutions to process electronic payments in the most efficient way possible. This gives Sentenial the unique ability to fully process an electronic payment from end-to-end. At the same time the underlying design of all aspects of the service was updated to allow other organisations to deliver the services under their own branding.

Strategy of Innovation

A key strategy for Sentenial is continuous investment in technology, development and product innovation. This approach has led to Sentenial leading the market in many arrears such as the automation of the direct debit process, open banking and the implementing of real-time payments.

The pace of development continues with Sentenial currently advancing ever more ground-breaking propositions centered around Open Banking and Request-to-Pay. 

Adding Banking Functionality

Political pressure to introduce competition and innovation into the payments and banking markets created an opportunity for Sentenial to obtain Authorised Payment Institution permissions from the FCA and later also from the ACPR. Trading under the Nuapay brand, the existing Sentenial infrastructure delivers real-time businesses current accounts integrated with intelligent payment engines and supporting access to all functionality.

Open Banking

A rapidly growing sector within financial services is the adoption of Open Banking. This has created unprecedented opportunities for the development of a new Open Banking Payment Method.

Only regulated entities can provide Open Banking services and thus Nuapay’s licence has been extended to cover the provision of both account information and payment initiation services.

Sentenial currently leads the way in the development and implementation of new Open Banking based payment schemes that deliver an enhanced user experience, reduced processing cost and are fraud free by design.

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The Future

Payments and banking are experiencing the most rapid period of change ever seen. Sentenial is involved in many aspects of these developments and is fully committed to making sure its customers benefit from these opportunities.Get in touch to discuss how these developments can make your business thrive.

Company Structure

The Sentenial head office is in Maynooth, Co, Kildare, Ireland. Centralised services such as HR, finance and customer support are based in this location.

Licenced activities, such as Nuapay, are delivered from our London, UK and Paris, France based subsidiaries

Sentenial also has operational companies in Poland and Belgium

Kevin Lomax


Kevin Lomax was the founder and former chairman of Misys, the global application software and services provider. Mr. Lomax led Misys from a company of less than 40 employees and revenues of less than £1m through a period of rapid growth and development, including flotation on the UK unlisted securities market in 1987. The first software company to subsequent list on the main London Stock Exchange in 1989 and the company entry into the FTSE 100 index in 1998. Mr. Lomax left Misys in late 2006. By then it had some 6.500 employees in 126 countries, with a turnover of around £1bn and peak profits in excess of £140m.

Sean Fitzgerald


Sean founded Sentenial in 2003 and since then has grown the company to be a trusted delivery partner for mission critical A2A payment capabilities for top tier banks, Payment Service Providers and Corporates. A physics and chemistry graduate with a strong entrepreneurial mind-set, before founding Sentenial Sean held senior positions in the global microelectronics and speciality chemicals industries driving the introduction of new technologies.

Sean is responsible for the day to day management of Sentenial.

Charlie McCreevy


Former European Union Commissioner Mr. Charlie McCreevy joined Sentenial’s board of directors in 2011. As European Commissioner for the Internal Market and Services between 2004-2010, Mr. McCreevy played a pivotal role driving the SEPA regulation project through its formative years while setting the foundations for the current and final phase of the implementations of the SEPA regulation. Mr. McCreevy has held positions in several Irish Government Ministerial Offices, including Minister for Finance (1997-2004), Minister for Tourism & Trade (1993-1994) and Minister for Social Welfare (1992-1993). Mr. McCreevy also serves on the Board of Directors of Ryanair PLC. Mr. McCreevy’s in-depth knowledge of the European banking and the regulatory environment considerably strengthens Sentenial’s board.

John Chaplin


John Chaplin has been highly influential in the development of payments for more than 30 years. He was one of the driving forces behind the phenomenal growth of Visa in a 17-year career where he was Executive Vice President and latterly ran the European processing business. He also spent 5 years working with First Data in global strategy and business development roles. He is Payments & Fintech Adviser to Helios Investment Partners, and also works with many earlier stage organisations. He is the organiser of the Global Payments Innovation Jury, a prestigious group of 70 industry leading CEO’s, that convenes every 2 years to look at the state of innovation in the payments sector.


Cathal Fitzgerald


Mr. Fitzgerald is a founding director of Dublin Wealth Management firm LeBruin Private. With a long career in financial services, Mr. Fitzgerald was a director of the Wealth Management Division of Anglo Irish Bank, before leaving to found Le Bruin Private in 2006. Previously, he worked for IIU as Senior Strategist and Portfolio Manager and served as a VP at a large investment company in Boston. Mr. Fitzgerald has an MBA from Boston College, MBS from UCD, B.SC from TCD and is a CFA charter holder.

Join our Team

Sentenial is an ambitious, dynamic and fast-growing company in the rapidly evolving international payments industry. We are constantly seeking high-calibre individuals throughout Europe.

Our innovative payment solutions and rapid market acquisition means that Sentenial is poised for significant international growth.

We are always interested in hearing from both experienced candidates with a payments background and graduates who are interested in an expanding sector of the financial and payments industry.

Applications will be treated in the strictest confidence and we encourage individuals with varied skills and backgrounds to contact us on +353 1 629 2141 or at

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