HR Pay Solutions, SD Worx’s licensed European payment institution, goes live with first embedded finance use cases under 6 months leveraging Skaleet’s CBS and partners
- Sector HR, Pay & Time Solutions
- Country Belgium HQ, Paneuropean play
- Use case Embedded Finance
Embedded finance capabilities to support SD Worx vision to become the backbone of European work
SD Worx is the European leader in integrated HR and payroll solutions, with 80+ years of track record, a presence in 27 markets. With over €1.3 billion in revenues in 2025 and 6+ million payslips processed every month, SD Worx is building the backbone of European work.
As financial services become a key enabler in the HR and payroll value chain, SD Worx made the strategic decision to launch HR Pay Solutions, a licensed EMI regulated by the National Bank of Belgium, to embed payment capabilities directly into its offering and processes and deliver a seamless financial experience to employers and employees across Europe.
Building a payment infrastructure at European scale
Building this vision required a payment infrastructure that could match the scale, complexity and ambitions of its parent company: robust to process high volumes of SEPA payments, flexible to expand into cross-border payments, other geographies and additional financial products, and agile to evolve as the embedded finance strategy matures. Above all, the end to end solution had to be implemented in a record timing, without compromising on compliance, security or cloud sovereignty.
A platform built for ecosystem complexity and performance
Following a thorough selection process led by a leading pan-European consulting firm, HR Pay Solutions chose Skaleet's SaaS Core Banking Platform and Payment Engine as its technological backbone. Skaleet's ability to orchestrate, with very high volumes, a comprehensive ecosystem, combining BPCE Payment Services for SEPA and cross-border rails, ComplyAdvantage for AML compliance as well as Surepay for VoP, was a key differentiator. Beyond technology, it was Skaleet's payment expertise, resiliency capabilities, cloud sovereignty and agile culture that ultimately made the difference.
“This partnership confirms our conviction that embedded finance is entering its second phase, with double digit growth rates and a massive strategic and model shift as leaders become regulated to tailor best-in-class products and capture higher take-rates. True to our motto “Core banking solutions built for speed and control”, Skaleet has delivered an end-to- end solution that will be the financial backbone of SD Worx’s embedded finance. Our existing portfolio of off-the-shelf connectors with BPCE PS, ComplyAdvantage, Surepay amongst others were instrumental in this journey”
A stepping stone for geographical and product expansion
This project go-live and joint success is a great milestone as it is the end of very intense journey but it is also the beginning of new projects that will leverage the implemented platform to power further embedded finance use cases across Europe and the world. HR Pay Solutions will progressively expand from SEPA payments to cross-border payments, additional payment products, putting embedded finance at the heart of SD Worx's value proposition. For Skaleet, it validates its positioning as a payment and ecosystem orchestration leader, and represents a strategic entry point into the BeNeLux market.