About | Tunic Pay

We are rebuilding trust in payments

At Tunic Pay, we’re building the future of safe payments.

Fraud costs UK consumers and businesses billions each year and the payment experience is broken. We’re here to fix that, starting with trust during the transaction.

Our products helps people with intelligent insights and risk assessments, so that confidence, not fear, defines online payments. We started the business in 2023, and are already working with some of the biggest banks and neobanks in the UK to make this a reality.

Our story

Founded by second-time entrepreneurs with deep roots in financial technology, we tackle some of the industry’s toughest challenges while maintaining enterprise-grade reliability.

Co-founders Nicky and Nico bring a decade-long partnership forged through their prior ventures.

Nicky previously co-founded Nova Credit, helping millions of immigrants access credit, raising over $150M, and partnering with financial institutions including Amex and HSBC.

After helping Nicky scale partnerships at Nova Credit, Nico founded and was CEO of Casai, Latin America’s largest hospitality startup, where he scaled operations across Mexico and Brazil, raised $50M+, and served over 100K customers.

Today, our team brings together deep expertise across cybersecurity, payments infrastructure, fraud, and risk. We’re united by a belief that trust, rigour, and strong technology are the foundation of modern finance — and we’re here to build exactly that.

Photographic portrait of Nicky Goulimis, co-founder

Photographic portrait of Nico Barawid, co-founder

Scams are always evolving, and so are we

Tunic Pay is built by people who’ve worked across the frontlines of cyber-security, fraud, and payments.

We know that the right signal at the right time makes all the difference—and we’re building the tools to deliver it. We're fortunate to be working with some of the most significant financial institutions in the UK. And we're just getting started.

Our values shape our work

Yes, and...

Illustration of two Tunic Pay team members thinking together under an infinity symbol

This business needs creativity – we value well-channelled positivity (and the discomfort of ideation!) above intellectual scepticism.

Straight-shooters

We tell it like it is. To our customers, our investors, ourselves. There is no room for ethical shortcuts, and we’re taking the decades-long view.

Change & speed
is the only constant

Illustration of a rabbit running while transforming into a butterfly

We prize flexibility and velocity. We don’t overpromise on a single strategy or career path. Nor do we value effort (sorry!). Instead, we are focused on outcomes + efficiency