3Pay, a Lyon fintech that handles health-care payments, has bought MoneyTrack, a French startup that checks payments before they are made, Maddyness reported on October 16, 2026.
The companies did not disclose the price. The trade outlet mind Fintech reported the same day that 3Pay took control of MoneyTrack for €2.2 million (about $2.5 million), paid in 3Pay shares, citing an auditor's report on the transaction. Nine MoneyTrack employees are moving to 3Pay as part of the deal.
At the same time, 3Pay is raising €1.5 million (about $1.7 million), its second funding round since it was founded.
The problem both companies work on
In France, most people have a supplementary health insurer, usually a mutuelle, that covers part of the cost of care on top of the public health system. Patients often pay upfront and wait to be reimbursed. Arrangements that let the insurer pay the provider directly, known as tiers payant, exist but do not cover every provider or every type of care.
3Pay and MoneyTrack work on the same gap from two sides. 3Pay gives the patient a card that pays at the point of care, and MoneyTrack gives the insurer a way to check that a payment is valid before it is released.
“Avec MoneyTrack, nous changeons d'échelle.”
What MoneyTrack built
MoneyTrack was founded in 2018 by Christophe Doré with backing from the venture firm Truffle Capital. Its technology verifies that a payment meets set conditions before the money is released, a model often called directed or conditional payment.
In 2021 MoneyTrack bought Progexia, a Marseille company that processes third-party payment flows for health insurers. Today it works with four mutual insurers, mostly in France's overseas territories, and manages data for more than 300,000 beneficiaries.
Why 3Pay is buying
3Pay was founded in July 2020 in Lyon by Jérémy Benhaïm and partners he met during an executive MBA at ESSEC. It issues a Mastercard payment card, physical or virtual, that patients use at any provider with a card terminal so that they do not have to pay upfront for the share of care covered by their supplementary health insurer.
Adding MoneyTrack lets 3Pay check a member's coverage in real time before paying, and catch anomalies or fictitious claims earlier. "Avec MoneyTrack, nous changeons d'échelle," Benhaïm told Maddyness, meaning that the deal changes the company's scale. He summed up the approach as "dans l'assurance, on doit contrôler avant de payer, pas après": in insurance, you have to check before you pay, not after.
3Pay said it surveyed more than 500 people to identify the problems they face paying for care and getting reimbursed.
Benhaïm, who is 46, leads the company. Maddyness did not report 3Pay's revenue or the number of people using its card.
Beyond health insurance
3Pay is also launching Tyris, a product for car and home insurance. Maddyness gave the examples of handling repair payments after a car accident or water damage, using the same check-before-paying approach.
The company plans to expand to Spain, Italy, Belgium and Luxembourg, and said talks in the United Arab Emirates are well advanced. "Nous souhaitons notamment nous développer en Espagne, en Italie, en Belgique et au Luxembourg," Benhaïm said. In English: "We want in particular to expand into Spain, Italy, Belgium and Luxembourg."
The funding
The investors in 3Pay's €1.5 million round include Truffle Capital, Accurafy and Side Angels, according to Maddyness. Truffle Capital is also the venture firm that backed MoneyTrack from its start.
Neither company disclosed MoneyTrack's revenue or how much it had raised, and Maddyness did not say whether Doré is joining 3Pay. At a reported €2.2 million in shares, the deal is small. What 3Pay gets is a working payment-control system, existing contracts with four mutual insurers and a team that already knows how insurers handle third-party payments.
