UK FCA Authorised Payment Institution

Big payment institutions United Kingdom API 2,600,000 GBP A premium opportunity to acquire a regulated UK Payment Institution delivering a full suite of financial services for SMEs – from business accounts and POS solutions to card issuing, lending, insurance, advisory, and money transfer. Built entirely on API-driven architecture, the company integrates Open Finance, Embedded Finance, and AI, positioning it at the forefront of the UK fintech ecosystem. Key Features Regulatory Status: FCA-licensed Authorised Payment Institution (API) Principal Member: VISA & Mastercard (Acquiring & Issuing – UK) Associate Member: VISA & Mastercard (Acquiring – EU) Agency Bank: ClearBank Infrastructure: • Issuing processor – Stripe • POS solution – Stripe • Open Banking connectivity – Yappily • Payments platform – FintechOS • Mobile eMoney app – X Pay, live on Apple & Google stores Partnered with Stripe, CreditSafe, FintechOS, and VISA to expand across new jurisdictions under a unified Target Operating Model (TOM). Existing retail relationships with Tesco, Carrefour, and others support rapid scaling into new regions. Long-term vision: leveraging AI-enhanced financial data to deliver predictive, data-driven financial solutions.