Fintech infrastructure providers in UK

Edenred Payment Solutions (ex-PrePay Solutions / PPS; UK + Belgium) - card issuing, BIN sponsorship and in-house processing; Mastercard + Visa primary issuer. FCA EMI (UK, FRN 900010) + PPS EU SA (NBB Belgium, passported to 7 EU countries). Part of Edenred SE (FR, listed); founding member of Mastercard BIN Sponsor Plus.

10x Banking (UK) - cloud-native core banking platform (SuperCore); founded by former Barclays CEO Antony Jenkins. Unlicensed technology (BYOL).

3S Money (London, UK; founded 2018) - multi-currency business accounts for international trade: local accounts in the UK, Netherlands, Luxembourg, Denmark and Germany with multi-currency IBANs for high-value corporate payments. Licensed EMI with the FCA (UK) and CSSF (Luxembourg), plus DFSA (UAE) and Hong Kong registrations.

Alpha Group International (London, UK; LSE) - B2B currency-risk management, FX & cross-border payments for corporates/funds. Acquisition by Corpay (US) announced 2025.

Antavo (HQ London, UK; Hungarian origin, founded 2012) - AI loyalty cloud / enterprise loyalty management platform (incl. card-linked offers) for retail and brands; clients across Europe, North America and Asia. Independent. Unlicensed software.

APEXX Global (London, UK; founded 2016) - payment orchestration layer: smart routing across acquirers/PSPs and 120+ local methods to optimise acceptance and cost.

B4B Payments (UK; + Lithuania) - card issuing, BIN sponsorship and embedded payments. FCA (UK) + Bank of Lithuania (EEA); Mastercard Principal Member. Part of Banking Circle Group since 2021; 19+ years across UK/EU/US.

Banfico (London, UK; founded 2017) - open-banking compliance and Verification of Payee SaaS (OB-Compliance, Confirmation of Payee, MCI/SCA, OB-Directory) for 185+ financial institutions; IPR-ready (Oct 2025).

Bankable (UK) - white-label / aggregator BaaS platform on partner infrastructure (BYOL): virtual ledger, cards and SEPA/SWIFT.

Banked Ltd - FCA-registered (open banking / A2A pay-by-bank, UK). Numeric FRN to capture from FCA register.

🏦 Local IBANs: GB

Bilderlings (Bilderlings Pay Ltd; Latvian-founded, London) - business and personal multi-currency IBAN accounts (17 currencies), SWIFT/SEPA, Mastercard scheme participant and card issuing. FCA-authorised EMI (No 900637).

Boku (London, UK; LSE AIM: BOKU; San Francisco roots) - global local-payments network: one integration to 200+ local payment methods (mobile wallets, A2A and direct carrier billing) reaching 7.5bn+ consumer payment accounts in 60+ countries; used by the largest streaming and app platforms. EEA rail: Boku Network Services IE (Ireland PI).

BR-DGE (Edinburgh, UK) - vendor-agnostic payment orchestration: connectivity, smart routing, tokenization, retries, reporting; white-label modular. Founded 2018.

Bud (Bud Financial, UK; since 2015) - AI transaction-intelligence platform on open-banking data, enriching transactions for banks and fintechs (Bud.ai generative platform). FCA-authorised (FRN 793327); raised USD 80m.

BVNK (London, UK) - stablecoin-powered cross-border payments & settlement (USDC/USDT/EURC rails). EU EMI (Belgium). Mastercard acquisition announced (up to USD 1.8bn, closing 2026).

CAB Payments (London, UK; LSE-listed) - B2B cross-border payments & FX into hard-to-reach / emerging-market currencies; via Crown Agents Bank (UK bank licence).

Capital on Tap (New Wave Capital Ltd, UK) - SME business credit cards and lending; 200k+ SMB customers in the UK and US, GBP 20bn+ spend. Not a bank - restricted business-lending licence (FCA FRN 625592).

Cardstream (UK) - independent white-label payment gateway (payments-facilitator-as-a-service) for banks, PSPs, ISOs and ISVs; 400+ acquirers across 120+ countries. PCI DSS Level 1, FCA-regulated; Mastercard open-banking partnership (2025).

Checkout.com (UK) - enterprise PSP and acquirer, EEA-capable. FCA AEMI 900816 (UK) + ACPR AEMI 17208 (Checkout SAS, France/EEA). Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).

🏦 Local IBANs: GB NL

Clear Junction (UK; + Netherlands; est. 2016) - cross-border payments and named virtual IBANs for banks, EMIs and VASPs; correspondent accounts over SEPA/SEPA Instant/Faster Payments/CHAPS/SWIFT (11 currencies). FCA EMI (UK) + CJ Digital EU B.V. (DNB, Netherlands).

🏦 Local IBANs: GB NL

UK clearing bank (PRA/FCA) + ECB credit-institution licence via DNB (NL) for EUR. GBP at BoE, EUR at DNB/ECB. EEA-capable now. ClearBank Europe became the first Dutch credit institution cleared as a MiCA CASP (AFM notification, Apr 2026), offering Circle EURC/USDC to institutional clients.

Compass Plus Technologies (Nottingham, UK; founded 1989) - TranzWare card issuing and transaction-processing software (card/account management, EMV issuance, clearing/settlement and fraud via FraudAxis), used by banks and processors globally.

ComplyAdvantage (UK) - AML/KYC screening software (sanctions, PEP, watchlists, adverse media) built on a proprietary AI risk database. Software vendor.

ComplyCube (London, UK) - SaaS identity verification / KYC / AML platform; 300+ clients across financial services, crypto and telecoms. RegTech software vendor.

Crassula (UK; + Estonia) - white-label digital-banking software deployed on an existing licence (BYOL / unlicensed technology).

Currencies Direct (London, UK; founded 1996 by Mayank Patel and Peter Ellis) - international payments and FX broker for private and SME clients, transacting ~GBP 10bn a year across 1M+ payments. EEA rail via Currencies Direct Spain, E.D.E. (E-money institution, Bank of Spain). Register-sourced: E-money institution (EMI), Bank of Spain, ref 6716; passported to 30 EEA states.

🏦 Local IBANs: GB

Currencycloud (UK) - virtual IBANs (EUR collection) and FX across 33 currencies. FCA EMI; Visa-owned.

Decta (UK; + Cyprus, Ireland) - card acquiring, issuer processing and BIN sponsorship; certified Visa/Mastercard/UnionPay processor. EMI, Central Bank of Cyprus (115.1.3.54) + Central Bank of Ireland + FCA (UK). 50+ settlement currencies.

Dojo (Paymentsense Ltd, UK) - SME card-present acquiring (Dojo is the customer brand); ~12.5% of UK SME card-present, GBP 46bn volume. EMI in Ireland for EU expansion (ES/IT); USD 190m from Vitruvian (2025).

Ecommpay (London, UK; founded 2012) - direct acquirer and payment gateway with 100+ local payment methods and payouts; Visa and Mastercard Principal Member, PCI DSS Level 1, FCA-authorised (FRN 607597). EEA rail via TFI ECOMMPAY LTD (Cyprus EMI). Register-sourced: E-money institution (EMI), Central Bank of Cyprus, ref 115.1.3.52; passported to 30 EEA states.

emerchantpay (UK; main operations in Sofia, Bulgaria) - global acquirer/PSP across online, mobile, in-store and POS; ~USD 155m revenue. FCA Authorised EMI and Visa/Mastercard Principal Member.

Encompass Corporation (London, UK; founded 2012) - Corporate Digital Identity (CDI) / KYB platform (EC360) automating KYC search from authoritative data; partners D&B and LexisNexis. BNP Paribas-led funding (2025).

Endava (London, UK; NYSE: DAVA) - technology services company with deep payments and financial-services delivery, built on Eastern European engineering (Romanian/Bulgarian roots via Brains Direct and ISDC mergers). Services axis - unregulated technology partner.

Engine by Starling (UK) - cloud-native SaaS core banking platform (the SaaS arm of Starling Bank, powering it since 2016); clients include AMP Bank GO (AU), Salt Bank (RO), Tangerine/Scotiabank (CA) and SBS Bank (NZ). Unlicensed technology.

Episode Six (UK; + US) - ledger and issuer-processing software platform. Unlicensed technology.

Equals Money (UK) - Mastercard card issuing, FX and multi-currency accounts. FCA EMI + PI (UK). Merged with Railsr in 2025 (now 'Equals'); GBP 58bn+ volume. Group rebranded to Equals (Jun 2026; GBP 58bn+ annual volume).

Experian (UK lineage - Nottingham, ex-GUS; plc domiciled in Dublin since 2006; LSE, FTSE 100) - one of the world's 'Big Three' credit bureaus: consumer and business credit data, scores, decisioning and fraud tools across dozens of markets. EEA open-banking entity: Experian Ireland (registered AISP). Origin by lineage (rule 8a) - UK; Irish plc domicile noted.

Featurespace (Cambridge, UK; founded 2008) - real-time fraud and financial-crime AI (the ARIC platform / Adaptive Behavioral Analytics). Acquired by Visa (Dec 2024); ARIC Risk Hub now part of the Visa portfolio.

Fiat Republic (London, UK; founded 2021) - banking and payments API for crypto platforms: virtual IBANs, SEPA and Faster Payments access, FX and compliance via one API, plus the EagleNet closed-loop settlement network between members.V. (ESMA register).

Fidel API (London, UK; founded 2018; offices in Lisbon and New York) - card-linking infrastructure: real-time APIs to link Visa/Mastercard/Amex cards to apps for rewards, loyalty and transaction events; clients incl. Google and British Airways. Loyalty business divested to Enigmatic Smile; Fidel continues as card-linking infra. Unlicensed software.

Finastra (UK) - large incumbent core-banking and lending software (Misys + D+H); owned by Vista Equity Partners; selling its US banking unit (2025).

FullCircl (London, UK; merged Artesian + DueDil) - KYC/KYB onboarding + business information & customer-lifecycle intelligence. Software vendor. Site now redirects to nCino (identitysolutions.ncino.com) - FullCircl acquired by nCino (US).

Fundment (London, UK) - FCA-authorised (no. 732727) discretionary investment platform + custody for financial advisers (ISA, SIPP, GIA); client money at HSBC.

GoCardless (UK) - FCA-authorised bank-debit / A2A specialist. Being acquired by Mollie (USD 1.1bn, agreed Dec 2025, close mid-2026).

🏦 Local IBANs: GB

Griffin (UK) - developer-native, full UK bank authorised by the PRA and regulated by the PRA and FCA.

iProov (London, UK) - biometric face verification and liveness with anti-deepfake; clients include the UK Home Office, US DHS, GovTech Singapore, ING and UBS. Software vendor.

Liberis (UK) - revenue-based financing distributed via partners (Barclaycard, eBay, Worldpay). Not an FCA-licensed lender - EMD Agent only (2019); Qred (SE) took a stake.

Manigo (Manigo Connect Ltd, UK) - white-label BaaS / cards-as-a-service orchestration: own ledger, card issuing and BIN/EMI sponsorship, launchable with or without a licence. Fully-managed plus API.

MarTrust (London, UK; part of the Marcura maritime group) - the largest specialist maritime-payments provider (~USD 12bn/yr): crew payroll, e-wallets and cards for seafarers, vendor payments and Cash-to-Master digitisation. UK FCA Authorised Payment Institution + EEA rail via MarTrust Europe S.A. (E-money institution, Banco de Portugal). Register-sourced: E-money institution (EMI), Bank of Portugal, ref 7501; passported to 30 EEA states.

🏦 Local IBANs: GB NL ES FR IE

Modulr (UK + Netherlands) - payments and accounts-as-a-service; EMI FCA (UK) + EMI DNB (Netherlands), passported across the EEA, with branches in IE/ES/FR.

Monavate (UK; + Lithuania) - card programme issuing and BIN sponsorship; Visa / Mastercard / Discover Principal Member. UK FCA (901097) + UAB Monavate (Bank of Lithuania, LB002139, EEA). EEA card rail via the Lithuanian entity.

Moorwand (London, UK) - BIN sponsorship and issuing (Mastercard, Discover, UnionPay). FCA EMI (FRN 900709). UK-only licence post-Brexit; EEA reach via partner Harmoniie SAS (ACPR EMI, France).

Napier AI (London, UK; founded 2015) - AML / financial-crime compliance platform (Napier AI Continuum) for 150+ FIs: screening and transaction monitoring. UK RegTech.

Uses NatWest UK banking licence + Vodeno tech; 82% owned by NatWest Bank Plc.

Navro (London, UK; ex-Paytrix, founded 2022) - a payments curation platform: curated payout and collection rails in one API/contract for global expansion. EMI authorised by the Central Bank of Ireland (EEA) + UK FCA; USD 14m raise (2024). Register-sourced: E-money institution (EMI), Central Bank of Ireland, ref C504018; passported to 30 EEA states.

🏦 Local IBANs: GB LT MT

Nium (UK; + Singapore) - global cross-border payments and card issuing with APAC roots. EMI FCA (UK) + EMIs in Lithuania and Malta (EEA).

Noda (UK / EU) - open banking A2A payments across the UK and EU. Licensed PISP.

NorthRow (UK) - remote client onboarding + KYC/KYB/AML compliance automation (WorkStation). Software vendor.

Onfido (UK) - identity verification software; acquired by Entrust (US) Apr 2024 (~USD 650m) and now part of Entrust.

🏦 Local IBANs: GB NL FR MT

OpenPayd (UK + Malta) - banking-as-a-service / IBAN-as-a-service: unlimited virtual IBANs, accounts, FX and stablecoins; ~EUR 120bn/yr processed. FCA EMI (UK) + Malta EMI (OpenPayd Financial Services Malta, EEA).

Ozone API (UK) - open-banking / open-finance API platform built by architects of the UK OB standard, powering 70+ banks and FIs; first to deliver OBL v4.0-compliant APIs. Bank-side enablement technology (vs TPP aggregators).

Paddle (London, UK) - merchant of record for SaaS and software companies: acts as the reseller, taking on global payments, sales tax/VAT liability, subscriptions and compliance in one platform. Public pay-as-you-go pricing (5% + USD 0.50 per transaction). A main destination for migrations after Digital River's wind-down.

Paymentology (UK-incorporated; global) - global issuer-processor, Visa Cloud Connect certified. NB: DFSA censure in 2020 (misleading licence claim).

Paysafe (UK; NYSE-listed) - payments group: Paysafe Payment Solutions (Skrill, Neteller, Rapid Transfer) and Paysafe Prepaid Services (paysafecard) regulated by the Central Bank of Ireland (EEA), and Paysafe Financial Services (EMI, FCA FRN 900015, UK). MiCA CASP (CBI) for crypto across the EEA.

Paysend (London, UK) - global cross-border card-to-card transfers + business multi-currency accounts; FCA EMI. Stablecoin settlement via BVNK.

🏦 Local IBANs: GB

Payset (Pay Set Ltd, UK) - multi-currency business accounts (38 currencies), dedicated local IBANs (EUR/GBP/USD), SWIFT + SEPA and FX; SME/fintech focus. FCA-registered EMI.

Pollinate (UK; since 2017) - cloud merchant-services / digital-experience platform for bank acquirers (powers Tyl by NatWest): onboarding, portals and loyalty wrapping legacy acquiring. Backed by Mastercard, RBS/NatWest and Motive; GBP 60m raised.

PPRO (London, UK; founded 2006 in Munich) - local-payments infrastructure for PSPs and enterprises: acquiring, collection and processing of local payment methods worldwide under one contract/API (clients include Citi, PayPal, Adobe). EEA rail via PPRO Payment Services S.A. (Luxembourg PI, CSSF) + UK FCA entity. Register-sourced: Payment institution (PI), Commission for the Supervision of Financial Sector, ref Z00000022; passported to 30 EEA states.

Primer (London, UK) - payment orchestration: unified payment acceptance, routing, fallback logic, token vault, reconciliation across 200+ PSP / method connectors. Founded 2019.

PSI-Pay (UK) - BIN sponsorship across consumer and corporate, physical and virtual cards; Mastercard Principal Issuing Member (+ Visa, Discover). FCA Authorised EMI. 16+ settlement currencies; founding member of Mastercard BIN Sponsor Plus.

Quantexa (London, UK; founded 2016) - decision-intelligence / contextual analytics for KYC, financial crime, fraud and risk; USD 2.6bn valuation, Series F USD 175m (Mar 2025), 70+ countries, eyeing a 2026 IPO.

Railsr (UK) - BaaS; FCA EMI + PI. Merged with Equals Money in 2025 (now 'Equals'); PayrNet (LT EMI) wound down. NB: earlier FCA restructuring risk. Rebranded to Equals (Jun 2026) after surpassing GBP 58bn annual volume.

Ralio (London, UK; founded 2025) - the trust/governance layer for agentic business payments: infrastructure between AI agents and payment rails that verifies agent identity and intent, enforces guardrails and logs an audit trail before money moves across cards, accounts or stablecoins. Raised EUR 2.1m pre-seed (2026), described as Europe's largest agentic-payments round. Software vendor (unlicensed infra).

🏦 Local IBANs: GB DE DK

Rapyd (London, UK; Israeli-founded, 2016) - fintech-as-a-service: global acquiring, payouts and wallets. EEA licence via Rapyd Europe (Iceland EMI) after acquiring Icelandic acquirer Valitor (USD 100m, 2022); also bought PayU GPO (USD 610m, 2023). Register-sourced: E-money institution (EMI), Central Bank of Iceland, ref 5006830589; passported to 30 EEA states. Offers virtual IBANs (vIBAN) in Europe via Rapyd Virtual Accounts - local collection accounts in 40+ countries. Virtual-account docs list GB/DE/DK IBANs (DE reaches 36 SEPA countries).

Reward (Reward Insight; London, UK) - card-linked rewards and commerce-media platform for banks; powers card-linked loyalty for Visa and major banks across ~20 countries with 300+ merchants; cloud-hosted, API-based, full or modular. Unlicensed software.

Shufti Pro (Shufti Pro Ltd, London, UK; founded 2017) - identity verification / KYC / AML across 240+ countries. RegTech vendor (Companies House 11039567).

Own EMI: Soldo Financial Services Ltd (FCA AEMI since 2018) + Soldo Financial Services Ireland (EEA). Prepaid corporate cards + spend control.

Suade Labs (London, UK) - regulatory-reporting-as-a-service built on the open FIRE data standard: a granular, regulator-neutral data model powering automated prudential reporting for banks and fintechs.

Sumsub (UK / EU) - identity verification and AML software (KYC/KYB/QES). Software vendor, not a regulated FI.

Teya (ex-SaltPay; London HQ, Icelandic roots; founded 2019) - SME payments group: SME acquiring and lending (Liberis partnership), and owner of Paymentology + MeaWallet (issuer processing / tokenization). UK e-money via YoYo Wallet; Teya Iceland hf. (FCA-registered).

Thought Machine (UK) - Vault Core, a smart-contract-based core banking platform used by 200+ banks. Unlicensed technology.

Thredd (ex-GPS, UK; since 2007) - issuer-processor, Visa + Mastercard certified, 100+ customers across 44 countries, with strategic financing from Visa. Software / processor.

Token.io (UK) - A2A payments and data across 21 markets (UK, DE, PL, SE and others). Authorised AISP + PISP.

TransferGo (London, UK; Lithuanian founders) - cross-border payments + business accounts. EMI Bank of Lithuania (EEA) + FCA.

Tribe Payments (UK) - issuer/acquirer processing technology; licences passported into the EEA for prepaid issuance.

TrueLayer (UK) - FCA-authorised AISP + PISP and a UK/EU pay-by-bank leader; acquired Zimpler (Nordic/Swish).

Trust Payments (UK + Malta) - international acquirer/gateway; GBP 5bn+ annualised across 20k+ businesses; Visa/Mastercard Principal Member. FCA Authorised PI (UK) + MFSA-licensed (Trust Payments Malta Ltd, EEA, since 2012).

Verto (London, UK) - B2B cross-border payments + multi-currency accounts focused on emerging markets; FCA-authorised.

Vitesse (London, UK) - treasury and payment infrastructure for the insurance industry: claim-fund management and instant claim payouts over a global network spanning 200+ countries and currencies (USD 10bn+ processed); USD 93m Series C led by KKR (May 2024). FCA-regulated; EEA rail via Vitesse PSP B.V. (Netherlands PI).

Volt (UK) - a global real-time A2A network on open banking (Europe/UK/Brazil/Australia). PISP.

WealthKernel (London, UK) - investing API: onboarding, dealing, custody, portfolio mgmt, UK tax wrappers (ISA/SIPP). FCA-authorised custodian (no. 723719, CASS). Acquired by Alpaca (US) - now Alpaca Europe.

WealthOS (London, UK; founded 2019) - API-first cloud-native core wealth-management platform (SaaS): onboarding, portfolio, custody connectivity, ISA/SIPP automation.

Weavr (UK + Malta) - embedded finance for B2B SaaS on a compliance-managed model. Own EMI licence (Malta MFSA, 2024) + UK.

🏦 Local IBANs: BE GB

Wise (ex-TransferWise; London HQ, LSE-listed; Estonian founders). Wise Europe SA = EMI National Bank of Belgium (EEA) + UK FCA. Multi-currency accounts + local account details/IBANs; Wise Platform = accounts/FX/payments infrastructure for banks & fintechs.

WorldFirst (London, UK; founded 2004) - cross-border payments and FX for marketplace sellers and SMEs trading internationally: collection accounts, currency conversion and payouts across 220+ countries and regions, 1.5m+ business customers. Acquired by Ant Group (2019), now part of Ant International - ownership flag (CN). EEA rail: World First Netherlands B.V. (EMI).

Worldpay (UK roots, ex-RBS WorldPay; now US-owned) - global merchant acquiring across UK/EU/US. Acquired by Global Payments (US) for USD 24.25bn from GTCR/FIS (signed Apr 2025, closed Jan 2026). Contrast / US-owned.

Yapily (UK) - white-label open banking infrastructure across 2,000+ banks in 19 EU countries. AISP + PISP (FCA).

Yoti (London, UK; founded 2014) - digital identity and age verification: facial age estimation and a reusable digital ID (DIATF-certified); clients include Instagram, John Lewis and the UK Home Office.

YouLend (UK) - embedded financing (150k+ merchant cash advances) across UK/EU/US, with a JPMorgan partnership. FCA Payment Institution (FRN 947287).

ZEN.com (London, UK; founded 2018 by Dawid Rozek, co-founder of G2A; offices in Warsaw and Vilnius) - multi-currency accounts and Mastercard cards for consumers and businesses (Apple/Google Pay). EMI licensed by the Bank of Lithuania (2018) + UK FCA EMI (2024). Polish roots. Register-sourced: E-money institution (EMI), Bank of Lithuania, ref LB000457; passported to 30 EEA states.

Zodia Custody (UK origin; Standard Chartered, Northern Trust, SBI). EEA entity Zodia Custody (Europe) S.A. - CSSF MiCA CASP (custody + transfers).

Bink (UK; founded 2015) - Payment Linked Loyalty (PLL) technology linking payment cards to retailer loyalty schemes; minority-backed by Barclays (2019, ~GBP 10M round) and Lloyds Banking Group (2022). Ceased trading and entered liquidation in 2024 (46 redundancies) after failing to raise fresh funding. Proof-of-value: card-linked loyalty is capital-intensive even with major bank backing.

Hokodo (London / Paris / Vilnius) - B2B BNPL / digital trade credit; financed EUR 500m+ for 100k+ buyers, with a BNP Paribas partnership. NB: wound down in late 2025 (founders launched Liquidity Lab) - a proof-of-value entry for the status/risk column.