UK Authorised Payment Institution for Sale

UK Authorised Payment Institution (API) – For Sale

Overview
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

Strategic Partnerships & Expansion
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.

Why This UK API?
Fully regulated entity with active FCA permissions
Multi-product infrastructure already deployed
Strong institutional partnerships and retail integrations
Embedded finance and AI-ready platform for future scaling
Unique growth potential across EU and international markets