UK FCA-Authorised Electronic Money Institution for sale
CONFIDENTIAL SALE OPPORTUNITY
UK FCA-Authorised Electronic Money Institution
Proprietary multi-product payments platform — IBAN issuance, cross-border FX and card acquiring under one regulated entity.
Headline price: £3,000,000 plus regulatory capital at completion.
The Opportunity
A UK-headquartered, FCA-authorised Electronic Money Institution is being offered for sale on a confidential basis. The Company operates a proprietary, cloud-native payments platform that provides business clients with a unified payments stack — combining IBAN/vIBAN issuance, multi-currency cross-border payments and end-to-end card acquiring under a single regulated counterparty.
Backed by a regulated EMI permission and an in-house technology platform, the Company is positioned to scale into the £200bn+ European merchant payments and embedded finance markets.
This represents a rare opportunity to acquire a fully operational, regulated payments business at a fraction of the cost and time required to build and license one from scratch.
Products and Capabilities
Banking-as-a-Service. Dedicated IBAN and vIBAN accounts for local and international fiat settlement, with multi-channel transfers and improved treasury efficiency.
Payment Acceptance. Card acquiring across major schemes plus 50+ alternative payment methods including digital wallets, ACH, IBT and vouchers.
Proprietary Technology. Three-tier, cloud-hosted, API-first architecture with automated transaction routing, embedded compliance rules and seamless third-party integration.
Compliance and Onboarding. Structured pre-screening framework enabling client onboarding in as little as 48 hours, with built-in regulatory controls.
Why This Asset
Regulatory Moat. A direct FCA EMI authorisation typically requires 18 to 24 months and significant capital to obtain de novo. Acquiring an authorised entity bypasses this barrier entirely.
Proprietary Platform. Cloud-native, API-first technology built in-house. Fully owned intellectual property with no third-party platform dependency.
Breadth of Offering. End-to-end stack: IBAN issuance, cross-border FX, card acquiring and 50+ alternative payment methods, all under a single provider.
Strategic Optionality. Attractive bolt-on for fintechs, neobanks, payment service providers, FX brokers or corporates seeking immediate UK regulated payments capability.
Experienced Team. Founder and management team with over 100 years of combined banking, payments and technology experience.
Clean Entity. Modular, scalable platform with a transferable client onboarding pipeline and no legacy stack.
Transaction Snapshot
Asset. 100% of the share capital of a UK FCA-authorised Electronic Money Institution.
Headline Price. £3,000,000 plus regulatory capital in place at completion (£-for-£ pass-through).
Structure. Share sale; flexible to consider asset transfer of the EMI permission subject to FCA change-in-control approval.
Process. Bilateral or limited, off-market — sellers will engage with credible counterparties only.
Conditions. Subject to FCA Section 178 change-in-control approval and customary closing conditions.
Financials. Available under Referral Agreement. Indicative information memorandum and management presentation to follow.
Who Should Look At This
This opportunity is suited to acquirers seeking a turnkey UK regulated payments platform. Typical interested parties include fintechs and neobanks seeking immediate UK EMI permission, payment service providers expanding their regulated footprint, FX brokers and cross-border payments firms looking to add card acquiring, corporates with embedded finance ambitions, and family offices and private equity funds with payments sector mandates.
Process
Interested parties are invited to contact the appointed advisor to execute a Referral Agreement. Following execution, a Confidential Information Memorandum, financial data pack and management access will be made available. Indicative offers will be requested within four weeks of the CIM release.
Appointed Advisor
Valters Gencs
M&A Advisor / Attorney at Law
Email: info@gencs.eu
WhatsApp / Telegram: +371 29265441
Web: vgfintechadvisors.com | fintechadvisors.co.uk
London · Riga · Vilnius · Tallinn
205 Regent Street, 4th Floor, London W1B 4HB, United Kingdom
Republikas laukums 3-123, Riga LV-1010, Latvia
Basanavičiaus 26, Vilnius LT-03109, Lithuania
Disclaimer
This document and the information contained herein are for information purposes only and do not constitute, or form part of, an offer to sell or a solicitation of an offer to buy any securities. No representation or warranty, express or implied, is made as to the accuracy or completeness of the information presented. All information is subject to verification, correction, completion and change without notice. This listing is published on a confidential basis. The identity of the Company will be disclosed only following execution of a Referral Agreement.
