UK FCA-REGULATED PAYMENT INSTITUTION for sale / White-Label Payments • Mastercard Principal Membership • Issuing • Acquiring • IBAN Accounts

UK FCA-REGULATED PAYMENT INSTITUTION

White-Label Payments • Mastercard Principal Membership • Issuing • Acquiring • IBAN Accounts

OVERVIEW

A United Kingdom FCA-regulated payment institution offering a full-stack white-label payments, merchant acquiring, card issuing, and financial accounts platform. The business provides end-to-end infrastructure enabling fintechs, PSPs, and financial institutions to launch branded payment services, merchant acquiring, card programs, and IBAN accounts under a regulated institutional framework.

The company combines regulatory permissions, card scheme principal membership, banking connectivity, and scalable processing technology in one integrated platform supporting global e-commerce, wallets, and card programs.

REGULATORY & SCHEME POSITIONING

• Authorised UK Payment Institution regulated by the Financial Conduct Authority• PCI DSS Level 1 service provider security environment• Mastercard Principal Membership — Issuing and Acquiring capabilities• Participation in international payment networks including SWIFT and SEPA• Established AML/KYC, transaction monitoring, sanctions screening, and compliance framework

CORE BUSINESS LINES

• White-label payment gateway and merchant acquiring platform• Mastercard principal issuing programs with BIN sponsorship capability• IBAN account opening and multi-currency wallet infrastructure via banking partners• Support for low-, mid-, and selected high-risk merchant categories• Fraud monitoring, compliance controls, and reporting systems included

MARKET POSITION

The business operates in the high-growth embedded finance and payment infrastructure sector, serving fintech platforms, PSPs, marketplaces, and international merchants. The platform is structured to support complex merchant segments and cross-border payment flows, including operations in higher-risk industries and jurisdictions subject to enhanced compliance and monitoring procedures.

PLATFORM CAPABILITIES

• Real-time card processing and smart transaction routing• Physical and virtual card issuing support• Merchant onboarding and lifecycle management• Multi-currency processing and settlement• API-driven integrations for fintechs and enterprise clients• Scalable infrastructure designed for international expansion

TRANSACTION HIGHLIGHTS

Indicative Valuation: £25,000,000Valuation Basis: 7× Revenue MultipleTransaction Structure: Majority or full acquisition consideredDetailed financials and data room available subject to NDA

INVESTMENT RATIONALE

• Rare opportunity to acquire a regulated UK payments institution with operational platform• Mastercard Principal Issuing & Acquiring status enables direct scheme access• Ability to serve higher-risk merchant segments with established compliance framework• Immediate access to issuing, acquiring, and banking connectivity• Positioned for growth in embedded finance and cross-border payments• Scalable infrastructure with recurring revenue potential

NEXT STEP

Qualified investors may request the confidential information memorandum, financials, and management presentation subject to execution of a non-disclosure agreement.