Mission control for your payments
Strategic infrastructure partner for card acceptance and global payouts.
Committed to businesses with demanding payment operations.
Principal Member of Visa, Mastercard, and UnionPay – Acquirer
FCA-authorised payment provider in the UK *
Technology alone was never enough.
That's why we built a human-led service on top of our fintech platform.
We bring navigational competence to your payment journey.
We place professionals between your business and the algorithm.
So you operate with confidence and grow with predictability.
FMPay stands behind you.
We exist to manage the pains that come with payment complexity
Frozen funds. Chatbot support
Proactive human-led risk management and guidance
A dedicated success manager watches your flows, flags issues, and is always within reach.
Too many options. Zero clarity.
Tailored, profit-driven payment solution setup
We configure products and features, contracts, and commercials around how your business earns.
Growth promised. Help is missing
Strategic payment team-as-a-service
Our experts build the roadmap, help optimise your conversion, and sequence new capabilities for you.
What you can do with our card infrastructure and how
01. What you run
We cover the full card payment cycle, from accepting payments to moving money globally.
Payment acceptance
Payouts
02. How it reaches your customers
However you interact with your customers — online, at the counter, or inside your app — we provide the payment infrastructure behind it.
Online payments
Payment links
Embedded fintech
03. How much of the stack you take
However fintech you are, we fit around you.
For payment intermediaries with their own gateways.
For platform and product owners embedding payment solutions.
For merchants selling goods and services online and offline.
Frontend – UI, apps, iframes
Transaction engine and APIs
Licensed payment infrastructure
For payment intermediaries with their own gateways.
Frontend – UI, apps, iframes
Transaction engine and APIs
Licensed payment infrastructure
For platform and product owners embedding payment solutions.
Frontend – UI, apps, iframes
Transaction engine and APIs
Licensed payment infrastructure
For merchants selling goods and services online and offline.
Frontend – UI, apps, iframes
Transaction engine and APIs
Licensed payment infrastructure
04. Industries in focus
We work closely with industries where payments are part of the core business model.
Health & Wellness
Creator economy
Education
Remittance
eWallets
The shape of the partnership
Direct to the schemes
Your transactions reach Visa, Mastercard and UnionPay through us alone — one step from the rails.
Your funds are protected
Your funds are safeguarded in line with UK regulations. As a licensed payment provider, we are directly accountable to regulators.
C-level within reach
Our leadership is part of the relationship: strategy and edge cases are discussed at the top.
Bank-grade reliability
As a UK payment service provider, FMPay combines banking-grade reliability with risk scoring to protect conversions and funds.
Onboarding that moves
A dedicated team takes you from application to live fast, resolving technical questions as they come.
Control stays with you
A digital view of every process, from transaction to settlement. You monitor, manage, and decide in real time.
At home, where you sell
Global platforms localise to gain formal standing with issuers. As an FCA-regulated Payment Service Provider and an MFSA-authorised Payment Institution, we never had to localise: the UK and Europe are where we're from. A team on the ground, involved in your operations and compliance.
And when your business reaches customers beyond, our UK payment solution already does. Accept and move payments across 140 countries and 160 currencies.
Frequently asked questions
Who is FMPay built for?
We work as a card-acquiring partner for UK and EU businesses with demanding payment operations: established merchants in health and wellness, the creator economy, and education, plus intermediaries and fintechs building on a licensed core. If you process a meaningful volume and need a partner rather than a self-service dashboard, we should talk. If you are just starting out and need a plug-and-play checkout, a self-service provider will serve you better at this stage.
Do you work with fintechs and platforms?
Yes. FMPay operates as a fintech platform for card acquiring in the UK and EU. ISOs, PSPs, PayFacs, marketplaces, and neobanks build on our licensed foundation, embedding fintech payment services under their own brands.
FMPay a UK payment processor or a payment gateway?
Both, within one institution. FMPay is a UK payment processor with principal membership of Visa, Mastercard, and UnionPay, and our own payment gateway for UK and EU businesses is part of the same stack. Acquiring, gateway, payouts, and issuing come from a single provider, one step from the schemes.
What does card acquiring with FMPay include?
A complete payment acquiring solution: merchant onboarding, transaction processing, risk scoring, settlement, and reporting. As an FCA-authorised acquiring partner for card payments and payouts, we handle the full cycle under our own licence, bringing acquiring and payout services together under one roof.
Do I need a separate account to receive my funds?
You will need your own business bank account to receive payouts (we are a payment institution, not a bank, and do not open bank accounts). With FMPay, you get a settlement account within our infrastructure, where funds from card acquiring are safeguarded at a regulated credit institution.
Transactions are visible in real time, with daily reconciliation. We transfer funds to your bank account on the agreed payout dates.
How is FMPay different from other UK payment solutions?
Most providers give you technology and a ticket queue. We built a human-led service on top of the infrastructure: a dedicated success manager, proactive risk management, and leadership within reach. That is what we mean by acting as a strategic payment infrastructure partner in the UK rather than a vendor.