Strategic payments partner — a new breed of fintech
We bring together modern card infrastructure and private-bank-style service.
Get on the linePrincipal Member of Visa, Mastercard, and UnionPay – Acquirer
FCA-authorised payment provider in the UK *
Service on top of tech
We deliver human-led support backed by regulatory, technological, and business expertise to help you minimise operational risk, ensure stable payment operations, and drive measurable revenue growth.
FMPay exclusive
Bank-grade reliability
We're a regulated company, safeguarding your funds, with no intermediaries between your business and the card schemes across the UK and EU.
Licensed providers’ value
Full-stack card infrastructure
We cover the full spectrum of card products, from online and in-person acquiring to payouts and white-label issuing, adapting our technology to the current needs of merchants, fintechs, and PSPs.
Industry standard
Ways to partner with us
We grow in two ways. Specific payment needs get their own product. Local markets get their own team on the ground. Asia is next.
51.8994°N · 2.0783°W
FM Finance Ltd
United Kingdom, Cheltenham
Incorporated 14 June 2018
Сompany number 11415496
Authorised Payment Institution regulated by the Financial Conduct Authority since 7 May 2019.
Remitiva
United Kingdom, Cheltenham
A vertical of FM Finance Ltd. Launched in 2023
FCA firm reference number 815137.
A licensed infrastructure for global card payouts delivered through Visa Direct, Mastercard Money Send, and UnionPay International Money Express.
FM Finance (Malta) Ltd
Malta, Naxxar
Incorporated 2025
Registered with the MBR, registration code C 102960
MFSA authorisation ID FFML-24932.
Serves businesses across the EU.
We don't pretend payment operations can be simple. They are not.
The challenge
Fintech platform "simplicity" becomes being alone with the problem.
The industry has absorbed regulatory and technological complexity into self-service fintech platforms, leaving businesses to navigate it through API docs and AI chatbots. For most businesses, that is enough.
It holds until your traffic stops looking standard, until a scheme changes a rule for your niche, until an account is frozen and the dashboard shows you what happened without telling you why.
Our response
We place experienced professionals between your business and the algorithm.
We help you choose and enable the right payment setup – a combination of payment products, capabilities, and operational model that aligns with your specific growth objectives.
We stay close to you throughout the journey, providing guidance when unexpected situations arise and helping you navigate operational, regulatory, and market challenges.
We act as a long-term partner that navigates payment complexity, the steady shoulder beside you.
Let’s talk
Personal service is usually a reward. You get it if your volumes are large enough, or if your logo looks good in a portfolio. We designed ours differently: the same named team, the same escalation path, the same quarterly review for every client on our books.
Here nobody is a VIP, because everybody is treated like one.
Our value breaks differently depending on where you are
For established merchants with complex payment flows
You already process with a self-service platform, and it works until it doesn't
We offer
Proactive risk management, run by a dedicated success manager and named team that knows and proactively supports your account.
You gain
Operational confidence and peace of mind.
For fast-growing digital businesses, platforms, and fintechs
You are struggling to design and scale payment setup without in-house expertise
We offer
Strategic payment team-as-a-service, providing long-term guidance to improve conversion and support market expansion.
You gain
The senior payment expertise without spending a year hiring for it.
For mature payment providers and fintechs
You know exactly what you want from a provider. Most cannot deliver it
We offer
Flexible infrastructure, commercial terms that are negotiated rather than published, and a relationship at founder level.
You gain
Your economics become yours to set, and your roadmap stops waiting years on a provider's capabilities.
We founded FMPay in 2018 after spending years as clients ourselves – waiting days for answers and trying to understand decisions made by people we could not reach. There is a reason we are called FM. Like a local FM radio channel, we stay close to the communities we serve, understand the local context, and keep the connection clean and open when our clients need us.
That direct line remains open at every level: your success manager handles day-to-day needs, while our C-level managers are accessible when the issue calls for a strategic decision.
Operate with confidence and grow predictably with a strategic payments partner
We take ownership of complexity for you through human-led advisory and support.
Contact us