What Super Payments does

Super Payments is a UK-based payment network founded in 2022 that aggregates multiple payment rails — cards (including Apple Pay and Google Pay), Open Banking via Yapily, and Buy Now Pay Later through Abound under the Super Credit brand — into a single merchant integration at 0% processing fees. The platform is built as a cloud-native, PCI DSS-compliant stack offering three integration paths: an embedded web component, a redirect Hosted Payment Page, and no-code Payment Links, with a REST API (current version 2026-04-01) and JavaScript SDK supporting checkout sessions, refunds, webhooks, settlements, and transaction search. The company serves primarily e-commerce merchants across SMB and mid-market segments, with a secondary in-person retail product line, and integrates natively with Shopify, Magento 2, BigCommerce, WooCommerce, and Salesforce Commerce Cloud.

The company monetises outside the core processing flow: Super Credit generates commission from lenders when shoppers use BNPL (free for merchants), optional subscription add-ons (Amex acceptance, corporate surcharging, enhanced fraud protection) provide a secondary SaaS stream, and a Publishers advertising module monetises the checkout surface. Business accounts and EMI services are provided through Modulr FS Limited, while card processing infrastructure is powered by Stripe — meaning Super is positioned as the merchant-facing aggregator rather than a regulated bank or card scheme. The company is FCA-registered as an Introducer Appointed Representative of Abound (FRN 1034245) and processes over $1 billion annually across approximately 4 million UK consumers, reporting 4x year-on-year volume growth and ~$100 million in cumulative venture funding led by Accel with LocalGlobe and Union Square Ventures.

Name

Super Payments

Legal name

Super Payments Limited

Website

https://superpayments.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

51–100 employees

Short description

Super Payments is a UK fintech founded in 2022 that aggregates cards, Open Banking, and BNPL into a single 0% processing-fee checkout for e-commerce merchants, monetising via BNPL commissions, subscription add-ons, and checkout-surface advertising.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Consumer Lending (522291), Sales Financing (52222)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

akta.pro secondary industries

Buy Now, Pay Later (BNPL) (CRAFALAD), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Invoicing, Pay-by-Link & Virtual Accounts (CRAFALAJ)

Keywords

• Payment processing platform
• Online checkout services
• Buy now pay later
• Open banking payments
• E-commerce payment network

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Pay Later Commission: Super Credit is always free for merchants. Super Payments earns a commission from lenders (Abound) when shoppers use the BNPL option to complete purchases.
2. Optional Paid Add-ons: Premium features available for additional cost including Amex acceptance, corporate surcharging, enhanced fraud protection, and other upgraded features to boost merchant accounts.
3. Advertising Solution: Advertising platform for publishers integrated into merchant websites to drive additional revenue through promotional content placement.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

Super Payments operates a payment network that processes online and in-person transactions at 0% processing fees across cards (Visa, Mastercard, Amex, Apple Pay, Google Pay), Pay Later (BNPL via Super Credit), and Open Banking (via Yapily). The platform combines embedded/hosted checkout components, next-day settlements, a cashback rewards engine, and merchant integrations for Shopify, Magento, BigCommerce, WooCommerce, and Salesforce Commerce Cloud. Revenue is earned from lender commissions on BNPL, optional paid add-ons, and an integrated publisher advertising solution.

Product overview

Super Payments is a payment network built around a 0%-fee processing model for merchants. The core platform (Super Payments) aggregates multiple payment rails — cards (including Apple Pay and Google Pay via 1-Click Checkout), Open Banking (Pay by Bank), and BNPL via Super Credit — under a single integration. Merchants integrate via one of three methods: the Embedded Payments component (a web component embedded directly on-site), the Hosted Payment Page (redirect to Super's secure environment), or Payment Links (no-code shareable URLs). Saved Card Payments enable off-session merchant-initiated charging for subscriptions. Cash Rewards is a merchant-configured cashback programme displayed through Super Checkout Messaging (marketing assets across the shopping journey) that drives repeat purchase and AOV uplift. The Super Business Portal provides merchant dashboard and configuration tools, while the Super Payments REST API (current version 2026-04-01) enables programmatic integration. The Publishers/Advertising module monetises the checkout surface for merchants. Super Credit is provided in partnership with Abound and generates revenue via lender commissions. In-Person Payments extends the platform to physical retail. The platform is currently processing over $1 billion annually across 4 million UK customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Super Payments Core Platform Core payment processing platform for merchants offering 0% processing fees across cards, Pay Later, and Open Banking with next-day settlement, sold to UK and global e-commerce businesses.
• Super Credit (Pay Later) Buy Now Pay Later product offering Pay Later (3, 12, or 24 months) and Pay in 3 interest-free options, always free for merchants and provided in partnership with Abound (Fintern Ltd).
• Cash Rewards Merchant-configured cashback rewards programme where shoppers earn cashback on purchases through Super-enabled merchants. Rewards users repeat purchase 1.3x more often than non-rewards users.
• In-Person Payments In-store payment solution that enables physical retail merchants to accept Super payments at point of sale, extending the 0% fee and rewards model to in-person transactions.
• 1-Click Checkout Express checkout product enabling returning Super customers to pay in seconds with pre-saved card details, delivering 2.5x faster checkout than standard flows.
• Embedded Payments Integration option allowing merchants to embed Super's multi-payment checkout component (super-checkout web component) directly into their website, supporting cards, Open Banking, and Credit (BNPL) within a single customisable component.
• Hosted Payment Page Redirect-based secure checkout where Super handles sensitive payment data on a PCI DSS compliant hosted page, minimising merchant integration effort and qualifying merchants for SAQ A PCI scope.
• Payment Links No-code payment solution generating unique URLs for specific transactions, available via the Business Portal or Payment Links API with configurable expiry dates and redirect URLs.
• Saved Card Payments Allows merchants to charge a customer's saved card at a later date without the customer being present, via merchant-initiated transactions exempt from Strong Customer Authentication, supporting recurring billing and subscriptions.
• Super Business Portal Merchant-facing dashboard for managing integrations, API keys, payment links, transactions, refunds, brand reward configuration, marketing assets, and webhook setup, with a sandbox environment for testing.
• Super Payments API Versioned REST API (current 2026-04-01) for programmatic integration, supporting checkout sessions, payments, refunds, customer management, settlements, transaction search, reward configuration, and webhook event delivery via sk_prod_/sk_test_ API keys.
• Publishers Advertising Advertising component integrated via a JavaScript snippet that renders pre-checkout or post-checkout advertiser content on publisher/merchant sites, monetising the checkout experience as an additional revenue stream for merchants.

Quantifiable outcome

• Average annual savings of $678k for businesses processing $100m in sales
• +4 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability3 records

Feature10 records

Partnerships

Seven partnerships are on record, tiered core.

• YapilycoreTechnology or IntegrationOpen banking payments provider powering Super's Pay by Bank functionality. Yapily Connect Limited is authorised and regulated by the UK FCA (Firm Reference 827001).
• Modulr FS LimitedcoreTechnology or IntegrationElectronic Money Institution providing business accounts and payment services. Super Payments is a distributor of Modulr FS Limited, authorised by FCA (Firm Reference 900573).
• Stripe Payments UK LimitedcoreTechnology or IntegrationCard payments infrastructure partner powering Super's card payment processing. Stripe UK is regulated by FCA as an Electronic Money Institution.
• ShopifycoreTechnology or IntegrationE-commerce platform with dedicated Super Payments plugin available in the Shopify App Store. Enables merchants to accept zero-fee payments with cash rewards.
• Magento 2coreTechnology or IntegrationAdobe Commerce e-commerce platform with Super Payments plugin. Compatible with Magento 2.4.0-2.4.8 and Hyvä theme framework.
• BigCommercecoreTechnology or IntegrationSaaS e-commerce platform with Super Payments app available in BigCommerce marketplace for Stencil theme stores.
• WooCommercecoreTechnology or IntegrationWordPress e-commerce plugin with Super Payments integration available in WordPress plugin directory.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Klarna: Klarna is the global leader in BNPL and has expanded into a full merchant payments and shopping network. Like Super Payments, it monetizes consumer credit usage and is building an advertising and commerce media layer on top — making it the closest comparable in business model and ambition.
• Block (Square + Cash App + Afterpay): Block combines Square seller payments (with 0% in-person processing), Cash App consumer payments, and Afterpay BNPL. Its 0% processing and consumer-merchant network model is structurally analogous to Super Payments' approach, and Afterpay is a direct BNPL competitor to Super Credit.
• Affirm: Affirm is a leading merchant-integrated BNPL provider offering Pay-in-4 and longer-term installment lending at online checkout. It is the most direct US analog to Super Credit and a direct competitor for merchant BNPL placements in the UK and globally.
• Checkout.com: Checkout.com is a UK-founded, global payment processor focused on digital commerce with a similar scale, funding profile, and enterprise-merchant focus as Super Payments. It is the closest direct UK-headquartered peer in card processing for e-commerce.
• Mollie: Mollie is a European payment processor targeting SMB and mid-market online merchants with simple, multi-method checkout — a very similar go-to-market motion to Super Payments' PLG and self-serve approach. Both compete for the same Shopify, WooCommerce, and Magento merchant base in Europe.

Broad incumbents

• Stripe: Stripe is the dominant online payment processor and is also Super Payments' actual card processing infrastructure partner. Stripe is both a supplier and the primary competitive threat: any merchant evaluating Super is also evaluating Stripe, which has vastly broader product depth and global scale.
• Adyen: Adyen is a global enterprise-grade payment processor serving large e-commerce merchants. It is a direct competitor in card processing for mid-market and enterprise e-commerce, and it is used by the same merchants Super targets with its enterprise field sales motion.
• Worldpay: Worldpay is a global incumbent in payment processing with deep UK and European roots. Super Payments explicitly positions itself as a disruptor of the card networks Worldpay relies on, and Worldpay is a relevant incumbent benchmark for processing scale and pricing.

Regional players

• SumUp: SumUp is a European SMB-focused payment processor with strong presence in the UK and a similar merchant-led GTM motion. It competes with Super Payments for the same small and mid-sized merchants, particularly via in-person and online checkout integrations.

Emerging players

• Trustly: Trustly is a European Open Banking payments network that powers account-to-account pay-by-bank flows, which is the same underlying rail Super Payments accesses through Yapily. It is comparable as a payments-rail alternative to cards in the European e-commerce market Super targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds4 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Super Payments