Acquired.com

What Acquired.com does

Acquired.com (legal entity Acquired Limited) is a UK-based payments infrastructure company focused on recurring commerce for lenders, subscription businesses, debt collection agencies, insurers, BNPL providers, and other financial services brands. Founded in 2015 and headquartered in London with a registered office at Alderley Park, the company operates under FCA Payment Services Authorisation (FRN 910612) and acts as an EMD Agent of PayrNet Limited. Its stated proposition is to process payments intelligently and optimise every aspect of the recurring payments lifecycle, addressing involuntary churn, failed direct debits, and sub-optimal card authorisation rates that materially affect UK lenders and subscription merchants.

The product platform centres on three core offerings: Acquired Billing for subscription and instalment billing management, Revenue Protect for multi-acquirer routing with cascading retries, and Acquired Recover for automated failed-payment recovery. These sit atop a multi-rail payment stack spanning cards (Visa, Mastercard, Amex, Apple Pay, Google Pay), Bacs Direct Debit with mandate management and AUDDIS migration, Pay by Bank via open banking on Faster Payments, and Payouts via Faster Payments, Visa Direct and Mastercard Send. Technical differentiators include a multi-acquirer routing engine with auto-failover, Network Tokenization and Account Updater to keep repayment cards live, enhanced 3DS data for higher approval rates, and Visa A2A-powered Commercial Variable Recurring Payments. Distribution is API-first with four integration methods (Full API, Components, Hosted Checkout, Payment Links) plus drop-in plugins for WooCommerce, Magento 2 and OpenCart. Enterprise clients include Zopa, Hastings, Tandem, Oakbrook, Pepper Money, Loqbox, Abound and Gain Credit.

Commercially, Acquired operates a transaction-based, quote-priced model with commercial terms negotiated per merchant, alongside subscription-style billing revenue from its Acquired Billing platform. The company raised £4 million from Beach Point Capital Management in October 2024 to fund three years of growth, is a founding shareholder of the UK Payments Initiative, and was recognised at the Open Banking Expo Awards 2025. It is led by co-founders Thy Tang (Chief Product Officer) and Gregory Cox (Chairman), with Eline Blomme appointed Chief Strategy and Product Officer in October 2024.

Name

Acquired.com

Legal name

Acquired Limited

Website

https://acquired.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Acquired.com is a UK FCA-regulated payments infrastructure provider focused on recurring payments for lenders, subscription businesses, and financial services brands. It offers multi-rail card, Direct Debit, and Pay by Bank processing with proprietary multi-acquirer routing, retry optimisation, and integrated subscription billing.

Ownership category

akta.pro rank

Product category

Payment Processing / Payment Gateway

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223), Sales Financing (52222), Collection Agencies (56144)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Payment Processing & Acquiring Infrastructure (FSAGABAC), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)

Keywords

• Payment processing platform
• Recurring payments infrastructure
• Subscription billing software
• Direct debit processing
• Payment gateway services

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing: Transaction-based fees charged on payment volume processed through the platform across cards, direct debit, and pay by bank rails. Pricing is quote-based with commercial terms negotiated per merchant.
2. Subscription Billing Platform: Revenue from subscription management and billing orchestration for merchants, bundled with payment processing including free Recover functionality.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Acquired.com provides a unified recurring payments platform that processes card payments, Bacs Direct Debit, Pay by Bank (Open Banking), and real-time payouts through one merchant account, accessible via four integration methods ranging from a full RESTful API to no-code plugins and payment links. The platform layers on Acquired Billing for subscription and instalment management, automated failed-payment recovery, multi-acquirer routing for higher approval rates, and intelligent retry optimisation. Customers include UK lenders, subscription businesses, insurers, and SMB e-commerce merchants on WooCommerce, Magento, and OpenCart.

Product overview

Acquired.com is a payments infrastructure specialist providing a unified platform for recurring commerce. The core offering consists of three interconnected products: Acquired Billing for subscription and instalment billing management, Revenue Protect for multi-acquirer routing and chargeback prevention, and Recover for automated failed payment recovery. These are complemented by four payment methods (Cards, Direct Debit, Pay by Bank, and Payouts) and four integration methods (API, Components, Hosted Checkout, and Payment Links). The platform is optimized for recurring payment scenarios with features including Retry Advice for intelligent retry optimization, Network Tokenization, Account Updater, and 3D Secure authentication. Acquired processes payments for lenders, subscription businesses, and financial services brands in the UK, operating under FCA regulation with PCI DSS Level 1 certification.

Differentiator

Problem solved

Functional benefit

Products and services

• Acquired Billing Subscription and instalment billing management platform enabling businesses to design pricing models, manage recurring revenue, implement free trials and discounts, and reduce churn. Bundled with Acquired Recover for automated failed-payment recovery, targeting subscription and recurring-revenue businesses in the UK.
• Card Payments Card processing service supporting Visa, Mastercard, American Express, Apple Pay, and Google Pay with multi-acquirer routing, network tokenisation, dispute management, and chargeback prevention. Used by UK merchants for one-off and recurring card transactions across acquiring partners Cashflows, Trust, Shift4, Lloyds, and Barclays.
• Direct Debit Bacs-authorised Direct Debit collection service handling mandate setup, ongoing collection, bounces, cancellations, AUDDIS migration, and indemnity claims through one API. Provides UK merchants with automated recurring collections outside the card rails.
• Pay by Bank One-off and recurring payments powered by Open Banking, enabling real-time bank-to-bank transactions via Faster Payments with pre-transaction Confirmation of Funds checks. Used by merchants and lenders as an alternative to card-on-file for recurring collections.
• Payouts Real-time disbursement and refund service via Faster Payments, Visa Direct, and Mastercard Send, enabling merchants to pay out claims and refunds in seconds rather than waiting for settlement on card rails.

Quantifiable outcome

• Reduced payment failures through Retry Advice optimization
• +2 more outcomes

Named customers8 records

Segments9 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

AI capability2 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core.

• HES FinTechcoreTechnology or Integration · 6 May 2026Expanded partnership to integrate Commercial Variable Recurring Payments (cVRPs) powered by Visa A2A into HES LoanBox platform. The native integration enables real-time, bank-to-bank transactions through structured consent, reducing failed payments and improving cash flow visibility for HES LoanBox clients including fintechs, banks, and financial institutions. Collaboration advances recurring payment modernization within the UK fintech ecosystem.
• VisacoreStrategic or Co-development Partner · 21 January 2026Partnership to bring Visa A2A account-to-account payment solution to market for recurring and variable payments in the UK. Solution enables real-time settlement via Faster Payments with near real-time visibility of payment status and immediate settlement as alternative to traditional direct debit and card-on-file methods.
• UK Payments Initiative (UKPI)coreStrategic or Co-development PartnerFounding shareholder and leading participant in the UK Payments Initiative, the industry-led scheme launched at Money20/20 Europe to scale account-to-account payments and commercial VRPs. Joined 30 other organizations in 2024 to create central operator for commercial variable recurring payments in the UK.
• PayrNet LimitedcoreTechnology or IntegrationAcquired Limited is an agent of PayrNet Limited, a company authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN 900594) for issuing electronic money and payment services. This relationship enables Acquired to provide e-money services as part of its payment offering.
• Acquiring Banks (Cashflows, Trust, Shift4, Lloyds, Barclays)coreTechnology or IntegrationPartnership with multiple acquiring banks for card processing. Acquired works with Cashflows, Trust, Shift4, Lloyds, and Barclays as acquiring partners. The routing engine distributes volume across acquirers by performance, providing resilience and flexibility.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GoCardless: UK-headquartered specialist in Direct Debit and recurring payment collection, competing most directly with Acquired in Bacs-authorised recurring infrastructure for UK lenders, subscription businesses, and financial services.
• Checkout.com: London-founded global payment processor offering card acquiring and recurring payment infrastructure; directly comparable PSP model and UK fintech customer overlap.
• Trust Payments: UK-based acquirer and PSP partner of Acquired; competes in card acquiring and recurring payments for UK and European merchants with overlapping integration methods.
• Mollie: European PSP with strong SMB and mid-market focus via multi-method checkout and plugins, closely comparable to Acquired's API-first + plugin strategy for European merchants.
• Paddle: Merchant-of-record and subscription billing platform handling recurring payments, FX, and tax for SaaS/digital goods — overlapping with Acquired Billing and Recover in the subscription vertical.

Broad incumbents

• Stripe: Global payments platform offering card processing, subscriptions (Stripe Billing), and routing; serves overlapping UK fintech and SaaS customers at much larger scale.
• Adyen: Global unified commerce PSP with multi-acquirer routing and recurring capability; competes for enterprise UK merchants and acquirer relationships Acquired also routes to.
• Worldpay: Large incumbent acquirer and processor in the UK with full recurring payment capability; competes for enterprise merchant acquiring and payment processing volume.

Emerging players

• Recurly: Subscription billing and recurring revenue management platform; overlaps with Acquired Billing/Recover in subscription churn reduction, though typically paired with third-party processors.
• TrueLayer: UK open banking API platform enabling pay-by-bank and A2A payments; overlaps with Acquired's Pay by Bank and Visa A2A cVRP capabilities in the recurring payments stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/acquired-com
• Xx.com/AcquiredLive
• Facebookfacebook.com/profile.php

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

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 Acquired.com