Judopay

What Judopay does

Judopay (legal entity: Alternative Payments Limited) is a UK-based mobile-first payments platform founded in 2012 and headquartered in London, operating as a wholly owned subsidiary of Italy's Fabrick S.p.A. (Banca Sella Group) since its May 2023 acquisition. The company provides enterprise-grade payment processing to UK businesses across online, in-app, and in-person channels through a single API integration, with options for gateway-only or full-stack (gateway plus acquiring) deployment. Core technology components include a proprietary payment gateway, intelligent transaction routing that the company claims delivers 92% higher approval rates, 3DS2 authentication, network tokenisation, and rules-based fraud scoring using 3DS, AVS, and CV2 checks. Platform SLA is 99.9% uptime and supports Apple Pay, Google Pay, contactless card payments, and payment links, with PCI DSS 4.0.1 Level 1, ISO27001, and UK ICO compliance underpinning regulated processing.

Judopay generates revenue primarily through per-transaction fees complemented by monthly minimum commitments, one-time setup and MID registration fees, and ongoing PCI compliance fees, with all commercial terms negotiated per-merchant via Order Forms and billed monthly. The GTM is sales-led, combining direct enterprise sales, developer self-serve (docs, SDKs, sandbox), and a partner programme for ISVs and resellers. Primary verticals served are Mobility (PaybyPhone), Hospitality (KFC), Financial Services (Hiscox, Foxtons), and Healthcare (a vertical launched in April 2025 supporting NHS and private providers). Named enterprise customers include KFC, PaybyPhone, Bupa, Manchester United, Foxtons, and Hiscox, alongside a stated base of thousands of UK SMBs. Headcount sits in the 11-50 range and the operating footprint is UK-only, with international reach theoretically available through the Fabrick parent ecosystem.

Name

Judopay

Legal name

Alternative Payments Limited

Website

https://judopay.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Judopay is a London-based mobile-first payments platform providing online, in-app, and in-person card processing via a single API for UK enterprises and SMBs. A wholly owned subsidiary of Italy's Fabrick S.p.A. since May 2023, it operates across mobility, hospitality, financial services, and healthcare verticals.

Ownership category

akta.pro rank

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

Revenue model

1. Transaction Fees: Fees charged per transaction processed through the payment gateway or full-stack solution. Transaction charges are detailed in the Order Form and include charges for payment-related events such as chargebacks and refunds.
2. Monthly Minimum Commitment: Fixed monthly fee structure where merchants pay a minimum monthly commitment unless transaction fees exceed this amount, at which point the variable fees apply instead.
3. Setup and Registration Fees: One-time fees for account setup (Set Up Fees) and MID registration. These fees are detailed in the Order Form.
4. Compliance Fee: Ongoing compliance-related fees charged to merchants for maintaining PCI DSS compliance and regulatory adherence.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Judopay provides a mobile-first payment processing platform that enables UK businesses to accept online, in-app, and in-person card payments through a single API integration. Merchants can opt for a gateway-only configuration or a full-stack service combining gateway and acquiring, with built-in 3DS2 authentication, network tokenisation, intelligent routing, and fraud prevention scoring. The platform is PCI DSS 4.0.1 and ISO27001 certified and supports Apple Pay, Google Pay, and contactless card payments.

Product overview

Judopay is a mobile payments platform providing flexible, secure payment solutions for UK businesses. The platform operates as a unified system offering online payments, payment gateway, and full stack payments as core services, along with Payment Links, Fraud Prevention, and SCA Authentication as specific product modules. Merchants can accept payments online, in-app, and in-person through a single integration with options for full-stack (gateway plus acquiring) or gateway-only setup. Judopay is a part of Fabrick's open finance ecosystem and processes millions of transactions across the UK with 99.9% uptime and 92% approval rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Payments Payment processing service enabling merchants to drive sales across desktops, smartphones and in-app environments.
• Payment Gateway Safe and secure payment gateway for collecting transaction data from merchants and routing it to an Acquirer.
• Full Stack Payments All-in-one payment solution combining payment gateway and acquiring services for merchants that want a complete payment processing service.
• Payment Links Secure online payment link solution allowing merchants to accept payments through a shareable URL.
• Fraud Prevention Fraud detection and prevention solution using scoring mechanisms including 3D Secure, AVS, and CV2 checks to identify and prevent fraudulent activity.
• Authentication (SCA) Secure customer authentication solution implementing Strong Customer Authentication (SCA) requirements for secure and seamless payment authentication.

Quantifiable outcome

• 99.9% uptime SLA
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Worldpay: One of the largest UK-headquartered payment processors and acquirers, serving enterprise merchants across online and in-person channels. Competes with Judopay's full-stack offering but at much greater scale and across a broader merchant base.
• Elavon: Large incumbent global payment processor and acquirer with a significant UK merchant services business. Offers gateway and acquiring services similar to Judopay's full-stack offering, but as part of a broader international enterprise portfolio.
• Square (Block): Global payments platform combining hardware POS, software, and online processing for SMBs and larger merchants. Competes with Judopay on contactless and in-person payments but with a much broader product suite including software and banking.

Direct peers

• Checkout.com: UK-founded global payments processor providing gateway and acquiring services to large enterprise and digital-native merchants. Closely comparable to Judopay in UK enterprise orientation and end-to-end gateway-plus-acquiring model.
• takepayments: UK payment service provider offering card terminals, online payments, and merchant acquiring to small and medium UK businesses. Overlaps directly with Judopay's gateway, full-stack, and in-person offerings in the UK SME segment.
• Dojo (Paymentsense): UK-focused card payments and acquiring provider for small and mid-market merchants, offering contactless terminals and integrated software partnerships. Comparable to Judopay's UK enterprise/SMB acquiring footprint and vertical-specific positioning.
• Adyen: Unified global payments platform combining gateway, acquiring, and processing for enterprise merchants. Directly comparable to Judopay's full-stack offering and serves many of the same UK enterprise verticals (hospitality, mobility, retail).
• Stripe: Global online payment gateway and processing platform with strong API-first developer experience and merchant acquiring. Directly competes with Judopay across online and in-app payments in the UK, with overlapping merchant base in digital and subscription businesses.
• Mollie: European multi-payment-method gateway serving online and in-person merchants, with strong UK presence. Comparable to Judopay in offering unified gateway/acquiring plus a developer-friendly integration model targeting SMB and mid-market.
• SumUp: European payments provider offering card readers, POS, and online payment processing to SMB and enterprise merchants in the UK. Directly overlaps Judopay's contactless, mobile, and in-person payment capabilities for hospitality and small business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/judopay
• Facebookfacebook.com/Judopay-455782381916163
• LinkedInlinkedin.com/company/judopay

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds2 records

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 Judopay