M B L Solutions

What M B L Solutions does

MBL Solutions Ltd is a UK-based B2B gift card management and digital rewards platform provider with 25+ years of experience in the UK gift card market. The company operates two core products: a Gift Card Management Platform providing end-to-end processing, B2C and B2B sales, financial management, fulfilment, and customer care for physical and digital gift cards, single-use coupons, and product codes at scale; and a Loyalty Platform / e-Gift Hub that exposes an API and dashboard connecting platform buyers to 170+ UK retail brands on a transparent monthly subscription fee. Technology is built around real-time transaction processing, a real-time reporting suite for commercial and financial users, enterprise-grade fraud and risk monitoring, and a promotional engine for data-led campaigns.

MBL monetises through three revenue streams: transaction-based fees on gift card processing and management, managed services for end-to-end B2B representation, and a recurring monthly subscription fee for the e-Gift Hub API platform. Its primary customer segments are UK retailers (fashion, restaurants, food retail, variety, footwear), with named enterprise clients including New Look, PizzaExpress, Greggs, B&M, schuh, and Airtime; secondary segments are HR/employee benefits providers, fintech platforms, and loyalty operators served via the API channel. Distribution combines direct enterprise sales, integration with the UK's biggest B2B sales providers (giving merchants access to 80% of the UK B2B marketplace at launch), and embedded API integrations for HR, fintech, and loyalty buyers.

MBL was founded around 1999, employs 11-50 people, and is headquartered in Birkenhead, Merseyside. As of October 2025, the company is undergoing integration with Love2shop, a subsidiary of publicly listed PayPoint PLC (AIM: PAY), which has resulted in MBL becoming part of the PayPoint group structure and new senior leadership appointments to strengthen client relationships and business development. No venture capital or private equity funding rounds are disclosed.

Name

M B L Solutions

Legal name

MBL Solutions Ltd

Website

https://mblsolutions.co.uk

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

MBL Solutions Ltd is a UK-based B2B gift card management and digital rewards platform serving retailers, fintech, HR/employee benefits, and loyalty operators. It operates real-time physical and digital gift card infrastructure with an API connecting 170+ UK brands, and is a subsidiary of PayPoint PLC via Love2shop.

Ownership category

akta.pro rank

Product category

Gift Card Management Software

NAICS

Credit Card Issuing (522210)

SIC

Finance Services (6199)

akta.pro primary industry

Prepaid Card Program Managers & Issuers (BIN Sponsors) (FSAMANAK)

Keywords

• Gift card management
• Digital rewards platform
• Loyalty platform API
• B2B gift card services
• E-gift card hub

Headquarters

HQ city

Cramlington

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Gift Card Processing and Management: MBL provides end-to-end gift card services including processing, consumer sales, B2B sales, financial management, fulfilment, and customer care. Revenue is generated through transaction fees and processing charges for managing gift card programmes.
2. e-Gift Hub Platform: One hub with one API providing access to 170+ UK retailers with one monthly fee, no hidden costs. Transparent pricing model for employee benefits, loyalty, and fintech platforms.
3. B2B Representation and Management: MBL manages all aspects of B2B gift card programmes from end-to-end, providing representation and access to the biggest B2B customers and opportunities including Employee Benefits, Banking Rewards, Telco, Marketing and Brand Partnerships.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

MBL Solutions provides end-to-end gift card management platforms for physical and digital gift cards, single-use coupons, and product codes. The company manages B2B and B2C sales, processing, financial management, fulfilment, and customer care for UK retailers, and operates an e-Gift Hub/Loyalty Platform with API access connecting to 170+ UK retailers for employee benefits, fintech, and loyalty clients.

Product overview

MBL Solutions offers a dual-product portfolio: a core Gift Card Management Platform for end-to-end physical and digital gift card programme management (including B2B representation, processing, fulfilment, and customer service), and a Loyalty Platform / e-Gift Hub that provides API and dashboard access to 170+ UK retailer brands for digital rewards delivery. These products share real-time transaction infrastructure and are targeted at UK retailers, employee benefits providers, fintech platforms, and loyalty operators.

Differentiator

Problem solved

Functional benefit

Brands

• e-Gift Card Hub: A digital rewards and e-gift card hub providing instant access to 170+ UK retailers, built for employee benefits, loyalty, and fintech platforms.

Quantifiable outcome

• Merchants gain immediate access to 80% of the UK B2B marketplace through integrated sales providers
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

One partnership is on record.

• Love2shopcoreStrategic or Co-development Partner · 27 October 2025MBL Solutions has announced integration with Love2shop, a subsidiary of PayPoint PLC. As part of this integration, senior leadership appointments have been made to strengthen client relationships and business development. The integration combines MBL's gift card expertise with Love2shop's reward and incentive capabilities.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Pluxee: Sodexo spin-off providing employee benefits, gift cards and public benefits solutions. Comparable to MBL's employee benefits and multi-retailer gift card distribution offering, though operating globally and at much larger scale.
• Edenred: Global leader in prepaid corporate benefits and gift solutions. Comparable to MBL in providing employer-funded prepaid products, multi-retailer gift cards, and B2B rewards distribution, though at much larger scale and geographic breadth.
• PayPoint PLC: AIM-listed payments and consumer transactions business; MBL's parent group following the Love2shop integration. Comparable as a UK retail payments, prepaid and rewards provider, though far broader in scope (bill payments, top-ups, parcels).

Direct peers

• Blackhawk Network: Global prepaid gift card network and program manager serving retailers and B2B distribution partners. Directly comparable to MBL's end-to-end gift card processing, B2B distribution and digital issuance capabilities, though operating at much larger global scale.
• Love2shop: UK multi-store gift card and rewards provider, now MBL's sister company under PayPoint PLC. Directly comparable in operating UK multi-brand gift cards, employee benefits and B2B reward distribution.
• InComm Payments: Prepaid gift card and stored-value program manager with strong retail and B2B distribution. Comparable to MBL in providing end-to-end gift card processing, physical and digital fulfilment, and API-based distribution.
• Appreciate Group (Park Christmas Savings / Appreciate): UK gift card and Christmas savings specialist operating branded gift cards, prepaid products and B2B reward programmes. Directly comparable to MBL's UK-focused physical and digital gift card programme management offering.

Emerging players

• Reward Gateway: UK-headquartered employee engagement and benefits platform offering digital rewards and gift card catalogues to employers. Comparable to MBL's e-Gift Hub positioning for HR and employee benefits platforms, with overlapping B2B customer base.
• Gift Up: Digital gift card platform targeting SMEs and retailers with API-based digital gift card issuance. Comparable to MBL's e-Gift Hub product in offering API-driven digital gift card delivery, though focused on smaller merchants.

Regional players

• Tremor International (now Nexxen) - Gift Card division: Global digital advertising and gift card distribution platform serving B2B and consumer markets. Comparable to MBL in offering multi-retailer gift card distribution via API/dashboard, though primarily serving the US market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/MBLSolutions
• Facebookfacebook.com/people/MBL-Solutions/100068680074183
• LinkedInlinkedin.com/company/mbl-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 M B L Solutions