What Fibonatix does

Fibonatix (UK) Limited is a Manchester-headquartered, FCA-authorised Payment Institution (FRN 768776) operating as a specialist payment services provider since 2013. The company operates a proprietary payment gateway infrastructure that handles online authorisation, 3D Secure authentication, tokenisation, and settlement routing for card payments and alternative payment methods, supported by PCI DSS Level 1 compliant infrastructure. Around the gateway core, Fibonatix has assembled a modular product suite including POS Solutions (wireless terminals and SoftPOS that turns NFC smartphones into contactless terminals), Virtual Terminal for manual card-not-present entry, Pay by Link for remote payment collection, Recurring Billing with SCA compliance, and integrations with Wix, U Commerce, Magento, and CRM systems. The platform supports over 150 currencies and serves merchants across UK and EEA with cross-border transaction capability.

Fibonatix's commercial focus is on specialist and high-risk verticals that mainstream processors reject or underwrite poorly: CBD and cannabis-related products, forex and proprietary trading, online dating, adult physical goods, and prize competitions. The company positions itself around deep underwriting expertise, vertical-specific acquirer relationships, and personalised relationship management, with a sales-led go-to-market executed through direct website enquiries, dedicated account managers, and a formal Referral Partner Program. The business generates revenue through transaction-based processing fees, gateway integration fees, and managed merchant account services, with pricing custom to each merchant's business type, risk profile, maturity, and target markets rather than published rate cards.

The company is privately held with no disclosed institutional investment, funding rounds, or parent company. Leadership is concentrated under CEO Tal Miller, with functional heads covering client success, payment operations and intelligence, business development, sales, finance, and marketing. Distribution is augmented by a content-led marketing engine including a Resource Hub, the Pay Attention podcast, webinars, and active event participation at industry conferences such as iFX EXPO and Mary Jane Berlin. No mobile applications, patents, or AI/ML capabilities are disclosed in the input data.

Name

Fibonatix

Legal name

Fibonatix (UK) Limited

Website

https://fibonatix.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Fibonatix (UK) Limited is a Manchester-based FCA-authorised Payment Institution operating a proprietary payment gateway for online card and alternative payment processing. It serves merchants in specialist, high-risk verticals including CBD, forex, online dating, adult goods, and prize competitions across UK and EEA markets.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Payment Gateways & Orchestration (BPAMAFAA)

akta.pro secondary industries

Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

Keywords

• Payment gateway services
• Merchant account processing
• High-risk payment processing
• Online payment processing
• Payment institution services

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based payment processing fees charged to merchants for facilitating card payments and alternative payment methods. Fees vary by business type, risk level, business maturity, target markets, and transaction characteristics.
2. Payment Gateway Services: Fees associated with gateway integration, API access, and technical connectivity for merchants connecting their e-commerce platforms to payment networks.
3. Merchant Account Services: Dedicated merchant account provisioning for specialist category businesses, including underwriting, compliance monitoring, and dispute management.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Fibonatix is an FCA-regulated Payment Institution that provides online payment processing infrastructure for merchants, centred on a proprietary payment gateway. It underwrites merchant accounts, enables card and alternative payment method acceptance, and supplies modular tools (POS, virtual terminal, SoftPOS, recurring billing, pay by link) with a particular focus on specialist and high-risk verticals such as CBD, forex, online dating, adult physical goods, and prize competitions.

Product overview

Fibonatix is an FCA-regulated payment services provider (Payment Institution, FRN 768776) offering a unified payment infrastructure centred on a Payment Gateway platform with modular add-ons and specialist vertical solutions. The core Payment Gateway handles online transaction authorisation, routing, and settlement for UK and EEA merchants. Around this core, Fibonatix offers a suite of channel-specific modules including POS Solutions (physical terminals and SoftPOS for in-person payments), a Virtual Terminal for manual/card-not-present entry, Pay by Link for remote payment collection, and Recurring Billing for subscriptions. E-commerce integrations connect the gateway to Wix, U Commerce, and Magento platforms, while CRM system integration enables payment data to flow into customer management workflows. The company also provides dedicated Payment Consulting and Bespoke Solutions for merchants with complex or specialist requirements. For high-risk and specialist verticals — CBD, forex/prop trading, online dating, adult physical goods, and prize competitions — Fibonatix offers tailored merchant accounts and acquiring relationships that mainstream processors typically restrict. Supporting services include a Merchant Support Portal (Monday.com-based) for real-time transaction reporting and dispute management, and Fraud & Risk Management covering TC40/SAFE reports, chargeback reduction, and VAMP monitoring.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Gateway Online payment gateway enabling merchants to accept credit cards, debit cards, digital wallets and alternative payment methods via secure hosted or API-integrated checkout. Handles authorisation, 3D Secure authentication, tokenisation, and settlement routing for UK and EEA merchants.
• POS Solutions Point-of-sale suite for merchants requiring in-person card payment acceptance, including wireless/portable terminals, SoftPOS, and virtual terminal for manual card-not-present entry.
• CBD Payment Processing Specialist payment processing for CBD and cannabis-related product merchants, with underwritten merchant accounts and acquirer relationships tailored to the high-risk classification of this vertical.
• Forex Payment Processing Payment processing for forex and proprietary trading businesses, providing merchant accounts and payment gateway infrastructure configured for the compliance and acquiring requirements specific to this specialist category.
• Online Dating Payment Processing Payment processing for online dating platforms, providing tailored merchant accounts and gateway configuration to navigate card scheme monitoring and recurring payment compliance requirements.
• Adult Physical Goods Payment Processing Payment processing for adult physical goods merchants, addressing elevated scrutiny from card schemes and acquirers through vertical-specific acquiring relationships.
• Virtual Terminal Web-based terminal allowing merchants to manually key in card details for phone orders, mail orders, or in-person transactions processed through a computer or mobile device, with the same security controls as the online checkout.
• Pay by Link Secure payment URL sent to customers via email, SMS or messaging apps for remote sales, deposits, and invoice payments, enabling payment collection outside standard online checkout flows.
• SoftPOS Software-based point-of-sale solution that turns a standard NFC-enabled smartphone or tablet into a contactless card terminal, suited to field sales, pop-up locations, or in-person service teams without dedicated hardware.
• Recurring Billing Subscription and recurring payment billing module automating scheduled charges for memberships, instalment plans and repeat subscriptions, handling merchant-initiated transactions (MITs) and SCA requirements for initial authentication.
• Merchant Support Portal Online self-service portal for existing merchant clients to access accounts, view transaction dashboards, manage disputes, monitor chargebacks and generate payment reports.
• Fraud and Risk Management Risk management and compliance advisory service including chargeback reduction strategies, regulatory guidance, TC40/SAFE fraud report management, dispute management, and VAMP monitoring for specialist category merchants.
• Payment Consulting Expert advisory service helping merchants optimise payment infrastructure, improve approval ratios, and navigate scheme requirements, targeted at businesses with complex or specialist category payment needs.
• Bespoke Solutions Custom payment solutions tailored to merchants whose requirements extend beyond standard gateway integration, addressing unique business models, specialised verticals, or complex compliance needs.

Quantifiable outcome

• Up to 30% cart abandonment can be addressed through proper payment gateway configuration and multiple payment method support
• +1 more outcomes

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Checkout.com: Checkout.com is a global payment processor providing card acquiring, gateway, and orchestration services to enterprise merchants. It competes with Fibonatix at the upper end of the merchant spectrum while progressively expanding risk appetite into specialist verticals.
• Adyen: Adyen is a global enterprise payment platform providing unified online, in-person, and marketplace payments. It is comparable as a broad incumbent increasingly moving into higher-risk segments and overlapping with Fibonatix's multi-currency, omnichannel offering at the enterprise tier.
• Stripe: Stripe is a global broad PSP serving internet businesses of all sizes. It is relevant as a broad incumbent that increasingly competes for the higher end of Fibonatix's merchant profile while being structurally constrained on the highest-risk categories where Fibonatix specialises.
• Worldpay (FIS): Worldpay, owned by FIS, is one of the largest global merchant acquirers offering payment processing across online, in-person, and international channels. It is comparable as a broad incumbent whose high-risk processing division overlaps with Fibonatix's specialist vertical services.

Direct peers

• SegPay: SegPay is a specialist PSP focused on adult, dating, and subscription-based online merchants. Comparable to Fibonatix's dating and adult physical goods verticals, providing merchant accounts, gateway services, and chargeback management for similar high-risk subscription businesses.
• CCBill: CCBill is a US-based PSP specialising in adult content, online dating, and subscription-based merchants. It is one of the closest direct comparables to Fibonatix's online dating and adult physical goods verticals, providing merchant accounts and recurring billing for high-risk online businesses.
• Epoch (Epoch.com): Epoch is a specialist online payment processor focused on adult entertainment, online dating, and subscription billing. It is highly comparable to Fibonatix's dating and adult verticals, offering merchant accounts and recurring billing infrastructure for similar high-risk merchants.
• Cardinity: Cardinity is a Lithuania-based payment gateway and PSP serving online merchants across Europe, with a focus on high-risk and SME segments. It is directly comparable to Fibonatix as a regional European PSP offering card processing, recurring billing, and merchant accounts to similar merchant profiles.
• Easy Payment Gateway: Easy Payment Gateway is a UK/US-based PSP specialising in high-risk merchant accounts across verticals including CBD, adult, and forex. It directly competes with Fibonatix for the same high-risk merchant pool with comparable underwriting and processing services.
• SafeCharge (Nuvei): Nuvei (which acquired SafeCharge) is a global payment technology company with a strong high-risk and specialist vertical practice, including adult, gaming, forex, and CBD. It directly competes with Fibonatix in the specialist vertical acquiring space while operating at significantly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@fibonatix3954
• Facebookfacebook.com/fibonatix
• LinkedInlinkedin.com/company/fibonatix
• Instagraminstagram.com/fibonatix
• Xx.com/fibonatix

Compliance2 records

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 Fibonatix