Pollen Technologies

What Pollen Technologies does

Pollen Technologies Ltd is a UK-based FinTech company founded in 2014 that provides a fully managed, no-code white-label platform enabling SMEs to launch their own branded financial services without building underlying infrastructure. The platform consolidates programmatic payment delivery, instant named IBAN opening, third-party bank account linking, multi-currency trading across 148 currencies, payment reach to 160+ countries via local schemes, and forthcoming virtual and physical card issuance with Apple Pay and Google Pay connectivity. All compliance, KYC/AML, help desk, and transaction monitoring are bundled into SLA-backed managed services, positioning Pollen as a turnkey embedded finance provider rather than a point-solution vendor.

The company is authorised by the UK Financial Conduct Authority under the Payment Service Regulations 2017 (firm reference number 768011) and delivers regulated services through partnerships with Equals Money Plc (FCA FRN 488396) for payment institution services and via an agency arrangement with PayrNet Limited (FCA 900594) for electronic money and IBAN issuance. Technology is hosted on AWS cloud infrastructure, with Zendesk used for customer support and GDPR-compliant data residency in the UK. The company is registered in England and Wales (company number 09045714), holds an ICO registration (ZA210112), and operates from a London correspondence address with a registered address in Cheshire.

Pollen generates revenue through white-label platform licensing and managed-service fees, supplemented by transaction processing fees and currency conversion margins on cross-border payments. Distribution is indirect and OEM/embedded: partners such as Travelex Business Solutions, ETZ Payments, Procorre, and Generate FS license and rebrand the platform under their own identity, serving end customers in FX, supply chain, and professional services. The company is privately held with 11-50 employees, no disclosed institutional funding, and a consultation-driven sales motion conducted via website contact and brochure-download forms.

Name

Pollen Technologies

Legal name

Pollen Technologies Ltd

Website

https://pollentechnologies.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Pollen Technologies Ltd is a UK FCA-authorized FinTech company offering a fully managed white-label platform that enables SMEs to launch branded payment and banking services, including multi-currency support, IBAN issuance, and compliance across 160+ countries.

Ownership category

akta.pro rank

Product category

Payment Infrastructure Software

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• White-label fintech platform
• Payment infrastructure software
• Multi-currency payments
• Embedded banking solutions
• Open banking platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. White-label Platform Licensing: Pollen provides a fully managed white-label FinTech platform to businesses, who rebrand and resell the services under their own brand. Revenue is derived from platform licensing and service fees.
2. Transaction Processing: The platform processes payments, currency exchanges, and fund transfers globally, generating revenue through transaction fees and currency conversion margins.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Pollen Technologies provides a fully managed, no-code white-label FinTech platform that enables SMEs and enterprises to launch their own branded payment, banking, and currency services. The platform combines programmatic payment delivery, instant named IBAN issuance, multi-currency trading across 148 currencies to 160+ countries, third-party bank account linking, and virtual/physical card issuance, all wrapped in compliance, KYC/AML, and transaction monitoring backed by industry-leading SLAs.

Product overview

Pollen Technologies offers a single, unified whitelabel FinTech platform. The core platform provides businesses with the infrastructure to launch their own branded financial services, combining payment delivery automation, IBAN account management, multi-currency trading, bank account linking, and card issuance capabilities—all backed by fully managed services including help desk, KYC, AML compliance, and transaction monitoring with industry-leading SLAs.

Differentiator

Problem solved

Functional benefit

Products and services

• Whitelabel FinTech Platform

Named customers4 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• Equals Money PlccoreStrategic or Co-development PartnerPollen Technologies' regulated products and services are provided in partnership with Equals Money Plc. Equals Money Plc is authorised as a Payment Institution by the Financial Conduct Authority (FCA) with Firm Reference Number (FRN) 488396. This partnership enables Pollen to offer FCA-regulated payment services under their white-label platform.
• PayrNet LimitedcoreTechnology or IntegrationPollen Technologies Limited is an agent of PayrNet Limited for the issuing of GBP & EUR Virtual IBANs. PayrNet Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FCA reference 900594). This enables Pollen to provide named IBAN issuance services through their platform.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• Marqeta: US-listed card-issuing platform offering API-driven virtual and physical card programmes. Comparable on the card-issuance component of Pollen's roadmap but operates as a broader incumbent across enterprise issuing.
• Tide: UK SME-focused digital business account provider with invoicing and payments features. Comparable target customer (UK SMEs) but serves them directly rather than via white-label/embedded channels.
• Revolut Business: Large-scale digital bank offering multi-currency business accounts, payments and cards under its own brand. Comparable on multi-currency SME proposition but as a broader incumbent, not a white-label platform.
• Wise Business: Global multi-currency account provider for businesses and individuals at significant scale. Comparable on multi-currency infrastructure but operates as a broader incumbent rather than a B2B white-label partner.

Direct peers

• ClearBank: UK regulated clearing bank offering BaaS infrastructure including accounts, payments and embedded banking rails. Direct peer as a regulated infrastructure provider enabling partner-led embedded finance.
• Currencycloud: Visa-owned cross-border payments platform providing multi-currency wallets, IBANs and FX APIs to B2B and embedded-finance clients. Direct comparable to Pollen's multi-currency white-label offering.
• Griffin Bank: UK BaaS platform offering API-driven business accounts, compliance and payment infrastructure for fintechs. Direct peer given shared UK BaaS focus on regulated, white-label-capable infrastructure.
• Modulr: UK BaaS platform providing payments infrastructure, accounts and card issuing to fintechs and SMEs via API. Direct peer given shared FCA-regulated BaaS model targeting white-label integration.
• Equals Money Plc: UK FCA-authorised Payment Institution offering white-label payment accounts, FX and multi-currency solutions. Directly comparable to Pollen as a BaaS partner bank with overlapping capability stack; notably also Pollen's regulatory partner.
• Ebury: Santander-owned UK fintech providing multi-currency business accounts, FX and cross-border payments. Direct peer given overlapping multi-currency FX and business payment proposition for SMEs and partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Pollen Technologies