Financial House

Name

Financial House

Legal name

Financial House Limited

Website

https://financialhouse.io

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Credit Card Issuing (52221)

SIC

Finance Services (6199)

akta.pro primary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

akta.pro secondary industries

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Payment processing services
• Merchant acquiring solutions
• Card issuing services
• Virtual IBAN accounts
• Electronic money institution

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Merchant Acquiring Services: Revenue generated from payment processing services enabling merchants to accept card payments (Visa, Mastercard, UnionPay) globally through their platform. Typically structured as transaction/usage-based fees.
2. Card Issuing Solutions: Revenue from issuing prepaid, gift, and debit cards (virtual and physical) under Visa, Mastercard, and UnionPay International. Financial House acts as a principal member of these networks.
3. Virtual IBAN Account Services: Revenue from providing dedicated virtual GBP and EUR accounts with up to 5 sub-IBANs, enabling local and international transactions for business clients.
4. API Access and Integration Services: Revenue from providing API access to payment networks under partner or own branding, serving ISOs and business partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Financial House is an FCA-regulated Electronic Money Institution that delivers merchant acquiring, card issuing, and virtual IBAN account services through a single PCI-DSS Level 1 Certified API platform. The company enables UK businesses and partners (including Independent Sales Organizations) to accept global card payments via Visa, Mastercard, and UnionPay, issue branded prepaid, gift, and debit cards, and operate dedicated GBP and EUR virtual accounts with sub-IBANs. Coverage spans 90+ countries through its principal memberships and network of payment partners.

Product overview

Financial House is a unified financial services platform offering merchant acquiring, card issuing, and virtual IBAN solutions through a single API connection. The core product portfolio consists of Card Acquiring Solutions (enabling acceptance of Visa, Mastercard, and UnionPay payments globally), Card Issuing (providing virtual and physical prepaid, gift, and debit cards under principal membership), and IBAN Solutions (including IBAN Direct with sub-IBAN capability and branded virtual accounts). Additional services include Anti Fraud Services with expert compliance support and Transaction Monitoring dashboards. All solutions are built on a PCI-DSS Level 1 Certified platform serving businesses across 90+ countries.

Differentiator

Problem solved

Functional benefit

Products and services

• Card Acquiring Solutions Merchant acquiring service that enables businesses to integrate Visa, Mastercard, and UnionPay into their websites to accept global card transactions securely through a single API, with support for secure offline payment links.
• Card Issuing Branded prepaid, gift, and debit card issuance (virtual or physical) offered as a principal member of Visa, Mastercard, and UnionPay International, provided to businesses to distribute to their own customers.
• IBAN Direct Dynamic virtual account solution providing up to 5 sub-IBANs in GBP and EUR, enabling businesses to conduct local and international transactions with dedicated account numbers.
• IBAN Solutions Virtual GBP and EUR accounts delivered under the customer's own branding, integrated via API for seamless access to major payment networks.
• Anti Fraud Services Anti-fraud team providing expert legal and compliance services to help companies navigate the UK's regulatory landscape, ensuring compliance with FCA regulations and the APP Fraud Reimbursement Scheme.

Quantifiable outcome

• Serving over 90 countries and territories through jurisdiction and network of partners
• +1 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• VisacoreTechnology or IntegrationFinancial House is a principal member of Visa, enabling the company to issue Visa-branded prepaid, gift, and debit cards (virtual and physical) and facilitate Visa payment acceptance globally.
• MastercardcoreTechnology or IntegrationPrincipal membership with Mastercard allows Financial House to offer Mastercard card issuing capabilities and payment processing for merchants accepting Mastercard payments.
• UnionPay InternationalcoreTechnology or IntegrationPartnership enables Financial House to provide card issuing and payment acceptance for UnionPay cards, expanding coverage particularly in Asia and emerging markets.
• Pay.UKcoreTechnology or IntegrationFinancial House is registered with Pay.UK as a Payment Service Provider (PSP), enabling participation in UK payment schemes including Faster Payments System (FPS) and processing of APP Fraud Reimbursement claims.
• Banking Partners (Segregated Accounts)coreOthersFunds are safeguarded in separate segregated accounts at vetted banks in accordance with Electronic Money Regulations 2011, ensuring customer funds are protected in the event of Financial House's insolvency.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Stripe: Stripe operates a global API-first payments platform offering merchant acquiring, Stripe Issuing for card programmes, and Treasury/financial accounts — directly comparable to Financial House's API-driven acquiring, issuing, and IBAN stack.
• Adyen: Adyen is a global principal member acquirer offering unified payments, card issuing, and multi-currency accounts through a single API — directly comparable to Financial House's single-API acquiring + issuing + IBAN proposition for enterprise merchants.
• Checkout.com: Checkout.com is a UK-headquartered global payment processor offering acquiring, issuing, and banking-as-a-service APIs, competing head-to-head with Financial House in the EMEA merchant acquiring and embedded finance market.
• Marqeta: Marqeta is a card-issuing API platform enabling businesses to launch prepaid, debit, and credit card programmes — directly comparable to Financial House's principal-member card issuing service.
• Mollie: Mollie is a European payment service provider offering multi-method acquiring and merchant services through a single API — directly comparable to Financial House's API-first payment acceptance targeting UK and European SMBs.
• SumUp: SumUp is a UK-headquartered merchant acquirer offering card acceptance and integrated financial services to SMBs — comparable to Financial House's UK-focused merchant acquiring and IBAN proposition.
• Nuvei: Nuvei is a global payment technology platform offering acquiring, card issuing, and banking-as-a-service for ISVs and merchants — closely comparable to Financial House's full-stack API payment platform.
• Currencycloud: Currencycloud (part of Visa) provides cross-border B2B payments, virtual accounts/IBANs, and FX infrastructure via API — directly comparable to Financial House's IBAN Direct and multi-currency payout capabilities.

Broad incumbents

• Worldpay: Worldpay is a global incumbent merchant acquirer and payments processor with broad omnichannel capabilities — overlapping with Financial House's card acquiring but at much larger scale and with a wider product portfolio.
• Revolut Business: Revolut Business offers multi-currency accounts, card issuing, and merchant payment acceptance as part of a broader consumer fintech platform — comparable to Financial House's IBAN and issuing products but within a much wider retail fintech ecosystem.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/financialhouse

Compliance3 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 Financial House