BOPP

What BOPP does

BOPP, the trading name of Mia Pago Limited (a London-based private limited company registered in England and Wales, No. 11263859, founded 2017), operates an Open Banking payments platform that enables instant bank-to-bank ("Pay by Bank") transfers via QR codes and secure Paylinks. The company serves UK bank account holders and is regulated by the Financial Conduct Authority as an Authorised Payment Institution (Financial Services Register number 826380), authorised to provide payment initiation (PISP) and account information (AISP) services. It targets small businesses, charities and non-profits, community groups (including PTAs), e-commerce merchants, and individual consumers, connecting to all major UK banks including Barclays, Lloyds, Santander, NatWest, HSBC, Monzo, and Revolut.

The product portfolio comprises the BOPP App (a mobile point-of-sale solution for iOS and Android), BOPP Checkout (an e-commerce payment gateway), BOPP Paylinks (customisable payment links shareable via email, SMS, or WhatsApp), BOPP Poster Maker (QR-code posters for in-person collections), BOPP Dashboard (payment management and campaign tracking), and BOPP Wallet (PISP/AISP services). The platform is built on Open Banking infrastructure with blockchain and decentralised technology incorporated for security and privacy, and offers an API (documented at developer.bopp.io) with JavaScript SDK, self-service API keys, and no-code integrations into accounting platforms (Xero, QuickBooks, Zoho, Pandle, FreeAgent, KashFlow) and workflow tools (Zapier, Google Sheets, Slack, Bubble, IFTTT).

BOPP monetises through business transaction fees (0.5% per transaction, 5p minimum / 50p maximum), a £10/month Value Bundle subscription including £5,000 of free monthly transactions, and BOPP Checkout API licensing; personal peer-to-peer payments are free, supporting network adoption. Go-to-market combines product-led growth (30-day free trial, self-serve signup), direct sales via demo bookings (Zoho Bookings), an API-first developer motion, and channel partnerships with MyT (small businesses), ParentKind (PTAs), and Charity Digital (charities). The company has no disclosed funding rounds and appears self-funded, employing 11-50 people (stated 30+).

Name

BOPP

Legal name

Mia Pago Limited

Website

https://bopp.io

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

BOPP is a London-based, FCA-regulated Open Banking payments platform enabling instant bank-to-bank "Pay by Bank" transfers via QR codes and Paylinks, serving UK small businesses, charities, community groups, e-commerce merchants, and individual consumers.

Ownership category

akta.pro rank

Product category

Open Banking Payment Platform

SIC

Finance Services (6199)

akta.pro primary industry

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

akta.pro secondary industries

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

Keywords

• Open Banking payments
• Pay by Bank
• Instant bank transfers
• Payment platform
• QR code payments

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Business Transaction Fees: Business users pay transaction fees on payments received through BOPP. Pay As You Go plan charges 0.5% per transaction with a 5p minimum and 50p maximum fee. The Value Bundle includes £5,000 of free transactions per month for £10/month, with 0.5% fee for amounts above that threshold.
2. Monthly Subscription (Value Bundle): Business users can subscribe to the Value Bundle plan at £10 per month, which includes £5,000 of free transactions monthly and 0.5% fee for additional volume. This provides predictable recurring revenue.
3. BOPP Checkout API Licensing: E-commerce merchants integrating BOPP Checkout pay fees according to published pricing plans. API keys are issued upon subscription to appropriate pricing tiers.
4. Personal User Services (Free): Personal users receive free payments with no charges for making or receiving payments. This free tier supports network growth and adoption without direct revenue generation.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels6 records

Core offering

BOPP provides an FCA-regulated Open Banking payment platform that lets UK businesses and individuals send and receive instant bank-to-bank transfers without cards. Its core offerings include BOPP Paylinks (customisable payment links shared via email, SMS, or WhatsApp), QR code payments for in-person transactions, and BOPP Checkout for online e-commerce integration. Businesses pay per-transaction fees or a monthly subscription, while personal use is free.

Product overview

BOPP is an Open Banking payment platform that enables instant bank-to-bank transfers via QR codes and secure Paylinks. The product portfolio consists of the BOPP App (mobile POS solution), BOPP Checkout (e-commerce integration), BOPP Paylinks (customisable payment links), BOPP Poster Maker (poster creation tool), BOPP Dashboard (payment management), and BOPP Wallet (PISP/AISP services). The platform serves both business users (with pricing tiers including Starter, Pay As You Go, and Value Bundle plans) and personal users (free for personal transactions). Key differentiators include no card fees, no chargebacks, instant settlement, and FCA regulation.

Differentiator

Problem solved

Functional benefit

Products and services

• BOPP App Mobile application (iOS and Android) that allows UK businesses and individuals to create and share Paylinks, generate QR codes, and manage payment requests. Used as a card-reader-free mobile point of sale for in-person bank-to-bank payments.
• BOPP Checkout Online payment gateway that lets e-commerce merchants add a Pay By Bank checkout option to their websites and shopping carts, letting customers pay directly from their bank app without entering card details.
• BOPP Paylinks Customisable, secure payment links that businesses and individuals can share via email, SMS, WhatsApp, or invoice, letting the recipient authorise a bank-to-bank payment from their bank app with fixed or open amounts.
• BOPP Poster Maker Online template-based tool that lets users (typically charities and community groups) design printable posters with an embedded BOPP QR code for collecting in-person donations or payments.
• BOPP Dashboard Web-based management dashboard where users create payment requests, review transaction history, track campaign performance, and monitor which QR codes and Paylinks generate the most revenue.
• BOPP Wallet Wallet software that supports Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP) capabilities, enabling users to initiate payments and view bank account details and transaction information.

Quantifiable outcome

• Eliminates card fraud risk - Over £620M was lost due to fraud in the UK
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core.

• MyTcoreChannel Partner/ Reseller/ DistributorBOPP is delighted to be working with MyT to enable thousands of small businesses to accept digital payments. Using BOPP and MyT, small businesses can get paid quicker and cheaper using their existing bank accounts without the hassle of card machines.
• ParentKindcoreChannel Partner/ Reseller/ DistributorParentKind joins the thousands of PTAs up and down the country that can now accept digital payments using BOPP. This partnership targets the parent-teacher association market for fundraising and subscription collection.
• Charity DigitalcoreChannel Partner/ Reseller/ DistributorBOPP is positioned as the new way for charities and non-profits to replace cash donations and avoid card processing fees. Charity Digital partnership enables digital donation capture with Gift Aid collection and marketing data capabilities.
• XerocoreTechnology or IntegrationBOPP integrates with Xero accounting platform for seamless invoice payment. Users can set up BOPP as the main payment method on Xero in minutes, allowing clients to pay invoices via Paylink directly from their bank app.
• QuickBookscoreTechnology or IntegrationBOPP integrates with QuickBooks for invoice payment integration. Setup guide available for QuickBooks users to enable BOPP as a payment method on invoices.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• TrueLayer: TrueLayer is a UK-based open banking payments platform offering A2A, pay-by-bank and PISP/AISP services to merchants and PSPs. It is the most direct UK competitor to BOPP, serving overlapping merchants with similar APIs and PISP-licensed instant bank payments.
• Yapily: Yapily provides an open banking connectivity and payment initiation API used by UK and European merchants and fintechs. Its PISP/AISP service and bank connectivity place it in direct competition with BOPP for SMB and enterprise merchant integrations.
• Volt: Volt is a UK-built open banking payments network providing A2A payment initiation for merchants and PSPs. It targets the same UK and European merchants as BOPP with pay-by-bank checkout and instant settlement services.
• Token.io: Token.io is a UK-regulated PISP offering open banking payment initiation and account information services to banks and merchants. It overlaps directly with BOPP's PISP/AISP wallet and merchant payment services in the UK market.

Broad incumbents

• Stripe: Stripe is a global payments incumbent offering card processing, wallets and increasingly A2A options (including UK open banking) to e-commerce merchants. BOPP Checkout competes head-to-head with Stripe Checkout for UK online merchants but Stripe is a much broader portfolio player.
• SumUp: SumUp provides card readers and POS payment solutions to UK SMBs. BOPP's QR-code mPOS competes with SumUp for in-person payments at small businesses seeking lower-cost alternatives to card terminals.
• Checkout.com: Checkout.com is a global payments processor serving enterprise merchants with card and alternative payment methods including open banking. It is comparable to BOPP Checkout as an enterprise-grade UK payment service provider.
• GoCardless: GoCardless is a UK-established direct debit and recurring payments provider with growing pay-by-bank offerings, serving SMBs and enterprises via accounting platform integrations. It overlaps with BOPP on bank-direct payments and UK SMB merchant acquisition via Xero/QuickBooks channels.
• Zettle by PayPal: Zettle (owned by PayPal) offers mobile card readers and POS software for SMBs in the UK and Europe. It competes with BOPP's mPOS and QR-based payment offerings for in-person small business payments.

Emerging players

• Open Banking Ltd (OBL) ecosystem players (e.g. Ordo, Portify Pay): Smaller UK A2A and open-banking-native fintechs leverage the OBL standards to offer pay-by-bank and request-to-pay services. They compete with BOPP on SMB-focused pay-by-bank use cases and request-to-pay rails.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bopppayments
• Facebookfacebook.com/BoppPayments
• LinkedInlinkedin.com/company/bopp

Compliance1 record

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 BOPP