UK FCA Authorised Payment Institution (API) for Sale: Money Remittance Business, 22+ Years Operating, Own Platform and Apps

Summary

An FCA Authorised Payment Institution for money remittance is available for acquisition. It has operated for more than 22 years and fully online for the past nine, with monthly volume of about £700,000 to £800,000 across Moldova, Nepal, Pakistan and about 70 other countries.

The sale includes its own payment platform with an Open API and native iOS and Android apps, multiple banking relationships including ClearBank, and five UK staff. Asking price £1,200,000 plus a £45,000 buyer's premium.

Description

Listed: 24 October 2026

An established FCA Authorised Payment Institution (API) for money remittance is available for acquisition. The business has operated for more than 22 years and has been fully online for the past nine. It comes with its own technology, working banking relationships, live corridors and a UK team.

Price

• Asking price: £1,200,000
• Buyer's premium: £45,000

Business

• FCA Authorised Payment Institution for money remittance
• Operating for over 22 years; fully online for the past nine years
• Monthly transaction volume of approximately £700,000 to £800,000
• Established corridors covering Moldova, Nepal, Pakistan and approximately 70 additional countries
• Five UK employees
• Ability to establish agents and physical branches

Banking and payment infrastructure

• Multiple operational banking relationships, including ClearBank
• Two safeguarding accounts and operational multi-currency accounts
• Additional payment infrastructure through UK EMI partners
• Integrated open-banking and acquiring providers, and virtual-account capabilities
• International payouts to Visa and Mastercard cards
• SEPA capability is planned but is not yet available

Technology

• Proprietary payment platform with an Open API
• Native iOS and Android applications
• Full ownership of the software and intellectual property

Regulatory and compliance

• Stated minimum regulatory capital requirement of £20,000
• Possibility of applying for additional payment-service permissions, subject to approval
• Seller reports a successfully completed AML/HMRC compliance audit and an established operational and compliance history

Operating costs

• Office costs of approximately £900 per month
• Total monthly operating expenses of approximately £25,000

Who this may suit

• Remittance and money transfer operators seeking a UK licence with live corridors
• Fintechs wanting an authorised UK payment institution with its own platform and apps
• Strategic and financial buyers seeking an operating business rather than a licence shell

Important

All figures and details are as stated by the seller and must be verified during due diligence. Any change in control of an FCA-authorised firm requires FCA approval. The seller's identity, company name and records are disclosed only to qualified buyers after screening and a signed NDA.

This listing is managed by DealHarbor on the seller's behalf.