UK SMALL PAYMENT INSTITUTIONS (SPI)

Your Complete Payment Infrastructure. Delivered.

White-label client web portals, iOS and Android apps, multi-rail payment processing, automated FCA-aligned RegTech, and global distribution networks — deployed in weeks.

REGULATORY REALITY

You Hold the Licence. But the Market Does Not Wait.

Securing FCA registration is an immense milestone. However, high software development costs and fragmented vendors can stall your time-to-revenue.

CAPEX

Soaring Tech Costs

Custom app dev, PCI compliance, and cloud hosting can cost over £500,000 before your first transaction.

FRAGMENTATION

Siloed Vendors

Contracting separate providers for KYC, card issuing, bank rails, and back office creates integration gridlock.

VELOCITY

Fast-Moving Competitors

VC-funded neobanks launch rapidly, capturing customer market share while your engineering build lags.

ACQUISITION

Distribution Bottlenecks

Without retail agent software or a polished digital UX, client acquisition costs become unsustainable.

TURNKEY CAPABILITIES

A Complete Platform Under Your Brand

Full technology stack — pre-integrated, white-labeled, and FCA compliance-ready.

MODULE 01

Branded Web Portal

Client portal on your domain with your logo, colors, and responsive self-service onboarding.

MODULE 02

Native iOS & Android Apps

Published under your App Store accounts with biometric auth, push notifications, and card spend.

MODULE 03

Compliance Workbench

Automated identity verification, PEP/sanctions screening, and FCA regulatory reporting logs.

MODULE 04

Affiliate & Agent Mesh

Manage retail branch networks, field agents, sub-ledger commission splits, and POS terminals.

MODULE 05

APIverse Gateway

Single token-secured RESTful middleware orchestrating bank rails, card issuing, and FX engines.

MODULE 06

Corporate Personas

Support corporate clients with multi-signatory approvals, bulk payroll runs, and invoice clearing.

AUTOMATED EXECUTION

Zero-Touch Transaction Pipeline

Pre-integrated with RegTech and liquidity partners. Every phase triggers the next autonomously.

PHASE 01
Register
Digital application
PHASE 02
Auto KYC
Biometric scan
PHASE 03
Activate
Virtual IBAN issued
PHASE 04
Collect
Direct bank / card pay
PHASE 05
Reconcile
Ledger matching
PHASE 06
Payout
Instant local clearing
FCA COMPLIANT & PRODUCTION READY

You Secured the Licence. We Built the Platform.

Launch your SPI digital presence and begin onboarding clients in under three weeks.