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Adflex

“Can a specialist B2B card processor own the commercial-card and supplier-enablement rails that generic consumer PSPs underserve?”

Founded2001
HQBrentwood, Essex, United Kingdom
FoundersPat Bermingham
IndustryInfrastructure / Payments
The story

Adflex was founded in 2001 by former music producer Pat Bermingham as a B2B card payments processor. It operates a UK-based gateway and platform connecting buyers, suppliers, issuers and merchants for commercial card, debit and credit card acceptance, with specialist focus on supplier enablement, straight-through processing and enhanced data for commercial cards.

Last 12 months
2026-08
Product timeline
2001
Pat Bermingham founds Adflex as a B2B payments processor in the UK.· pivot
The stack
1 layer disclosed in Adflex’s embedded-finance stack
Payments / PSP
Adflex (self-operated)
Accounting gap: minor

Adflex — frequently asked

Who is Adflex's payment processor?

Adflex processes payments through Adflex (self-operated).

Who founded Adflex?

Adflex was founded by Pat Bermingham and is founded in 2001, headquartered in Brentwood, Essex, United Kingdom.

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