“Can a UK quick-service bagel chain unify payments and operations infrastructure to support rapid multi-site national expansion?”
Bagel Factory is the largest quick-service bagel chain in the UK, operating over 35 locations. The chain has expanded from a single-site food-service operation to a multi-location quick-service restaurant (QSR) brand. In 2025, it partnered with Rapyd to unify payment processing across all UK sites, signalling a move toward centralised financial infrastructure to support further national growth.
Bagel Factory processes payments through Rapyd.
Bagel Factory uses Rapyd for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 2 layers in Bagel Factory's stack: Payments / PSP (Rapyd); FX & payouts (Rapyd).
Bagel Factory is headquartered in 169 Belgrave Gate, Leicester LE1 3HS, United Kingdom.
Get a read on where your own stack stands against Bagel Factory and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.