“Can Judopay, backed by Fabrick's open-finance ecosystem, expand from mobile card acquiring into a full-stack embedded payments and lending platform for UK and European SME verticals?”
Founded in 2012 as a mobile-first card payments solution for UK merchants, Judopay carved a niche in fast, secure mobile acquiring. The company was acquired by Italian open finance platform Fabrick S.p.A. (Banca Sella Group), embedding it within a broader European fintech ecosystem. In 2024 Judopay expanded beyond pure payments by integrating Cashflows Advance, adding embedded merchant lending to its offering and positioning itself as a fuller financial stack for SMEs in sectors like taxi, parking, and hospitality.
Judopay processes payments through Judopay (self-operated) and Nuvei.
Judopay's lending and capital products are provided by Cashflows.
The Embedded Finance Index 2026 maps 2 layers in Judopay's stack: Payments / PSP (Judopay (self-operated) and Nuvei); Lending (Cashflows and Cashflows Advance).
Judopay is founded in 2012 and headquartered in London, United Kingdom.
Judopay has raised $22.7M in total.
Get a read on where your own stack stands against Judopay 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.