← Embedded Finance Index 2026

Super Payments

“Can a payment network that charges merchants 0% by monetising advertising and credit referrals displace traditional card-acquirer economics in UK e-commerce?”

Founded2022
HQLondon, United Kingdom
Total raised~$100 million
IndustryFintech / Cross-border payments
The story

Founded as a UK payment network built around the proposition of 0% processing fees for merchants, Super Payments earns revenue via advertising, a BNPL credit referral commission from Abound, and optional paid add-ons rather than transaction charges. The company built its stack on top of Stripe (card acquiring), Yapily (open banking PIS), and Modulr (e-money / business accounts) rather than obtaining its own EMI licence. The introduction of Super Credit (BNPL) in 2024 deepened the consumer engagement loop, making Super a loyalty-and-payments network rather than a pure payments processor.

Last 12 months
2026-04
2025-06
2025-06
Product timeline
2022
Super Payments Limited incorporated in England & Wales (company number 13903817) as a free payment network for UK businesses.· pivot
2023
Launched open banking payments powered by Yapily and Modulr, enabling 0% fee bank transfers at checkout.· banking
2024
Added card payments (Visa, Mastercard, Apple Pay, Google Pay) powered by Stripe at 0% processing fee for merchants.· card
2024
Launched Super Credit (BNPL) via Abound (Fintern Ltd) partnership, offering Pay in 3 interest-free and longer-term plans with zero cost to merchants.· lending
2025
Announced processing over $1 billion annually, growing 4x year-on-year with 3 million UK customers.· pivot
2026
Raised cumulative ~$100 million; stated goal of reaching $1 trillion in annual payments within 10 years.· pivot
Regulated entities
1
regulatory licence held by Super Payments
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Super Payments’s embedded-finance stack
Payments / PSP
Stripe
Banking / BaaS
in the full report
Ledger
in the full report
Lending
in the full report
Open banking
in the full report
Accounting gap: significant
6 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.