← State of Embedded Finance 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

API versioning updated to v2025-06-01 with breaking changes to API key management, indicating active platform development.

2025-06

Published blog post positioning Super Credit against Klarna/Clearpay on zero merchant fees for BNPL.

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