Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 2 categories.
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Founded in 2010 as a UK card acquirer and gateway for SMEs, Cashflows is FCA-authorised as an Electronic Money Institution and holds Principal Membership of both Visa Europe and Mastercard Europe. Owned by Pollen Street Capital since 2016, the company has evolved beyond pure acquiring toward a 'Licensing as a Service' model, aiming to help software platforms and payment facilitators access acquiring and licensing infrastructure without building it themselves. The Brexit-driven loss of EEA passporting in 2021 narrowed its geographic focus to the UK, pushing the company to compete on product depth — Anytime Settlement, Network Tokens, Account Updater — and now partner-channel distribution via Cardstream.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/cashflows/install" width="1" height="1" alt="" style="display:none">2 companies are linked to Cashflows in the Embedded Finance Index 2026, through their own public disclosures or Cashflows's published customer list, including Judopay and Takepayments.
Cashflows is an embedded-finance provider in Lending and PSP. It ranks #179 of 254 Lending providers by linked companies.
The most-named Lending alternatives to Cashflows are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Cashflows is founded in 2010 and headquartered in London, UK (also Cambridge, CB21 5XE).
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