Mindful
We build risk, compliance and performance into the process from day one, giving you greater clarity and control.
Where bold ideas meet flawless precision - experience the future of payments today.
MADFIN is an FCA-authorised Electronic Money Institution based in London, built on a distinctly ambitious mindset. As a Principal Member of Visa and Mastercard, we keep payments direct, controlled and ready to move.
Serious About Finance
Mad About How It's Done
Payments demand precision. Business demands momentum. MADFIN brings both together through regulated infrastructure, direct thinking and an ambition to make acquiring work harder for every client.
Ambitious
Settling for what we have is not an option. There is always a next move, and we are already making it.
Direct
Clear communication and visible processes mean faster answers, fewer layers and less time lost along the way.
Built For Payments Engineered For Momentum
From the first authorisation to final settlement, MADFIN keeps the entire payment flow seamless, connected and always moving.
Card Acquiring
MADFIN connects your business to the payment ecosystem, processes each transaction and settles funds to your merchant account.
- Payment acceptance: Reach customers across supported markets and currencies through one acquiring setup.
- Built for conversion: Reduce payment friction and help more legitimate transactions reach approval.
Transaction Processing
Every card payment moves through authorisation, clearing and settlement. MADFIN manages the full transaction journey, keeping payment activity stable, visible and under control as volumes grow.
- End-to-end processing: Manage the complete payment flow from the first authorisation request to final settlement.
- Ready for volume: Infrastructure built to support increasing transaction activity without losing performance or continuity.
Risk & Compliance
Compliance is built into the acquiring setup from day one. MADFIN combines automated controls with human oversight to assess merchants, monitor transactions and identify risk before it becomes expensive.
- Merchant due diligence: KYC, KYB, CDD and EDD procedures support onboarding and ongoing merchant assessment.
- Transaction monitoring: Automated and manual reviews help detect unusual activity, support AML obligations and protect payment operations.
Business Accounts
Dedicated accounts for receiving, holding and moving business funds across markets. Built to keep transfers, balances and daily financial operations in one clear, controlled setup.
- Dedicated IBAN: Receive funds in your company's name and keep business payments clearly structured.
- SEPA & SWIFT transfers: Send and receive payments across local and international markets through established payment rails.
Open Banking
Give customers a direct way to pay from their bank accounts. Open Banking connects checkout to their bank, keeping payments straightforward and putting customers in control.
- Pay by bank: Customers select their bank and approve the payment without entering card details. Fewer steps between choosing and paying.
- Bank-level authentication: Each payment is authorised through the customer's bank, with security checks built into the payment flow.
Approved by authorities
built for business
Licences, scheme access and operational precision. Because credibility should come with evidence.
MASTERCARD & VISA PRINCIPAL MEMBERSHIP
Direct scheme access gives us greater control over how payments are processed and delivered.
DIRECT ACCESS TO EXPERTS
You work with experienced specialists across payments, risk, compliance and financial operations.
FULLY FCA-LICENSED
FCA authorisation gives us the structure and oversight to operate with confidence.
SCALABILITY BUILT IN
Ready for higher volumes, new markets and more demanding payment operations as your business grows.
TOP-TIER SECURITY
Compliance, AML and safeguarding work behind every transaction, keeping funds protected and activity under control.
Accept Card Payments Seamlessly
Card acquiring turns a customer's card payment into funds received by your business quickly, securely and without unnecessary complexity.
[ 1 ]Cardholder makes a payment
The cardholder enters their card details, taps a card or uses a digital wallet to pay through your website or app.
[ 2 ]Merchant request
Your payment system securely passes the transaction details to MADFIN. The request is prepared for processing and sent into the wider card payment network.
[ 3 ]MADFIN processes
We route the payment through the relevant card network, such as Visa or Mastercard, and coordinate the transaction between your business and the customer's bank.
[ 4 ]Authorisation
The customer's bank verifies the card, available funds and security checks, then approves or declines the transaction. The response travels back through the network in seconds.
[ 5 ]Settlement
Approved transactions move through clearing and settlement. Funds are transferred through the payment ecosystem and settled to your merchant account.
Why MAD matters?
Our kind of madness is simple: challenge the standard, sharpen every detail and keep payments moving forward.
MADNESS
MADNESS
Frequently Asked Questions
Find answers to common questions about our services.
Card acquiring is a service that enables businesses to accept credit and debit card payments. An acquirer works with card networks and customers’ banks to process transactions and settle funds into the merchant’s account. MADFIN provides online card acquiring, helping businesses accept payments through their website or app.
Yes. As a Principal Member of Visa and Mastercard, MADFIN works directly with both card networks to provide online card acquiring. Your business can accept Visa and Mastercard payments, plus Apple Pay and Google Pay, all under one roof.
Our merchants include businesses in retail, SaaS, travel, education and professional services, where transparent operations and regulatory compliance are essential. We assess each application on its own merits, looking at how the business operates, where it’s based and its payment history to evaluate risk.
We take a bold approach to payments and a serious approach to regulation. MADFIN TECH LTD is a London-based Electronic Money Institution, authorised and regulated by the UK’s Financial Conduct Authority (FCA) under reference number 901017.
View our regulatory details.
Contact us to find the best fintech service tailored just for your business needs!