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Payment Services Businesses for Sale and Investment Opportunities

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Payment Services Company Investment Opportunity in Kolkata, India

Seeking Investment: Neo-banking startup to facilitate UPI payment in real-time across global currencies.
What we are: A multi-national currency cross-border payment system and neo-bank with no physical branches, offering real-time global settlement in multiple currencies. It serves as a UPI aggregator and collaborates with major banks, payment partners, and card brands. They use a secured token offering and provide multiple banking apps for seamless payments. A multi-national currency cross-border payment system enables real-time currency exchange and settlement for individuals and businesses across different countries. It offers instant currency conversion, and compliance with international regulations, and empowers users in global finance and trade. Business is yet to kick-start operations. Not required to be registered under SEBI. Revenue model for our multi-national currency cross-border payments system: 1. Transaction fees: Charge a small percentage or a flat fee on each transaction conducted through the platform. 2. Merchant services: Earn fees from businesses for payment processing, POS systems, and e-commerce integrations. 3. Subscription plans: Offer premium or subscription-based plans for individual users and businesses, providing added features for a fee. 4. Interchange fees: Earn a portion of the interchange fees paid by merchants' banks for processing card transactions. 5. Currency conversion fees: Charge fees or markups on foreign exchange rates for international transactions and currency conversion. 6. Lending and credit services: Offer lending and credit products, earning interest and fees. 7. Investment and wealth management: Provide investment and wealth management services, earning fees based on assets under management and transaction fees. 8. Data monetization: Analyze transaction data and user behaviour, monetizing data by selling aggregated and anonymized information to third parties. 9. Partnerships and affiliates: Earn referral fees or commissions through partnerships with other businesses. 10. API access fees: Offer APIs for integration and charge usage-based fees or licensing fees. 11. Cross-selling financial products: Cross-sell other financial products like insurance or prepaid cards, earning commissions or fees. 12. Ad revenue: Display advertisements within the platform and earn revenue from advertisers. Neo-bank. A neobank, or digital bank, is a fintech company that operates solely online or through mobile apps, lacking physical branches. Neobanks focus on enhancing customer experiences by leveraging technology to streamline operations, lower costs, and offer a wide range of financial services. They often target specific niches or customer segments and can collaborate with traditional financial institutions. Key characteristics include: - Online-only operation. - Technological emphasis on convenience and efficiency. - Services like savings accounts, payment processing, lending, and budgeting tools. - Accessibility, user-friendly interfaces. Revenue model for our neo-bank: 1. Net interest margin (NIM): Generate revenue by lending deposits held in customer accounts, earning interest on loans. 2. Lending services: Offer personal loans, consumer credit, or small business loans and earn revenue from interest rates and associated fees. 3. Deposit fees: Charge fees for specific services like overdraft protection, wire transfers, or expedited card replacement. 4. Subscription plans: Provide premium or subscription-based plans with added features for a fee. 5. Card issuance and usage fees: Earn fees from card issuance, usage fees, and foreign exchange fees. 6. Merchant services: Offer payment processing and POS solutions to businesses and charge fees. 7. Investment services: Offer investment products and earn revenue through trading commissions and asset management fees. 8. Currency conversion fees: Charge fees or apply a markup on foreign exchange rates. 9. Partner commissions: Earn commissions for facilitating partnerships with fintech companies. 10. Cross-selling financial products: Promote and sell other financial products and earn commissions or referral fees. 11. Data monetization: Analyze customer transaction data and provide insights to businesses, generating revenue. 12. Affiliate marketing: Participate in affiliate marketing programs and earn commissions for referrals. 13. Interchange fees: Earn a portion of the interchange fees paid by merchants for processing card transactions. 14. ATM access fees: Charge fees for ATM cash withdrawals at out-of-network ATMs.
Seeking Investment: Neo-banking startup to facilitate UPI payment in real-time across global currencies.
7.4   Kolkata
Run Rate Sales
Nil
EBITDA Margin
Nil
Financial Investment
USD 600 K for 5%
Contact Business

Payment Service Sales Partner Opportunity

ITIO Innovex, Established in 2015, 35 Sales Partners, Ghaziabad Headquartered
  • 10+ introductions
  • 1000+ Page Views
  • 400+ Investor Views
ITIO Innoved offers state of the art for payment gateway business. We have the software ready to help sales partner launch their own payment gateway business using our technology at the backend. The sales partner will refrain from investing in creating the technology from scratch and hiring top talent at annoying pay demand. Sales partner can start their own payment gateway business with white-label software. Please note: A. We are a software company offering white-label software, which does not include the acquiring facility which allows the sales partner to accept the payment methods. The sales partner needs to check with the bank/acquirer for the same. B. We do not offer permission from the related regulatory body. Consult with a lawyer for the exact regulatory requirements of this business in the country. You may require legal obligations before launching the payment gateway business. C. ITIO Innovex does not control the fund flow between you and your bank/acquirer. We only act as a software vendor. D. To use this software, You must have experience in the merchant service/payment gateway business. E. ITIO Innovex reserves the right to accept or reject the offer anytime before signing MOU.
ITIO Innovex, Established in 2015, 35 Sales Partners, Ghaziabad Headquartered
8.5   Expanding in Africa
Exp Monthly Sales
USD 2.5 thousand
Space Required
0 - 100 Sq Ft
Investment Required
USD 0 - 2.5 K
Contact Company

Newly Established Payment Services Business Investment Opportunity in Dubai, United Arab Emirates

Merchant solution to accept crypto payments in various businesses.
At this stage, from a technical perspective, we are prepared and have tested some marketing strategies, and have a strong team supporting it. Our company is fully equipped for scaling and improving current results. - Researched the legal side of accepting cryptocurrency payments for our group of companies, assessed risks and opportunities, conducted competitor analysis, and developed a business plan. - Developed and tested the platform and web interface for accepting cryptocurrency payments (web POS). - Pushed the system into offline businesses in Dubai, including restaurants, car rentals, private jet charters, beauty salons, and real estate agencies, and created real test cases. - Designed the product and created marketing materials. - Tested advertising in Dubai and received more than 120 requests from business owners to connect new merchants. We opened 125 business accounts and 93 POS terminals for them and 80% made at least 1 transaction. They pay 1.5% for each deposit in crypto and additionally 1% for withdrawals in AED or USD (in fiat). The biggest purchase between merchants is USD 4,900. For now, we have no revenue, but project USD 70-90k/mo in the coming months, and we plan to increase sales, development, and legal departments and pass more marketing tests – a total of up to USD 200k/mo. However, we forecast total transaction of USD 450 million at a 3% EBITDA. The strategy will be based on the planned actions of the team: - Obtaining additional licenses, and building a completely legal product structure; - Replenishment of the staff with the necessary employees. - Improving the functionality of the product; - Strict calculation, reporting, and following the business plan.
Merchant solution to accept crypto payments in various businesses.
9.0   Dubai
Run Rate Sales
Nil
EBITDA Margin
Nil
Financial Investment
USD 5.5 Mn for 10%
Contact Business

Profitable Payment Services Business Investment Opportunity in Manila, Philippines

Company providing fully compliant, globally regulated, payment ecosystem seeks investment.
- The president and founder were directly in charge of the submission, management, and negotiation of over 15 different license classes in numerous jurisdictions covering regulatory governance categories. In order to successfully secure card issuance and obtain approvals, he has led and been accountable for application and negotiation endeavors with each of the three major card schemes (Visa, MasterCard, and China Union Pay). - Our COO and founder previously held the position of Senior VP of operations for Checkout. com (UK), a firm with ten international offices and a USD 40 billion market cap that supports thousands of businesses worldwide. - Presently, our company is at different stages of onboarding multiple global clients for payment processing solutions, in particular for online gaming, forex, and cryptocurrency equating to USD 100’s million annual processing volume. - The company is regulated under the Central Bank of the Philippines. - Have a strategic partnership with CEZA (the “Cagayan Economic Zone Authority”) for marketing, promotion, and deployment of global online gaming and Web 3.0 (DAO) turnkey licensing programs. - Vast worldwide industry and sector relationships supporting access and technology integration to multiple payment brands and channels, payment partnership solutions, and live, operational infrastructure connected to over 200 global merchant acquiring and alternative payment solutions. - A principal international sales agency partner is a registered ISO of Wells Fargo Bank, N. A. , Walnut Creek, CA, of BMO Harris Bank N. A. , Chicago, IL, Fresno First Bank, Fresno, CA, Citizens Bank N. A. , Providence, RI, and The Bancorp Bank, Philadelphia, PA. itself being responsible for +/- $35 Billion USD in annual global merchant processing volume. - The company facilitates both IBAN and SWIFT accounts for its clients if requested. Our network can issue global coverage prepaid Mastercard, Visa, and China Union Pay prepaid cards and can perform buying, selling, and custodial transactions for all forms of cryptocurrency – each of card issuing and cryptocurrency marketplace initiatives through the utilization of licensing in various countries. - Recognized as pioneering specialists in delivering Web 3.0 financial and operational solutions using proven, compliant, regulated international payment rails to help them ensure enterprise longevity and overall success. - The company did not generate revenue last year since the product was still in the development stage. - We have 13 employees and 16 contract-based employees. Recently nominated for Top Payment Service Provider APAC - UF Awards Bangkok. - Recently recognized as a Top 10 Women in Finance in Asia by Women's Entrepreneur Magazine India.
7.8   Manila
Run Rate Sales
USD 1.1 million
EBITDA Margin
30 - 40 %
Financial Investment
USD 1.8 Mn for 20%
Contact Business

Payment Services Company Investment Opportunity in Kathmandu, Nepal

Digital payment business with 400+ merchants and a sole market player in Nepal seeks investment.
• Digital payment is the future of money. • We are the 1st of its kind wallet to accept cash payments in our digital payment network. • Licenced by the government of Nepal with a digital payment license, affiliation with the national TV, daily and many other esteemed companies. • Various revenue modules with service charges. • Digital payment services business located in Kathmandu, Nepal with 20 employees (8 tech & 12 marketing/admin) • We are a digital payment gateway with over 100,000 downloads and 400+ merchants on our platform and we are targeting to onboard 10,000 merchants by this year-end. • Nepal's online QR payment transactions in amount are near NPR 200 crore/month with nearly NPR 60lakhs transactions/month. i. e. are at NPR 2lakh QR scans daily and growing. • With a population of 40 lakh customers just in Kathmandu's capital city, there is a huge market to tap into. • We are working & enrolling on a franchise model and plan to have franchisees in every major city based on population and area. • By having the right strategy we project to generate a huge amount of revenue through franchise fees and shared transactions. • We deal in all B2B, B2C and C2C transactions. • Unique loyalty points as good as cash. Incorporated a loyalty program with 1 loyalty = NPR 10 and also a unique feature of not just accepting payment through QR code but also earning a commission on cash payment as well. • Team of companies & franchisees to penetrate the market.
7.4   Kathmandu
Run Rate Sales
USD 18 thousand
EBITDA Margin
5 %
Financial Investment
USD 150 K for 10%
Contact Business

Payment Services Company Investment Opportunity in Kuala Lumpur, Malaysia

Profitable financial services company, 100K+ customers, seeks investment to expand in peer to peer remittance.
- Money services business (MSB) company licensed and regulated by Bank Negara Malaysia. - We have 11 outlets nationwide and more than 100,000 active customers. - Obtained BNM approval for a Class A license to offer our very own remittance services. - Recently launched, our proprietary digital remittance platform is now available on mobile apps via Google Play Store and Apple App Store. - Won the global banking and finance awards® for the Best Money Exchange Provider Malaysia. - Most of our operations are computerized hence we have a high employee turnover.
9.3   Kuala Lumpur
Run Rate Sales
USD 130 million
EBITDA Margin
0 - 10 %
Financial Investment
USD 1.8 Mn for 10%
Contact Business

Payment Services Company Investment Opportunity in Kansas City, United States

Company provides customized instant payment solutions through a channel of card processors, ISV and VAR.
Recently made public as a member of the Federal Reserve's Request for Payment Work Group to develop industry considerations for a uniform end-user experience relating to the Reserve's payment capabilities made available by the FedNow Service. will assist in formalizing any additional procedures or requirements that might be beneficial in promoting the industry's widespread adoption of Reserve's payment functionality.
8.9   Kansas City
Run Rate Sales
USD 42 thousand
EBITDA Margin
16 %
Financial Investment
USD 350 K for 20%
Contact Business

Payment Services Company for Sale in Geneva, Switzerland

For Sale: Financial intermediary associated with ARIF, authorized to crypto-currency transactions, with several banking relations.
- Currently, catering to 20 clients. - The clients are mostly from the service industry. - The company is entitled, under Swiss law, to process payments between third parties. - Has also adopted a sufficient level of AML and KYC procedures to process cryptocurrency payments and exchanges. - Generate revenue by charging a commission on every transaction (commission percentage depends on risk and volume of the transaction) - Our sales have decreased due to a decrease in clientele. - The promoter has 4 years of experience in this industry.
6.8   Geneva
Run Rate Sales
USD 30 thousand
EBITDA Margin
40 %
Business for Sale
USD 230 K
Contact Business

Payment Services Company for Sale in Vilnius, Lithuania

For Sale: Company provides international bank account number accounts and SEPA payment services.
- We are a licensed EMI based in Lithuania. - Well-organized company with a good corporate organizational structure. - Generate revenue by charging a commission of 0-0.2% on every transaction and by charging EUR 100 monthly and a 0.1% monthly balance fee. - We are able to generate the given revenue since we charge a 0-0.2% commission on every payment. - We support quick, secure, and regulated international payment services. - In order to enable clients who have been previously turned down by banks to handle their banking effectively and safely, we offer standard payment services for both individuals and enterprises. - Currently catering to 400 business clients. - The company is licensed by the Central bank of Lithuania.
8.8   Vilnius
Run Rate Sales
USD 2.4 million
EBITDA Margin
25 %
Business for Sale
USD 11 Mn
Contact Business

Payment Services Company Investment Opportunity in Bangalore, India

Bangalore based fintech company offering online payment services to over 10k users.
- Five year old company specializing in offering online payment services. - We have more than 10,000 users as of now. - Users are end customers who want to pay bills and recharge. - Promoters have 17 years of international experience in the tech and banking sectors. - Company has 4 directors with 50%, 25%, 15% and 10% split. - Business has no liability. - Revenue is generated from commissions. - Company is registered in Kerala but operations are in Bangalore. - We are still in the break-even stage as we are focussing on growth at the moment. - We are witnessing over 300% growth in revenue as we are expanding our services and location.
Bangalore based fintech company offering online payment services to over 10k users.
8.4   Bangalore
Run Rate Sales
USD 600 thousand
EBITDA Margin
Nil
Financial Investment
USD 1.1 Mn for 15%
Contact Business

Payment Services Company Investment Opportunity in London, United Kingdom

FinTech startup seeks investment to facilitate electronic banking and remittance with Canadian money service license.
- Company has developed an end-to-end funds transfer platform. The software is connected to mobile money payment channels and is ready to be launched as B2B/B2C as well as P2P. - A sustainable borderless payment platform that drastically undercuts the incumbents by allowing customers to save on transfers in 70+ currencies, and real-time exchange rates. A way to pay and get paid from 190 countries. - We are a registered money service business in Canada which is a branch that offers money transfer services to individual customers. - We are registered with FINTRAC in Canada to offer our services and are looking for investors to start with the FCA approval in the UK and Lithuania. - We spent most of our time designing and developing the product post-company incorporation. - We have a customer-facing website, iOS, and Android apps and it is AWS cloud-based. Our mobile app is in the beta testing stage with over 200 early users. The app supports both business clients and individual users as well. - Software has a robust reporting and monitoring system. - Platform has multilingual micro-services and APIs- (over 300 API endpoints) - Has direct integration with payment gateways for credit and debit payments. - Company is incorporated in Estonia, Poland, the UK, Canada, and the United States. - Revenue will be generated through commissions of 1-2.5% on payments and subscriptions ranging from EUR 4.99-10.99. - This is a lucrative multi-stream business with different revenue models and has a steady cash flow. - Our team comes with 17+ years of experience in finance, technology, and business. - Company has 2 directors with 90% and 10% shareholding and has no debts or liabilities. - The director is based in Poland and manages the operations remotely.
7.7   London
Run Rate Sales
Nil
EBITDA Margin
Nil
Financial Investment
USD 190 K for 10%
Contact Business

Payment Services Company Investment Opportunity in Nottingham, United Kingdom

Start-up fintech company providing digital wallets and digital financial transactions seeks seed funds.
- Seed stage company which has the prototype ready for a digital payments portal. - Looking for investors to start with the FCA approvals and compliance and then followed by app development. - App will be hassle free and a one stop solution for customers' all payment needs from recharge to store/shopping payments. - Transactions will also lead to cashback and rewards helping us to have a good relationship and interaction with customers. - We have already developed a website to advertise our services and app will be compatible with both Android OS and iOS. - Intend to start from beginning of next year and planned to have the app released in the market by end of next year or early 2023. - We have put together around 1 year of research and development in this prototype. - Promoter has more than 12 years of work experience and expertise.
7.1   Nottingham
Run Rate Sales
Nil
EBITDA Margin
Nil
Financial Investment
USD 95 K for 5%
Contact Business

Payment Services Company Investment Opportunity in Surat, India

Business planning on providing prepaid card which gives instant 100% cashback on every transaction.
- We are a ROC-certified firm planning to provide payment services, in talks to co-partner with ICICI Bank Ltd. - Currently, the business is in the planning stage and has many types of proof of concept. - Aim at providing the best solution to the Indian middle-class and youngsters. - We are in talks to tie-up with ICICI Bank and launch a prepaid card. - Customers will receive an instant 100% cash back on every transaction up to a limit that they subscribe to. The limit is set for a per monthly basis. - We have a projection report that shows a hopeful turnover of INR 7,000 crore business by the end of 2 years. - Will provide post devices to retailers to swipe our cards only. - Revenue generation will be through subscriptions, and an 18% commission is charged to retailers on every swipe. - Business operations will start in 6-7 months after the investment is received.
5.6   Surat
Run Rate Sales
Nil
EBITDA Margin
Nil
Financial Investment
USD 120 K for 5%
Contact Business

Payment Services Company Seeking Loan in Hazaribagh, India

Seeking Business Loan: Company aiming to provide cutting edge IT solutions to its costumers.
- Our company will be providing a variety of IT services to our clients. - We have not generated any revenue yet. However, with the proceeds from the business loan, we will commence operations and hire industry experts to render high quality services. - Expected profit margin on the business is 30 percent. With enormous growth potential in the industry, we will retire the capital amount along with interest payments to our lessor within the stipulated time frame. - Other details about the business are still under discussion.
7.1   Hazaribagh
Run Rate Sales
Nil
EBITDA Margin
Nil
Business Loan
USD 18 K at 18%
Contact Business

Payment Services Business for Sale in Delhi, India

Company that provides a turn-key setup for payment aggregator business from scratch.
Offer - To set up a new payment aggregator or payment gateway business (turnkey setup from scratch with existing source code licence). - Please note: As per RBI's latest notification, payment aggregator businesses must maintain paid-up capital of INR 25 crore. (NA for Non-Indian Clients) - We may require proof of funds to start your project of a new payment aggregator as per the latest RBI guidelines. - Technology setup: We will set up the full technology with its source code via our licence to your dedicated AWS server for customization. - It would cost you a couple of months and over INR 10 crore to build your technology from scratch; This would also be why Most payment aggregators could not survive due to a lack of technology. - Our technology has various popular functions such as merchant onboarding, reseller account, admin account, and fully ready developer page with generated integration code. Our technology can generate a Fastpay link and payment checkout page for n number of payment methods on checkout pages, such as a credit card, debit card, and net banking & e-wallet processing system. - Our technology is built with PHP and MySQL DB with the capacity to manage a large transaction flow via dynamic routing through a load balancer. - PCI DSS certification: We will perform the first-year PCI DSS level 1 certification and get the PCI certificate issued to you within 60 - 90 days. Usually, the cost of PCI DSS is about INR 5 lakhs with a minimum of 6-18 months of developer effort, which costs up to INR 30 lakh for the first time. This is a mandatory requirement for payment aggregator businesses. Add-ons with their prices (These are not included in the selling price of INR 65 lakh) - Introduction with an Indian acquirer to facilitate acquiring services to process credit cards, debit cards, net banking & e-wallet payments for your merchants. Price - INR 1 lakh. - Introduction for Escrow account provider for merchant settlements via API. Price - INR 1 lakh. - Introduction for creating a UPI handle to collect the UPI payments with your own UPI handle. Price - INR 1 lakh. - Introduction for a virtual bank account system to collect the payment via IMPS or NEFT for your merchants at no cost. Price - INR 1 lakh. - Introduction to a law firm to prepare the merchant processing agreement, NDA, reseller agreement, CDD policy, and AML policy, among others. Price - INR 25,000. - Introduction to a law firm to apply for a licence with RBI. We would help connect a law firm experienced in such projects—price - INR 25,000. - Monthly patch update service—price - INR 1 lakh. - Monthly human resource service. Price - INR 1-3 lakh. - Monthly technical resource service. Price - INR 2-5 lakh. - Payout module with compatibility of the above module. Price - INR 25 lakh. - QR module with compatibility of the above module. Price - INR 15 lakh. - SAR for data localization & storage of payment system data. Price - INR 5 lakh. - Additional monthly support as per requirements. Our company has implemented and licensed over 35 payment gateways so far and completed many PCI DSS certifications with various QSA's nationwide.
8.7   Delhi
Run Rate Sales
Nil
EBITDA Margin
Nil
Business for Sale
USD 100 K
Contact Business

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    There are 52 active and verified payment services businesses for sale and investment opportunities listed on SMERGERS as of 07 December 2023.
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