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Acquired is a recurring payments platform purpose-built for financial services and subscription businesses. Founded in the UK in 2016, Acquired processes over 10bn in payments and helps businesses win and retain customers by intelligently optimising every aspect of the recurring payment lifecycle - across cards, direct debit, Pay by Bank, and payouts, all through a single API with UK and EU coverage. What sets Acquired apart is its end-to-end approach: Convert, Retain, and Recover. From frictionless checkout and optimal payment steering, to high approval rates and automated collection, to proactive recovery of failed payments; Acquired gives businesses one place to manage recurring revenue, reduce complexity, and protect against involuntary churn. Small enough to move fast. Specialist enough to take on the giants.
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Today's UK Finance Payment Markets Report 2026 highlights the continued shift towards digital and account-to-account payments in the UK. At Acquired, were particularly focused on what this means for Variable Recurring Payments (VRPs). As a founding shareholder of UK Payments Initiative Ltd, were helping to scale commercial VRPs and give businesses a genuine alternative for recurring payments - with more flexibility and control for consumers. As account-to-account payments continue to grow, we believe VRPs will become an increasingly important part of that mix
UK Finance's Payment Markets Report 2026 is out today, and it confirms the UK is now a truly digital-first economy when it comes to how we pay Some standout findings from the report: Cards & Contactless Card payments now account for 64% of all UK transactions, with contactless payments reaching 19.2 billion 39% of all payments, up from just 3% a decade ago. Mobile Wallets 65% of UK adults are now registered for a mobile wallet, up from 57% in 2024. Amongst 25-34 year olds, that figure rises to 89%, showing where consumer behaviour is heading next. Account-to-Account Payments Faster Payments and other remote banking payments hit 6.2 billion in 2025, up 10% year on year, now the UK's second most-used payment method behind debit cards. UK Finance points to account-to-account payments at the point of sale as one of the next big shifts, backed by the government's National Payments Vision. Cash Usage continues to decline, now just 8% of all payments, though the pace of decline is slowing as cash remains important to millions. This is exactly the direction of travel we're building for at Quint Group. As a founding shareholder of the UK Payments Initiative Ltd, Acquired is helping scale commercial Variable Recurring Payments (VRPs), giving businesses a genuine alternative to cards for recurring commerce and consumers more control over how they pay. And as mobile wallets and digital payment behaviours become the norm, Infinian's real-time credit intelligence is helping lenders keep pace with consumer credit trends. The future of UK payments won't be defined by a single method winning out. It'll be defined by the businesses that make moving between them invisible to the customer. That's the opportunity we see, and we're excited to keep playing our part in it Read more of UK Finance's report here : https://lnkd.in/e3Wgamng
Are you still tackling involuntary churn with blind retries? Most recurring commerce operations still treat failed payments with a rigid, one-size-fits-all approach: retry on Day 3, Day 7, and Day 14, regardless of why the card actually failed. The problem? Treating a temporary balance issue the exact same way as an expired card or stolen credential doesn't just fail to recover revenue - it can trigger unnecessary network fees and degrade customer experience. Its time to move beyond blunt retries. Join us in partnership with the MRC | Merchant Risk Council for an educational deep-dive hosted by Acquired's Senior Product Manager Jamie Lynch. Sign up here:https://lnkd.in/eYHuYmNx #SubscriptionCommerce #PaymentOperations #MerchantRiskCouncil
Were hiring a Senior Partner Development Manager for Financial Services at Acquired! Most partnership roles in FinTech either force you to inherit a legacy book of business or leave you stranded trying to build a channel with zero support. We structured this role differently. Half your time is active account management across our existing FS ecosystem. The other half is net-new origination: hunting platform (ISV), SI, and consultancy partnerships across lending, debt recovery, and wealth tech. Signing a deal is only step one. The real work is activation. Youll embed referral flows that feed qualified pipeline straight into our direct sales team, manage net revenue economics, and make sure integrations actually hit go-live. If youve spent 5+ years navigating complex payment models like VRP, recurring payments, and API logic, and you know how to build mutually profitable channels - this is for you. Hybrid in London with high autonomy and real revenue ownership. Apply here: https://lnkd.in/e9GbaCHh #paymentsjobs #fintechjobs #recruiting
Why settle for scheme fees, delayed settlements, and high churn rates? Commercial Variable Recurring Payments (VRPs) give businesses instant setup, real-time fund checking, and zero card expiries - all over modern open banking rails. Join us in London on 17th September 2026 for an exclusive evening panel moderated by our Principal Product Manager, Lawrence Byers (Acquired), as payments leaders from Virgin Media O2 and UK Payments Initiative Ltd (UKPI) break down how to adopt VRPs alongside your existing rails. What you'll learn: A non-technical breakdown of how VRPs stack up against cards and Direct Debit The UKPI roadmap and how upcoming rollout phases impact your sector How banks are investing in open banking infrastructure and account-to-account payments Register here: https://lnkd.in/e7EZMyKD
Acquired is sponsoring the upcoming Consumer Credit Trade Association Annual Conference on Tuesday 6 October, 2026. The CCTA conference brings together lenders, regulators, and industry innovators to navigate the changing landscape of consumer credit. Efficient, secure, and compliant payment solutions are critical to providing seamless borrower journeys and driving better customer outcomes. Were looking forward to joining the conversation and demonstrate how modern payment technology is helping lenders streamline collections, reduce friction, and enhance compliance. Will you be attending? Let us know in the comments or drop us a message - wed love to connect and chat about how we can support your payment strategy! Event Info & Tickets: https://lnkd.in/ei2JZ_Xi #CCTA2026 #Payments #ConsumerCredit #Fintech cc: Rowan M., Andy Drummond
Acquired has been shortlisted as a finalist for the Best Use of Technology Award at this years Credit Services Association Awards! Our nominated solution, Retry Advice, was designed to intelligently optimise payment retries, boosting conversion rates and recovering revenue for our merchants. Being recognised by the Credit Services Association (CSA) highlights our commitment to driving true innovation in payment technology. A massive thank you to our brilliant team whose dedication made this possible, and to our partners and clients for their continued support. The winners will be revealed at the UKCCC Conference on Thursday, 10 September 2026 at the Hilton at St George's Park. Wish us luck! #Fintech #CSAAwards #Payments cc: Mark Buckley, Rowan M., Andy Drummond, AJ Davison, Max Tapsall
Card expired. Direct Debit bounced. Mandate needs resetting. None of that means the customer can't pay, but it still lands as a broken plan which is both lost time and revenue. VRPs solve exactly this: bank authorisation with agreed limits, funds checked before collection, instead of after it's failed. Proud to back this as a founding shareholder of the UK Payments Initiative, live now with financial services and utilities in scope. Our partner Flexys has written up what it means for cost to collect, link in comments
A huge share of "failed" repayment plans have nothing to do with affordability. The customer agreed the plan. The customer could pay. Then a card expired, a Direct Debit bounced, or a mandate needed setting up again from scratch. That's not a collections failure. It's a payments failure. And it shows up in your cost to collect as agent callbacks, re-brokered plans, and another entry on the arrears report. Commercial VRPs are built to close that gap. The customer authorises their bank directly, with agreed limits on amount, timing and frequency. Fund availability gets checked before each collection, not discovered after it fails. The UK Payments Initiative Ltd went live in June, and regulated financial services is in scope from Wave 1. Our partner Acquired has joined as a founding shareholder. We've published their view on what this means for collections teams under Consumer Duty pressure to collect more, spend less and evidence good outcomes. Full piece on our website, link in comments. #Collections #ConsumerDuty #OpenBanking #Payments #CollectionsSoftware Noori Nima Kanji MCIM | Lawrence Byers | James Hill | Sami Mohamed
Enterprise merchants spend millions every year paying for payments that don't even go through. Rigid Direct Debits, expired cards, and scheme fees that keep eating into margins daily. Yet most companies still treat these issues as an unavoidable cost of doing business. Open banking changes the narrative on this entirely. VRPs (what we call 'Recurring Pay-by-Bank') offer bank-grade, recurring account-to-account transfers that don't expire, provide greater flexibility for customers, and a lower cost than traditional methods. If you want to see how enterprise brands are actually making the switch, join us in London, on September 17th for an evening panel with: - Lawrence Byers (Acquired) - Briony Krikorian-Slade (UK Payments Initiative Ltd) - David Cox (Virgin Media O2) Theyll cover what's live and what's coming next, how banks are scaling open banking tech, and a direct comparison between VRPs, cards, and Direct Debit. Save a seat here: https://lnkd.in/eg-jMWPn #payments #vrps #event
Great to see Acquired's Senior Product Manager Rowan M. featured in the latest edition of the Consumer Credit Trade Association CCTA Magazine! Link below
The latest edition of the CCTA Magazine is now available! This issue explores the key regulatory, policy and market developments shaping the consumer credit sector, alongside expert insight from across the industry. From the latest on motor finance and Consumer Duty to innovation, collections, vulnerability and financial inclusion, it brings together practical perspectives on the issues that matter most to lenders. A huge thank you to all of our contributors for sharing their expertise and helping to make this another valuable edition. Whether you're a CCTA member or simply interested in the future of consumer credit, I hope you find something of value. Read the latest issue here:https://lnkd.in/dGweaBXw Learn more about the CCTA: https://www.ccta.co.uk/
Tajay Bryan has only missed one day at his local soup kitchen in Chiswick in five years. That kind of consistency is exactly what he brings to the Commercial Team as our new Sales Development Representative. Some habits from his "suit and tie" days have stuck around: he still lays out his outfit every morning, even when it's just a t-shirt and chinos. No coffee, no tea, just water to start the day. As an SDR, Tajay is building the pipeline that becomes our future client relationships, running sequencing through Lemlist and HubSpot and currently working with prospective partners on split payment alternatives. Tajay has chosen the as his Slack emoji to represent his team, which is a pretty accurate read on his energy overall. Outside work, cooking is the real passion. He's the primary chef for his family, specialises in Caribbean, Thai, and South Asian food, and has spent the last five-plus years volunteering weekly at that Chiswick soup kitchen. Asked why he likes working at Acquired, he put it simply: "Quality people, quality products, and a quality vision. Everyone owns their role here, and I'm proud to be part of driving that vision forward." Welcome to the team, Tajay!
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