Acquired.com – Next‑Generation Payment Platform for Recurring Commerce

Overview of Acquired.com

Acquired.com is a payment technology company based in London that started in 2016. It serves as a payments platform that focuses on supporting recurring commerce and digital transactions in various fields, especially financial services, lending, debt collection, and subscription businesses. Regulated by the UK’s Financial Conduct Authority and acting as an agent of PayrNet Limited, Acquired.com provides fully compliant, payment-agnostic infrastructure. This infrastructure supports card payments, open banking, direct debit, and Faster Payments.

Core Payment Solutions

Card Processing

Acquired.com supports online card transactions across all major schemes, including Visa, Mastercard, Apple Pay, and Google Pay. Their platform includes flexible components like hosted checkout, payment links, and mobile SDKs, designed for seamless web and mobile processing. Businesses benefit from real-time routing, automated account updater services, and dispute management tools that optimise approval rates and enhance customer experience.

Direct Debit

Their Direct Debit solution simplifies recurring collections through automated mandate setup, retry logic, cancellation handling, and end-to-end reconciliation. The service is available via API or hosted checkout flows, making it ideal for subscription billing, lending repayments, and insurance premium collections.

Pay by Bank (Open Banking)

Acquired.com’s open banking solution enables customers to make instant, secure payments directly from their bank accounts. This includes Pay by Bank for one-time transactions and support for Variable Recurring Payments (VRPs), such as Sweeping VRPs, which automatically transfer funds between a customer’s accounts. These tools create a frictionless experience for end-users while improving payment reliability for businesses.

Payouts & Faster Payments

The platform also provides real-time, API-driven payouts via Faster Payments. Businesses can issue payments instantly to bank accounts or supported cards with detailed success, pending, or failure responses. This feature is widely used for salary disbursements, refunds, account top-ups, and loan withdrawals.

Innovation & Recurring Payment Leadership

Variable Recurring Payments (VRPs)

Acquired.com is a leading participant in shaping the future of recurring payments in the UK. As a founding member of an industry initiative for Commercial Variable Recurring Payments (cVRPs), they enable businesses to request repeat payments under customer-defined limits—without needing card-on-file or direct debit. Their Sweeping VRP functionality allows automated internal transfers between accounts, reducing payment failures and simplifying financial planning.

Acquired.com is currently the only provider offering both Commercial VRPs and Sweeping VRPs, demonstrating a strong commitment to open banking innovation and payment flexibility.

Platform & Infrastructure Highlights

Unified Hub & Reporting

The Acquired.com Hub centralises all transaction data across cards, open banking, direct debit, and payouts. Businesses can monitor real-time transactions, access reconciliation reports, download exports, and manage disputes from a single dashboard. This integrated view simplifies financial management and reduces operational overhead.

Intelligent Routing & Automation

The platform uses machine learning to route transactions intelligently for higher authorisation rates and lower transaction costs. Features like account updater, dispute handling, and event notifications are automated to improve efficiency and reduce manual intervention.

Scalability & Reliability

Built on a robust cloud infrastructure with geographically redundant data centres, Acquired.com ensures high uptime and scalability. Whether you’re a startup or a large enterprise, the platform adapts to your needs as your business grows.

Vertical Expertise and Industries Served

Acquired.com tailors its platform for industries that rely on recurring payments and financial automation:

• Lending & Debt Collection: Enables automated repayments, real-time updates, and higher success rates through VRPs, Pay by Bank, and direct debit options.

• Insurance: Supports premium collection, policy renewals, and claim payouts with secure and flexible recurring flows.

• Subscription & SaaS: Facilitates billing via card or open banking, with tools to manage retries, churn, and customer experience.

• Financial Services & Neobanks: Powers embedded financial flows, internal transfers, and customer payouts with full visibility and control.

Their hands-on approach ensures that each client receives a customised payment strategy based on volume, regulatory needs, and business model.

Compliance, Regulation & Certifications

Acquired.com operates under the regulation of the UK Financial Conduct Authority. It provides payment services directly and issues electronic money through PayrNet Limited. The company maintains full PCI-DSS compliance for card processing and adheres to PSD2-SCA requirements for open banking services. All customer funds are held in segregated accounts in accordance with the UK Electronic Money Regulations.

Key Benefits

1. Multi-Method Payment Platform

Acquired.com consolidates card payments, open banking, direct debit, Faster Payments, and VRPs into a single solution. This unified approach reduces integration complexity and empowers businesses to offer more payment choices.

2. High Conversion Rates

By using intelligent routing, automated retries, and account updater services, Acquired.com helps businesses increase acceptance rates and reduce churn. These tools are critical for companies with recurring revenue models.

3. Leadership in Open Banking

Acquired.com’s work in VRPs and open banking positions it as an innovative leader in recurring payments. Businesses gain early access to game-changing technologies that improve reliability and cash flow.

4. Industry-Specific Experience

With expertise in lending, insurance, collections, and subscriptions, Acquired.com delivers solutions aligned with regulatory and operational realities in each sector.

5. Developer-Friendly Integration

Acquired.com offers a comprehensive suite of APIs, SDKs, hosted checkout pages, and payment link tools for developers. Integration is fast, secure, and scalable—backed by thorough documentation and support.

6. Proactive Support

Clients benefit from strategic onboarding, live performance monitoring, and a dedicated support team. Acquired.com works as a partner, not just a vendor, helping businesses optimise their payment stack continuously.

Conclusion

Acquired.com brings together everything modern businesses need to handle recurring payments and disbursements at scale. Its focus on open banking, following regulations, and real-time automation makes it a progressive platform for financial services, subscription businesses, and digital-first companies.