Our business model

Business Model

Our purpose is to deliver innovative technology, payments and services that make millions of people’s lives a little easier every day.

Network Services

Delivering vital community services for millions of consumers

 

We deliver essential community services through our leading network of over 30,000 convenience stores, helping consumers deposit cash into their bank account, pick up and send parcels, pay bills and access a wide portfolio of digital brands.

Digital Payments & Open Banking

Enabling digital payments innovation for major organisations

 

We deliver a technology platform combining digital payments, Open Banking and real-time credit scoring, enabling major service organisations across a diverse range of sectors to give their customers payment choice.

Love2shop

Providing gifting and rewards for the moments that matter

 

We provide gifting, employee engagement, consumer incentive and prepaid savings solutions to thousands of consumers and businesses.

Merchant Services

Delivering payment solutions for SMBs across the UK 

 

We provide Point of Sale and online merchant payment solutions, terminal rentals and business finance that support UK businesses to grow.

What Makes Our Model Work?

  • PayPoint operates an unrivalled nationwide network of over 30,000 convenience stores and supports more than 65,000 retailer partner and SME locations across multiple sectors, including food services, convenience retail, garages and hospitality.
  • This unique combination of physical reach and local presence enables the delivery of essential services directly into communities across the UK at scale.

  • Our platform combines digital payments, Open Banking and API-led services, giving clients and their customers choice in how to make and receive payments quickly, securely and conveniently.

  • We work with a diverse range of organisations, including banks, corporates, fintechs, government bodies, retailers and consumer brands, delivering services across multiple sectors. Through our four business units:
    • Network Services delivers essential community services including banking, parcels, bill payments and digital engagement
    • Digital Payments & Open Banking provides technology-led payment and data services across sectors such as housing, utilities and financial services
    • Love2shop delivers rewards, gifting and prepaid savings solutions for businesses and consumers
    • Merchant Services supports SMEs with card acquiring, terminal rentals and business finance
  • This breadth of relationships underpins resilient revenues and supports cross-selling opportunities across the Group.

  • We deliver innovative, scalable technology across the Group, from in-store technology that supports retailer partners, to Open Banking, data-sharing and payments infrastructure for enterprise clients. Our platform enables new payment methods, digital experiences and trusted services to be deployed rapidly and at scale, bridging digital and physical channels.

  • Our success is underpinned by a skilled, diverse and highly engaged workforce, combining deep operational expertise with strong digital and technology capabilities across the Group. range of industries.
The value we create

Delivered to our stakeholders

  • Consumers We serve millions of consumers every day, online and in-store, helping them make payments and send/pick up parcels through our digital payments platforms and extensive retailer partner network.
  • Retailers and SMBs We deliver vital community services that enhance the retailer proposition and consumer experience, driving footfall, and new commission opportunities for thousands of SMBs and retailers across the UK.
  • Employees We create a dynamic and innovative place to work for our employees across the PayPoint Group.
  • Investors We aim to deliver a sustainable and rewarding business model and superior returns for our investors.
  • Local communities We provide vital services to hundreds of communities across the UK, at over 30,000 locations, with 99.5% of the population living within one mile of a PayPoint location in urban.

PayPoint Key Stats

657m
Transactions per year
65,488
Retailer and SMB locations
945
No. of employees
20.0p
Final dividend declared
99.5%
Population within one mile