Our business model

Business Model

How we deliver innovative services

 

Our purpose is to deliver innovative services that make millions of people's lives a little easier every day. 

Shopping

Delivering vital community services

 

We provide digital solutions to help our retailer and SME partners keep pace with changing shopper needs, service expectations and demographics, offering everything a modern business needs, including parcel services, Counter Cash, card and bill payments, home delivery and digital vouchering.

E-commerce

Enabling great customer experience 

 

We enable the delivery of best in-class customer journeys for e-commerce brands over the first and last mile in c.13,000 locations through our Collect+ brand, helping consumers pick up and drop off online shopping or send parcels across the UK.

Payments & Banking

Innovating in digital payments

 

We have continued our diversification to digital payments, helping organisations seamlessly and effectively serve their customers. Our market leading omnichannel solution – MultiPay – is an integrated solution offering a full suite of digital payments.

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.

What Makes Our Model Work?

  • Unparalleled network of retailer partners and SMEs The enlarged PayPoint Group now delivers technology and services to a universe of over 65,000 SME and retailer partner locations across multiple sectors, including food services, convenience retail, garages and hospitality.
  • Leading multichannel payments platform Our comprehensive payments platform gives our clients and their customers choice in how to make and receive payments quickly and conveniently. This includes our channel-agnostic digital payments platform, MultiPay, offering solutions to clients across Open Banking, direct debit, card payments and cash, and our Love2shop voucher, rewards and prepaid savings solutions.
  • Cutting-edge technology We pride ourselves on delivering innovative technology and services across the Group, whether through PayPoint Mini, helping our convenience retailer partners run their businesses more efficiently; our leading employee engagement and reward solutions for large corporate clients; or our proprietary parcel software solutions that have a singular focus on the delivery of great consumer experiences and confidence in the crucial first and last mile of parcel journeys.
  • Talented and committed people We have a talented, diverse and committed workforce with years of experience from a wide range of industries.
  • A diverse range of retailers and brands Our Shopping division serves the best SMEs and retailers in the UK, delivering digital solutions and essential services from large retailers, like Asda, The Co-operative Group and EG Group, to the best independent store owners across the country. Our E-commerce division enables the delivery of best-in-class customer journeys for e-commerce brands over the first and last mile, including Amazon, eBay, Yodel, Vinted, FedEx, DPD, DHL, HubBox, Royal Mail, Wish.com and Parcels2Go.
  • Wide portfolio of clients Our Payments & Banking division delivers digital payment solutions to clients across diverse sectors, including energy, housing, local authorities and a growing portfolio of digital brands such as Amazon, PlayStation, Xbox and Monzo. Our Love2shop division provides gifting and rewards solutions for thousands of consumers and employees, working with the biggest retailers and brands, such as M&S, Primark, Aldi and John Lewis.
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 SMEs We deliver vital community services that enhance the retailer proposition and consumer experience, driving footfall, and new commission opportunities for thousands of SMEs 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 99.3% of the population living within one mile of a PayPoint location in urban areas.

PayPoint Key Stats

735.4m
Transactions per year
65,933
Retailer and SME locations
968
No. of employees
99.3%
Population within one mile