Who we are
The licence, the technology, and the team behind your instant card payouts
Remitiva is a regulated acquirer with direct scheme access, an embeddable payout stack that completes the infrastructure you already have, and an expert team that stays involved long after you go live.
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Remitiva is a trading name of FM Finance Ltd — an FCA-authorised UK institution and a Principal Member of Visa, Mastercard, and UnionPay.
We do card payouts. Only card payouts.
We stuck with one rail and learned it well because most recipients were already there.
Regulated acquirer that keeps your funds protected
Your money is in safe hands
Technology intermediaries build their solutions on someone else's licence. We hold our own licences, connect directly to the schemes, and keep your money safe under our own regulatory obligations.
Get one provider for the whole flow
No third-party providers in the chain. Payouts run on our own infrastructure and our own licences. Contracts, compliance, settlement, and support in one place. A single accountable partner for payout enablement and processing.
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We are a missing piece of your payment infrastructure
Fintechs often sell payouts as an add-on to acquiring.
Enterprise platforms want to run your entire financial operation.
End-to-end payroll suites want to own your workflow.
Our flexible architecture lets you take exactly what you need
Remitiva does one job well — it adds the piece your stack was missing for simple, instant card payouts.
If you provide payout capabilities for clients and users
You are a B2B paytech with your own payment infrastructure
The platform is yours and the flows are yours. What is missing is a licensed provider with direct access to the card rails. We slot in as exactly that: scheme access, payment processing, and compliance under our licences.
You are a fintech or platform serving clients that run payouts
We provide white-label, headless payout infrastructure with an API-first gateway. You get more than just access to rails. Your clients pay out through your product, brand and interface. The licence and the processing are ours.
If you send payouts yourself
You want payouts inside the ecosystems you already use
Plug our payout functionality into the back-office you already work with. Use it as a plugin to your back-office systems, with no change to your existing tools.
You want payouts with no development at all
Use the ready-made Payout Portal and initiate payouts through a convenient interface. No development required at all.
We are your expert crew in card payouts
You work with an expert team whose senior leaders bring over 20 years of specialized fintech experience. We act as your fintech navigators and growth partners, covering the key needs of your business.
Licensing and regulatory statuses
We help you navigate compliance and licensing requirements to unlock international payments, new markets, and new revenue streams.
Personalised commercial terms
The commercial model is structured around your business: fees, thresholds, and setup costs reflect how you actually operate.
Support beyond automated tickets
A dedicated team that knows your business and responds quickly when a payout is held for compliance or AML review, explaining what's needed to resolve it.
Card payout expertise
Coverage changes by market, by scheme and sometimes by merchant. We know where the gaps are, and we tell you before they become your problem.
Licensed infrastructure. Technology. Expertise.
The most cost-effective and modern way to send payments becomes simple to launch with us. For you, for your clients, and recipients.
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