Skip to main content
Acquired

Built for Lenders

Disburse.Collect.Recover.

From disbursements to seamless collections, Acquired provides a unified set of payment solutions trusted by more than 80 UK lenders.

Speak to a lending specialist

Trusted by 80+ UK Lenders

Abound
Gain Credit
Oakbrook
Pepper Money
Tandem
Zopa

Built for lenders

All the payment methods. One integration.

PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.
PAYOUTS.PAYOUTS.PAYOUTS.

PAYOUTS

Faster Payments, Visa Direct, and Mastercard Send — pay out to your customers in seconds.

Find out more
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.
CARD PAYMENTS.CARD PAYMENTS.CARD PAYMENTS.

CARDS

Apple Pay, Google Pay, and every major card network — with multi-acquirer routing and tokenisation built in.

Find out more
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.
DIRECT DEBIT.DIRECT DEBIT.DIRECT DEBIT.

DIRECT DEBIT

Mandate management, collection automation, and Bacs reporting via a single API integration.

Find out more
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.
PAY BY BANK.PAY BY BANK.PAY BY BANK.

PAY BY BANK

One-off and recurring Pay by Bank, powered by open banking.

Find out more

Built for the lending lifecycle

Paid this time. Next time. Every time.

Payment capabilities that support the full lending lifecycle, all on the same API.

Disburse loan funds in seconds.

When a customer accepts an offer, ship funds the same second. Faster Payments, Visa Direct and Mastercard Send all run through one API.

  • Same-day disbursements to any UK bank account
  • Card disbursements across Visa and Mastercard network
  • Full access to payout infrastructure alongside your collections
Find out more

Disbursement queue · live

Sarah K.
Faster Payments
£142
Daniel R.
Visa Direct
£318
Mia T.
Faster Payments
£276
Adam P.
Mastercard Send
£487
Sent today£1,223

Customer stories

Built for lenders.

Case study · Collections

A more direct, secure, and cost-effective way to repay.

Oakbrook adopted Pay by Bank to reduce dependency on card payments, lower transaction fees, and address late payments by simplifying the process. Customers use it to set up repayments directly from their bank accounts or settle missed payments quickly without needing additional credentials.

“Pay by Bank has had a positive impact on our collections process, especially in helping us reach customers who have previously missed or failed payments. Its simplicity and real-time nature make it easy for customers to settle their balances directly from their bank accounts, reducing delays and increasing engagement.”

Oakbrook Finance
Read the case study
Acquired Oakbrook Finance

Case study · Multi-acquiring

Multi-acquiring and data-driven payments for a fairer lender.

Abound diversified payment channels across multiple acquirers, ensuring smoother transactions, increased flexibility, and enhanced risk management. As seen in the case study, relying on a single acquirer for September and October could have resulted in up to 6% lower collection success rates.

“Through Acquired's data-rich platform, Abound has insight into the entire customer journey, optimising efficiency and enhancing the customer experience.”

Abound case study
Read the case study
Acquired Abound

Case study · Collections

Payment Links to help customers stay on top of repayments.

Zopa Bank uses Acquired's Payment Links — sent via SMS and email — to help borrowers clear missed payments with cards, Apple Pay, or Google Pay. The operations team can also generate links in real time during customer conversations.

“We want to make life affordable for our customers. Payment Links help them keep on top of their finances if they miss a payment.”

Mike Pugh, Product Manager, Zopa Bank
Read the case study
Acquired Zopa Bank

FAQ

Common questions. From lenders.

Do I need to switch acquirer to use Acquired?

No. We support multi-acquirer setups out of the box — keep your existing relationships and let our routing engine distribute volume by live performance. Most lenders add Acquired as one acquirer in their mix and ramp from there.

Which collection rails do you support for repayments?

Cards, Direct Debit (Bacs), and Pay by Bank — including Variable Recurring Payments (VRPs). Every rail runs through one API with consolidated reporting.

How fast can I disburse loan funds to a borrower?

Same-second via Visa Direct and Mastercard Send, same-day via Faster Payments. You choose the rail per disbursement based on speed and cost; both are exposed through a single payouts API.

How do you handle failed Direct Debits?

Acquired Recover takes over automatically. It retries on data-driven cadences, can step a struggling customer onto an alternate rail (e.g. Pay by Bank), and surfaces what was recovered alongside your collections data.

What's your compliance posture?

FCA Authorised & Regulated, PCI DSS Level 1 Service Provider (annually audited), ISO 27001:2022 certified, and Cyber Essentials Plus. UK-based onboarding and support.

Want to find out more?

Tell us about your lending business and we'll show you how Acquired can unify your disbursements, collections and recovery flows.

  • Speak to a payments specialist with lending background
  • Sandbox access within one working day
  • UK-based support and onboarding
  • FCA regulated · PCI DSS Level 1 certified

Talk to a lending specialist

Talk to a lending specialist

By submitting this form, you agree to our privacy policy. We'll use your details to respond to your enquiry — nothing more.