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Online Payment Services Business For Small Merchants, Edinburgh
Edinburgh, City of Edinburgh, ScotlandIdentity protected
Available
About this business
Set up in 2022, this Edinburgh business signs up small online and high-street merchants to card processing and payment links, and earns a margin on what they process. It runs without premises; five staff work remotely and onboard new merchants by phone and video. Turnover has eased slightly to £710k, but adjusted EBITDA has climbed every year to £207k, a margin of about 29%. A buyer would get a lean, profitable operation that could be run from anywhere, with scope to restart growth in merchant numbers.
Key investment highlights
- Adjusted EBITDA up every year since 2022
- No premises; five staff work remotely
- Net profit of £164k
- Could be run from anywhere
Reason for sale
The founders are moving on to build a lending product and are selling to fund it.
Nothing flagged on the two questions buyers ask first
No flagRevenue going backwards and one client being too much of it are the two things that end most deals in due diligence. Both are shown here up front, from the figures the seller supplied.
- Revenue directionNo flag
Turnover is flat year on year.
- 2022: baseline
- 2023 (-0.7%)
- 2024 (-1.4%)
- 2025 (+0.1%)
- 2026 (-1.3%)
- Peak 2022 to latest 2026: -3.1%
5 years of turnover, 2022 to 2026, as supplied by the seller.
- Client concentrationNot stated
The seller has not declared what share of revenue the largest clients represent.
No declaration supplied. Client concentration cannot be derived from accounts.
EBITDA margin widened from 22.8% in 2022 to 29.2% in 2026.
These are observations from the supplied figures, not a view on whether this business is worth buying. Nothing here predicts an outcome.
Computing valuation...
What happens next
Submit an enquiry to the seller. Once they approve it, you sign a non-disclosure agreement and gain access to the information memorandum, the financials and a secure deal room with the seller.