Our Heritage & Story

From the heart of the City of London to the forefront of digital payments — a legacy of trust, innovation, and unwavering commitment to our clients.

A Legacy Built on Trust

In 1904, Mossen & Co. was established in the City of London, providing bill clearing and remittance services to merchants across the United Kingdom. For over a century, we have stood at the heart of British commerce, adapting and evolving with each generation of financial innovation.

From handwritten ledgers to electronic funds transfer, from the first online payment gateways to today's intelligent orchestration platform — Mossen has continuously pioneered new ways to move money safely and efficiently.

Today, as an FCA-authorised Payment Institution, we combine the wisdom of experience with cutting-edge technology. Our platform processes over £8 billion annually for 2,000+ businesses across 50+ countries. Yet our founding principle remains unchanged: your money is safe with us.

1904
Founded in the City of London
A century of trust & innovation

120 Years of Innovation

Six generations of payment technology, one constant: trust.

1904

Founding in London

Mossen & Co. established on Lombard Street in the City of London. Specialising in bill clearing and merchant remittances.

1936

Clearing House Expansion

Became a member of the London Bankers' Clearing House, processing cheques for regional banks across the UK.

1952

Post-War Growth

Expanded to serve building societies and savings institutions across the British Isles. Processing millions of transactions annually.

1987

Electronic Payments

Pioneered electronic funds transfer among independent UK payment providers. Early investor in BACS and CHAPS infrastructure.

2009

Digital Transformation

Launched our first online payment gateway. Secured FCA authorisation under the new Payment Services Regulations.

2018

Orchestration Era

Introduced the Mossen Payment Orchestration Platform, unifying 200+ payment providers under a single API.

2024

Today

2,000+ business clients, £8B+ annual volume, 50+ countries served. 120 years young, and just getting started.

What Guides Our Every Decision

Values forged over 120 years in the City of London.

🏛️

Prudence First

We are stewards of other people's money. Every decision begins with safety, security, and the protection of our clients' funds and data.

🤝

Client Partnership

We believe in long-term relationships. Many of our clients have been with us for decades. We succeed when they succeed.

🔬

Continuous Innovation

From ledgers to AI — we've never stopped evolving. We invest heavily in R&D to ensure our clients always have the best tools available.

⚖️

Integrity & Compliance

We maintain the highest regulatory standards. Our compliance team ensures we meet or exceed every FCA requirement and industry best practice.

🎯

Excellence in Execution

We take pride in doing things properly. From the code we write to the service we provide — quality is non-negotiable.

🌱

Responsible Stewardship

We have a responsibility to our clients, our employees, and the communities we serve. We take that responsibility seriously.

Licences & Certifications

The highest standards of regulatory compliance and security.

🏛️

FCA Authorised

Authorised Payment Institution
Regulated by the FCA

🔐

PCI DSS Level 1

Industry's highest payment card
security standard

🛡️

Visa Principal

Principal member of Visa
Europe payment network

💳

Mastercard Principal

Principal member of
Mastercard Europe

🔒

ISO 27001

Information security management
system certification

🏦

BACS Approved

Approved BACS service bureau
for direct debit & credit

FPS Participant

Direct participant in the Faster
Payments Scheme

🇪🇺

SEPA SCT Inst

SEPA Instant Credit Transfer
scheme participant

Meet Our Leadership

A blend of City experience and fintech expertise.

EW

Sir Edward Whitfield

Chairman

40 years in City finance. Former director at a major UK clearing bank. Knighted for services to financial services in 2018.

JB

James Blackwood

Chief Executive Officer

25 years in payments. Joined Mossen in 2010 to lead our digital transformation. Former MD at Barclaycard Commercial.

EC

Emma Collins

Chief Technology Officer

Ex-Google engineer. Built payment systems processing £15B+ annually. Architect of our orchestration platform.

RS

Richard Shaw

Chief Revenue Officer

20 years in B2B financial services. Leads our client-facing teams. Previously at HSBC Global Payments.

AP

Dr. Amira Patel

Chief Compliance Officer

FCA-registered compliance professional. PhD in Financial Regulation. Ensures the highest regulatory standards.

MH

Margaret Henderson

Chief Financial Officer

FCA-qualified accountant. 30 years in financial services. Ensures the financial prudence of every operation.

TO

Thomas O'Sullivan

Head of Institutional Clients

25 years serving financial institutions. Leads our bank and building society partnerships. Formerly at Lloyds Banking Group.

SW

Sophie Williams

Head of Client Success

Leads our client success team across the UK and Europe. Committed to delivering the highest standards of service.

Partner with a Proven Institution

Discover why businesses have trusted Mossen with their payments for over 120 years. Speak with our team today.