CreditCall
A payment solutions provider..
| Date | Investors | Amount | Round |
|---|---|---|---|
| - | investor investor investor | €0.0 | round |
* | N/A | Acquisition | |
| Total Funding | 000k | ||
| GBP | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|
| Revenues | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % growth | 17 % | 17 % | 42 % | (14 %) | 14 % | 23 % | 14 % |
| EBITDA | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % EBITDA margin | 6 % | 14 % | 24 % | - | - | - | - |
| Profit | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % profit margin | (2 %) | 18 % | 20 % | 10 % | (15 %) | 19 % | 24 % |
| EV | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| EV / revenue | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| EV / EBITDA | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| R&D budget | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| R&D % of revenue | 4 % | 6 % | 60 % | - | - | - | - |
Source: Company filings or news article
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Creditcall Limited operated as a payment service provider and gateway, offering credit card authorization and settlement services before its acquisition by NMI.
Founded in 1996 as Creditcall Communications Limited in Bristol, UK, the company initially provided a telecommunications service that allowed users to bill phone calls to their credit or debit cards. A significant milestone was achieved in 1998 when it won 3i's Business Catapult Award, securing an initial investment. In 2012, the management team, backed by FF&P Private Equity and Bestport Ventures, completed a buyout. The company's growth was recognized in 2014 with the Queen's Award for Enterprise.
Creditcall's business model focused on providing payment gateway services for various sectors, including e-commerce, unattended terminals like parking and vending machines, and mobile payments. The company developed and certified EMV Kernel software for Chip & PIN and contactless card readers used in point-of-sale systems, ATMs, and other terminals. Its client base included merchants requiring secure transaction processing across multiple channels, with notable users like NCP car parks, Hilton hotels, and Five Guys. Revenue was generated through transaction fees on its payment platform, which supported a recurring revenue model.
In March 2018, Creditcall was acquired by NMI, a US-based payment technology provider. The acquisition aimed to combine NMI's expertise in card-not-present (e-commerce) transactions with Creditcall's strength in card-present (in-person) and EMV technologies, creating a unified omnichannel payment gateway platform. Following the acquisition, Creditcall was integrated into NMI's operations, expanding NMI's global presence and capabilities.
Keywords: payment gateway, payment service provider, EMV solutions, credit card authorisation, transaction settlement, omnichannel payments, card-present transactions, card-not-present, unattended payments, point of sale, mobile payments, FinTech, payment processing, EMV Kernel, NMI, payment technology, e-commerce payments, secure payment software, contactless payment, payment solutions