Ideal is a low-cost payments infrastructure designed to
replace legacy card networks.
With low acceptance costs for merchants and advanced counter-fraud capabilities to protect consumers,
Ideal will power the next chapter of digital commerce in the UK.
Our team contributed to the technical architecture for the Bank of England's Digital Pound, giving us unique insight into the future of national-scale digital payments.
Our team has decades of experience securing mission-critical national-scale platforms across government, banking, and defence - including GOV.UK. We know how to secure systems for the most challenging threat environments.
Our team continue to deliver thought leadership in digital payments, with published papers in quantum resilience, cryptography, and cybersecurity.
The UK's digital payments still rely on infrastructure designed decades ago.
Merchants pay billions in card fees each year, developers struggle to build new financial applications on fragmented legacy systems, and consumers face a bewildering set of disconnected finance and identity applications.
We believe the UK deserves better. That's where Ideal comes in.
Businesses: Our unique architecture dramatically lowers acceptance overheads. It also eliminates the need for specialised PoS hardware, reducing startup and scaling costs. With baked-in future-proof security as standard, Ideal wants to unshackle UK commerce and put more money into the pockets of businesses.
Consumers:
... and Beyond!
National digital infrastructure for payments and identity.
Modern interoperable payment rails designed for security and scale.
APIs that enable the next generation of financial applications.