Lead generation for fintech, payments and FX providers

Who you are selling to

Finance directors, heads of treasury, founders and operations leaders at UK businesses that move money: e-commerce merchants, marketplaces, importers and exporters, SaaS companies, recruiters paying contractors abroad, and scaling startups. They switch or add a payments, FX or fintech provider when volume, geography or cost pressure changes, which is visible from the outside if you know where to look.

The buying signals that matter in this market

Rept watches ten signals across every account in a client's ideal customer profile. For this vertical, these are the ones that most reliably precede a purchase, in rough order of strength:

• Funding rounds. Fresh capital means new hires, new markets and new spend, all of which create payments and FX volume and a willingness to re-platform.
• Market expansion. A new country, currency or entity is the strongest FX and cross-border payments trigger there is.
• Hiring growth, particularly in finance, ops and sales. New finance headcount reviews providers; new sales headcount means more invoices and receipts to process.
• New paid advertising and merchant activity. A merchant scaling ad spend is scaling transaction volume and often outgrowing its first payment provider.
• Technology stack changes. A new ERP, e-commerce platform or billing system is the natural moment to change payment rails or add embedded finance.
• Leadership hires. A new CFO or head of payments typically reviews providers in the first 90 days.

Messaging that gets replies

Reference the event and its consequence: the expansion and the currencies it brings, the round and the hiring it funds, the new platform and the rails it needs. Name the client and the specific thing it does better (settlement speed, rate transparency, embedded checkout, reconciliation) in one sentence, and ask for twenty minutes. Fintech buyers are marketed to constantly; specificity about their situation is what separates a reply from a delete.

Compliance notes for this market

Classify every target by legal form: sole traders and ordinary partnerships are individual subscribers under PECR and need consent, while limited companies and LLPs can be emailed with an opt-out. Keep product terms, rates and application prompts out of cold email so nothing becomes a financial promotion that needs FCA-authorised approval. The full rules are in Rept's compliance guide.

What results look like

Rept's fintech and payments clients have included payment gateways, FX and cross-border providers and crypto-infrastructure businesses. Rept's best-performing campaign to date was for a payment gateway provider, triggered off new merchant-acquisition ad spend, at a 60% positive reply rate. Across financial services campaigns the average is 29.4%.

How Rept runs it

You describe your ideal customer. Rept builds the target list, watches it for the signals above, researches each high-intent account with AI, drafts an email around the exact trigger, has a human review it, sends from dedicated warmed domains, handles replies and books the meetings. Live in 14 days, from £1,350 + VAT per month, month to month. Start with a free signal check or ask for 100 example leads with live signals.