What we do

Help Businesses and Consumers maximise their money through Socially Responsible Tech

With a single integration, our pick'n'mix suite of products provide secure, simple, and instant access to Payments, KYC and Affordability data for businesses of all sizes, from sole traders to large corporations. Fintellity can manage the entire journey within minutes, from verifying the consumers identity and affordability, to taking and receiving payment, allowing us to offer cost-effective alternatives to expensive card processors and third party providers.


Products & Industries

See how our products can work for your industry

Sole Traders

Using our direct bank to bank or our QR Code payment method means you can get your funds instantly with one low fixed rate fee in a friction-free customer journey, without the need for card networks, hardware, delays in invoice payments, or chargeback fees!


Our compliant and regulated Affordability and KYC checks provide you with the knowledge that you are safe in our hands. Direct bank to bank payments save money on costly card fees and means that funds can be instantly accessed, so your customers can stay in the game.

Credit & Lending

Using our product suite, we provide you with instant credit checks. No more waiting on slow, labour intensive processes. We provide you with verified financial data in realtime so that you can make an instant informed decision on your customers acceptability.


One simple integration to our product suite will provide you with the tools you need to remove chargebacks and minimise fraud. Our fixed rate fees for all transactions are much cheaper than card processing saving your business £££.


We provide you with verified financial data in real time to make tenant referencing a quick and painless process. Slow decision making can be a thing of the past, and with deposits and rent being made instantly through bank to bank transfers, keys can be handed over to happy homemakers in no time.

WealthTech & HealthTech

Using our unique Affordability algorithm and data direct from the customers bank account, we provide a fast and accurate check. We verify the account and transfer funds immediately for a quick, friction-free experience.

Who we are

Our leadership team

With over 30 years experience working together in FCA regulated e-money payment institutions based in Cambridge (UK), we have specialised in high-risk sectors across Europe and the US. Experienced in designing, building, and running highly available, highly secure, cloud-based financial products, including pre-paid cards system, and card issuing and acquiring platforms.

Shardai Cosgrove

CEO, Founder

Suzi Jones

COO, Founder

Matt Johnson

CTO, Founder

Press & Blogs

Keeping you up to date with our latest blogs, Fintellity in the press and any relevant fintech news.

2022 September

Fintellity are selected for the Tech Nation Libra 2.0 cohort

We are thrilled to be working with Tech Nation for a second time. This time as part of their Libra 2.0 Accelerator programme. We are excited to have the opportunity to learn from our peers and scale our business.

2022 August

Fintellity Features...Part 6: Side Hustles

In this blog we will look what the hype is all about and whether it’s something you should consider trying.

2022 July

Fintellity are selected for Barclays Accelerator Programme

We are delighted to have been selected for this year’s Barclays Black Founder Accelerator Programme. This 12-week programme has been designed to help Black founder-led businesses accelerate and grow. We are excited about our future as we continue to advance and expand.


Fintellity works with a range of organisations and charities to provide the best service for our customers whilst maintaining our affordability ethos. From delivering services, to learning and tackling problems together, the relationships we form are an important part of our business.

We are currently working with the following teams to ensure our products have the customers safety and wellbeing in mind through all stages of development: