About Us

Building the future of business spending

We started Vydapay because we believed finance teams deserved better tools. Today, we help thousands of businesses take control of their spending with modern card issuing and expense management.

£2.4B+ Processed annually
15,000+ Businesses
89 Team members
2019 Founded
Our Story

From frustration to innovation

In 2019, our founders James Wilson and Sarah Chen were running a fast-growing startup and experiencing firsthand the pain of managing company expenses. They had shared corporate cards with no visibility into who was spending what. Lost receipts piled up. Monthly reconciliation took days of manual work.

When they looked for solutions, they found clunky legacy systems designed for enterprises, or consumer apps that didn't meet business needs. Nothing provided the real-time visibility and control that modern businesses needed.

So they built Vydapay—a platform that gives every employee the cards they need while giving finance teams complete visibility and control. What started as a solution for their own company has grown into a platform serving over 15,000 businesses across the UK and Europe.

Today, we've processed over £2.4 billion in transactions and saved our customers hundreds of thousands of hours of manual work. But we're just getting started. We believe every business deserves world-class financial tools, and we're on a mission to make that a reality.

2019

Founded in London

James and Sarah leave their startup roles to build Vydapay. First office in Shoreditch with 3 employees.

2020

First cards issued

Launch virtual card product. 500 businesses sign up in first 3 months. Raise £4M seed round.

2021

Physical cards launch

Introduce premium metal cards. Hit 5,000 customers. Team grows to 35 people.

2022

FCA authorisation

Become fully authorised by the Financial Conduct Authority. Launch receipt matching AI with 98% accuracy.

2023

Series A funding

Raise £18M Series A led by Accel. Pass £1B in annual transaction volume. Open Dublin office.

2024

European expansion

Launch in Ireland, Netherlands, and Germany. Hit 15,000 customers and £2.4B annual volume.

2025

Series B & beyond

Raise £40M Series B. Expanding to France and Spain. Building the future of business finance.

Our Mission

Making business spending effortless

We believe finance teams shouldn't spend their time chasing receipts, reconciling statements, or processing expense reports. They should be strategic partners helping their businesses grow.

Vydapay automates the tedious work so finance professionals can focus on what matters: driving business decisions with real-time financial insights.

Our Values

What drives us every day

⚡

Speed matters

We ship fast and iterate faster. Our customers shouldn't wait months for features they need today. We deploy multiple times per day and measure impact in real-time.

🔒

Trust is earned

We handle our customers' money. Security and reliability aren't features—they're foundations. We hold ourselves to the highest standards of security, compliance, and transparency.

🎯

Customer obsessed

Every decision starts with "how does this help our customers?" We talk to customers daily, watch how they use our product, and build what they actually need—not what we think they want.

💡

Think different

The old way of doing things isn't good enough. We challenge assumptions, question "best practices," and find better solutions. If it's always been done that way, that's reason to reconsider.

🤝

Win together

We succeed as a team or not at all. No brilliant jerks. No politics. We share information freely, help each other grow, and celebrate wins together.

📈

Own the outcome

Everyone at Vydapay is an owner—literally. We all have equity, and we all act like it. We don't point fingers; we solve problems and take responsibility for results.

Leadership

Meet the team building Vydapay

We're a team of fintech veterans, startup operators, and domain experts united by a mission to transform business spending.

JW

James Wilson

CEO & Co-founder

Previously VP Product at Monzo where he built consumer banking products used by millions. Before that, led product at TransferWise (now Wise). Cambridge MBA.

SC

Sarah Chen

CTO & Co-founder

Former engineering lead at Stripe where she built payment infrastructure processing billions in volume. Previously at Google Cloud. Stanford CS graduate.

MR

Michael Roberts

CFO

20 years in fintech and banking. Previously CFO at Funding Circle through IPO and Director of Finance at Barclays. Chartered Accountant.

EP

Emma Phillips

VP Engineering

Built and scaled engineering teams at Revolut (20 to 200 engineers) and GoCardless. Passionate about developer experience and platform reliability.

DK

David Kim

VP Product

Product leader who built expense management at Brex and card issuing at Marqeta. Deep expertise in B2B fintech products.

LM

Lisa Martinez

VP Sales

Scaled sales teams at Stripe and Plaid. Expert in enterprise fintech sales and building repeatable go-to-market motions.

TH

Tom Harrison

VP Customer Success

Built customer success from scratch at Xero UK. Focused on turning customers into advocates through exceptional service.

RB

Rachel Brown

Head of Compliance

Former regulator at the FCA. Led compliance at multiple EMIs through authorisation. Expert in payments regulation.

Backed By

World-class investors

We're backed by investors who have built and scaled some of the world's most successful fintech companies.

Early backers of Spotify, Slack, and CrowdStrike

Investors in Revolut, Plaid, and Adyen

Backed GoCardless, Revolut, and Wise

Strategic investment from the payments leader

Part of the W20 batch

Our Offices

Where we work

London (HQ)

100 Lots Road
Chelsea, London
SW10 0QJ

65 team members

Dublin

42 Pearse Street
Dublin 2
D02 YX88

18 team members

Remote

Across the UK, Europe,
and beyond

6 team members

Join us on our mission

We're always looking for talented people who want to transform how businesses manage spending.

View Open Roles Get in Touch