VibePay

VibePay Celebrates Top 10 Spot in Business Cloud’s UKs Best Fintech List Today, VibePay has been recognised as one of the top 10 companies in the BusinessCloud Cloud Fintech50 for 2024. This recognition highlights our role as a game-changer in the financial technology space, where we’re redefining how businesses, creators, and sellers manage payments, engage their audiences, and grow their ventures. Climbing an astonishing 20 places from 30 to 10, sees VibePay rise above fintechs such as Emma - we are hiring!, Revolut, Cleo and Snoop in the 2024 list. Why VibePay Was Recognised VibePay was recognised as not just a payments platform—but a growth engine for digital sellers, creators, and brands. By combining instant, fee-free payments with tools for engagement and insights, we’re empowering users to take control of their financial journeys. Unlocking Growth with Payments Our payment system enables instant, fee-free transactions through shareable links, QR codes, and seamless integrations. Whether you’re a freelancer, side hustler, or business owner, VibePay ensures you keep 100% of your earnings while simplifying the payment process. Engagement Through Channels VibePay’s Channels let users engage their audience directly, fostering loyalty and communication. These customisable spaces allow brands to share updates, send targeted offers, and create meaningful connections with their customers, all in one place. Data-Driven Insights We provide real-time access to banking data, giving businesses a competitive edge. From tracking transaction trends to creating audience segments and crafting highly targeted marketing campaigns, VibePay Insights helps users make smarter decisions that drive growth. Recognition and Impact Being listed in the top 10 of the Fintech50 validates our mission to reshape the future of payments. This milestone is a testament to the dedication of our team, the support of our community, and our commitment to helping users thrive in a fast-paced digital economy. A heartfelt thank you to everyone who has supported VibePay on this journey. We’re just getting started, and we’re excited about what’s ahead as we continue to innovate and push the boundaries of what’s possible in fintech. #Fintech50 #Innovation #VibePay

🚀 The Power of Data and Insights: Driving Smarter Decisions At VibePay, we believe data isn’t just numbers—it’s a window into meaningful trends and actionable insights. A great example? Our recent analysis of spending behaviours among Monzo Bank account holders, revealing their 'Monzo Starter Pack': 🛍️ Amazon 🍔 McDonald's 🚇 Transport for London (TfL) These brands emerged as top destinations for spending, providing a fascinating snapshot of habits. But it’s not just interesting—it’s valuable. For businesses, this type of insight offers a roadmap to: ✅ Refine advertising strategies: Target customers where they’re already engaged. ✅ Create hyper-relevant campaigns: Reach the right audience with the right message. ✅ Optimize resource allocation: Make informed decisions that deliver real ROI. In a world where marketing budgets need to work harder than ever, having access to real-time customer spending data is a game-changer. At VibePay, our insights platform empowers brands and businesses to make smarter, data-led decisions that resonate with their audience. Curious how VibePay can help you unlock the power of insights? Let’s talk. 💡 #DataDriven #Insights #CustomerSpending #MarketingDecisions #VibePay Apple Sainsbury's Tesco Uber

"At VibePay, we wholeheartedly align with the goals of enabling faster, safer, and more accessible payments for all users." Read more from our CEO, Luke Massie on our response to the recent National Payments Vision 👇 https://lnkd.in/eGVkRc87 #payments #openbanking #fintech #finance #money

Reflecting on the Success of the VibePay Masters: Channelling Community, Connection, and Celebration 🎯 Last week, VibePay had the incredible privilege of sponsoring the ‘VibePay Masters’ event in Blackpool, bringing together an inspiring mix of people who make our ecosystem thrive. As a brand, we’re all about facilitating genuine connections, and this event gave us the perfect platform to do just that. Our evening began with a pre-event gathering at GRAND HOTEL (ST. ANNES) LIMITED that was more than just an icebreaker. It was a gathering of people from all walks of our community—staff, creators, brands, and businesses, each bringing unique perspectives and shared ambitions. It was powerful to see the potential of VibePay unfold in conversations between brands looking to tap into real-time customer data, creators eager to grow and monetise their audiences, and businesses discussing how to foster a seamless, fee-free payment experience, all through channels directly connected to the end user. As we headed to the venue, the energy was electric as we headed into the main event—a thrilling night at the darts. Watching the excitement between World No.1 Luke Humphries and icon Micheal van Gerwen unfold with our community there, was a reminder of how important it is to keep our brand authentic and connected to those we serve. The success of the VibePay Masters has strengthened our commitment to supporting the creators, brands, and businesses we’re here to serve. Here’s to more unforgettable moments, impactful conversations, and a future where the VibePay ecosystem continues to help users build, manage and monetise their connections. We continue to hit the ground running this week, with newly appointed Head of Insights Conor Tiernan attending The MarTech Summit in London. Robert Binns Tom Keighley urfuture Adam Turner Tom Webb Ben A. Tim Renew Kieran Bamber Warren Getty Steve Vaubell Luke Massie Luke G. Will Clarke Christopher Franklin MODUS Sports Management & Events Joe Gilmore

Closing out the weekend ahead of another massive week. Big thanks to Tech.eu, Christopher Maguire, FinTech Futures and others for covering VibePay’s latest milestones! The £5M we secured in additional funding from our existing investors means we keep building the future 🧱 Our mission remains strong: to create a better way to pay, get paid, and manage money - doing so by leveraging all that #OpenBanking has to offer 🇬🇧 We’ve only achieved 1% of what we aim to do, and the next few months will be crucial. With our new insights product launch, brands can use banking data to better understand consumer buyer intent - this is going to be unrivalled in the market 🚀 Keep spreading the #GoodVibes✌🏼and stay tuned for what’s to come, we aim to finish 2025 on a high! #Fintech #VibePay #Funding #A2A #Payments https://lnkd.in/emrMwKkz

We’re thrilled to welcome Conor Tiernan as our new Head of Insights. Formerly with Klarna, Conor brings invaluable experience from leading #OpenBanking initiatives and launching kosma, Klarna’s Open Banking platform. 💬 "The power of Open Banking is putting users right at the centre, giving them control—exactly what #VibePay does." – Conor Tiernan In his new role, Conor will lead the launch of VibePay Insights, an innovative platform designed to give brands access to transactional insights. Using VibePay’s AI-driven technology, brands will be able to understand spending trends and customer behaviour and use this data to reach new customers in real time via the VibePay app - where users have thier banks linked and are ready to transact. It’s an exciting addition to our Channels feature, which connects consumers with the brands, banks, and businesses they value most—all while keeping them in control. Welcome aboard, Conor! 🚀

Open Banking 🔓 – Has some big challenges ahead that it needs to solve before it achieves mass adoption. Having a direct relationship with end consumers and gaining their trust is flagged as being a major key to unlocking the potential. What does the fintech industry need to change to fix the disconnect? 🛠️ Catch how VibePay CEO Luke Massie tackled this exact question on stage at Financial Promoter Live! 🎤👀

🔹 The Future of Payments, Community, and Engagement with VibePay 🔹 At VibePay, we’re driven by a vision that goes beyond transactions—we’re building a community-centred ecosystem where creators, brands, and fans connect seamlessly. 💡 Today’s audiences expect more than just products or services; they seek real-time interaction and authentic engagement. That’s why VibePay is focused on providing tools that allow creators and brands to thrive, while enabling fans and customers to connect more directly and meaningfully. Today's launch of our new "Message All" feature is an example of this, allowing creators and sellers to reach everyone they’ve transacted with in real-time—ideal for sharing offers, going live, or keeping loyal fans in the loop. This tool is just one of the many ways we’re bridging the gap between audiences and creators and sellers, moving closer to a future where communication, engagement, and payment co-exist in a single platform. Our Vision and Mission is to make VibePay the ultimate platform for monetising digital communities, where transactions, communication, and brand building come together to form meaningful connections. This tool can be used across all existing platforms such as YouTube, Twitch, TikTok and others, with no coding or integrations, just sharing your QR code or link. Thank you to everyone who’s already been part of this journey with us. We’re just getting started—stay tuned for even more features that will shape the way creators and brands interact with their audiences! 🚀 #VibePay #Fintech #DigitalCreators #Community #FutureOfPayments

/// Connecting You To What Matters 🇬🇧 Looking for a fast, secure & free way to request + receive payments? VibePay is changing the game in the UK by allowing users to transfer money directly to their bank accounts with ease. ⚡️ Whether you're splitting bills or collecting donations for a stream, VibePay offers seamless, quick transactions at no extra cost. Regulated by the Financial Conduct Authority (FCA), you can trust in their speed & security. #VibePay #Fintech #eSAAS

BNPL Trends: How Customers Are Embracing Buy Now, Pay Later Our latest data analysis offers some interesting insights into how VibePay users are interacting with BNPL (Buy Now, Pay Later) services—and the seasonal trends might surprise you. Using our innovative Insights platform, powered by Open Banking, we discovered the following trends: 📊 Nearly 1 in 5 purchases made by VibePay users are now done through BNPL services like Klarna, Clearpay (Afterpay), and Zilch. This growing trend highlights how users are increasingly seeking flexible payment options for larger purchases, particularly around key shopping periods. 📈 While Klarna leads the way for high-value purchases, ClearPay and Zilch handle smaller, more frequent transactions. The data shows that users are leveraging BNPL options strategically based on the nature of their purchases. 💡 Notably, BNPL adoption spikes around major sales seasons, with increased activity during the months leading up to Black Friday and Christmas—a trend worth watching as we approach the holiday season. 🔍 Want deeper insights into consumer spending trends? If understanding how your customers shop can help shape your business strategy, get in touch! VibePay’s insights into user behaviour can help your business or organisation tap into emerging trends and make smarter decisions. Stay tuned for more updates on how consumer habits are shaping the future of payments. #BNPL #Fintech #VibePay #Payments #OpenBanking #BlackFriday #ChristmasShopping