About us

Who we are

CashFlows aims to maximise payment acceptance for our customers and partners through more right-first-time sales, fewer declines and disputed sales. We do this through a combination of our purpose-built technology, innovation and expertise.

Our customers and partners experience this in action in many ways. From our willingness to understand their problems to our tenacity in resolving them. From our speed at on-boarding new customers to our continuous improvement philosophy. Not to mention our secure, world-class innovation and technology.

A brief history

In 2010 the CashFlows brand was created. Following authorisation from the FCA as an electronic money institution in 2011, we became one of the first independent UK payments institutions to be accepted as a principal member of both Visa and Mastercard. We’ve been offering merchant account services to customers across the European Economic Area (EEA) ever since.

From the beginning, CashFlows has made a significant investment in infrastructure to deliver an industry-leading payments platform. Our cloud-based solution is highly cost-effective, fast, scalable and secure.

We’re not a one-size-fits-all payments processor. We value partnership and our growth has been fuelled by our willingness to adapt to customer needs and our ability to partner for success. It’s these philosophies that helped us get onto the Fast Track 100 ladder in 2016.

CashFlows has continued to invest heavily in people, including targeted appointments from key players in the industry. We also further enhanced our product portfolio by acquiring Cambridge-based iCheque Network Ltd, who provide an online virtual payment solution via the Payr brand.

Private equity fund manager Pollen Street Capital is a majority investor in CashFlows. Pollen Street Capital focuses on investing in high-quality businesses operating within the financial services sector.

To date Pollen Street has invested over £1.2 billion in a range of businesses across all stages of development.

Our leadership team

Martin Belsham


Martin joined CashFlows as CEO in 2017. He is a financial services veteran bringing a wealth of experience from the banking sector and expertise in executing company turnaround strategies. Prior to joining CashFlows Martin was the CEO of City Index. He was also Founder and CEO of online betting and gaming company Blue Square, leading the company through its acquisition by The Rank Group.


Thomas Gregory


Tom joined CashFlows as Chief Operating Officer in August 2016, responsible for operations, compliance and risk, strategy and corporate development. He has extensive experience in the payments and FinTech sector, having worked in senior operational and strategic positions at PayU, Barclaycard, Barclays and FirstCaribbean Bank. Prior to joining CashFlows, Tom was COO at Skrill and helped to lead the integration into the Paysafe Group.

Jonathan Bennett


Jonny joined CashFlows as Chief Commercial Officer in August 2016, responsible for product, sales and marketing. He has more than a decade of experience in the financial services sector and has held a number of senior executive and management roles at major companies, including Travelex, American Express and Mastercard. Prior to joining CashFlows, Jonny was Chief Commercial Officer at Kalixa Payments Group.

Mat Peck


Mat has spent 20-plus years in senior technical leadership positions in technology companies. He is particularly experienced in developing R&D and information security functions within companies, ranging from start-ups to large enterprises. Prior to joining CashFlows, Mat was the Chief Technology Officer at iCheque Network Limited, where he re-engineered the technology platform. Mat holds an MSc in computing science from Imperial College London.

Blair Halliday

Executive Director, Financial Crime & Compliance

Blair joined CashFlows in October 2016, and is responsible for its financial crime prevention and compliance activities. Blair has an extensive background in governance, financial crime and compliance, gained from a 20-year career within the financial services sector, having held compliance and investigative positions at the Royal Bank of Scotland Group, Paysafe Group and J.P. Morgan Chase. Prior to joining CashFlows, Blair was Chief Compliance Officer at International Currency Exchange, and was responsible for their global compliance program. Blair is a certified fraud examiner.

Justin Lunny

Executive Director, Business Development

Justin is an entrepreneur who has co-founded a number of electronic payments businesses. These include Prepaid Network Inc. USA and the FCA-regulated iCheque Network Limited, which are now part of CashFlows Europe. He was previously co-founder of Ukash, and Business Development Director at earthport plc. His experience includes electronic money, multi-currency card acquiring, prepaid solutions, mobile payments and electronic wallets. 


CashFlows has all of the advantages of a FinTech start-up: a fast-paced working environment, limited bureaucracy, purpose-built technology stack and the freedom to innovate from the customer forwards.

We look after our people with a generous pay and benefits package, including life assurance, income protection, childcare vouchers, medical insurance and pension.

What’s more, there are wellbeing benefits, such as discounted gym membership and Pilates classes, plus onsite subsidised massage clinics. Our hours are flexible and everyone is entitled to 25 days holiday a year. We're always looking for great people to join our friendly team.

Get in touch

We pride ourselves on delivering the highest level of service. Any questions? Or want the CashFlows team to get in touch? Please just use the enquiry form below.

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