RecoupIQ • UK Merchant & Counterparty Risk Infrastructure
Executive Risk Briefing: Mollie UK
UK Entity: MOLLIE UK LTD. (CRN: 14013554) • Segment: Payment Gateways, Rails & Embedded Banking
Prepared for Leadership: Koen Koppen (CEO) • Shane Happach (Director)
CONFIDENTIAL BRIEFING
Prepared by Alex • Founder, RecoupIQ
Statutory Accounts Basis: FYE 31 December 2024
What RecoupIQ Offers Mollie UK • At a Glance
Stop UK Merchant Defaults & Section 75 / Chargeback Write-Offs Before Payout Leaves Your Bank
1. What We Provide
<150ms Pre-Payout Gate
Pass any UK CRN before T+1 payout, reserve release, or advance. Returns ALLOW, HOLD, or BLOCK with a SHA-256 audit certificate.
2. Why You Need It Now
30–60 Days Ahead of Bureaus
Experian/Creditsafe & card fraud tools miss live London Gazette Rule 7.10 Winding-Up Petitions, Section 127 void dispositions, and sudden director resignations.
3. Modeled Value
£3k–£4k / yr
Modeled against Mollie UK’s £10k audited impairment & £14k provisions.
4. How To Start & Cost
£0 Backtest → £1,495/mo
Test 10–50 past merchant write-offs for £0 today. Production shadow pilot is £1,495/mo (or £0.05/check) with zero lock-in.
The Settlement & Default Timing Gap: Across both B2B (merchant cash advances, trade credit, corporate payouts) and C2B (consumer card acquiring, BNPL, POS retail finance, and Open Banking checkout), when a UK merchant collapses, legacy credit bureaus update 30 to 90 days late. During that window, Mollie UK continues sweeping T+1 payouts or carrying unhedged consumer Section 75 / Visa & Mastercard “Services Not Rendered” chargeback liability against an insolvent UK limited company. RecoupIQ closes this window with a synchronous
<150ms pre-payout and pre-onboarding gate across 5.3M UK companies.1. Statutory Risk Profile & Modeled Annual Savings (MOLLIE UK LTD.)
Audited P&L Impairment
£10k
Source: Note 15 (Movement in Provisions), Note 2.1 C) & E) (Accounting Policy for Impairment Losses)
Balance Sheet Provisions
£14k
Source: Note 15
15% Loss Pre-emption
£2k – £2k
Annual bad-debt & chargeback avoidance
Total Annual Benefit
£3k – £4k
Combined EBITDA + IFRS 9 reserve release
Audited Turnover & Result: 7,710 (GBP '000) • Operating Result: 159 (GBP '000) • Net Result: 121 (GBP '000)
Wholesale / Senior Debt Facilities: The Company is not financed with external debt. (Note 18)
Statutory Audit Note Disclosure: Customer default risk, merchant settlement risk, and chargeback exposures are key credit risks. The Company manages merchant credit risk related to fees, refunds and chargebacks on a merchant-to-merchant basis, sometimes requiring deposits or guarantees. Credit risk is also present in payment obligations of merchants, receivables from acquirers, investments, and cash held at financial institutions. (Note 18)
2. What Payment Teams Use Today vs. Why Merchant Collapses Still Slip Through
| Existing Tooling Layer | What It Checks | The Structural Blind Spot | How RecoupIQ Closes It |
|---|---|---|---|
| 1. Legacy Credit Bureaus Experian, Creditsafe, Equifax, Dun & Bradstreet | Day-0 onboarding KYB & static annual balance sheets | 30-to-60 day batch lag on Gazette Winding-Up Petitions, High Court claims, and director resignations (TM01) | Day-1 Court, Gazette Rule 7.10 & Companies House streaming triggers before T+1 payout |
| 2. Transaction Fraud Engines Stripe Radar, Adyen RevenueProtect, Sift, Featurespace | Stolen consumer cards, BIN velocity, device fingerprinting | Zero visibility into whether the UK merchant (CRN) receiving the payout is about to enter liquidation | Scores the UK corporate counterparty (CRN) in <150ms (`ALLOW` | `HOLD` | `BLOCK`) |
| 3. Open Banking Consents Plaid, TrueLayer, Yapily AIS feeds | Merchant bank account balances (when connected) | 90-day OAuth re-authentication drop-off; distressed directors revoke bank feeds first | Zero merchant consent required; 100% continuous coverage across all 5.3M UK companies |
3. Commercial Pricing & Unit Economics (30x+ Single-Collapse ROI)
Step 1 • Proof of Value
£0 Historical Backtest
Test 10 to 50 of Mollie UK’s past merchant write-offs or chargeback defaults right now. We show the exact date RecoupIQ would have triggered
HOLD or BLOCK prior to collapse.Step 2 • Shadow Pilot / Growth API
£1,495/mo (or £0.05/check)
Includes 30,000 synchronous pre-payout checks/month + daily Gazette Rule 7.10, CCJ & director-exodus webhooks across your active UK merchant book.
The Payback Math
1 Intercept = 32x ROI
Preventing a single mid-sized UK merchant default or C2B chargeback wave (£48,500–£85,000 average loss) pays for 2.5+ years of the RecoupIQ API on day one.
Direct Founder Access • Zero NDA Required to Test
Run a 60-Second Backtest or Speak Directly With Alex
Paste 10 to 50 UK Company Registration Numbers (CRNs) into our self-serve backtest workbench, or email contact@recoup-iq.tech with your phone number and Alex will call you directly for a 10-minute walkthrough of Mollie UK’s statutory exposure model.