Services · Ecommerce development · Financial product marketplaces

Financial marketplaces built around UK regulation, from the first listing to payout.

Codeeo provides financial product marketplace website development across the UK for operators who list products and services from several regulated providers: comparison businesses, broker networks, lending and insurance introducers, and fintech platforms. We build the customer marketplace, the provider portal and the operator admin, connected to UK payment rails, credit and identity data and your providers' systems. The design principle is simple: the platform should only let you do what your permissions allow, and it should be able to prove what every customer was shown.

Codeeo has no UK office. We work with UK clients remotely, and discovery, design reviews, sprint demos and acceptance testing all run by video call, with recordings and a written decision log your compliance function can keep. That suits operators whose teams, providers and principal firm are spread across several cities, because everyone joins the same sessions and reads the same record.

Built for
UK comparison operators, broker networks, credit and insurance introducers, wealth platforms and fintech firms launching or rebuilding a multi provider financial marketplace.
Typical timeline
Agreed at the end of discovery, once your authorisation route, product categories, launch providers and integrations are settled, and tracked through written milestones with compliance gates.
What you own
All source code and infrastructure, customer and provider data, consent and disclosure records, the commission ledger and your accounts with payment and data providers.
Rated
4.7 / 5 from 23 Google reviews

200+ companies servedFrom a first store to an ADX listed developer

Modon
Majid Al Futtaim
HP
Belkin
Dulsco Group
OneClickDrive
Hanayen
HMS
Clocksprings
Ghezlan

What we build across the UK

The parts of a marketplace that UK regulators and providers look at first.

A UK financial marketplace sits under several regimes at once. The FCA governs the regulated activities it carries out and the promotions it publishes, and the Consumer Duty asks for good outcomes and fair value. The Payment Services Regulations decide how customer money can move through the platform. UK GDPR and PECR, supervised by the ICO, cover data and consent. The Digital Markets, Competition and Consumers Act 2024 already bans drip pricing and fake reviews, and the Equality Act 2010 expects services to be usable by disabled customers.

Financial services marketplace platform development in the UK also has to respect differences between the four nations: property taxes, income tax bands and legal systems vary. The capabilities below are the national building blocks. Discovery decides which you need at launch, and which can follow once the first category is working.

Explain your project
  • Permission aware listing rules

    Each provider is verified against the FCA Financial Services Register and Companies House, and its permissions are mapped to the product categories it may list. The operator's own permissions, or its principal firm's, decide which activities the platform performs. If a provider's status changes, scheduled checks pause its listings automatically.

    No product appears that the provider or operator is not permitted to offer.

  • Financial promotion approval

    Product pages, guides, emails and adverts move through an approval queue where an authorised person signs off each version. The approved version is stored with the approver and date, and anything edited after approval goes back into the queue. Providers' own wording follows the same route before publication.

    Every promotion on the site has a recorded approval.

  • Nation aware calculators

    Mortgage, property tax, take home pay and pension calculators adjust to where the customer lives or buys: Stamp Duty Land Tax in England and Northern Ireland, Land and Buildings Transaction Tax in Scotland and Land Transaction Tax in Wales, with Scottish income tax bands where relevant. Rate tables are edited in the admin.

    Customers in all four nations see figures that apply to them.

  • Identity, credit and Open Banking data

    Identity verification, soft credit searches and Open Banking account information give providers a clear view of each applicant with consent. Applicants share data once and choose which providers receive it. Every share is logged with purpose and wording, which supports both UK GDPR accountability and providers' own checks.

    Better qualified applications with a clean consent trail.

  • Payments on UK rails

    Customer fees can be paid by card with Strong Customer Authentication, by Open Banking pay by bank, or by Direct Debit for recurring services. Where funds belong to partners, a regulated marketplace payment provider splits them, because relying on the commercial agent exclusion in the Payment Services Regulations is narrow and needs legal advice.

    Money moves lawfully and settles on time.

  • Commission ledger and statements

    Introductions carry a reference through to completion, commission and fees are matched to provider statements, and partners download their own statements. VAT treatment differs between exempt financial intermediation and standard rated services, so each fee type carries the treatment your accountant confirms, and exports suit common UK accounting software.

    Finance closes the month with figures everyone agrees.

  • Consumer Duty evidence

    Reports show outcomes by customer group, acceptance and decline rates, complaint themes, vulnerability flags and the costs customers actually paid. These feed your annual board report and help you show that products listed offer fair value and that customers understand them.

    Your board can see and evidence customer outcomes.

  • Complaints and ombudsman routing

    Complaints are logged, assigned to the operator or the responsible provider, and tracked against DISP deadlines. Final responses are stored, and customers are told about their right to refer to the Financial Ombudsman Service. Where a provider is covered by the Financial Services Compensation Scheme, listings can say so accurately.

    Complaints close on time with a full record.

  • Paid memberships and extras

    Some marketplaces sell a non financial extra, such as a premium credit report service or a paid membership. These follow the Consumer Contracts Regulations, including cancellation rights, and the DMCC Act's subscription contract rules are expected in 2027, so renewal reminders and easy cancellation are built in from the start.

    Paid extras stay compliant as the rules tighten.

  • Regional pages and search foundations

    National marketplaces win search traffic city by city. We build indexable category and regional pages for places such as London, Manchester, Birmingham, Glasgow, Cardiff and Belfast, each with genuinely local content, structured data for products and reviews, fast Core Web Vitals and clean internal linking, so customers searching locally land on a page written for them.

    Organic visibility grows region by region instead of relying on paid traffic.

Who this is for

Four national operators a UK marketplace build suits.

Financial marketplaces in the UK range from national comparison brands to specialist platforms serving a single type of customer. The common need is a platform that can grow across product categories and nations without being rebuilt each time, and that a regulator, auditor or principal firm can inspect without surprises. These are the operators we most often work with.

Rollout across the country is usually staged. A first category launches nationally online, regional content follows for the cities where demand and provider coverage are strongest, and further nations or categories are added once complaint and outcome data show the first release is working for customers.

01

A comparison business adding a new category

You compare one product well and want to add another, such as moving from car insurance into breakdown or from loans into credit cards. Each category brings new permissions, data and providers. We build categories as modules on a shared core of identity, consent, ledger and complaints, so the second category takes less effort than the first.

Permissions for the new category are confirmed before scoping.

02

A broker network serving several regions

Members in England, Scotland, Wales and Northern Ireland need one platform that routes customers fairly and respects local rules. We build routing by postcode, specialism and capacity, nation aware calculators, and reporting that shows the network how introductions are distributed.

03

A provider opening its platform to third parties

A lender, insurer or wealth platform may want to offer partner products to customers it cannot serve directly. We add a partner marketplace to your existing site with consent capture, referral tracking and partner statements, keeping your brand and customer relationship in front.

Referrals only happen with the customer's agreement.

04

A fintech preparing for authorisation

Many founders launch as appointed representatives and later apply for their own permissions. We build the platform so the switch is a configuration change rather than a rebuild: approval workflows, management information and complaint handling already meet the standard the FCA will expect at the gateway.

Six stages to a marketplace that scales across the UK.

  1. 01Regulatory and commercial mappingPermissions, principal firm arrangements, revenue model, payment flows and provider contracts are mapped together, so the platform design follows what is lawful and profitable.
  2. 02Category and nation scopeWe list each product category, its data and its providers, then note where England, Scotland, Wales and Northern Ireland differ.
  3. 03Design and promotion reviewComparison, application and checkout screens are designed, tested with customers and reviewed by your compliance lead as financial promotions.
  4. 04Core platform buildIdentity, consent, ledger, complaints and admin are built first as a shared core, then the first category and provider portal on top.
  5. 05Security and accessibility assurancePenetration testing, WCAG 2.2 AA checks and payment provider certification run before live data is collected.
  6. 06Launch and national rolloutThe first category goes live with monitoring and redirects, then further categories, providers and regional content follow in planned releases.

Technology

What we build this with.

We typically use Next.js for fast comparison pages, Laravel or Node for the platform core, a headless CMS for guides, UK identity, credit and Open Banking providers, a regulated payment provider for splits, and UK hosted cloud infrastructure with documented integrations your team can maintain. Provider connections are built behind one integration layer, so adding a lender or insurer later is configuration and testing rather than new architecture.

01Web

  • React
  • Next.js
  • TypeScript
  • Node.js
  • Laravel
  • WordPress

02Commerce

  • Shopify Plus
  • WooCommerce
  • BigCommerce
  • Headless storefronts

03Data and cloud

  • PostgreSQL
  • MySQL
  • MongoDB
  • AWS
  • Azure
  • Docker

04Marketing and tracking

  • GA4
  • Google Tag Manager
  • Search Console
  • Meta Pixel
  • Looker Studio

Questions UK operators ask about financial marketplace builds

With discovery that maps permissions, providers, payment flows and the first product category.

We begin by understanding how you earn and which regulated activities the platform will carry out, then which providers will list and what data they need. Payment flows come next, because how money moves decides which payment provider you need. From there we agree the first release, a written scope and the people on your side who approve promotions and accept releases. Design only starts once these are settled.

Tell us what the business needs. We will tell you what to build first.

Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.

Get in touch

PROVEN RESULTS

4.7 / 5from 23 Google reviews