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PCI-PAL (PCIP) investor relations material
PCI-PAL CMD 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2025 summary11 Nov, 2025
Market Opportunity and Positioning
Addressable market for secure payments in contact centers estimated at $660 million ARR globally, with a serviceable market of GBP 450 million focused on Europe, North America, and ANZ.
Broader contact center solutions market valued at $25–30 billion, expected to grow to $180 billion over the next eight years due to cloud migration and AI adoption.
Positioned as a leader in cloud-based secure payments, with 70% of CCaaS market revenue partners and over 700 customers globally.
High retention rates (GRR 95%, NRR 104%) and strong ARR growth, aiming to reach GBP 50 million in revenues within five years organically.
North America is the largest and fastest-growing market, with enterprise opportunities significantly larger than in the UK.
Strategic Growth and Financial Guidance
Three pillars: cloud leadership, channel model (75–80% of business via resellers), and expanding upmarket to larger contact centers.
Investment phase in FY 2025 with a planned return to profitability by FY 2027; targeting rule of 40 within three years.
Focus on expanding partner ecosystem, deepening relationships, and increasing enterprise customer base.
Driving higher NRR (targeting 110%+ in two years) by cross-selling to existing customers and improving operational gearing.
Accelerating time to revenue through automation, self-service onboarding, and ongoing geographic and product expansion.
Technology and Product Roadmap
Core products: Click to Pay, Key to Pay (DTMF masking), and Speak to Pay (AI-powered speech recognition), covering all payment interactions in CX environments.
Platform transformation from secure payments to a secure engagement platform, integrating fraud management, identity verification, and customer authentication.
New product suite to address broader customer engagement challenges, including fraud screening, secure data collection, and self-service onboarding.
Analytics and data science embedded across the portfolio to measure product performance and value.
AI-ready architecture with conversational AI APIs and alignment to new AI frameworks for seamless integration.
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Next PCI-PAL earnings date
H1 20265 Mar, 2026
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Frequently asked questions
PCI-PAL PLC provides payment card industry (PCI) compliance solutions and telephony services primarily in the United Kingdom, European Union, North America, the Asia Pacific, and the Middle East. The company offers an independent compliance assessment service that is designed to maintain merchants' PCI compliance with Payment Card Industry Data Security Standard (PCI-DSS). Its PCI-PAL Saver service allows customers to make direct payments to an individual or business via a bank account or debit or credit card; and its PCI-PAL Saver Connect service allows customers to send money to others using their mobile number.
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