United Kingdom · Payments & e-money
Agpaytech LTD
Legal name in the LEI recordAGPAYTECH LTD.
AGPAYTECH LTD. is a private limited company incorporated in England and Wales in 2012 and based in London. The FCA authorises it as an Authorised Payment Institution under firm reference number 585091. According to Companies House, Richard Amoah holds 75% or more of its shares and voting rights. Under the ATL Money Transfer brand it sends consumer remittances, mainly to Africa, and it also offers payment services and white-label remittance platforms to businesses.
Licences and registrations
Held by Agpaytech Ltd. (LEI 98450000B02D137A7292). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 585091 | United Kingdom | Active | 2018-04-26 | — |
|
Search the register ↗ |
Trading names on the register: ATLFx (FCA-PSD), ATL Money (FCA-PSD), Afrikash.com (FCA-PSD), AfriKash (FCA-PSD)
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- AGPYGB22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of AGPYGB22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2019-12-07
- Last updated
- 2023-08-01
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Privately held
Firm type
Money remittance
Trades as ATL Money Transfer
- Standing
- According to the ATL Money Transfer website, Agpaytech has temporarily stopped onboarding new customers and accepting new funds from payment service users. It says this is part of a voluntary undertaking with the FCA. No start date was published in the sources reviewed.
- Ownership
- Companies House records Richard Amoah as the sole person with significant control, holding 75% or more of the shares and voting rights.
- Major shareholder
- Richard Amoah
- Head office
- 3rd Floor, 86-90 Paul Street, EC2A 4NE London, United Kingdom
- Company register
- Companies House 07952651
- Incorporated
- 16 Feb 2012
- Former name
- ATLANTIQUE FINANCIAL SERVICES LIMITED
Online
- Websites & references
- agpaytech.com ↗
atlmoneytransfer.com ↗ ATL Money Transfer consumer remittance site
agpaytech.co.uk ↗ business services site - Official social accounts
- None found
Sources · 10 pages consulted
- find-and-update.company-information.service.gov.uk/company/07952651
- find-and-update.company-information.service.gov.uk/company/07952651/officers
- find-and-update.company-information.service.gov.uk/company/07952651/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/07952651/filing-history
- register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7
- psr.org.uk/media/gsxk2v21/fps-participants-list-june-2024.pdf
- agpaytech.com/
- atlmoneytransfer.com/
- agpaytech.co.uk/about
- infinitcard.com/pages/business-partner-details/3495935860
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an Authorised Payment Institution under the Payment Services Regulations, firm reference number 585091. The firm says it has agreed with the FCA to pause onboarding new customers and accepting new funds.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 585091 | In its own name | Active | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Payment schemes and card networks
- Faster Payments Access not stated psr.org.uk ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
Under the ATL Money Transfer brand it sends money from the UK to Africa and Europe by bank transfer, cash pickup and mobile wallet top-up. For businesses it offers payment services, white-label remittance platforms and what it calls a regulatory umbrella.
It serves senders from the UK under its FCA authorisation, and its transfers pay out mainly in West and Central Africa.
- Sells to
- Consumers · Small businesses · Platforms and marketplaces
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Abdoul Aziz Sylla Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Richard Amoah resigned as a director of the firm on 10 October 2024. He remains its person with significant control.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Abdoul Aziz Sylla as a director on 18 March 2024.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Directors Dhruv Patel and Maria Oluwarantimi Fearon resigned from the board on 2 October 2023.
find-and-update.company-information.service.gov.uk ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- AGPYGB22XXX
- How the BIC breaks down
- AGPYBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 98450000B02D137A7292
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 585091
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- 60d852f9b22f
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- Licensed in
- United Kingdom
- Website (register)
- www.agpaytech.com ↗
- Country · region
- United Kingdom · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 86-90 PAUL STREET FLOOR 3RD LONDON EC2A 4NE UNITED KINGDOM
- Operational address
- 86-90 PAUL STREET FLOOR 3RD LONDON LONDON EC2A 4NE UNITED KINGDOM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>AGPYGB22XXX</BICFI>
<LEI>98450000B02D137A7292</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>AGPYGB22XXX</BICFI>
<LEI>98450000B02D137A7292</LEI>
<Nm>AGPAYTECH LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>86-90 PAUL STREET FLOOR 3RD LONDON EC2A 4NE</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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