United Kingdom · Payments & e-money
Allpay Limited
allpay Limited is a private limited company registered in England and based in Hereford. The FCA authorises it as an electronic money institution under firm reference number 900539. allpay Holdings Limited owns the firm. Its ultimate parent is allpay Group Limited, and founder Tony Killeen is the ultimate controlling party. It collects bill payments for UK local authorities, housing providers and other organisations by cash, card, Direct Debit and Pay by Bank. It also issues prepaid Mastercard cards, including the DOSH e-money account for consumers launched in 2025.
Licences and registrations
Held by Allpay Limited (LEI 254900D5B5LC01BA5D22). 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 - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900539 | United Kingdom | Active | 2018-05-23 | — |
|
Search the register ↗ |
Trading names on the register: Dosh (FCA-EMI)
- 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
- ALYPGB21XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of ALYPGB21 marks a passive participant.
- 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
- 2018-10-06
- Last updated
- 2018-10-06
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
allpay Holdings Limited
Firm type
Merchant acquiring and processing
Trades as allpay
- Ownership
- allpay Holdings Limited (Companies House 11853091) holds 75% or more of the shares and voting rights. The ultimate parent is allpay Group Limited, and the FY2025 accounts name Mr A. M. Killeen as the ultimate controlling party.
- Direct parent
- allpay Holdings Limited, United Kingdom
- Ultimate owner
- allpay Group Limited, United Kingdom
- Head office
- Fortis et Fides, Whitestone Business Park, Whitestone, HR1 3SE Hereford, United Kingdom
- Company register
- Companies House 02933191
- Incorporated
- 26 May 1994
- Founder
- Tony Killeen
- Former names
- ALLPAY.NET LIMITED · FINANCIAL COLLECTION SERVICES LIMITED
Online
- Websites & references
- allpay.net ↗
mydosh.com ↗ DOSH consumer prepaid account site
allpayprepaid.net ↗ prepaid cardholder portal
new.allpayments.net ↗ personal payment site (make a payment)
service-status.allpay.net ↗ service status page
allpay.helpscoutdocs.com ↗ help centre - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗
Sources · 19 pages consulted
- register.fca.org.uk/s/firm?id=001b000002C2q0WAAR
- find-and-update.company-information.service.gov.uk/company/02933191/officers
- find-and-update.company-information.service.gov.uk/company/02933191/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/02933191/filing-history
- find-and-update.company-information.service.gov.uk/company/02933191/filing-history/MzQ5NTM0NzQyNmFkaXF6a2N4/document?format=pdf&download=0
- find-and-update.company-information.service.gov.uk/company/11853091
- allpay.net/news/
- allpay.net/about/
- allpay.net/compliance/
- allpay.net/about/partners/
- allpay.net/solutions/disbursements/prepaid-cards/
- allpay.net/app/uploads/2024/12/Prepaid-Cards-Instant-Issue-Terms-Conditions-0011.pdf
- allpay.net/security-update-phishing-activity-affecting-some-customers/
- allpay.net/news/2018/04/allpay-limited-and-clearbank-join-forces-to-transform-the-uk-prepaid-and-bil
- allpay.net/news/the-bank-of-london-announces-strategic-partnership-with-allpay-limited-to-transform-
- mydosh.com/dosh-public-launch-prepaid-account-unbanked-uk/
- mydosh.com/dosh-prepaid-mastercard-launch/
- paymentsinnovationforum.org/articles/allpay-ltd-introduces-pay-by-bank-to-simplify-everyday-payments-for-customers-an
- globalbankingandfinance.com/allpay-limited-and-clearbank-join-forces-to-transform-the-uk-prepaid-and-bill-payments-ma
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution (FRN 900539), and it issues its prepaid cards under a licence from Mastercard International Incorporated. It describes itself as a Bacs Approved Bureau.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised E-Money Institution | 900539 | In its own name | Active | register.fca.org.uk ↗ |
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
- Safeguarding
- Segregated safeguarding accountsAccording to its FY2025 accounts, the firm held prepaid card client funds in segregated, safeguarded client money accounts and bill payment client funds in segregated client money accounts.
- Settlement bank
- ClearBank United Kingdom
- Settlement bank
- The Bank of London United Kingdom
- Payment schemes and card networks
- Mastercard Direct allpay.net ↗
Bacs Through a partner globalbankingandfinance.com ↗
Faster Payments Through a partner globalbankingandfinance.com ↗
CHAPS Through a partner globalbankingandfinance.com ↗
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
It collects rent, council tax and other bills for public-sector and social-housing clients by cash at retail outlets, card, Direct Debit and Pay by Bank. It also disburses funds through prepaid Mastercard cards and cash payouts, and makes payment cards in-house.
The firm serves UK clients and their customers, and its FY2025 accounts attribute all turnover to the United Kingdom.
- Revenue
- GBP 56.8m
- Payment volume
- GBP 9.6bnannual value of transactions processed (more than 90 million transactions)
- Sells to
- Public sector · Enterprises · Consumers · Financial institutions
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Anthony Martin (Tony) Killeen Chief Executive Officer and director; founder
- Executive
-
Michelle Clare Pacey
Managing Director
- Executive
- Victoria Emily Preece Director of Governance; director
- Executive
- Rebecca Marie Portis Director
- Executive
- Mary Cotton Director
- Executive
- Nicholas Edward Woolley Director
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Other
The firm launched Pay by Bank, an Open Banking account-to-account payment option for organisations and their customers.
allpay.net ↗ -
Security incident
The firm reported that phishing had targeted customers of a small number of its clients. It said it had found no evidence its systems were compromised.
allpay.net ↗ -
Other
The firm opened its DOSH prepaid Mastercard e-money account to users by invitation after a nine-month pilot.
mydosh.com ↗ -
Leadership
The firm appointed Rebecca Marie Portis as a director on 1 January 2026.
find-and-update.company-information.service.gov.uk ↗ -
Other
The firm announced DOSH, a prepaid Mastercard account for unbanked and underbanked UK consumers, at Money20/20 Europe.
mydosh.com ↗ -
Merger / acquisition
The owners incorporated allpay Group Limited as the new ultimate parent and split out the group's restaurant business.
find-and-update.company-information.service.gov.uk ↗ -
Other
The Bank of London agreed a multi-year partnership with the firm to manage payment flows for its prepaid card business.
allpay.net ↗
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
- ALYPGB21XXX
- How the BIC breaks down
- ALYPBank
- GBCountry · United Kingdom
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 254900D5B5LC01BA5D22
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900539
- 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
- 2b0c7ecd95ce
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
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.allpay.net/our-solutions/prepaid ↗
- 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
- FORTIS ET FIDES WHITESTONE HEREFORD WHITESTONE BUSINESS PARK HEREFORD HR1 3SE UNITED KINGDOM
- Operational address
- FORTIS ET FIDES WHITESTONE HEREFORD WHITESTONE BUSINESS PARK HEREFORD HEREFORD HR1 3SE 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+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>ALYPGB21XXX</BICFI>
<LEI>254900D5B5LC01BA5D22</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>ALYPGB21XXX</BICFI>
<LEI>254900D5B5LC01BA5D22</LEI>
<Nm>ALLPAY LIMITED</Nm>
<PstlAdr>
<TwnNm>HEREFORD</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>FORTIS ET FIDES WHITESTONE HEREFORD WHITESTONE BUSINESS PARK HEREFORD</AdrLine>
<AdrLine>HR1 3SE</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
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 - E-Money Institutions—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.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: allpay.net (official website); Michelle Clare Pacey: allpay.net (official website) · original.
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