United Kingdom · Payments & e-money
Aperidata Ltd
Trading asAperiData
Aperidata Ltd is a private limited company registered in England and Wales, with its registered office in Welwyn Garden City. The Financial Conduct Authority (FCA) registers it as an account information service provider under FRN 949181 and authorises it for consumer credit activities under FRN 949387. PayPoint plc has held 75% or more of its shares since June 2026. Under the AperiData brand, which it describes as a real-time credit reference agency, it sells Open Banking data, transaction categorisation, affordability and credit-risk tools to lenders, credit unions, debt advisers and public bodies.
Licences and registrations
Held by Aperidata Ltd (LEI 2549009XQETUYO854E50). 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 & RAISPsFCA | Registered Account Information Service ProviderAccount Information Service Provider | 949181 | United Kingdom | Active | 2022-04-12 | — |
|
Search the register ↗ |
Trading names on the register: AperiData (FCA-PSD)
- 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.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
PayPoint plc
Firm type
Open banking
Trades as AperiData
- Standing
- PayPoint plc became the firm's person with significant control on 23 June 2026, holding 75% or more of its shares. PayPoint announced that it had completed the acquisition on 24 June 2026. The firm moved its registered office from Chester to Welwyn Garden City on 3 July 2026.
- Ownership
- PayPoint plc, which is listed in London, holds 75% or more of the firm's shares and voting rights and has the right to appoint or remove directors, according to Companies House.
- Direct parent
- PayPoint plc ↗, United Kingdom
- Head office
- 1 The Boulevard, Shire Park, AL7 1EL Welwyn Garden City, United Kingdom
- Company register
- Companies House 10979997
- Incorporated
- 25 Sep 2017
- Former name
- 10X DECISIONS LTD
Online
- Websites & references
- aperidata.com ↗
api.aperidata.io ↗ developer API documentation
status.aperidata.io ↗ service status page - Official social accounts
- None found
Sources · 12 pages consulted
- find-and-update.company-information.service.gov.uk/company/10979997
- find-and-update.company-information.service.gov.uk/company/10979997/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/10979997/officers
- find-and-update.company-information.service.gov.uk/company/10979997/filing-history
- find-and-update.company-information.service.gov.uk/company/10979997/filing-history/MzQ5ODI1OTc5MWFkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/s/firm?id=0014G00002gFyWOQA0
- aperidata.com/
- aperidata.com/about/
- aperidata.com/contact-us/
- paypointbusiness.com/corporate/news/paypoint-completes-acquisition-of-aperidata-strengthening-its-open-banking
- paypointbusiness.com/corporate/news/paypoint-announces-investment-in-aperidata
- openbankingexpo.com/news/paypoint-makes-investment-in-aperidata/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA registers the firm as an account information service provider under FRN 949181. The FCA also authorises it for consumer credit activities under FRN 949387, and the firm describes itself as an FCA-authorised credit reference agency.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Registered Account Information Service Provider | 949181 | In its own name | Active | — |
| Financial Conduct Authority United Kingdom | Authorised firm (consumer credit) | 949387 | 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.
Products and markets
Researched 29 Sep 2026 · Sources
It sells Open Banking account connection, transaction categorisation, affordability and credit-decisioning tools, including Open Connect, Categorise, Affordability, Credit Console and SaferBet. Customers use them for onboarding, credit decisions, collections and debt advice.
It serves organisations in the United Kingdom under its FCA registration and authorisation.
- Sells to
- Financial institutions · Enterprises · Public sector
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Stephen Ashworth Chief Executive Officer
- Executive
- Andrew Bonsall Chief Operations Officer
- Executive
- Nicola Dunn Commercial Director
- Executive
- Glyn Jackson Head of Engineering
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Director Ed Adshead Grant resigned from the firm's board on 30 June 2026, according to Companies House.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
PayPoint plc completed its acquisition of the firm following an earlier GBP 1 million strategic investment.
paypointbusiness.com ↗ -
Funding
PayPoint plc agreed to lend the firm up to GBP 500,000, and the full amount had been drawn by 30 September 2025.
find-and-update.company-information.service.gov.uk ↗ -
Funding
PayPoint plc invested GBP 1 million in the firm through convertible loan notes, and investor Maven sold its stake to PayPoint.
openbankingexpo.com ↗
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
- Licence no. · FCA-PSD
- 949181
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate on the UK company number the register gives
- Elucidate firm ID
- 2e3d06dc157e
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
- Small-firm registrationRegistered under a lighter regime for small or exempt firms, e.g. a small payment institution or an account-information service provider.
- Main licence class
- Account Information Service Provider
- Activities
- Account information
- Licensed in
- United Kingdom · Europe & Central Asia
- First registered
- 2022-04-12
- Website
- www.aperidata.com ↗
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
- Direct parent
- Paypoint PLC · United Kingdom5493004YKWI8U0GDD138 ↗
The Paypoint PLC group has 2 institutions in the directory, in 1 country: 1 holds a BIC and 1 does not.
Including Park Card Services Limited.
See the Paypoint PLC group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- 1 The Boulevard, Shire Park, Welwyn Garden City, AL7 1EL
- Country
- United Kingdom
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>2549009XQETUYO854E50</LEI>
<Nm>Aperidata Ltd</Nm>
<PstlAdr>
<PstCd>AL7 1EL</PstCd>
<TwnNm>Welwyn Garden City</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>1 The Boulevard, Shire Park</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
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 →Register for this page
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- 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.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
Book a demo