--- title: "Aperidata Ltd · Registered Account Information Service Provider (FCA) · United Kingdom | Elucidate" description: "Aperidata Ltd is registered with FCA as a registered account information service provider in the United Kingdom. Licence 949181. LEI 2549009XQETUYO854E50. Register status, licences, activities and ownership." url: https://elucidate.co/directory/aperidata-ltd-2e3d06dc157e --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Aperidata Ltd United Kingdom · Payments & e-money # Aperidata Ltd Trading as AperiData 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. Register status Registered in the United Kingdom (small-firm regime) Registered Account Information Service Provider · FCA Small-firm registration [1 licence or registration ↓](https://elucidate.co/directory/aperidata-ltd-2e3d06dc157e#licences) BIC **No BIC** LEI **[2549009XQETUYO854E50](https://search.gleif.org/#/record/2549009XQETUYO854E50)** [Licence no. **949181**](https://elucidate.co/directory/aperidata-ltd-2e3d06dc157e#licences) [Group: Paypoint PLC](https://elucidate.co/directory/group/5493004YKWI8U0GDD138) ## 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 & RAISPs](https://elucidate.co/directory/register/fca-psd) FCA | Registered Account Information Service ProviderAccount Information Service Provider | 949181 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2022-04-12 | — | - Account information | [Search the register ↗](https://register.fca.org.uk/s/) | 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](https://elucidate.co/directory/aperidata-ltd-2e3d06dc157e#overview-sources) Customers Not published Employees 9 headcount · This entity · 30 Sep 2025 · [regulatory filing ↗](https://find-and-update.company-information.service.gov.uk/company/10979997/filing-history/MzQ5ODI1OTc5MWFkaXF6a2N4/document?format=pdf&download=0) 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 ↗](https://search.gleif.org/#/record/5493004YKWI8U0GDD138), 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 ↗](https://www.aperidata.com/) [api.aperidata.io ↗](https://api.aperidata.io/api/schema/redoc/) developer API documentation [status.aperidata.io ↗](https://status.aperidata.io/) service status page - **Official social accounts:** None found Sources · 12 pages consulted 1. [find-and-update.company-information.service.gov.uk/company/10979997](https://find-and-update.company-information.service.gov.uk/company/10979997) 2. [find-and-update.company-information.service.gov.uk/company/10979997/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/10979997/persons-with-significant-control) 3. [find-and-update.company-information.service.gov.uk/company/10979997/officers](https://find-and-update.company-information.service.gov.uk/company/10979997/officers) 4. [find-and-update.company-information.service.gov.uk/company/10979997/filing-history](https://find-and-update.company-information.service.gov.uk/company/10979997/filing-history) 5. [find-and-update.company-information.service.gov.uk/company/10979997/filing-history/MzQ5ODI1OTc5MWFkaXF6a2N4/document?format=pdf&download=0](https://find-and-update.company-information.service.gov.uk/company/10979997/filing-history/MzQ5ODI1OTc5MWFkaXF6a2N4/document?format=pdf&download=0) 6. [register.fca.org.uk/s/firm?id=0014G00002gFyWOQA0](https://register.fca.org.uk/s/firm?id=0014G00002gFyWOQA0) 7. [aperidata.com/](https://www.aperidata.com/) 8. [aperidata.com/about/](https://www.aperidata.com/about/) 9. [aperidata.com/contact-us/](https://www.aperidata.com/contact-us/) 10. [paypointbusiness.com/corporate/news/paypoint-completes-acquisition-of-aperidata-strengthening-its-open-banking](https://www.paypointbusiness.com/corporate/news/paypoint-completes-acquisition-of-aperidata-strengthening-its-open-banking-capabilities) 11. [paypointbusiness.com/corporate/news/paypoint-announces-investment-in-aperidata](https://www.paypointbusiness.com/corporate/news/paypoint-announces-investment-in-aperidata) 12. [openbankingexpo.com/news/paypoint-makes-investment-in-aperidata/](https://www.openbankingexpo.com/news/paypoint-makes-investment-in-aperidata/) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/aperidata-ltd-2e3d06dc157e#overview-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 ↗](https://register.fca.org.uk/s/firm?id=0014G00002gFyWOQA0) | 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](https://elucidate.co/directory/aperidata-ltd-2e3d06dc157e#overview-sources) - Account information (open banking) 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](https://elucidate.co/directory/aperidata-ltd-2e3d06dc157e#overview-sources) - **Chief executive:** Stephen Ashworth Chief Executive Officer Confirmed 29 Sep 2026 · [aperidata.com ↗](https://www.aperidata.com/about/) - **Executive:** Andrew Bonsall Chief Operations Officer Confirmed 29 Sep 2026 · [aperidata.com ↗](https://www.aperidata.com/about/) - **Executive:** Nicola Dunn Commercial Director Confirmed 29 Sep 2026 · [aperidata.com ↗](https://www.aperidata.com/about/) - **Executive:** Glyn Jackson Head of Engineering Confirmed 29 Sep 2026 · [aperidata.com ↗](https://www.aperidata.com/about/) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/aperidata-ltd-2e3d06dc157e#overview-sources) 1. Jun 2026 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 ↗](https://find-and-update.company-information.service.gov.uk/company/10979997/officers) 2. Jun 2026 Merger / acquisition PayPoint plc completed its acquisition of the firm following an earlier GBP 1 million strategic investment. [paypointbusiness.com ↗](https://www.paypointbusiness.com/corporate/news/paypoint-completes-acquisition-of-aperidata-strengthening-its-open-banking-capabilities) 3. May 2025 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 ↗](https://find-and-update.company-information.service.gov.uk/company/10979997/filing-history/MzQ5ODI1OTc5MWFkaXF6a2N4/document?format=pdf&download=0) 4. May 2024 Funding PayPoint plc invested GBP 1 million in the firm through convertible loan notes, and investor Maven sold its stake to PayPoint. [openbankingexpo.com ↗](https://www.openbankingexpo.com/news/paypoint-makes-investment-in-aperidata/) 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 - **LEI:** [2549009XQETUYO854E50 ↗](https://search.gleif.org/#/record/2549009XQETUYO854E50) - **How the LEI was matched:** Matched by Elucidate on the UK company number the register gives - **Elucidate firm ID:** 2e3d06dc157e ## Profile - **Type:** Payments & e-money - **Regulation:** Small-firm registration - **Main licence class:** Account Information Service Provider - **Activities:** - Account information - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) · Europe & Central Asia - **First registered:** 2022-04-12 - **Website:** [www.aperidata.com ↗](https://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 Kingdom[5493004YKWI8U0GDD138 ↗](https://search.gleif.org/#/record/5493004YKWI8U0GDD138) 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](https://elucidate.co/directory/park-card-services-limited-pcsegb22). [See the Paypoint PLC group →](https://elucidate.co/directory/group/5493004YKWI8U0GDD138) 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 ```xml 2549009XQETUYO854E50 Aperidata Ltd AL7 1EL Welwyn Garden City GB 1 The Boulevard, Shire Park ``` 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. ## Related institutions ### Same group - [Park Card Services Limited BIC PCSEGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900016 (FCA-EMI) · LEI 213800XVNQIAFMPR3Z27](https://elucidate.co/directory/park-card-services-limited-pcsegb22) [All 2 institutions in the Paypoint PLC group →](https://elucidate.co/directory/group/5493004YKWI8U0GDD138) ### Other payments & e-money institutions in the United Kingdom - [Stonex Financial LTD BIC IGLUGB2L Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 446717 (FCA-PSD) · also on FINTRAC-MSB · LEI 549300AWF3TOHRYL7754](https://elucidate.co/directory/stonex-financial-ltd-iglugb2l) - [Dex International Limited · trading as DEXREMIT No BIC Payments & e-money Crypto Money service business Prudential licence United Kingdom · Licensed by FCA · 503929 (FCA-PSD) · also on HMRC-MLR, FINTRAC-MSB · LEI 9845003995D06S994R04](https://elucidate.co/directory/dex-international-limited-ff2b0c01c725) - [Euronet Payment Services Ltd · trading as Ria Money Transfer, Ria No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 504630 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/euronet-payment-services-ltd-6f4dec33a392) - [Instinet Europe Limited BIC ISNTGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 140822 (FCA-PSD) · LEI 213800MXAKR2LA1VBM44](https://elucidate.co/directory/instinet-europe-limited-isntgb2l) - [Isx Financial UK LTD BIC ISFIGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 901034 (FCA-EMI) · LEI 2138007BDV9IRS8AYD07](https://elucidate.co/directory/isx-financial-uk-ltd-isfigb22) - [Western Union Payment Services GB Limited · trading as Manning House, WU No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 816890 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/western-union-payment-services-gb-limited-0741de977896) - [A to Z 4U Ltd · trading as SAAK REMIT, Saakpay No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 570837 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/a-to-z-4u-ltd-25c2ca0fa3b5) - [Allied Wallet Limited No BIC Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900124 (FCA-EMI) · also on FCA-PSD · LEI 213800HO66BDXP716G24](https://elucidate.co/directory/allied-wallet-limited-8983cc2e32eb) [See all →](https://elucidate.co/directory/search?type=payments&cc=GB) [Other entries on FCA-PSD →](https://elucidate.co/directory/register/fca-psd) 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 →](https://elucidate.co/directory/methodology) Register for this page - **FCA Financial Services Register - Payment Institutions & RAISPs**—Financial Conduct Authority (FCA) · [source ↗](https://register.fca.org.uk/s/) 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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.