United Kingdom · Payments & e-money
Debit Finance Collections PLC
Debit Finance Collections Plc (DFC) is a public limited company registered in England and Wales, with its office in Newcastle upon Tyne. The Financial Conduct Authority (FCA) authorises it as a payment institution under firm reference number 756925. According to its 2025 accounts, it belongs to the Xplor Technologies group and its ultimate controlling party is Advent International Corporation. It collects Direct Debit membership payments on behalf of gyms, leisure centres and other health and fitness businesses in the United Kingdom.
Licences and registrations
Held by Debit Finance Collections PLC (LEI 9845009011DFMI471293). 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 | 756925 | United Kingdom | Active | 2018-05-18 | — |
|
Search the register ↗ |
Trading names on the register: Xplor (FCA-PSD), Legend (FCA-PSD), DFC (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
- DFCLGB22XXX 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 DFCLGB22 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
- 2022-12-03
- Last updated
- 2022-12-03
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
Transserv UK Limited
Firm type
Merchant acquiring and processing
Trades as DFC
- Standing
- The firm was incorporated as Leisure Finance (D.D.) PLC on 21 August 1997 and took its current name on 3 May 2000. In November 2023 Companies House published a first Gazette notice for compulsory strike-off. The action was discontinued in December 2023.
- Ownership
- Transserv UK Limited holds 75% or more of the firm's shares and voting rights, and the firm is a wholly owned subsidiary of AI Sky UK Holdco Limited, whose ultimate parent AI Sky UK (Cayman) Limited is owned by funds managed by Advent International Corporation.
- Direct parent
- Transserv UK Limited, United Kingdom
- Ultimate owner
- AI Sky UK (Cayman) Limited, Cayman Islands
- Head office
- 1st Floor, Central Square South, Orchard Street, NE1 3AZ Newcastle upon Tyne, United Kingdom
- Company register
- Companies House 03422873
- Incorporated
- 21 Aug 1997
- Former name
- LEISURE FINANCE (D.D.) PLC
Online
- Websites & references
- debitfinance.co.uk ↗
dfcdata.co.uk ↗ client login portal - Official social accounts
- LinkedIn ↗
Sources · 9 pages consulted
- debitfinance.co.uk/legal/
- debitfinance.co.uk/
- find-and-update.company-information.service.gov.uk/company/03422873
- find-and-update.company-information.service.gov.uk/company/03422873/officers
- find-and-update.company-information.service.gov.uk/company/03422873/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/03422873/filing-history
- find-and-update.company-information.service.gov.uk/company/03422873/filing-history/MzU0Mjg1MDQyNWFkaXF6a2N4/document?format=pdf&download=0
- debitfinance.co.uk/solutions/direct-debit-collections/
- debitfinance.co.uk/blog/business-eligible-bacs-service-user-number/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as a payment institution under firm reference number 756925. The record shows the authorisation active since 18 May 2018.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 756925 | In its own name | Active | debitfinance.co.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 accountsThe firm states that it keeps clients' balances in a safeguarded bank account in its own name and reconciles client accounts daily.
- Payment schemes and card networks
- Bacs Direct Debit Through a partner debitfinance.co.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
It collects recurring Direct Debit membership payments for health and fitness, leisure and entertainment businesses, either under its own Bacs Service User Number or under the client's, and provides online sign-up, member services and reporting.
According to its 2025 accounts, most of its revenue is earned in the United Kingdom and it has no significant transactions outside the United Kingdom.
- Revenue
- GBP 11.8m
- Sells to
- Small businesses · Enterprises
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Anthony Carabin Director and Company Secretary
- Executive
- Nicola Dorothy McGuiness-Brown Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Pamela Ann Joseph resigned as a director of the firm on 18 November 2025.
find-and-update.company-information.service.gov.uk ↗ -
Other
Companies House discontinued compulsory strike-off action against the firm after the late filing of its 2022 accounts.
find-and-update.company-information.service.gov.uk ↗ -
Other
Companies House published a first Gazette notice for compulsory strike-off of the firm.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Nicola Dorothy McGuiness-Brown as a director on 19 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
- DFCLGB22XXX
- How the BIC breaks down
- DFCLBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9845009011DFMI471293
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 756925
- 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
- 4917e8d3136d
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.debitfinance.co.uk ↗
- 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
- CENTRAL SQUARE SOUTH FLOOR 1 ORCHARD STREET NEWCASTLE UPON TYNE NE1 3AZ UNITED KINGDOM
- Operational address
- CENTRAL SQUARE SOUTH FLOOR 1 ORCHARD STREET NEWCASTLE UPON TYNE NEWCASTLE UPON TYNE NE1 3AZ 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>DFCLGB22XXX</BICFI>
<LEI>9845009011DFMI471293</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>DFCLGB22XXX</BICFI>
<LEI>9845009011DFMI471293</LEI>
<Nm>DEBIT FINANCE COLLECTIONS PLC</Nm>
<PstlAdr>
<TwnNm>NEWCASTLE UPON TYNE</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>CENTRAL SQUARE SOUTH FLOOR 1 ORCHARD STREET NEWCASTLE UPON TYNE NE1</AdrLine>
<AdrLine>3AZ</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.
- 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: debitfinance.co.uk (official website) · original.
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