--- title: "Owl Payments Limited · Authorised Payment Institution (FCA) · United Kingdom | Elucidate" description: "Owl Payments Limited is authorised by FCA as an authorised payment institution in the United Kingdom. Licence 946444. LEI 8755002GDP49I7HT1450. Register status, licences, activities and ownership." url: https://elucidate.co/directory/owl-payments-limited-3e72c1662cae --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Owl Payments Limited United Kingdom · Payments & e-money # Owl Payments Limited Owl Payments Limited is a private limited company registered in England and Wales, with its office in London. The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017, under reference 946444. TripAdvisor UK Holdco Limited owns the firm. Its ultimate parent is Tripadvisor, Inc. of the United States. Its accounts describe it as a payment service provider for affiliate companies in the Tripadvisor group. It collects card payments for Viator bookings as limited payment collection agent of the tour suppliers, and it is one of the group companies that pay commissions to Viator partners. Register status Licensed in the United Kingdom Authorised Payment Institution · FCA Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/owl-payments-limited-3e72c1662cae#licences) BIC **No BIC** LEI **[8755002GDP49I7HT1450](https://search.gleif.org/#/record/8755002GDP49I7HT1450)** [Licence no. **946444**](https://elucidate.co/directory/owl-payments-limited-3e72c1662cae#licences) [Group: Tripadvisor, Inc.](https://elucidate.co/directory/group/549300XVG45PT5BART17) ## Licences and registrations Held by Owl Payments Limited (LEI 8755002GDP49I7HT1450). 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 | Authorised Payment InstitutionPayment Institution | 946444 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2022-03-30 | — | - Payment services | [Search the register ↗](https://register.fca.org.uk/s/) | - 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/owl-payments-limited-3e72c1662cae#overview-sources) Customers Not published Employees 1 headcount · This entity · 31 Dec 2024 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history/MzQ3OTQ3Njk0MGFkaXF6a2N4/document?format=pdf&download=0) Ownership Group subsidiary TripAdvisor UK Holdco Limited Firm type Merchant acquiring and processing - **Ownership:** TripAdvisor UK Holdco Limited holds 75% or more of the shares and voting rights and is the immediate parent. Tripadvisor, Inc. of the United States is the ultimate parent and controlling entity. - **Direct parent:** TripAdvisor UK Holdco Limited, United Kingdom - **Ultimate owner:** Tripadvisor, Inc., United States - **Head office:** 10 Norton Folgate, E1 6DB London, United Kingdom - **Company register:** Companies House 11884803 - **Incorporated:** 15 Mar 2019 ### Online - **Websites & references:** [viator.com ↗](https://www.viator.com/) - **Official social accounts:** None found Sources · 12 pages consulted 1. [find-and-update.company-information.service.gov.uk/company/11884803/filing-history](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history) 2. [find-and-update.company-information.service.gov.uk/company/11884803/officers](https://find-and-update.company-information.service.gov.uk/company/11884803/officers) 3. [find-and-update.company-information.service.gov.uk/company/11884803/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/11884803/persons-with-significant-control) 4. [find-and-update.company-information.service.gov.uk/company/11884803/filing-history/MzQ3OTQ3Njk0MGFkaXF6a2N4/document?format=pdf&download=0](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history/MzQ3OTQ3Njk0MGFkaXF6a2N4/document?format=pdf&download=0) 5. [find-and-update.company-information.service.gov.uk/company/11884803](https://find-and-update.company-information.service.gov.uk/company/11884803) 6. [viator.com/support/termsAndConditions](https://www.viator.com/support/termsAndConditions) 7. [viator.com/](https://www.viator.com/) 8. [resources.holidaylettings.co.uk/pdf/owl\_payments-terms\_for\_rental\_owners\_v1.pdf](https://resources.holidaylettings.co.uk/pdf/owl_payments-terms_for_rental_owners_v1.pdf) 9. [partnerresources.viator.com/resources/commission-and-payouts/](https://partnerresources.viator.com/resources/commission-and-payouts/) 10. [agentcenter.viator.com/resources/commission-and-payments/](https://agentcenter.viator.com/resources/commission-and-payments/) 11. [operatorresources.viator.com/updated-supplier-agreement-august-2026/](https://operatorresources.viator.com/updated-supplier-agreement-august-2026/) 12. [register.fca.org.uk/s/firm?id=0014G00002cSV15QAG](https://register.fca.org.uk/s/firm?id=0014G00002cSV15QAG) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/owl-payments-limited-3e72c1662cae#overview-sources) - **Operates under:** Its own licences The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017, under reference 946444. Its Irish sister company, Owl Payments Europe Limited, is a separate legal entity with its own authorisation. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Financial Conduct Authority United Kingdom | Authorised Payment Institution | 946444 | In its own name | Active | [register.fca.org.uk ↗](https://register.fca.org.uk/s/firm?id=0014G00002cSV15QAG) | 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](https://elucidate.co/directory/owl-payments-limited-3e72c1662cae#overview-sources) - **Safeguarding:** Segregated safeguarding accountsAccording to its payment terms for Tripadvisor Rentals owners, the firm safeguards money credited to payment accounts in designated accounts at mainstream banks, which hold client money only and are not covered by the Financial Services Compensation Scheme. [resources.holidaylettings.co.uk ↗](https://resources.holidaylettings.co.uk/pdf/owl_payments-terms_for_rental_owners_v1.pdf) 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](https://elucidate.co/directory/owl-payments-limited-3e72c1662cae#overview-sources) - Merchant acquiring - Payouts and mass payments It processes payments for Tripadvisor group marketplaces, including card payments for Viator bookings and commission payouts to Viator travel agents and affiliates. According to its accounts, its turnover comes from payment processing services invoiced to group affiliates. It operates under its UK authorisation. According to Viator, EU-based operators may be onboarded instead with the Irish sister company Owl Payments Europe Limited, which the Central Bank of Ireland regulates. - **Revenue:** GBP 2.43mThis entity · 31 Dec 2024 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history/MzQ3OTQ3Njk0MGFkaXF6a2N4/document?format=pdf&download=0) - **Sells to:** Consumers · Small businesses · Platforms and marketplaces - **Serves customers in:** United Kingdom ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/owl-payments-limited-3e72c1662cae#overview-sources) - **Executive:** Salma Javid Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/officers) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/owl-payments-limited-3e72c1662cae#overview-sources) 1. Aug 2026 Leadership Director Ryan Huntley Brown left the board on 12 August 2026, according to a filing at Companies House. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history) 2. Jun 2026 Leadership Director Kari Jorgenson left the board on 1 June 2026, eleven months after her appointment. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history) 3. Jul 2025 Leadership Kari Jorgenson joined the board on 1 July 2025. Directors Linda Cristine Frazier and Sarah Jo Wellman stepped down the same day. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history) 4. Jul 2025 Other The firm moved its registered office from 7 Soho Square to 10 Norton Folgate, London, on 10 July 2025. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history) 5. Apr 2025 Leadership Salma Javid joined the board as a director on 14 April 2025. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history) 6. Sep 2024 Leadership Ryan Huntley Brown joined the board on 30 September 2024. Linda Cristine Frazier followed on 7 October 2024. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/filing-history) 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:** 946444 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [8755002GDP49I7HT1450 ↗](https://search.gleif.org/#/record/8755002GDP49I7HT1450) - **How the LEI was matched:** Matched by Elucidate on the UK company number the register gives - **Companies House no.:** [11884803 ↗](https://find-and-update.company-information.service.gov.uk/company/11884803) - **Elucidate firm ID:** 3e72c1662cae ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) · Europe & Central Asia - **First registered:** 2022-03-30 - **Website:** [www.viator.com ↗](https://www.viator.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 - **Ultimate parent:** Tripadvisor, Inc. · United States[549300XVG45PT5BART17 ↗](https://search.gleif.org/#/record/549300XVG45PT5BART17) The Tripadvisor, Inc. group has 2 institutions in the directory, in 2 countries: none holds a BIC. Including [Owl Payments Europe Limited](https://elucidate.co/directory/owl-payments-europe-limited-413d02c3037a). [See the Tripadvisor, Inc. group →](https://elucidate.co/directory/group/549300XVG45PT5BART17) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Persons with significant control Companies House · company [11884803 ↗](https://find-and-update.company-information.service.gov.uk/company/11884803) · as at 9 October 2026 Companies House lists 1 person with significant control for Owl Payments Limited: 1 company. | Name | Type | Nature of control | Notified | | --- | --- | --- | --- | | Tripadvisor Uk Holdco Limited | Company · Companies Act 2006 | 75–100% of shares · 75–100% of votes · Can appoint or remove directors | 15 March 2019 | Companies report persons with significant control to Companies House. Elucidate has not verified them. A person with significant control holds more than 25% of the shares or votes, can appoint or remove the board, or has significant influence or control. Dates of birth and addresses are not shown. Matched on the Companies House number that the FCA register gives for this firm. [See the register at Companies House ↗](https://find-and-update.company-information.service.gov.uk/company/11884803/persons-with-significant-control) ## Addresses - **Address on the register:** 10, Norton Folgate, London, E1 6DB - **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 8755002GDP49I7HT1450 Owl Payments Limited E1 6DB London GB 10, Norton Folgate ``` 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 - [Owl Payments Europe Limited No BIC Payments & e-money Prudential licence Ireland · Licensed by Central Bank of Ireland · C515616 (EBA-PSD2) · LEI 875500OWHA76EJVVNJ18](https://elucidate.co/directory/owl-payments-europe-limited-413d02c3037a) [All 2 institutions in the Tripadvisor, Inc. group →](https://elucidate.co/directory/group/549300XVG45PT5BART17) ### 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. - **Persons with significant control**—Companies House · [source ↗](https://download.companieshouse.gov.uk/en_pscdata.html) as at 9 October 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. ## 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.