United Kingdom · Payments & e-money
Paypoint Payment Services Limited
PayPoint Payment Services Limited is a private limited company registered in England and Wales with its seat in Welwyn Garden City. The FCA authorises it as an authorised payment institution under the Payment Services Regulations 2017, with FRN 608277. PayPoint plc is its immediate parent and controlling party. It provides open banking account information and payment initiation services, OpenPay bank payouts and Cash Out vouchers to UK organisations and their customers.
Licences and registrations
Held by Paypoint Payment Services Limited (LEI 98450056A95808B9C129). 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 | 608277 | United Kingdom | Active | 2018-03-01 | — |
|
Search the register ↗ |
- 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
- PAOCGB22XXX 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 PAOCGB22 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
- 2023-01-07
- Last updated
- 2023-01-07
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
PayPoint plc
Firm type
Open banking
Trades as PayPoint
- Ownership
- PayPoint plc, a UK listed company, holds 75% or more of the shares and voting rights and is the firm's immediate parent and ultimate controlling party.
- Direct parent
- PayPoint plc ↗, United Kingdom
- Head office
- 1 The Boulevard, Shire Park, AL7 1EL Welwyn Garden City, United Kingdom
- Company register
- Companies House 08633289
- Incorporated
- 1 Aug 2013
Online
- Websites & references
- paypoint.com ↗
paypointbusiness.com ↗ PayPoint group business and corporate site, which markets the firm's OpenPay and open banking services
open.paypoint.uk ↗ OpenPay payment redemption site operated by the firm - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗
Sources · 17 pages consulted
- find-and-update.company-information.service.gov.uk/company/08633289
- find-and-update.company-information.service.gov.uk/company/08633289/officers
- find-and-update.company-information.service.gov.uk/company/08633289/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/08633289/filing-history
- find-and-update.company-information.service.gov.uk/company/08633289/filing-history/MzU0NjUyMTczNGFkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7
- register.fca.org.uk/s/firm?id=001b000002C5UhCAAV
- paypoint.com/media/patbodnn/paypoint-payment-services-limited-end-user-terms-of-service-copy.pdf
- paypoint.com/legal
- assets.applytosupply.digitalmarketplace.service.gov.uk/g-cloud-14/documents/707416/148751448502185-terms-and-conditions-2024-05-01-1346.pdf
- paypointbusiness.com/multichannel-payments-solutions/payment-solutions/open-banking/open-payments-solution
- paypointbusiness.com/corporate/our-group/executive-committee-and-board
- paypointbusiness.com/corporate/our-group/group-companies
- openbanking.org.uk/regulated-providers/paypoint-digital/
- open.paypoint.uk/
- corporate.paypoint.com/investor-centre/announcements/880
- fca.org.uk/news/warnings/paypoint-invest
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017, with FRN 608277. Its terms state that it may provide account information services through agents registered with the FCA as its agents, and that it remains responsible for those services.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 608277 | 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 April 2024 service terms, the firm holds funds paid to it by client organisations in a segregated safeguarded account. It does not name the bank that holds this account.
- Payment schemes and card networks
- Confirmation of Payee (Pay.UK) Direct assets.applytosupply.digitalmarketplace.service.gov.uk ↗
UK Open Banking (account information and payment initiation APIs) Direct openbanking.org.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 provides open banking account information and payment initiation, OpenPay bank payouts of up to GBP 1,000, Cash Out vouchers redeemable at PayPoint stores and Confirmation of Payee checks for UK organisations such as housing, energy, charity and public-sector clients.
Its user terms state that its services are not available to individuals outside the United Kingdom, and its 2026 accounts state that all revenue arose in the United Kingdom.
- Revenue
- GBP 1.45m
- Sells to
- Enterprises · Public sector · Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Christopher Richard Thomas Paul Director (Finance Director, PayPoint group)
- Executive
- David Robert (Rob) Harding Director (Chief Financial Officer, PayPoint plc)
- Executive
- Josephine Sarah Anne (Jo) Toolan Director (Managing Director, Network Services, PayPoint group)
- Executive
- Niamh Margaret Young Director
- Executive
- Simon Coles Director (Managing Director, Digital Payments & Open Banking, PayPoint group)
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed Simon Coles, the PayPoint group's Managing Director for Digital Payments and Open Banking, as a director on 9 September 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Anne Marie Conaty resigned as a director of the firm on 21 April 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Jo Toolan as a director on 28 March 2024. Daniel Vant resigned as a director on the same day.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Alan Christopher Dale resigned as a director of the firm on 6 December 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
- PAOCGB22XXX
- How the BIC breaks down
- PAOCBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 98450056A95808B9C129
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 608277
- 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
- 214d5a496216
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
- 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
- 1 THE BOULEVARD SHIRE PARK 1 WELWYN GARDEN CITY AL7 1EL UNITED KINGDOM
- Operational address
- 1 THE BOULEVARD SHIRE PARK 1 WELWYN GARDEN CITY WELWYN GARDEN CITY AL7 1EL 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>PAOCGB22XXX</BICFI>
<LEI>98450056A95808B9C129</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>PAOCGB22XXX</BICFI>
<LEI>98450056A95808B9C129</LEI>
<Nm>PAYPOINT PAYMENT SERVICES LIMITED</Nm>
<PstlAdr>
<TwnNm>WELWYN GARDEN</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>1 THE BOULEVARD SHIRE PARK 1 WELWYN GARDEN CITY AL7 1EL</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: paypoint.com (official website) · original.
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