United Kingdom · Payments & e-money
Psi Pay LTD
Legal name in the LEI recordPSI - PAY LTD
PSI-Pay Ltd is a private limited company registered in England and Wales, with its registered office in Horsham, West Sussex. The FCA authorises it as an electronic money institution under the Electronic Money Regulations 2011, with firm reference number 900011. It is a wholly owned subsidiary of PSI Limited, an Isle of Man company, and Jonathan Amrani is its ultimate controlling party. It runs the Payz e-wallet, formerly ecoPayz, and sponsors card programmes for businesses as a principal member of Mastercard.
Licences and registrations
Held by Psi - Pay LTD (LEI 213800TQ22QLNOWBKC41). 2 entries on 2 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900011 | United Kingdom | Active | 2018-03-13 | — |
|
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| Money Services Business RegistryFINTRACLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Foreign MSB (FMSB)Money Transmitter / Remittance | N300001748 | Canada | Active | 2026-09-03 | Renews 2028-09-03 |
|
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Licences and registrations listed here were granted in Canada. This BIC is registered in the United Kingdom.
Trading names on the register: Payz (FCA-EMI), ecoVoucher (FCA-EMI), codePayz (FCA-EMI)
- 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
- PSPYGB22XXX 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 PSPYGB22 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
- 2025-01-04
- Last updated
- 2025-01-04
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
100% PSI Limited
Firm type
E-money and accounts
Trades as PSI-Pay
- Ownership
- PSI Limited, an Isle of Man company, owns the firm, and Jonathan Amrani controls PSI Limited through a 60% shareholding.
- Direct parent
- PSI Limited, Isle of Man 100%
- Ultimate owner
- Jonathan Amrani (ultimate controlling party, 60% of PSI Limited)
- Major shareholders
- Jonathan Amrani (indirect, via PSI Limited; person with significant control) 60% · 4 Oct 2024
Andrew Vincent Downes (person with significant control) - Head office
- Afon Building, Worthing Road, RH12 1TL Horsham, United Kingdom
- Company register
- Companies House 05899168
- Incorporated
- 8 Aug 2006
Online
- Websites & references
- psi-pay.co.uk ↗
payz.com ↗ Payz e-wallet site (Payz is a brand name of PSI-Pay Ltd) - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗ · X (Payz brand) ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 13 pages consulted
- find-and-update.company-information.service.gov.uk/company/05899168
- find-and-update.company-information.service.gov.uk/company/05899168/officers
- find-and-update.company-information.service.gov.uk/company/05899168/filing-history
- find-and-update.company-information.service.gov.uk/company/05899168/filing-history/MzQ5MTg5MTc5MGFkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/s/firm?id=001b000000m4IWsAAM
- psi-pay.co.uk/
- psi-pay.co.uk/about/
- psi-pay.co.uk/safeguarding-statement/
- psi-pay.co.uk/spotlight/payz/
- payz.com/about/
- payz.com/protecting-your-funds-payz/
- payz.com/policies/complaints/
- itbrief.co.uk/story/mastercard-unveils-bin-sponsor-plus-scheme-for-uk-fintechs
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011, with firm reference number 900011. FINTRAC registered it as a foreign money services business on 3 September 2026.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900011 | In its own name | Active | register.fca.org.uk ↗ |
| Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) Canada | Foreign Money Services Business (FMSB) | N300001748 | In its own name | Active | — |
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 moves customer funds into designated safeguarding accounts, separate from its own funds, by the end of the next business day.
- Payment schemes and card networks
- Mastercard Direct payz.com ↗
Diners Club International / Discover Global Network Direct psi-pay.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 runs the Payz multi-currency e-wallet and issues Mastercard cards for card programme managers under BIN sponsorship.
It serves customers under its FCA authorisation and is registered with FINTRAC as a foreign money services business for Canada.
- Revenue
- GBP 3.24m
- Sells to
- Consumers · Enterprises · Financial institutions · Small businesses
- Serves customers in 2 countries
- United Kingdom · Canada
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Jonathan Amrani
PSI Group Chief Executive Officer; director
- Chief executive
- Andrew Vincent Downes PSI Group Chief Executive Officer; director and company secretary
- Executive
-
Urszula Obolewicz
PSI-Pay UK Chief Operating Officer
- Executive
-
Karolina Wyczolkowska
Head of Finance
- Executive
-
Doron Darmon
Chief Technical Officer
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Mastercard named PSI Pay as one of four founding accredited sponsors in its UK BIN Sponsor Plus programme.
itbrief.co.uk ↗ -
Other
KPMG Audit LLC disclaimed an opinion on the 2024 accounts because of a loan of about GBP 1.9 million to a fellow subsidiary.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Andrew Downes as company secretary, replacing Lincoln Roberts.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Clare Mahood resigned as director and company secretary of the firm.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
The sale of parent PSI Limited was completed after regulatory approval in the UK and Cyprus, and Jonathan Amrani became ultimate controlling party.
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
- PSPYGB22XXX
- How the BIC breaks down
- PSPYBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800TQ22QLNOWBKC41
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900011
- Licence no. · FINTRAC-MSB
- N300001748
- 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: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry IDs
- f8d5678b9075 · 37bf73562b4e
Profile
- Type
- Payments & e-money · Money service businessPayment 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
- 2 entries on 2 registers
- Activities
- Payment services
- E-money / stored value
- Money remittance
- Currency exchange
- Licensed in
- United Kingdom · Canada
- Website (register)
- psi-pay.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
- ST CLEMENT'S HOUSE 27-28 CLEMENT'S LANE LONDON EC4N 7AE UNITED KINGDOM
- Operational address
- ST CLEMENT'S HOUSE 27-28 CLEMENT'S LANE LONDON LONDON EC4N 7AE 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>PSPYGB22XXX</BICFI>
<LEI>213800TQ22QLNOWBKC41</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>PSPYGB22XXX</BICFI>
<LEI>213800TQ22QLNOWBKC41</LEI>
<Nm>PSI PAY LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>ST CLEMENT'S HOUSE 27-28 CLEMENT'S LANE LONDON EC4N 7AE</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 - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Money Services Business Registry—Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) · 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: psi-pay.co.uk (official website) · original; Jonathan Amrani: psi-pay.co.uk (official website) · original; Urszula Obolewicz: psi-pay.co.uk (official website) · original; Karolina Wyczolkowska: psi-pay.co.uk (official website) · original; Doron Darmon: psi-pay.co.uk (official website) · original.
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