United Kingdom · Payments & e-money
Visa Payments Limited
Visa Payments Limited is a private limited company incorporated in England and Wales, with its head office in London. The Financial Conduct Authority (FCA) authorises it as an authorised payment institution, firm reference number 537580. It is a wholly owned subsidiary of Visa International Service Association, and its ultimate parent is Visa Inc. Visa took control of the firm, then Earthport plc, in May 2019. The firm provides cross-border payouts to bank accounts and digital wallets for financial institutions, aggregators, money service businesses and FX houses. Visa offers the account and wallet payouts of its Visa Direct service through the firm.
Licences and registrations
Held by Visa Payments Limited (LEI 213800RCIAV2VC3HYP60). 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 - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 537580 | United Kingdom | Active | 2018-05-10 | — |
|
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| Money Services Business RegistryFINTRACLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | MSBMoney Transmitter / Remittance | M14414905 | Canada | Active | 2014-08-06 | Renews 2027-10-21 |
|
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Licences and registrations listed here were granted in Canada. This BIC is registered in the United Kingdom.
- 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.
Other register entries with this LEI
Shown for reference: they share the LEI but are not merged into this page
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- EARTGB2LXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under EARTGB2L directly.
- 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
- 2006-08-26
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
100% Visa International Service Association
Firm type
Payment infrastructure
Trades as Visa Payments
- Standing
- The firm was renamed from Earthport Limited to Visa Payments Limited on 28 February 2020, after Visa acquired Earthport plc in May 2019. Companies House published a first notice for compulsory strike-off on 16 September 2025 and discontinued the action on 17 September 2025, after the firm filed its 2024 accounts.
- Ownership
- Visa International Service Association owns 100% of the firm, and Visa Inc. is the ultimate parent and the person with significant control on the Companies House register.
- Direct parent
- Visa International Service Association, United States 100%
- Ultimate owner
- Visa Inc., United States
- Head office
- 1 Sheldon Square, W2 6TT London, United Kingdom
- Company register
- Companies House 03428888
- Incorporated
- 3 Sep 1997
- Former names
- EARTHPORT LIMITED · EARTHPORT PLC · EARTHPORT.COM PLC · ELECTRONIC FUNDRAISING COMPANY PLC
Online
- Websites & references
- visa.co.uk ↗
developer.visa.com ↗ Visa developer documentation for Visa Direct Account and Wallet, which runs through Visa Payments Limited
Wikidata Q19652994 ↗ - Official social accounts
- None found
Sources · 10 pages consulted
- find-and-update.company-information.service.gov.uk/company/03428888
- find-and-update.company-information.service.gov.uk/company/03428888/officers
- find-and-update.company-information.service.gov.uk/company/03428888/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/03428888/filing-history
- find-and-update.company-information.service.gov.uk/company/03428888/filing-history/MzUyMjU0MjMxNGFkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/s/firm?id=001b000000NMalFAAT
- register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7
- visa.co.uk/about-visa/visa-payments-limited-complaints-procedure.html
- developer.visa.com/capabilities/visa-direct-account-and-wallet/docs
- usa.visa.com/about-visa/newsroom/press-releases.releaseId.16366.html
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an authorised payment institution, reference 537580. FINTRAC registers it in Canada as a money services business for money remittance, number M14414905.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 537580 | In its own name | Active | register.fca.org.uk ↗ |
| Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) Canada | Money Services Business registration (money transmitter / remittance) | M14414905 | 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
- Insurance or guaranteeThe firm states that it safeguards regulated client funds mainly through an insurance policy. It holds client funds above the insurance limit in segregated accounts with authorised credit institutions.
- Payment schemes and card networks
- Swift Direct
Local ACH and real-time payment schemes in destination countries Through a partner developer.visa.com ↗
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 delivers cross-border payouts to bank accounts and digital wallets through its network of partner banks and wallet operators, which use local payment schemes. It also provides related FX services. It does not offer its service directly to individual users.
It serves institutional clients from London under its FCA authorisation and holds a FINTRAC money services business registration for Canada. Its directors do not publish a country breakdown of revenue.
- Revenue
- USD 71.9m
- Sells to
- Financial institutions · Platforms and marketplaces · Enterprises
- Serves customers in 2 countries
- United Kingdom · Canada
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Tim Moncrieff Managing Director
- Executive
- Sharon Julie Dean Director
- Executive
- Richard Cusack Company Secretary
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The shareholder resolved to reduce the firm's issued share capital and cancel its share premium account, on the basis of a solvency statement.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Tim Moncrieff became a director and Managing Director, replacing director Doria Mia Ferrante, who resigned the same day.
find-and-update.company-information.service.gov.uk ↗ -
Other
Companies House published a first notice for compulsory strike-off and discontinued it the next day, after the firm filed its 2024 accounts.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Doria Mia Ferrante became a director, replacing Cyril Norman Butler, who resigned on 30 September 2024.
find-and-update.company-information.service.gov.uk ↗ -
Funding
Visa Inc. made an equity injection of USD 10.0 million into the firm, according to its 2025 accounts.
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
- EARTGB2LXXX
- How the BIC breaks down
- EARTBank
- GBCountry · United Kingdom
- 2LLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800RCIAV2VC3HYP60
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 537580
- Licence no. · FINTRAC-MSB
- M14414905
- 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
- aa0bfb320096 · 1424ff2d2b45
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
- Money remittance
- Licensed in
- United Kingdom · Canada
- Website (register)
- www.visa.co.uk/run-your-business/visa-direct.html ↗
- 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 SHELDON SQUARE LONDON W2 6TT UNITED KINGDOM
- Operational address
- 1 SHELDON SQUARE LONDON LONDON W2 6TT 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>EARTGB2LXXX</BICFI>
<LEI>213800RCIAV2VC3HYP60</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>EARTGB2LXXX</BICFI>
<LEI>213800RCIAV2VC3HYP60</LEI>
<Nm>VISA PAYMENTS LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>1 SHELDON SQUARE LONDON W2 6TT</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
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- FCA Financial Services Register - Payment Institutions & RAISPs—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.
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