Atoa Payments Limited

Reference number: 1007647

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks, 1 thing worth a closer look

  • When paywithatoa.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 165 4998 is
  • Whether E14 5RE is a shared office: 28 other firms give it
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Atoa Business Trading name
  • Atoa Pay Trading name
  • Pay with Atoa Trading name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
  • 3. Executing payment transactions (no credit line)
  • 7. Payment initiation services
  • 8. Account information services

Limits on what they may do

  • Agents
    The firm will not onboard any agents.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
13910811
Company status
Active
Company type
Private limited company
Incorporated
11 February 2022 (4 years old)
Registered office
30 Churchill Place, Canary Wharf, London, E14 5EU, England
Nature of business
  • Web portals (SIC 63120)

Directors and company secretaries

Name Role Born Appointed Other companies
Siddhesh Narayanan Director May 1990 11 Feb 2022 None
Cian O'Dowd Director Aug 1990 11 Feb 2022 None
Shwetank Verma Director Jul 1983 12 May 2022 None

In the full report: every company its directors have run

  • Confirmation that these 3 directors run no other company
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Filed accounts and finances

Year to 28 February 2025Full accountsNot audited

Total equity

£3.01m

−36% from £4.69m

Cash at bank

£2.97m

−37% from £4.70m

Owed within a year

£52.0k

−13% from £59.8k

* Cash at bank usually includes customers’ money.

Total equity

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 13910811. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Atoa Payments’s history from the FCA register and Companies House, newest first.

Key events (7) All events (13)

2026

12 June 2026

  • Regulated by the FCA from this date

FCA register

2024

19 December 2024

  • FCA imposed a requirement (Agents)
  • Became an authorised payment institution

FCA register

2023

10 February 2023

  • Cian O'Dowd stopped being a part-owner

Companies House

2022

11 February 2022

  • Incorporated at Companies House
  • Cian O'Dowd became a part-owner (25–50% of shares)
  • Siddhesh Narayanan became a part-owner (25–50% of shares)

Companies House

In the full report: all 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms like Atoa Payments

Other firms of the same type (payment or money transfer firm), nearest first.

In the East London (E) postcode area

Uber Payments UK LimitedLondonAuthorisedWepay Payments Ltd.LondonAuthorisedFlywire Payments LimitedLondonAuthorisedWorld First UK LimitedLondonAuthorisedPayler LtdLondonAuthorisedEcommerce Technologies LTDLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Atoa Payments

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 13 events in its history

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Frequently asked questions about this firm

Is Atoa Payments Limited FCA authorised?
Yes, Atoa Payments Limited (FRN 1007647) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2024 and works as a payment or money transfer firm. The FCA has placed a limit on what it may do.
What is Atoa Payments’ phone number and website?
The FCA register lists the phone number 0330 165 4998 and the website paywithatoa.co.uk/pay for Atoa Payments. If you were given different contact details, use these to check with the firm before going any further.
Is Atoa Payments a scam or clone?
Atoa Payments is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Atoa Payments?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Atoa Payments to the Financial Ombudsman Service, free of charge.
Who owns Atoa Payments?
Companies House lists one person with significant control of Atoa Payments: Mr Siddhesh Narayanan (25–50% of shares). Before that, it was controlled by Mr Cian O'Dowd.
Who runs Atoa Payments?
Companies House lists 3 directors of Atoa Payments: Siddhesh Narayanan, Cian O'Dowd and Shwetank Verma.
How long has Atoa Payments been in business?
The company was formed on 11 February 2022, and has held its current FCA authorisation since December 2024.
What do Atoa Payments’ latest accounts show?
Its latest accounts, to 28 February 2025, show total equity of £3.01m (−36% from £4.69m) and cash at bank of £2.97m (−37% from £4.70m).
Does Atoa Payments use any other names?
It trades as Atoa Business, Atoa Pay and Pay with Atoa.

Sources and links

The full report on Atoa Payments Limited

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