Atoa Payments Limited: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for under a year
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 28 February 2025

Responsible principal firm

Fintern Ltd Reference number: 929244 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
Atoa Payments Limited (FRN 1056851) introduces customers to Fintern Ltd (FRN 929244). Any regulated advice or arranging is done by the principal, not Atoa Payments.
Example: if Atoa Payments refers you to a financial adviser, the advice should come from the principal firm, not from Atoa Payments itself.
Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

Atoa Payments Limited Reference number: 1007647 Authorised

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.

Website

paywithatoa.co.uk/pay (opens in a new tab)
Phone number

0330 165 4998
Address

Churchill Place, Canary Wharf, London, E14 5EU, United Kingdom

In the full report: 3 background checks

When paywithatoa.co.uk first appeared online, and whether it can receive email
What kind of line 0330 165 4998 is
Who else gives the postcode E14 5EU

Other names (3)

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

Atoa Business Trading name: A name it trades under now.
Atoa Pay Trading name: A name it trades under now.
Pay with Atoa Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Fintern Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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 (opens Companies House in a new tab)
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

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

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 (5) All events (11)

2026

12 June 2026

Became an introducer appointed representative

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 11 events

All 11 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms connected to Atoa Payments

Other FCA-listed firms that share a director, phone number or address with Atoa Payments. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

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
All 11 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Atoa Payments Limited FCA authorised?

Atoa Payments Limited (FRN 1056851) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Atoa Payments?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Atoa Payments Limited (FRN 1056851) introduces customers to Fintern Ltd (FRN 929244). Any regulated advice or arranging is done by the principal, not Atoa Payments. Example: if Atoa Payments refers you to a financial adviser, the advice should come from the principal firm, not from Atoa Payments itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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?

Protection works through Fintern Ltd, the principal firm responsible for Atoa Payments's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

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.

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.