Bottomline Payment Services Limited

Reference number: 616279

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Authorised by the FCA

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

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

  • When bottomline.com first appeared online, and whether it can receive email
  • What kind of line 0344 826 6700 is
  • Who else gives the postcode RG7 4SA
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Other names (1)

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

  • First Capital Cashflow Limited Former 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 (6 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)
  • 6. Money remittance.
  • 7. Payment initiation services
  • 8. Account information services

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
03986072
Company status
Active
Company type
Private limited company
Incorporated
4 May 2000 (26 years old)
Registered office
1600 Arlington Business Park Theale, Reading, RG7 4SA, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Fannon Director Feb 1968 17 May 2021 None
Colin Paul Swain Director Aug 1979 12 Sep 2022 2 other companies
Julian Ross Chapman Director Aug 1970 6 Jun 2024 15 other companies

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
17
closed down
1
is FCA-registered
1

In the full report: all 17 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 17 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2024Full accountsAudited

Total equity

£4.84m

−41% from £8.13m

Cash at bank

£5.72m

−25% from £7.67m

Employees (average)

12

−29% from 17

Owed within a year

£2.84m

+134% from £1.22m

* Cash at bank usually includes customers’ money.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • The chart, over every year
  • Every filed figure, year by year
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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 03986072. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Bottomline Payment Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (34)

2018

20 November 2018

  • Changed its registered name from "First Capital Cashflow Limited"

FCA register

6 June 2018

  • Became an authorised payment institution

FCA register

2016

6 April 2016

  • Cjj Investments Limited took control (75–100% of shares)

Companies House

2014

24 February 2014

  • Regulated by the FCA from this date

FCA register

2000

4 May 2000

  • Incorporated at Companies House

Companies House

In the full report: all 34 events

  • All 34 events in its history (5 shown here)
  • Every director appointment and resignation: 29
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Firms connected to Bottomline Payment Services

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Bottomline Payment Services

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

In Reading

Afrikmoney LtdReadingRegisteredJuni Holdings Inc LtdReadingRegisteredKwik Transfer LtdReadingRegistered

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 Bottomline Payment Services

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

  • 17 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 34 events in its history

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Frequently asked questions about this firm

Is Bottomline Payment Services Limited FCA authorised?
Yes, Bottomline Payment Services Limited (FRN 616279) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Bottomline Payment Services’ phone number and website?
The FCA register lists the phone number 0344 826 6700 and the website bottomline.com/uk for Bottomline Payment Services. If you were given different contact details, use these to check with the firm before going any further.
Is Bottomline Payment Services a scam or clone?
Bottomline Payment Services 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 Bottomline Payment Services?
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 Bottomline Payment Services to the Financial Ombudsman Service, free of charge.
Who owns Bottomline Payment Services?
Bottomline Payment Services is owned by Cjj Investments Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Bottomline Payment Services?
Companies House lists 3 directors of Bottomline Payment Services: Paul Fannon, Colin Paul Swain and Julian Ross Chapman.
How long has Bottomline Payment Services been in business?
The company was formed on 4 May 2000, and has held its current FCA authorisation since June 2018.
What do Bottomline Payment Services’ latest accounts show?
Its latest accounts, to 30 June 2024, show total equity of £4.84m (−41% from £8.13m) and cash at bank of £5.72m (−25% from £7.67m).
Does Bottomline Payment Services use any other names?
It has previously used the name First Capital Cashflow Limited.

Sources and links

The full report on Bottomline Payment Services Limited

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