Embed Pay Ltd
Reference number: 1035264
Instant download
Registered with the FCA
This firm is registered as a small e-money institution. That is a lighter regime than full FCA authorisation, applied to smaller e-money firms, though it must still safeguard the money it holds.
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.
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Website
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Phone number
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Address
Embed Pay Ltd., The Lambourn, Wyndkye Furlong, Abingdon, OX14 1UJ, United Kingdom
In the full report: 3 background checks
- When embed.co first appeared online, and whether it can receive email
- What kind of line +44+31638226939 is
- Who else gives the postcode OX14 1UJ
Other names (1)
If you were contacted under any of these names, it is this firm.
- Embed Trading name: A name it trades under now.
FCA permissions and consumer protection
- Handle payments & transfers Funds safeguardedYour 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, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
- a) Services enabling cash placement on a payment account
- b) Services enabling cash withdrawals from a payment account
- c) Execution of payment transactions (not covered by a credit line)
- d) Execution of payment transactions (covered by a credit line)
- e) Issuing payment instruments or acquiring payment transactions
- f) Money remittance
- h) Issuing Electronic Money
Limits on what they may do
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Will not onboard more than 10 customers
The firm will not onboard more than 10 customers.
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Provision of e-money services
The firm will not have average outstanding electronic money in excess of £1 million.
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Provision of e-money and payment services
The firm will not issue e-money or provide payment services to an individual who is acting for purposes other than a trade, business or profession.
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Agents and distributors
The firm will not onboard any agents or use any distributors.
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Unrelated payment services
The firm will not provide any payment services which are not related to the issuing of e-money (i.e. unrelated payment services).
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Account information services and payment initiation services
The firm will not provide Payment initiation or Account information payment 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
- 16283569 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 February 2025 (1 year old)
- Registered office
- Percy House 33 Gresse Street Gresse Street, Third Floor West, London, W1T 1QU, England
- Nature of business
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- Activities of financial services holding companies (SIC 64205)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrei Valeanu | Director | Sep 1992 | 28 Feb 2025 | None |
| Keith Michael Grose | Director | Oct 1988 | 25 Nov 2025 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
£229k
No earlier figure to compare
Cash at bank
£308k
No earlier figure to compare
Employees (average)
0
No earlier figure to compare
Owed within a year
£80.2k
No earlier figure to compare
* Cash at bank usually includes customers’ money.
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 16283569. 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
Embed Pay’s history from the FCA register and Companies House, newest first.
2025
24 October 2025
- FCA imposed a requirement (Account information services and payment initiation services)
- FCA imposed a requirement (Agents and distributors)
- FCA imposed a requirement (Provision of e-money and payment services)
- FCA imposed a requirement (Provision of e-money services)
- FCA imposed a requirement (Unrelated payment services)
- FCA imposed a requirement (Will not onboard more than 10 customers)
- Status on the FCA register became "Small Electronic Money Institution"
FCA register
28 May 2025
- Regulated by the FCA from this date
FCA register
28 February 2025
- Incorporated at Companies House
- Alexander Schoonkind gained significant control
Companies House
In the full report: all 16 events
- All 16 events in its history (10 shown here)
- Every director appointment and resignation: 4
Firms connected to Embed Pay
Other FCA-listed firms that share a director, phone number or address with Embed Pay. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Embed Pay
Other firms of the same type (payment or money transfer firm), nearest first.
In the Oxford (OX) postcode area
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 Embed Pay
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 16 events in its history
- 1 connected firm, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Embed Pay Ltd FCA authorised?
What is Embed Pay’s phone number and website?
Is Embed Pay a scam or clone?
Is my money safe with Embed Pay?
Who owns Embed Pay?
Who runs Embed Pay?
How long has Embed Pay been in business?
What do Embed Pay’s latest accounts show?
Does Embed Pay use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk