Express Payments Limited

Reference number: 821066

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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 xepay.co.uk first appeared online, and whether it can receive email
  • What kind of line 0121 387 0007 is
  • Who else gives the postcode B90 2EL
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Other names (1)

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

  • XE PAY Trading name

FCA permissions and consumer protection

  • Hire out goods to consumers No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (2 permissions)
  • Entering into Regulated Consumer Hire Agreements as owner
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
10104626
Company status
Active
Company type
Private limited company
Incorporated
5 April 2016 (10 years old)
Registered office
26 The Exchange, Haslucks Green Road, Shirley, Solihull, B90 2EL, England
Nature of business
  • Other information technology service activities (SIC 62090)

Directors and company secretaries

Name Role Born Appointed Other companies
Farat Kausar Director Nov 1985 3 Sep 2018 3 other companies

Other companies run by its director

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
3
closed down
1
still active
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Total equity

−£5,622

Down £1,119 from −£4,503

Employees (average)

0

Same as 0

Owed within a year

£26.8k

+75% from £15.4k

Total equity is negative: on its last balance sheet the company owed £5,622 more than it owned.

The accounts for the year to 30 September 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £70.6k, for the year to 30 April 2021.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 10104626. 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

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

Key events (6) All events (15)

2018

1 November 2018

  • Farat Kausar took control (75–100% of shares)

Companies House

19 October 2018

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2017

29 September 2017

  • Farat Kausar no longer has significant control

Companies House

3 April 2017

  • Farat Kausar gained significant control

Companies House

2016

5 April 2016

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (6 shown here)
  • Every director appointment and resignation: 5
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Get the full report on Express Payments

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Express Payments Limited FCA authorised?
Yes, Express Payments Limited (FRN 821066) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2018. The FCA has placed no limits on its permissions.
What is Express Payments’ phone number and website?
The FCA register lists the phone number 0121 387 0007 and the website xepay.co.uk for Express Payments. If you were given different contact details, use these to check with the firm before going any further.
Is Express Payments a scam or clone?
Express 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 Express Payments?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Express Payments handles your money, so check the specific product before you commit. You can also refer complaints about Express Payments to the Financial Ombudsman Service, free of charge.
Who owns Express Payments?
Companies House lists one person with significant control of Express Payments: Mrs Farat Kausar (75–100% of shares).
Who runs Express Payments?
Companies House lists one director of Express Payments: Farat Kausar.
How long has Express Payments been in business?
The company was formed on 5 April 2016, and has held its current FCA authorisation since October 2018.
What do Express Payments’ latest accounts show?
Its latest accounts, to 30 September 2025, show total equity of −£5,622 (down £1,119 from −£4,503).
Does Express Payments use any other names?
It trades as XE PAY.

Sources and links

The full report on Express Payments Limited

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