Panpay UK Ltd

Reference number: 1015835

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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: 2 background checks, 1 thing worth a closer look

  • When panpay.co.uk first appeared online, and whether it can receive email
  • Whether EC3R 7BB is a shared office: 27 other firms give it
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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 (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

  • Agents and distributors
    The firm will not onboard any agents or use any distributors.
  • 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).
  • Provision of e-money services
    The firm will not provide e-money services to an individual who is acting for purposes other than a trade, business or profession.

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
14804658
Company status
Active
Company type
Private limited company
Incorporated
15 April 2023 (3 years old)
Registered office
2 Minster Court, 4th Floor, London, EC3R 7BB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jian Zhou Director Apr 1984 15 Apr 2023 None
Hannah Jaine Stonuary Director Jan 1985 12 Jun 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
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

£306k

−13% from £350k

Employees (average)

0

No earlier figure to compare

Owed within a year

£51.1k

No earlier figure to compare

Net assets

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 14804658. 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

Panpay UK’s history from the FCA register and Companies House, newest first.

Key events (10) All events (14)

2025

22 October 2025

  • Jian Zhou gave up control
  • Panpay Information Service Limited gave up control
  • Panpay Information Service Limited took control (75–100% of shares)

Companies House

4 June 2025

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Agents and distributors)
  • FCA imposed a requirement (Provision of e-money services)
  • FCA imposed a requirement (Unrelated payment services)
  • Became an authorised e-money institution

FCA register

2023

15 April 2023

  • Incorporated at Companies House
  • Jian Zhou took control (75–100% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (10 shown here)
  • Every director appointment and resignation: 4
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Firms like Panpay UK

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

In London

Uber Payments UK LimitedLondonAuthorisedWise Payments LimitedLondonAuthorisedForisgfs UK LimitedLondonAuthorisedWepay Payments Ltd.LondonAuthorisedAirbnb Payments UK LimitedLondonAuthorisedMollie UK Ltd.LondonAuthorised

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 Panpay UK

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
  • 2 background checks on its contact details, 1 flagged
  • All 14 events in its history

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Frequently asked questions about this firm

Is Panpay UK Ltd FCA authorised?
Yes, Panpay UK Ltd (FRN 1015835) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2025 and works as a payment or money transfer firm. The FCA has placed 3 limits on what it may do.
What is Panpay UK’s website?
The FCA register lists the website panpay.co.uk for Panpay UK. If you were given different contact details, use these to check with the firm before going any further.
Is Panpay UK a scam or clone?
Panpay UK 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 Panpay UK?
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 Panpay UK to the Financial Ombudsman Service, free of charge.
Who owns Panpay UK?
Companies House lists one person with significant control of Panpay UK: Jian Zhou (75–100% of shares). Before that, it was controlled by Panpay Information Service Limited.
Who runs Panpay UK?
Companies House lists 2 directors of Panpay UK: Jian Zhou and Hannah Jaine Stonuary.
How long has Panpay UK been in business?
The company was formed on 15 April 2023, and has held its current FCA authorisation since June 2025.
What do Panpay UK’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £306k (−13% from £350k).

Sources and links

The full report on Panpay UK Ltd

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