Pax2pay Ltd

Reference number: 967198

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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 pax2pay.com first appeared online, and whether it can receive email
  • What kind of line 0117 205 0850 is
  • Who else gives the postcode BS1 6HU
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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

  • Institution to refrain from AIS or PIS for an indefinite period
    Must comply with the requirements in regulation 78A(2)(b)of the Electronic Money Regulations 2011 to refrain from providing account information services or payment initiation services for an indefinite period

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 status
Active
Company type
Private limited company
Incorporated
2 January 2019 (7 years old)
Registered office
The Landing, 125 Redcliff Street, Bristol, BS1 6HU, United Kingdom
Nature of business
  • Business and domestic software development (SIC 62012)
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian David Robinson Director Apr 1963 2 Jan 2019 2 other companies
Paivo Eerola Director Feb 1967 14 Jun 2021 None
Claes Mikael Wandt Director Mar 1964 5 Dec 2022 1 other company
Alan John Hadley Director Jul 1964 11 Aug 2026 4 other companies
ROXBURGH MILKINS LIMITED Corporate secretary Not published 18 Jan 2019 –

Other companies run by these 4 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
6
closed down
1
went insolvent
1

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 1 company these 4 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Turnover

£20.0m

+4.6% from £19.1m

Profit before tax

£3.17m

+14% from £2.78m

Net assets

£525k

−38% from £844k

Cash at bank

£935k

+140% from £390k

* Cash at bank usually includes customers’ money.

Turnover and profit

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • Both charts, 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 11747127. 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

Pax2pay’s history from the FCA register and Companies House, newest first.

2025

4 December 2025

  • Anthony Ian Barker stopped being a part-owner

Companies House

2023

24 November 2023

  • Anthony Ian Barker became a part-owner (25–50% of shares)
  • Lars Gunnar Osterberg became a part-owner (25–50% of shares)
  • Pax2pay Ab gave up control
  • Pax2pay Ab took control (75–100% of shares)
  • Paxport Group UK Ltd gave up control
  • Sven Anders Steen became a part-owner (25–50% of shares)

Companies House

2022

14 November 2022

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Institution to refrain from AIS or PIS for an indefinite period)
  • Became an authorised e-money institution

FCA register

2019

2 January 2019

  • Incorporated at Companies House
  • Paxport Group UK Ltd took control (75–100% of shares)

Companies House

In the full report: all 20 events

  • All 20 events in its history (12 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Pax2pay

Other FCA-listed firms that share a director, phone number or address with Pax2pay. 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
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Firms like Pax2pay

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

In Bristol

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 Pax2pay

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Pax2pay Ltd FCA authorised?
Yes, Pax2pay Ltd (FRN 967198) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2022 and works as a payment or money transfer firm. The FCA has placed a limit on what it may do.
What is Pax2pay’s phone number and website?
The FCA register lists the phone number 0117 205 0850 and the website pax2pay.com for Pax2pay. If you were given different contact details, use these to check with the firm before going any further.
Is Pax2pay a scam or clone?
Pax2pay 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 Pax2pay?
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 Pax2pay to the Financial Ombudsman Service, free of charge.
Who owns Pax2pay?
Companies House lists 2 people with significant control of Pax2pay: Mr Lars Gunnar Osterberg (25–50% of shares) and Mr Sven Anders Steen (25–50% of shares). Before that, it was controlled by Mr Anthony Ian Barker, Pax2pay Ab and Paxport Group UK Ltd.
Who runs Pax2pay?
Companies House lists 4 directors of Pax2pay: Ian David Robinson, Paivo Eerola, Claes Mikael Wandt and Alan John Hadley.
How long has Pax2pay been in business?
The company was formed on 2 January 2019, and has held its current FCA authorisation since November 2022.
What do Pax2pay’s latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £20.0m (+4.6% from £19.1m) and profit before tax of £3.17m (+14% from £2.78m).

Sources and links

The full report on Pax2pay Ltd

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