Payment Card Solutions (UK) Limited

Reference number: 930619

Instant download

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, 1 thing worth a closer look

  • When b4bpayments.com first appeared online, and whether it can receive email
  • What kind of line 020 3137 3420 is
  • Who else gives the postcode SW1W 0DH
Instant PDF download
Other names (1)

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

  • B4B Payments Trading 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 (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

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
05941947
Company status
Active
Company type
Private limited company
Incorporated
20 September 2006 (20 years old)
Registered office
12-18 Grosvenor Gardens, London, SW1W 0DH, England
Nature of business
  • Other information technology service activities (SIC 62090)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul John Swinton Director Jul 1973 20 Sep 2006 4 other companies
Thomas Michael Richard Jennings Director Jun 1981 4 Jan 2023 1 other company
Olivier Simon Hensby Director May 1982 2 Jan 2024 3 other companies
Livia Benisty Director Nov 1983 10 Jun 2024 None
Disha Gulati Secretary Not published 11 Aug 2025 –

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
run together
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
  • Any that went into liquidation or administration
  • The 1 company these 4 directors run together
  • All 7 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Profit before tax

£288k

−67% from £865k

Net assets

£7.70m

+8.3% from £7.11m

Cash at bank

£84.9m

−1.1% from £85.8m

Owed within a year

£82.5m

−4.6% from £86.5m

The accounts for the year to 31 December 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £3.73m, for the year to 31 December 2021.

* Cash at bank usually includes customers’ money.

Profit before tax

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
Instant PDF download
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 05941947. 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

Payment Card Solutions (UK)’s history from the FCA register and Companies House, newest first.

Key events (8) All events (19)

2022

29 December 2022

  • Paul Swinton no longer holds 50–75% of the votes
  • Robert William Anderson no longer holds 25–50% of the votes

Companies House

2020

28 August 2020

  • Became an authorised e-money institution

FCA register

24 July 2020

  • Regulated by the FCA from this date

FCA register

2016

27 April 2016

  • Paul Swinton gained 50–75% of the votes
  • Payment Card Solutions Group Ltd took control (75–100% of shares)
  • Robert William Anderson gained 25–50% of the votes

Companies House

2006

20 September 2006

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (8 shown here)
  • Every director appointment and resignation: 10
Instant PDF download

Firms like Payment Card Solutions (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 Payment Card Solutions (UK)

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, 1 flagged
  • 7 years of accounts, charted
  • All 19 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Payment Card Solutions (UK) Limited FCA authorised?
Yes, Payment Card Solutions (UK) Limited (FRN 930619) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2020 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Payment Card Solutions (UK)’s phone number and website?
The FCA register lists the phone number 020 3137 3420 and the website b4bpayments.com for Payment Card Solutions (UK). If you were given different contact details, use these to check with the firm before going any further.
Is Payment Card Solutions (UK) a scam or clone?
Payment Card Solutions (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 Payment Card Solutions (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 Payment Card Solutions (UK) to the Financial Ombudsman Service, free of charge.
Who owns Payment Card Solutions (UK)?
Payment Card Solutions (UK) is owned by Payment Card Solutions Group Ltd, which holds 75–100% of shares and 75–100% of votes, since 27 April 2016. Before that, it was controlled by Mr Paul Swinton and Mr Robert William Anderson.
Who runs Payment Card Solutions (UK)?
Companies House lists 4 directors of Payment Card Solutions (UK): Paul John Swinton, Thomas Michael Richard Jennings, Olivier Simon Hensby and Livia Benisty.
How long has Payment Card Solutions (UK) been in business?
The company was formed on 20 September 2006, and has held its current FCA authorisation since August 2020.
What do Payment Card Solutions (UK)’s latest accounts show?
Its latest accounts, to 31 December 2025, show profit before tax of £288k (−67% from £865k) and net assets of £7.70m (+8.3% from £7.11m).
Does Payment Card Solutions (UK) use any other names?
It trades as B4B Payments.

Sources and links

The full report on Payment Card Solutions (UK) Limited

£19.99 · Instant PDF download

Loading secure checkout…