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.
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No website on the FCA register
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Phone number
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Address
3rd Floor, VINTNERS PLACE, 68 UPPER THAMES ST, London, EC4V 3BJ, United Kingdom
In the full report: 2 background checks
- What kind of line 020 7778 9302 is, and the 4 other firms that give it
- Who else gives the postcode EC4V 3BJ
Other names (6)
If you were contacted under any of these names, it is this firm.
- Railsr Trading name: A name it trades under now.
- LightingAid Former trading name: A name it used to trade under.
- Neat Former trading name: A name it used to trade under.
- Neat Business Former trading name: A name it used to trade under.
- Neat Finance Former trading name: A name it used to trade under.
- Railspay Former trading name: A name it used to trade under.
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 (8 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
- g) Execution of payment transactions via telecoms, IT system or network operator
- h) Issuing Electronic Money
Financial Ombudsman complaints
Ombudsman complaints
- new complaints, January–June 2025
- 47
- upheld, against a 31% median
- 24%
- about banking and credit
- 47
A bigger firm gets more complaints simply because it has more customers. With this few, one case moves the upheld rate a lot.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 09883437 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 23 November 2015 (10 years old)
- Registered office
- 3rd Floor, Vintners' Place, 68 Upper Thames Street, London, EC4V 3BJ, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| David Ronald Gagie | Director | Feb 1955 | 18 Sep 2025 | None |
| Ian Alexander Irving Strafford-Taylor | Director | Oct 1960 | 27 Nov 2025 | None |
| Peter William Haspel | Director | May 1970 | 5 Aug 2026 | 42 other companies |
| Wendy Nicole Braithwaite | Secretary | Not published | 15 Mar 2024 | – |
Other companies run by these 3 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
- 42
- closed down
- 3
- went insolvent
- 1
In the full report: all 42 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 2 on the FCA register, including one no longer authorised
- All 13 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£17.1m
+115% from £7.94m
Profit before tax
−£3.88m
−179% from £4.94m
Net assets
£9.11m
−38% from £14.7m
Cash at bank
£8.00m
−34% from £12.1m
* Cash at bank usually includes customers’ money.
Turnover and profit
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 09883437. 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
PayrNet’s history from the FCA register and Companies House, newest first.
2024
15 March 2024
- Board replaced: both directors left and 3 new directors took over
Companies House
2023
9 March 2023
- D Squared Capital Limited gave up control
- D Squared Capital Limited took control (75–100% of shares)
- Embedded Finance Limited took control (75–100% of shares)
- Railsbank Technology Limited gave up control
Companies House
2022
20 October 2022
- Changed its registered name from "PayrNet Limited"
FCA register
2019
24 May 2019
- David Cecil John Knevitt stopped being a part-owner
- Nigel George Swinburne Verdon stopped being a part-owner
- Railsbank Technology Limited took control (75–100% of shares)
Companies House
2018
3 May 2018
- Became an authorised e-money institution
FCA register
2016
23 November 2016
- David Cecil John Knevitt became a part-owner (25–50% of shares)
- Nigel George Swinburne Verdon became a part-owner (25–50% of shares)
Companies House
1 September 2016
- Regulated by the FCA from this date
FCA register
2015
23 November 2015
- Incorporated at Companies House
Companies House
In the full report: all 48 events
- All 48 events in its history (14 shown here)
- Every director appointment and resignation: 23
Firms connected to PayrNet
Other FCA-listed firms that share a director, phone number or address with PayrNet. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 2
- share its phone number
- 4
In the full report: all 4 connected firms, named
- How each is linked: shared directors (2), the same phone number (4), the same postcode (4)
- Who links each one: the named directors, with dates
Firms like PayrNet
Other firms of the same type (payment or money transfer firm), nearest first.
In London
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 PayrNet
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 42 other companies its directors have run, named
- 2 background checks on its contact details
- All 48 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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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
- Ombudsman complaints data, January–June 2025 financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk