PayXpert Ltd

Reference number: 744033

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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 payxpert.co.uk first appeared online, and whether it can receive email
  • What kind of line 01223 606500 is
  • Who else gives the postcode EC2M 1NH
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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 (5 permissions)
  • 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
  • 3. Executing payment transactions (no credit line)
  • 5. Issuing and/or acquiring of payment instruments.
  • 6. Money remittance.

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
09647756
Company status
Active
Company type
Private limited company
Incorporated
19 June 2015 (11 years old)
Registered office
New Broad Street House, 35 New Broad Street, London, EC2M 1NH, United Kingdom
Nature of business
  • Business and domestic software development (SIC 62012)
  • Information technology consultancy activities (SIC 62020)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicolas Jean Francois Riegert Director Jun 1970 19 Jun 2015 None
David John Armstrong Director Jun 1964 1 Sep 2019 1 other company

Other companies run by these 2 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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£560k

−32% from £821k

Cash at bank

£503k

−60% from £1.27m

Employees (average)

5

Same as 5

* Cash at bank usually includes customers’ money.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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.

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

Accounts filed at Companies House for company 09647756. 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

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

Key events (7) All events (13)

2020

17 November 2020

  • Raul Sanchez Guisado no longer has significant control

Companies House

2019

1 January 2019

  • Juan Sala De La Cuadra gained significant control

Companies House

2018

3 May 2018

  • Became an authorised payment institution

FCA register

2016

15 August 2016

  • Regulated by the FCA from this date

FCA register

6 April 2016

  • Payxpert Group Holding Ltd took control (75–100% of shares)
  • Raul Sanchez Guisado gained significant control

Companies House

2015

19 June 2015

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms like PayXpert

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 PayXpert

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is PayXpert Ltd FCA authorised?
Yes, PayXpert Ltd (FRN 744033) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is PayXpert’s phone number and website?
The FCA register lists the phone number 01223 606500 and the website payxpert.co.uk for PayXpert. If you were given different contact details, use these to check with the firm before going any further.
Is PayXpert a scam or clone?
PayXpert 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 PayXpert?
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 PayXpert to the Financial Ombudsman Service, free of charge.
Who owns PayXpert?
PayXpert is owned by Payxpert Group Holding Ltd, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016. Before that, it was controlled by Mr Raul Sanchez Guisado.
Who runs PayXpert?
Companies House lists 2 directors of PayXpert: Nicolas Jean Francois Riegert and David John Armstrong.
How long has PayXpert been in business?
The company was formed on 19 June 2015, and has held its current FCA authorisation since May 2018.
What do PayXpert’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £560k (−32% from £821k) and cash at bank of £503k (−60% from £1.27m).

Sources and links

The full report on PayXpert Ltd

£19.99 · Instant PDF download

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