Rightcard Payment Services Limited

Reference number: 1026623

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Pillar Labs Ltd Reference number: 996727 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Rightcard Payment Services Limited (FRN 1026623) introduces customers to Pillar Labs Ltd (FRN 996727). Any regulated advice or arranging is done by the principal, not Rightcard Payment Services.
  • Example: if Rightcard Payment Services refers you to a financial adviser, the advice should come from the principal firm, not from Rightcard Payment Services itself.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 lemfi.com first appeared online, and whether it can receive email
  • What kind of line 020 3290 9582 is
  • Who else gives the postcode N1C 4EW
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Other names (1)

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

  • Lemfi Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pillar Labs Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
09163262
Company status
Active
Company type
Private limited company
Incorporated
5 August 2014 (12 years old)
Registered office
The Jellicoe, 5 Beaconsfield Street, London, N1C 4EW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Rian Philip Cochran Director Jul 1981 30 Nov 2022 None
Semiu Abiodun Olugbokiki Director May 1988 15 Aug 2023 None
Rebeca Wignall Benitez Secretary Not published 2 Mar 2026 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 6 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2022Full accountsAudited

Net assets

£562k

<1% from £561k

Cash at bank

£486k

+86% from £261k

Employees (average)

4

Same as 4

Its next accounts are overdue at Companies House.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2022
  • 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.

Accounts filed at Companies House for company 09163262. 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

Rightcard Payment Services’s history from the FCA register and Companies House, newest first.

Key events (9) All events (20)

2025

29 January 2025

  • Became an introducer appointed representative

FCA register

2023

27 January 2023

  • Ridwan Akangbe Olalere gained significant control

Companies House

2022

30 November 2022

  • Mauricio Pinheiro Barbosa no longer has significant control
  • Rogerio Alves De Sousa no longer has significant control
  • Vyash Avinash Povetrash Baidjnath Misier stopped being a part-owner

Companies House

2016

6 April 2016

  • Mauricio Pinheiro Barbosa gained significant control
  • Rogerio Alves De Sousa gained significant control
  • Vyash Avinash Povetrash Baidjnath Misier became a part-owner (25–50% of shares)

Companies House

2014

5 August 2014

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 10
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Get the full report on Rightcard Payment Services

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
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 20 events in its history

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Frequently asked questions about this firm

Is Rightcard Payment Services Limited FCA authorised?
Rightcard Payment Services Limited (FRN 1026623) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Rightcard Payment Services?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Rightcard Payment Services Limited (FRN 1026623) introduces customers to Pillar Labs Ltd (FRN 996727). Any regulated advice or arranging is done by the principal, not Rightcard Payment Services. Example: if Rightcard Payment Services refers you to a financial adviser, the advice should come from the principal firm, not from Rightcard Payment Services itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Rightcard Payment Services’ phone number and website?
The FCA register lists the phone number 020 3290 9582 and the website lemfi.com for Rightcard Payment Services. If you were given different contact details, use these to check with the firm before going any further.
Is Rightcard Payment Services a scam or clone?
Rightcard Payment Services 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 Rightcard Payment Services?
Protection works through Pillar Labs Ltd, the principal firm responsible for Rightcard Payment Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Rightcard Payment Services?
Companies House lists one person with significant control of Rightcard Payment Services: Mr Ridwan Akangbe Olalere (significant influence or control). Before that, it was controlled by Mr Rogerio Alves De Sousa, Mr Vyash Avinash Povetrash Baidjnath Misier and Mr Mauricio Pinheiro Barbosa.
Who runs Rightcard Payment Services?
Companies House lists 2 directors of Rightcard Payment Services: Rian Philip Cochran and Semiu Abiodun Olugbokiki.
How long has Rightcard Payment Services been in business?
The company was formed on 5 August 2014.
What do Rightcard Payment Services’ latest accounts show?
Its latest accounts, to 31 December 2022, show net assets of £562k (<1% from £561k) and cash at bank of £486k (+86% from £261k). Its accounts are overdue at Companies House.
Does Rightcard Payment Services use any other names?
It trades as Lemfi.

Sources and links

The full report on Rightcard Payment Services Limited

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