Rightcard Payment Services Limited

Reference number: 900424

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 4579 5921 is
  • Who else gives the postcode N1C 4EW
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Other names (2)

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

  • Lemfi Trading name
  • Lemonade Finance Former 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 (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

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.

* Cash at bank usually includes customers’ money.

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 (13) All events (26)

2025

27 January 2025

  • Changed its registered name from "Rightcard Payment Services Limited"

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

2018

4 April 2018

  • Regulated by the FCA from this date
  • No longer regulated by the FCA
  • Became an authorised e-money institution

FCA register

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

2015

11 December 2015

  • Regulated by the FCA from this date

FCA register

2014

5 August 2014

  • Incorporated at Companies House

Companies House

In the full report: all 26 events

  • All 26 events in its history (13 shown here)
  • Every director appointment and resignation: 10
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Firms like Rightcard Payment Services

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 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 26 events in its history

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Frequently asked questions about this firm

Is Rightcard Payment Services Limited FCA authorised?
Yes, Rightcard Payment Services Limited (FRN 900424) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Rightcard Payment Services’ phone number and website?
The FCA register lists the phone number 020 4579 5921 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?
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 Rightcard Payment Services to the Financial Ombudsman Service, free of charge.
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, and has held its current FCA authorisation since April 2018.
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. It has previously used the name Lemonade Finance.

Sources and links

The full report on Rightcard Payment Services Limited

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