Vesta Merchant Services Limited

Reference number: 784165

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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 vestaone.com first appeared online, and whether it can receive email
  • What kind of line 01634 292867 is
  • Who else gives the postcode OX10 8BA
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Other names (6)

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

  • VestaOne Trading name
  • Upay Ltd Former name
  • Uniware Former trading name
  • UpayChilli Former trading name
  • UpayMint Former trading name
  • VMS 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 (2 permissions)
  • 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
07108015
Company status
Active
Company type
Private limited company
Incorporated
18 December 2009 (16 years old)
Registered office
Stables 1 Howbery Park, Wallingford, Oxon, OX10 8BA, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Clancy Director Jul 1973 30 Aug 2019 69 other companies
Diego Jose Bunster Echenique Director Nov 1983 1 May 2025 None
Edward Adshead-Grant Director Jan 1972 12 Feb 2026 28 other companies
Thomas Andrew Baptie Director Apr 1984 7 Jul 2026 41 other companies
Ben Michael Dinmore Director Jul 1987 21 Sep 2026 None

Other companies run by these 5 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
71
closed down
16
are FCA-registered
3

In the full report: all 71 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register, including 2 no longer authorised
  • The 50 companies these 5 directors run together
  • All 8 people who have ever been directors, with their dates
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Key dates in its history

Vesta Merchant Services’s history from the FCA register and Companies House, newest first.

Key events (10) All events (34)

2020

29 October 2020

  • Changed its registered name from "Upay Ltd"

FCA register

2019

30 August 2019

  • Board replaced: its only director left and 3 new directors took over

Companies House

2018

12 July 2018

  • Regulated by the FCA from this date
  • Became an authorised payment institution

FCA register

2016

6 April 2016

  • Jeremy Russell Brand became the majority owner (50–75% of shares)
  • Jeremy Russell Brand stopped being the majority owner
  • Michael Russell Brand became a part-owner (25–50% of shares)
  • Michael Russell Brand stopped being a part-owner
  • Uniware Systems Limited took control (75–100% of shares)

Companies House

2009

18 December 2009

  • Incorporated at Companies House

Companies House

In the full report: all 34 events

  • All 34 events in its history (10 shown here)
  • Every director appointment and resignation: 13
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Firms connected to Vesta Merchant Services

Other FCA-listed firms that share a director, phone number or address with Vesta Merchant Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
6
no longer authorised
1
share a director
3

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (3), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Vesta Merchant Services

Other firms of the same type (payment or money transfer firm), nearest first.

In Wallingford

London & Zurich LimitedWallingfordAuthorised

In the Oxford (OX) postcode area

Embed Pay LtdAbingdonRegisteredKabayan Capital LtdBicesterAuthorisedNoveba LimitedThameAuthorisedOptimal Currency LimitedThameAuthorised

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 Vesta Merchant Services

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

  • 71 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 34 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Vesta Merchant Services Limited FCA authorised?
Yes, Vesta Merchant Services Limited (FRN 784165) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Vesta Merchant Services’ phone number and website?
The FCA register lists the phone number 01634 292867 and the website vestaone.com for Vesta Merchant Services. If you were given different contact details, use these to check with the firm before going any further.
Is Vesta Merchant Services a scam or clone?
Vesta Merchant 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 Vesta Merchant 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 Vesta Merchant Services to the Financial Ombudsman Service, free of charge.
Who owns Vesta Merchant Services?
Vesta Merchant Services is owned by Uniware Systems Limited, which holds 75–100% of shares, since 6 April 2016. Before that, it was controlled by Mr Jeremy Russell Brand and Mr Michael Russell Brand.
Who runs Vesta Merchant Services?
Companies House lists 5 directors of Vesta Merchant Services: Richard Clancy, Diego Jose Bunster Echenique, Edward Adshead-Grant, Thomas Andrew Baptie and Ben Michael Dinmore.
How long has Vesta Merchant Services been in business?
The company was formed on 18 December 2009, and has held its current FCA authorisation since July 2018.
Does Vesta Merchant Services use any other names?
It trades as VestaOne. It has previously used 5 other names, including Upay Ltd, Uniware and UpayChilli.

Sources and links

The full report on Vesta Merchant Services Limited

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