Xln Pay Limited

Reference number: 987617

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

DAISY COMMUNICATIONS LTD. Reference number: 718842 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • XLN PAY LIMITED (FRN 987617) is an AR of DAISY COMMUNICATIONS LTD. (FRN 718842). When you use XLN PAY's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from XLN PAY, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • 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.

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.

  • Website

    xln.co.uk

  • Phone number

    0344 880 5939

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    Tintagel House, 92 Albert Embankment, London, Lambeth, SE1 7TY, United Kingdom

In the full report: 3 background checks

  • When xln.co.uk first appeared online, and whether it can receive email
  • What kind of line 0344 880 5939 is, and the other firm that gives it
  • Who else gives the postcode SE1 7TY
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Other names (1)

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

  • XLN Pay Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Daisy Communications 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.

Company number
06436327
Company status
Active
Company type
Private limited company
Incorporated
23 November 2007 (18 years old)
Registered office
500 Brook Drive, Reading, United Kingdom, RG2 6UU, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stuart Norman Morten Director Apr 1971 4 Mar 2022 45 other companies
Paul Stephen Milton Director Feb 1978 31 Oct 2025 20 other companies
Nigel Paul Smith Director Feb 1977 31 Oct 2025 21 other companies

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
48
closed down
22
are FCA-registered
5

In the full report: all 48 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 on the FCA register, including 2 no longer authorised
  • The 20 companies these 3 directors run together
  • All 10 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (7) All events (26)

2025

23 October 2025

  • Changed its registered name from "XLN Pay Ltd"

FCA register

2023

28 June 2023

  • Hamsard 3222 Limited gave up control
  • Xln Limited took control (75–100% of shares)

Companies House

2022

24 November 2022

  • Became an appointed representative

FCA register

4 March 2022

  • Board replaced: both directors left and 2 new directors took over

Companies House

2016

6 April 2016

  • Hamsard 3222 Limited took control (75–100% of shares)

Companies House

2007

23 November 2007

  • Incorporated at Companies House

Companies House

In the full report: all 26 events

  • All 26 events in its history (7 shown here)
  • Every director appointment and resignation: 19
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Firms connected to Xln Pay

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

connected firms
8
no longer authorised
2
share a director
5

In the full report: all 8 connected firms, named

  • How each is linked: shared directors (5), the same phone number (1), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Xln Pay

Other firms of the same type (credit broker), nearest first.

In London

SME Asset Finance LimitedLondonAppointed representativeSuper Payments LtdLondonAppointed representativeNational Education UnionLondonAppointed representativeReed Learning LimitedLondonAppointed representativeRoyal Free London NHS Foundation TrustLondonAppointed representativeClickMechanic LtdLondonAppointed representative

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 Xln Pay

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

  • 48 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 26 events in its history
  • 8 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Xln Pay Limited FCA authorised?
Xln Pay Limited (FRN 987617) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Xln Pay?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Xln Pay Limited (FRN 987617) is an AR of DAISY COMMUNICATIONS LTD. (FRN 718842). When you use Xln Pay's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Xln Pay, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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 Xln Pay’s phone number and website?
The FCA register lists the phone number 0344 880 5939 and the website xln.co.uk for Xln Pay. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm, one of which is no longer authorised.
Is Xln Pay a scam or clone?
Xln Pay 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 Xln Pay?
Protection works through Daisy Communications Ltd., the principal firm responsible for Xln Pay's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Xln Pay?
Xln Pay is owned by Xln Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 28 June 2023. Before that, it was controlled by Hamsard 3222 Limited.
Who runs Xln Pay?
Companies House lists 3 directors of Xln Pay: Stuart Norman Morten, Paul Stephen Milton and Nigel Paul Smith.
How long has Xln Pay been in business?
The company was formed on 23 November 2007.
Does Xln Pay use any other names?
It has previously used the name XLN Pay Ltd.

Sources and links

The full report on Xln Pay Limited

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