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FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Paynetics

E-money institution · United Kingdom

About the company

Legal company namePaynetics UK Limited · Paynetics AD
Year founded—
Headquarters / registered countryLondon, United Kingdom
Websitewww.paynetics.digital
Last checked08.10.2026

According to its official website, Paynetics is a licensed provider that designs, builds and operates end-to-end payment services so that non-financial companies can offer payment functions to their own clients. The site states that Paynetics AD (company no 131574695, Sofia) is an e-money institution licensed by the Bulgarian National Bank and passported across the EU, and that Paynetics UK Ltd (company no 12481335) is an e-money institution licensed by the FCA to provide services in the UK and a wholly owned subsidiary of Paynetics AD. Services include individual and business payment accounts with dedicated IBANs and UK account numbers with sort codes, SEPA, SEPA Instant and Faster Payments transfers, branded Visa and Mastercard cards enabled for Apple Pay and Google Pay, e-commerce and POS card acceptance, open banking (PIS/AIS) and value-added services such as onboarding and KYC/KYB, reconciliation and fraud monitoring. Partners named include DNA Payments, billbutler, Vivacom and A1; the London office is at Salisbury House, 29 Finsbury Circus. This information is the company's own statement.

Account Details

ACCOUNT TYPESPartner companies and their individual and business clients
MIN. DEPOSITNot stated
PLATFORMSAPIs and SDKs · MyPaynetics app
PRODUCTSPayment accounts (IBAN and UK account number) · Visa and Mastercard card issuing · E-commerce and POS card acquiring · Open banking (PIS/AIS)

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 942777
Licence holderPaynetics UK Limited
ScopeListed in the FCA register as an Authorised Electronic Money Institution under Paynetics UK Limited (FRN 942777) since 31 Mar 2023.
StatusVerified

BNB (Bulgaria)

Licence no.Not stated
Licence holderPaynetics AD
ScopeThe company states that Paynetics AD is an e-money institution licensed by the Bulgarian National Bank (BNB) and passported across the EU. The record could not be verified because the BNB register could not be read.
StatusPending verification

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: August 2021 – October 2026

  • Account / trading conditions: 6
  • Withdrawal / payment: 4

No. 379 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Account / trading conditions: 325. · Withdrawal / payment: 350.

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on Paynetics' Trustpilot page (10) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Paynetics name are left out. Across the complaints, cards that could not be activated or replaced, app access problems and delays in closing accounts and transferring funds stand out.

Sources and verification history

Official company sourcespaynetics.digital — homepage and footer (company and licence information, office addresses)
Regulator recordsFCA — Paynetics UK Limited, FRN 942777 (register.fca.org.uk)
Company registerCompanies House — PAYNETICS UK LIMITED, company no 12481335, incorporated 25 Feb 2020
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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