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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

PhotonPay

Payment institution · United Kingdom

About the company

Legal company namePhoton Dance Fintech UK Limited · Photon Dance (Hong Kong) Limited · Photon Dance (DIFC) Limited · Photon Dance Asset Management (Hong Kong) Limited
Year founded2015
Headquarters / registered countryLondon, United Kingdom
Websitewww.photonpay.com
Last checked08.10.2026

According to its official website, PhotonPay is a payment infrastructure group founded in 2015, which began operating in Hong Kong in November 2015 and says it serves more than 200,000 businesses in over 200 countries and regions from more than 16 offices. It offers businesses fiat and stablecoin payment acceptance, multi-currency wallets and accounts, global payouts, FX and stablecoin conversion, corporate card issuing, billing, expense management and API-based embedded finance; crypto services are said to be provided by licensed group affiliates. According to the licences page, Photon Dance Fintech UK Limited is authorised by the FCA as an Authorised Payment Institution (FRN 801082), with its address at 36 Gerrard Street, London; the group holds a C&ED money service operator licence and an SFC licence in Hong Kong, a DFSA licence in Dubai and a KNF registration in Poland, is registered with FINTRAC in Canada and FinCEN in the United States, and says it holds money transmitter licences in many US states. The site stresses that the FCA authorisation covers only this company's payment services in the United Kingdom. This information is the company's own statement.

Account Details

ACCOUNT TYPESBusinesses and platforms
MIN. DEPOSITNot stated
PLATFORMSWeb dashboard · API
PRODUCTSPayment acceptance (fiat and stablecoin) · Multi-currency wallet · Global payouts · FX conversion · Corporate cards · Billing · Expense management · Embedded finance APIs

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 801082
Licence holderPHOTON DANCE FINTECH UK LIMITED
ScopeListed in the FCA register as an Authorised Payment Institution under PHOTON DANCE FINTECH UK LIMITED (FRN 801082) since 2 Aug 2018.
StatusVerified

SFC (Hong Kong)

Licence no.CE BWJ859
Licence holderPhoton Dance Asset Management (Hong Kong) Limited
ScopeListed in the SFC register as a licensed corporation (CE BWJ859); Type 1 (dealing in securities), Type 4 (advising on securities) and Type 9 (asset management) activities active since 27 Feb 2026.
StatusVerified

DFSA (United Arab Emirates (Dubai))

Licence no.F010944
Licence holderPhoton Dance (DIFC) Limited
ScopeListed in the DFSA register as a DIFC company and authorised firm, licensed 3 Feb 2026; authorised for providing money services, providing or operating a payment account and issuing payment instruments, with retail client and client asset endorsements.
StatusVerified

C&ED (Hong Kong)

Licence no.15-04-01638
Licence holderPhoton Dance (Hong Kong) Limited
ScopeThe company states that Photon Dance (Hong Kong) Limited is a Money Service Operator licensed by the Hong Kong Customs and Excise Department (15-04-01638). The record could not be verified because the C&ED register could not be read.
StatusPending verification

KNF (Poland)

Licence no.0000998751
Licence holderPhoton Dance (Poland) Limited
ScopeThe company states that Photon Dance (Poland) Limited is registered as a small payment institution supervised by the Polish Financial Supervision Authority (KNF) (0000998751). The record could not be verified because the KNF 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: December 2025 – October 2026

  • Withdrawal / payment: 1
  • Customer support: 1
  • Other: 1

No. 453 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Withdrawal / payment: 415. · Customer support: 341. · Other: 314.

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on the PhotonPay Trustpilot page (3) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the PhotonPay name are left out. Across the complaints, allegations of balances frozen for months over document requests, slow customer support, and allegations that processes work against customers stand out.

Sources and verification history

Official company sourcesphotonpay.com — homepage and footer, /uk/licenses and /en/licenses (licences), /uk/about-us (about us)
Regulator recordsFCA — PHOTON DANCE FINTECH UK LIMITED, FRN 801082 (register.fca.org.uk) · SFC — Photon Dance Asset Management (Hong Kong) Limited, CE BWJ859 (apps.sfc.hk) · DFSA — Photon Dance (DIFC) Limited, F010944 (dfsa.ae)
Company registerCompanies House — PHOTON DANCE FINTECH UK LIMITED (formerly SILK ROAD FINANCIAL LIMITED), company no 09833045, incorporated 20 Oct 2015
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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