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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

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● Statement
← Home

tomato pay

Payment institution · United Kingdom

About the company

Legal company nameFractal Labs Ltd
Year founded2014
Headquarters / registered countryLondon, United Kingdom
Websitewww.tomatopay.co.uk
Last checked08.10.2026

According to its official website, tomato pay is an invoicing and payment app built for freelancers, contractors, sole traders and small businesses. Users can create and send professional invoices from their phone in seconds, track whether invoices have been opened and paid, chase late invoices with one tap and add their own branding; customers pay by bank transfer or in a few steps from their phone. The app also lets users take online and in-person payments with payment links and QR codes; the company offers payment initiation (PIS) and account information (AIS) APIs for partners and presents its Cashflow Manager work with Santander as a case study. The site publishes a 7-day free trial and a plan of 9.95 GBP for 100 invoices a month. The site says tomato pay is a brand owned and operated by Fractal Labs Ltd and that Fractal Labs Ltd is authorised by the FCA (FRN 813019). The address is 2 Underwood Row, London N1 7LQ; according to Companies House the company was incorporated in 2014. This information is the company's own statement.

Account Details

ACCOUNT TYPESFreelancers, sole traders and small businesses
MIN. DEPOSITNot stated
PLATFORMSiOS and Android app · API
PRODUCTSMobile invoice creation and sending · Payment links and QR code payments · Open banking bank transfer payments · Late invoice chasing · Payment initiation and account information APIs

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 813019
Licence holderFractal Labs Ltd
ScopeListed in the FCA register as an Authorised Payment Institution under Fractal Labs Ltd (FRN 813019) since 11 Sep 2018.
StatusVerified

Sources and verification history

Official company sourcestomatopay.co.uk — homepage, pricing, partner menu and legal notice in the footer (8 Oct 2026)
Regulator recordsFCA — Fractal Labs Ltd, FRN 813019 (register.fca.org.uk)
Company registerCompanies House — FRACTAL LABS LTD, company no 08972946, incorporated 2 Apr 2014
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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