According to its official website, Novac Payment is a payment solutions provider designed to simplify how businesses manage payments; the site title says it serves African businesses, while the text says it aims to streamline transactions for businesses throughout the United Kingdom. According to the site footer, Novac Payment is the trading name of Reflow Zone Limited, based at 86-90 Paul Street, London, which is registered with the Financial Conduct Authority (FCA) as an Authorised Payment Institution (811078); its permissions in the FCA register are payment initiation and account information services. According to Companies House the company was incorporated in 2018. The site says it offers open banking payment acceptance, settlement in under 24 hours, an intuitive dashboard and flexible user access, and that it has processed more than £420,000 and onboarded more than 500 businesses; its contact form lists accepting payments, card payments, sending payments, multi-currency accounts, bulk transfers and multi-user access. This information is the company's own statement.