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.
Datos de la cuenta
TIPOS DE CUENTABusinesses and platforms
DEPÓSITO MÍN.Not stated
PLATAFORMASWeb dashboard · API
PRODUCTOSPayment acceptance (fiat and stablecoin) · Multi-currency wallet · Global payouts · FX conversion · Corporate cards · Billing · Expense management · Embedded finance APIs
Licencias y regulación
FCA (Reino Unido)
N.º de licenciaFRN 801082
Titular de la licenciaPHOTON DANCE FINTECH UK LIMITED
AlcanceListed in the FCA register as an Authorised Payment Institution under PHOTON DANCE FINTECH UK LIMITED (FRN 801082) since 2 Aug 2018.
EstadoVerificada
SFC (Hong Kong)
N.º de licenciaCE BWJ859
Titular de la licenciaPhoton Dance Asset Management (Hong Kong) Limited
AlcanceListed 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.
EstadoVerificada
DFSA (Emiratos Árabes Unidos (Dubái))
N.º de licenciaF010944
Titular de la licenciaPhoton Dance (DIFC) Limited
AlcanceListed 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.
EstadoVerificada
Quejas de usuarios
Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.
Periodo analizado: diciembre de 2025 – octubre de 2026
Bloqueo y congelación de cuentas: 1
Atención al cliente: 1
Otros: 1
BAJO — NIVEL DE QUEJAS
El 79 % de las entidades con registros de quejas recibió más quejas que esta.
POR TEMA — Bloqueo y congelación de cuentas: Bajo · Atención al cliente: Bajo · Otros: Bajo
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, an alleged balance frozen for months over document requests, slow customer support, and processes described as untrustworthy stand out.
Fuentes e historial de verificación
Fuentes oficiales de la empresaphotonpay.com — homepage and footer, /uk/licenses and /en/licenses (licences), /uk/about-us (about us)
Registro mercantilCompanies House — PHOTON DANCE FINTECH UK LIMITED (formerly SILK ROAD FINANCIAL LIMITED), company no 09833045, incorporated 20 Oct 2015
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
ForexQ.com
