Profile rates
Data-derived · A is broadestThree named tiers comparing this institution against the rest of the European register.
- Reach
- DomesticTier D
- Scope
- SpecialistTier C
- Tenure
- NewTier D
No EEA passporting on record.
Authorised for 2 payment-services activities.
Authorised within the last year.
About this institution
Verified active. EMBED PAY LTD holds a current UK Small e-money licence. The licence is authorised by the Financial Conduct Authority to safeguard customer funds and issue electronic money.
Passporting: none. The licence covers no provision of e-money services in any other EEA member states.
Licence granted 24 October 2025. The register notes no other passporting rights. The entity's authorisation continues as active. Financial Conduct Authority, reference 1035264, active as at the last register cross-check.
Licence timeline
3 dated eventsDated events for EMBED PAY LTD, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.
Cross-checked against the Financial Conduct Authority register
Automated daily verification of licence status and reference.
First verified and added to this directory
Small EMI registration granted by the Financial Conduct Authority
Position in the United Kingdom register
United Kingdom EMIs
474
Active
289
Full / small licences
403 / 71
Licence age rank
264/287
EMBED PAY LTD is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 264th oldest of the 287 dated United Kingdom EMI authorisations, one of 19 granted in 2025. As a small-EMI registration it operates domestically only - 71 of the 474 United Kingdom entries use this lighter regime.
Is your money safe with EMBED PAY LTD?
EMBED PAY LTD holds a small-EMI registration from Financial Conduct Authority, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by the FSCS, so there is no automatic compensation payout if the firm fails.
If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way. Small-EMI regimes are national and domestic-only; the exact safeguarding arrangements are worth confirming with the firm and its regulator.
Authorised activities (PSD2 / EMD2)
Payment-services activities EMBED PAY LTD is permitted to carry out under its licence, as recorded in the register.
- Issuance of electronic moneyEMI_ISSUANCE
- Safeguarding of customer fundsSAFEGUARDING
Frequently asked questions
- Is EMBED PAY LTD a licensed e-money institution?
- Yes. EMBED PAY LTD holds Small EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 1035264. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
- Who regulates EMBED PAY LTD?
- EMBED PAY LTD is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.
- What is EMBED PAY LTD's licence or FRN number?
- EMBED PAY LTD's licence reference number is 1035264. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.
Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.
Other licensed institutions in United Kingdom
Ratings & reader notes
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