Guavapay Limited

About this institution

Dated events for Guavapay Limited, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 01 Oct 2026

   Cross-checked against the Financial Conduct Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 03 Jun 2019

   Small EMI registration granted by the Financial Conduct Authority

Position in the United Kingdom register

Guavapay Limited is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 125th oldest of the 287 dated United Kingdom EMI authorisations, one of 33 granted in 2019. 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 Guavapay Limited?

Guavapay Limited 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.

How e-money safeguarding works → Verify on the register →

Authorised activities (PSD2 / EMD2)

Payment-services activities Guavapay Limited 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 Guavapay Limited a licensed e-money institution?

Yes. Guavapay Limited holds Small EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 900888. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.

Who regulates Guavapay Limited?

Guavapay Limited 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 Guavapay Limited's licence or FRN number?

Guavapay Limited's licence reference number is 900888. 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.

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