About Us

Our team has decades of experience helping clients with their traditional business banking needs in a technologically modern way. 

While delivering these traditional banking services, we often asked ourselves, “Should it really be that difficult to process simple payments”? 

We found significant uncertainty and a lack of user-friendly, modern technology in the financial payments space, tied to payment friction and unnecessary delays, especially in cross-border environments. 

This is why we developed Bedford Pay, where our modern financial technology (fintech) puts you, our business customer, first throughout the payment process, ensuring your needs are met with the utmost respect. 

Since our inception in 2017, we have helped our business customers in the corporate sector with our secure, modern technology, which facilitates online payments in multiple currencies.

To provide secure, straightforward and technology‑driven electronic money and payment services that enable UK and international clients to move money confidently, efficiently and transparently, under the oversight of the UK Financial Conduct Authority (FRN: 900933), while consistently delivering service standards that exceed expectations for both business and private account holders.

Every successful neo bank business starts with an excellent team, great systems and strong relationships with reliable business partners. Our values include exceeding our clients’ expectations every single time through our superb service.

Client first, always: Every product, process and interaction is designed around the needs of our business and private clients, prioritising clarity, responsiveness and ease of use in domestic and cross‑border payments.

Regulated, responsible, resilient: As an FCA‑regulated and registered Electronic Money Institution, Bedford Pay operates with disciplined governance, rigorous safeguarding of customer funds and robust risk management, ensuring compliance with the Electronic Money Regulations and related UK requirements.​

Security and trust by design: Secure systems, robust AML/KYC controls, and data protection are embedded throughout the platform and lifecycle, enabling clients to rely on Bedford Pay as a safe, long‑term partner for their payment and e‑money needs.

​Technology that simplifies complexity: Bedford Pay uses modern fintech infrastructure to reduce the friction of multi‑currency accounts, FX, and international transfers, turning complex payment flows into simple, intuitive user journeys for businesses.

Partnership and shared growth: The firm works collaboratively with introducers, partners and clients, using insight and tailored solutions to help them expand into new markets and improve their financial operations and impact.​

Continuous improvement and accountability: Performance, controls and customer outcomes are reviewed continuously, with a culture that encourages feedback, responsible innovation and transparent escalation when things go wrong, so that service and compliance both improve over time.​

We are a UK-registered Limited company, registered company number: 11082273. Likewise, grateful to be regulated by the UK FCA, which gives our clients more confidence that our technology and systems are genuine, safe and secure. We operate under the UK FCA EMD license type as a SEMI (Small Electronic Money Institution), firm reference number: 900933. 

All KYB (Know-your-Business) checks and requirements are met in the easiest, most convenient way for our business customers, ensuring that Bedford Pay delivers financial solutions that are fit for purpose for their financial needs and objectives. 

Our systematic approach simplifies complex matters such as:

• International Cross-border Payments.
• The ability to Exchange Currencies at low cost with reasonably assigned basis points over the market price.
• Seamless payments in bulk for invoices, to employees, and more.
• Dynamic Customer Support is available through a secure online platform.
• Efficiently scheduling an online video call meeting with financial institution representatives to get answers and get the business done.

We have created user-friendly systems that support businesses of any size, helping them manage their payments simply and efficiently by allowing them to receive emails and messages from Bedford Pay on their smartphones via our Android and iOS apps.

Bedford Pay is registered to provide online payment services to business customers in the UK and is fully regulated under the UK’s EMRs (The Electronic Money Regulations 2011) and the UK’s PSRs (The Payment Services Regulations 2017), in line with the services provided.