PayrNet Limited
Reference number: 900594
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
Identity
Check their details
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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No website on the FCA register
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Verified phone number
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Verified address
3rd Floor, VINTNERS PLACE, 68 UPPER THAMES ST, London, EC4V 3BJ, United Kingdom
- Railsr
Company details
From the company's Companies House record.
- Company number
- 09883437
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 23 November 2015 (10 years old)
- Registered office
- 3rd Floor, Vintners' Place, 68 Upper Thames Street, London, EC4V 3BJ, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| David Ronald Gagie | Director | Feb 1955 | 18 Sep 2025 |
| Ian Alexander Irving Strafford-Taylor | Director | Oct 1960 | 27 Nov 2025 |
| Wendy Nicole Braithwaite | Secretary | Not published | 15 Mar 2024 |
Activities and protection
What they can do, and how you are protected
- Handle payments & transfers Funds safeguardedYour money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
Show FCA detail (8 permissions)
- a) Services enabling cash placement on a payment account
- b) Services enabling cash withdrawals from a payment account
- c) Execution of payment transactions (not covered by a credit line)
- d) Execution of payment transactions (covered by a credit line)
- e) Issuing payment instruments or acquiring payment transactions
- f) Money remittance
- g) Execution of payment transactions via telecoms, IT system or network operator
- h) Issuing Electronic Money
Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Track record
What customers have complained about
Names it no longer trades under
This firm has retired 5 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.
Show the retired names
- LightingAid
- Neat
- Neat Business
- Neat Finance
- Railspay
Complaints record
In January–June 2025, the Financial Ombudsman Service received 47 new complaints about this firm, and upheld 24% of the ones it decided.
That is below the 31% median for the firms the Ombudsman reports on. This firm receives few enough complaints that the rate moves sharply on a single case, so treat the comparison loosely.
- Banking and credit 47
A bigger firm receives more complaints simply because it has more customers. FOS complaints data →
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Common questions