Security and trust

We stay outside FCA regulation by never touching money. A licensed provider initiates every Pay by Bank payment; funds go straight to your business account.

Licensed provider

FRN pending — named when the licensed partner is contracted. Provider branding and terms appear in the bank flow.

Money flow

Customer bank → your account. Fyno only receives signed webhook status updates.

Anti-scam

Branded checkout, company number, verified-payee cues, and matching references on any bank-transfer fallback.

Data & hosting

UK/EU Postgres (Supabase London), RLS between businesses, MFA for owners/admins, audit log. ICO registration pending.

Company

Fyno Ltd. Company number pending. Cyber Essentials planned at launch.