Regulation
What Is FCA Authorisation and Why It Matters for Your Money
📅 May 2026·⏱ 6 min·✍️ LanovaPay Team
The Financial Conduct Authority (FCA) is the UK's financial services regulator. If you're sending money through a UK company, whether they're FCA-authorised matters — a lot.
What the FCA Does
- Sets rules for how financial companies must behave
- Requires companies to safeguard customer funds
- Mandates transparent pricing and clear communication
- Investigates complaints and can shut down non-compliant firms
Authorised vs Registered
"FCA Registered" and "FCA Authorised" are different. Authorised firms face stricter requirements including minimum capital, ongoing reporting, and regular audits.
LanovaPay's Status
Lanova Pay Ltd has applied for FCA Authorisation as a Payment Institution (FRN: 936012). Our live service will launch upon approval.