Who Is TrueLayer Limited?
TrueLayer Limited is a London-based financial technology company specialising in open banking infrastructure. Established on 14 July 2016, and formerly operating under the name Finport Limited, TrueLayer is now one of the UK and Europe’s most prominent players in real-time, bank-to-bank payment solutions.
Headquartered at Part Ground Floor (East), Floors 6 & 7, The Gilbert, 40 Finsbury Square, London, EC2A 1PX, TrueLayer operates under the company number 10278251 and is registered as a Private Limited Company in the United Kingdom.
At the core of its mission is a vision to “level the paying field” by offering faster, safer, and more cost-effective alternatives to traditional card-based payments. Trusted by major brands like Papa John’s, lastminute.com, and Jaja Finance, TrueLayer has built Europe’s fastest-growing Pay by Bank network, responsible for 40% of all UK bank-to-bank transactions.
With a regulated status as an Electronic Money Institution (EMI) under the Financial Conduct Authority (FCA), TrueLayer offers an enterprise-grade suite of open banking APIs tailored for payments, data access, and user verification, supporting a range of industries from eCommerce to iGaming and cryptocurrency platforms.
Who Leads TrueLayer Limited and What Is the Company’s Structure?
TrueLayer is led by a dynamic team of directors with extensive experience in fintech, regulation, and technology innovation. As of 2026, the leadership team includes the following key individuals:
| Name | Role | Appointed On | Nationality | Country of Residence |
| Robert Daniel Kerrigan | Director | 20 Jan 2025 | British | England |
| Muhamad Hussein Mirza | Director | 20 Jan 2025 | British | England |
| Camilla Jane Richardson | Director | 19 Feb 2024 | British | United Kingdom |
| Olivia Charlotte Elizabeth Goddard | Secretary | 12 May 2025 | British | United Kingdom |
The leadership’s diverse skill set allows TrueLayer to remain both agile and compliant within the rapidly changing financial services landscape.
The company’s internal structure includes dedicated product development teams, compliance officers, and partnership specialists, all focused on driving innovation while upholding the highest standards of security and governance.
What Is the Capital Strength and Financial Position of TrueLayer Limited?
TrueLayer Limited is recognised for its financial resilience, scalability, and investor-backed growth model. It is supported by a global consortium of venture capital investors and has reported robust financials year after year, aligning with its aggressive expansion across Europe.
| Financial Attribute | Detail |
| Company Status | Active |
| Incorporation Date | 14 July 2016 |
| Company Number | 10278251 |
| Company Type | Private Limited Company |
| Registered Office | 40 Finsbury Square, London, EC2A 1PX |
| SIC Code | 62090 – Other information technology services |
| Last Accounts Filed | 31 December 2024 |
| Next Accounts Due | 30 September 2026 |
| Confirmation Statement Due | 27 July 2026 |
With an annualised payment volume of $116 billion, over 20 million consumers in their ecosystem, and one new user joining every 3 seconds, TrueLayer continues to scale both its operations and user base at pace.
Its “Pay by Bank” offering significantly reduces operational costs and enables merchants to retain a greater portion of each transaction, making it a commercially attractive choice.
What Services and Features Does TrueLayer Limited Offer?
TrueLayer is reshaping how payments work in the UK and beyond by eliminating the need for traditional cards. Its product suite is underpinned by secure APIs and includes the following services:
Key Services
| Service Name | Description |
| Pay by Bank | Instant, secure payments directly from a customer’s bank account with biometric authentication. |
| Payouts | Enables real-time refunds and mass disbursements for sectors like gaming, trading, and finance. |
| Variable Recurring Payments (VRPs) | A modern alternative to direct debits, allowing ongoing customer-authorised payments. |
| Payment Links | Generate unique URLs for collecting payments via SMS, email, or social media. |
| Account Information Services (AIS) | Offers real-time access to user financial data with consent, for insights or credit risk assessment. |
| Account Verification | Confirms identity and ownership of bank accounts to reduce fraud and streamline onboarding. |
| Signup+ | Simplifies user registration by integrating ID verification with first-time payments. |
| Verified Payouts | Guarantees correct recipient banking details during disbursements. |
Developer-Focused Tools
TrueLayer’s services are highly developer-friendly, offering:
- RESTful APIs and SDKs for Java, Node.js, PHP, iOS, and Android
- A TrueLayer Console for merchants to monitor transactions, generate reports, and manage refunds
- Real-time analytics and onboarding features via dashboards
Sector-Specific Integrations
TrueLayer has tailored its platform to serve key verticals:
- eCommerce: One-click bank payments to improve checkout conversion
- Financial Services: Account aggregation and affordability insights for credit products
- iGaming: Instant payouts and verified onboarding for player satisfaction
- Crypto: Seamless fiat on-ramps with bank-level security
Its commitment to removing intermediaries, fraud-prone processes, and costly card networks has made it the preferred choice for merchants seeking efficiency and customer trust.
How Can You Contact TrueLayer Limited?
TrueLayer offers robust support and multiple ways for businesses, developers, and consumers to get in touch. Whether you’re a merchant, a developer, or a customer, their support ecosystem is equipped to respond quickly and thoroughly.
| Contact Type | Details |
| General Enquiries | +44 (0)20 7854 8900 |
| Complaints | complaints@truelayer.com |
| Partnerships/Business | https://truelayer.com/contact/ |
| Compliance | compliance@truelayer.com |
| Support Portal | support.truelayer.com for developers and clients |
| Registered Address | Part Ground Floor (East), Floors 6 & 7, The Gilbert, 40 Finsbury Square, London, EC2A 1PX |
For new developers or businesses looking to integrate, TrueLayer’s website provides a “Start Building” journey that allows immediate access to API documentation and sandbox environments.
Why Choose TrueLayer Limited?
TrueLayer is not just a technology provider, it’s a financial infrastructure enabler for the modern economy. With card fraud expected to rise by £10 billion by 2028, and merchants facing mounting fees, the “Pay by Bank” revolution is both a secure and cost-saving alternative.
Key Reasons to Work with TrueLayer:
- Handles 40% of all UK Pay by Bank transactions
- Reduces payment costs by up to 40%
- Improves conversion rates by more than 20%
- FCA-regulated and bank-grade security
- Seamless onboarding and payment experience via mobile banking apps
- Trusted by industry leaders in gaming, travel, retail, and fintech
With an ever-expanding network and a user-centric, developer-first approach, TrueLayer Limited is shaping the future of finance, one secure, instant bank payment at a time.
