Regulation and licensing

FTFT Pay is a trading brand of FTFT Finance UK Limited, a company registered in England and Wales with number 16399754.

Registered office: Horizon House, 136B Darkes Lane, Potters Bar, London EN6 1AF, United Kingdom.

FTFT Finance UK Ltd is part of Future FinTech Group Inc. (NASDAQ: FTFT), a financial and digital technology services group operating across financial services, payments and money transfer, and blockchain technologies.

FTFT Finance UK Ltd is authorised by the Financial Conduct Authority (FCA) under the Payment Services Regulations. Firm Reference Number: 805666.

This authorisation allows us to provide payment and foreign currency exchange services to clients based in the European Economic Area, United Kingdom and outside the European Economic Area.

Payment and foreign currency exchange services are delivered through our global network of partner institutions, which help move your money securely and quickly to its destination.

Customer funds are kept separate from the company's own operating funds in line with our regulatory obligations.

Funds received for a transfer are held in segregated client accounts with regulated credit institutions and are used only to complete your payment. We never lend out customer money.

• Customer money held in segregated client accounts, separate from company funds.
• 256-bit encryption, two-factor and biometric login on every account.
• 24/7 fraud monitoring across all transfers.

• Identity verification on every customer before payments are processed.
• Ongoing transaction monitoring and sanctions screening.
• Reporting of suspicious activity as required by law.

As an FCA-authorised payment institution, FTFT Finance UK Ltd is supervised by the Financial Conduct Authority for compliance with the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. Customer due-diligence records are retained for at least five years after an account is closed, as those regulations require.

FTFT Finance UK Ltd is the data controller for personal data collected through FTFT Pay and processes it in line with UK data protection law. You can access, correct, delete, restrict or object to processing of your data, and request portability, at any time.

Data protection contact: privacy@ftftpay.com. Where data is transferred outside the UK, we rely on safeguards such as Standard Contractual Clauses.

If something goes wrong, contact us first through the support page.

Every complaint is handled personally by a Private Client Manager. We acknowledge complaints promptly and aim to resolve payment-services complaints within 15 business days, and no later than 35 business days in exceptional cases, in line with FCA rules.

If you are not satisfied with our final response, you may refer your complaint to the Financial Ombudsman Service, free of charge.