✓A real UK company, since 2019.
UNIPaaS Financial Services Ltd, registered in England & Wales, company no. 12314440:
Companies House record ↗
✓Funds safeguarding.
As an authorised Payment Institution, client funds are held in safeguarded accounts, segregated from company money — a legal obligation under the UK Payment Services Regulations 2017, supervised by the FCA. Settlement runs on J.P. Morgan banking rails.
✓Processing real payments since 2020.
UniPaaS has run embedded payments and payouts for UK software platforms for years — paas.build is a new front door to the same regulated infrastructure, built for builders without a company. Parent site:
unipaas.com ↗
✓Why we can open your account the same day (and why there's a cap).
Progressive KYB: we verify you in stages instead of all upfront. You get a live account immediately, capped at £1,500 until verification completes — then the cap lifts. The cap isn't a limitation we hide; it's the regulated mechanism that makes same-day onboarding legal and safe. That's the honest trade.
✓What we are NOT.
We are not a Merchant of Record. You stay the merchant: your name on the checkout, your customer relationship — and your tax obligations. If you want global VAT/sales tax handled for you, an MoR like Paddle is genuinely the better choice —
here's the honest comparison.
Questions about any of this? Ask the CTO directly — contact. We answer plainly.