• For clients based in the European Economic Area, payment services for Paynode are provided by CurrencyCloud B.V.. Registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 – 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorized by the DNB under the Wet op het financieel toezicht to carry out the business of an electronic money institution (Relation Number: R142701).
• For clients based in the United States, payment services for Paynode are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.
• For clients based in the United Kingdom and the rest of the world, payment services for Paynode are provided by The Currency Cloud Limited. Registered in England and Wales No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).
• Payment services (Non MIFID related products) for Paynode are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

Safeguarding Information
When funds are posted to your account, in line with regulatory requirements, the regulated e-money/payments partner institutions (Currencycloud and Adyen) who we work with safeguard your funds. This means that the funds shown in your payment account or e-wallet are held at reputable banks or covered by an insurance policy, and most importantly, are protected for you in the event of our partner institutions’ (Currencycloud and Adyen), or our, insolvency. Our partners stop safeguarding your funds when the money has been paid out of your account to your beneficiary’s account. If you require a breakdown of the exact amounts of funds you have safeguarded at each of our partners (Currencycloud and Adyen) at a particular point in time, please do not hesitate to contact us.

Complaints
We are your first port of call for any queries or concerns, including complaints. We will handle these complaints in line with our complaints process. To file a complaint or for any other inquiries, go here and submit a support ticket. We will respond to you within two business days and will resolve the issue within 15 business days (35 working days in exceptional circumstances).
We work with e-money and payment institution partners to provide you with our services, namely Currencycloud and Adyen. Currencycloud ultimately provides you with geographically or functionally limited elements of regulated Payments and E-money services in the UK/EU/US. Adyen provides you with a flexible payment solution for platforms to accept payments globally. These partners have certain obligations as regulated financial services institutions, including around complaints. We keep them informed of the complaints we receive from you regarding the regulated Payments and E-money services they ultimately provide to you. They oversee how we handle complaints to ensure we do this to the standard required under the regulations. However, if for any reason your complaint regarding your Payments and E-money services has not been acknowledged or dealt with by us, or if you have concerns about the way it has been handled, Currencycloud’s complaints information can be found here, and Adyen’s can be found here.
If, for whatever reason, you are unhappy with our response and you are a resident of the UK, you can contact the Financial Ombudsman Service (FOS) either by mail, using an online form, or by telephone. Further details and how to contact FOS can be found here.