FCA Regulation – E-Money License
Payment services for Talk Payments Ltd 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 authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199)
EEA End Customers
For clients based in the European Economic Area, the issuance of e-money and the provision of related payment services for Talk Payments are provided by CurrencyCloud B.V. CurrencyCoud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701).
FinCEN Regulation
Payment Services for Talk Payments Ltd are provided by The Currency Cloud Inc. Registered Office: 104 5th Avenue, 20th Floor, New York , NY 10011. The Currency Cloud Inc are registered with FinCEN and authorized in 22 states to transmit money.
United States End Customers
Payment services in the United States 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.
Data Security
Our online platform has a number of implementations to provide you with bank grade levels of security.
Physical Security
Multiple high security Tier 4 Data Centres used by banks and other financial institutions.
Network Security
Firewalls are managed by dedicated staff and undergo regular third party penetration tests, to ensure our service is secure.
Encryption
All network traffic is encrypted and all sensitive customer data is also stored in an encrypted format.
DStrong Access Control
Uique ID’s for each individual and we require two step authentication for all access.