Corporate Information

THRIFTPAY® Technology Limited is a private limited company incorporated in England and Wales.

THRIFTPAY® operates as a financial infrastructure provider supporting licensed financial institutions, development finance initiatives, and ecosystem partners focused on expanding sustainable MSME financial access.

We provide technology, operational infrastructure, and strategic enablement services that help licensed institutions scale financial inclusion responsibly and efficiently.
Company Registration Number

17016530
Operating Model

Infrastructure Enablement
Primary Focus

Sustainable MSME Financial Access
Customer Interface

Delivered through licensed financial institutions and regulated partners
Corporate Headquarters

London, United Kingdom
PARTNER WITH THRIFTPAY®

Nature of Activities

THRIFTPAY® provides financial infrastructure that enables licensed financial institutions to expand sustainable MSME financial access at scale.

Our infrastructure supports institutions serving:

Micro enterprises
Small businesses
Medium-sized businesses
Traders and merchants
Self-employed professionals
Informal sector participants
Underserved communities

THRIFTPAY® DOES NOT:

Accept customer deposits
Hold client funds
Lend directly to consumers
Provide regulated financial services directly to the public
Operate as a bank
Operate as a payment institution
Operate as an electronic money institution
Act as an investment firm
Assume regulatory responsibility on behalf of licensed institutions

THRIFTPAY®’s role is to strengthen the operational capacity, scalability, and ecosystem connectivity of participating financial institutions.

All regulated financial activities remain the responsibility of the appropriately licensed institution.

Regulatory Position

THRIFTPAY® operates as a financial infrastructure provider.

The company supports regulated financial ecosystems but does not itself undertake regulated financial activities requiring authorization solely by virtue of providing technology, infrastructure, operational support, advisory services, or ecosystem enablement.

Where regulated financial services are delivered through THRIFTPAY® -enabled ecosystems, those services remain the responsibility of the licensed financial institution providing them.

THRIFTPAY® DOES NOT:

Safeguard customer funds
Hold deposits
Issue electronic money
Provide consumer credit directly
Conduct regulated investment activities

Jurisdiction & Governance

THRIFTPAY® Technology Limited is incorporated in England and Wales and operates under applicable UK corporate and commercial laws.

The company maintains governance standards designed to support responsible ecosystem development, institutional partnerships, operational transparency, and sustainable financial inclusion.

All partner institutions remain responsible for compliance with the laws, regulations, licensing requirements, and supervisory expectations applicable within their respective jurisdictions.

Role Clarity

THRIFTPAY’s role is to provide infrastructure that enables financial institutions to reach more MSMEs more efficiently.

We do not replace licensed financial institutions.
We do not assume customer relationships.
We do not assume balance sheet risk.
We do not assume regulatory obligations belonging to licensed institutions.

Instead, THRIFTPAY® provides the infrastructure, tools, and ecosystem capabilities that help institutions:

Expand financial access
Improve operational efficiency
Strengthen digital delivery
Scale responsibly
Reach underserved MSME segments

Financial products and regulated services remain the responsibility of the licensed institution providing them.

Contact for Legal & Regulatory Matters

For legal, governance, compliance, or regulatory enquiries:

THRIFTPAY® Technology Limited

483 Green Lanes  
London N13 4BS  
United Kingdom

Email: legal@thriftpay.co.uk

Building The Infrastructure Behind Sustainable MSME Growth

THRIFTPAY® provides financial infrastructure that enables licensed financial institutions to expand sustainable MSME financial access at scale through technology, ecosystem partnerships, and operational innovation.