Brite Payments Limited is a UK-registered Electronic Money Institution authorised and regulated by the Financial Conduct Authority (FCA) to issue e-money and provide Payment Initiation Services (PIS) and Account Information Services (AIS) under the Electronic Money Regulations 2011 and the Payment Services Regulations 2017.

We enable businesses to accept real-time payments directly from customer bank accounts using open banking technology designed for speed, transparency and consumer protection.

You can use Brite through one of our registered merchants. When you go to pay online you’ll see Brite among the different payment options. Simply click on it and follow the instructions. No registration, no software; a valid bank account is all you need.

Brite Payments Limited is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom as an Authorised Electronic Money Institution under the Electronic Money Regulations 2011 and the Payment Services Regulations 2017.

As a regulated entity, Brite Payments Limited must comply with strict laws, regulations and security standards designed to protect customers and ensure safe and reliable services. You can read more about our obligations to users, how we issue e-money, initiate payments and process personal data in our General Terms & Conditions and Privacy Notice.

All transactions require strong customer authentication by the user. In the event of an error, Brite Payments Limited takes responsibility as further detailed in our General Terms & Conditions.

You have selected Brite at checkout to pay for goods or services. You can always contact us if you want more information about this transaction.

When contacting us, please, always include the payment message reference (this starts with “RF….”) from your bank statement or include the proof of payment with the transaction details.

For sales enquiries, please contact our Sales team. For help with Brite services or payments, contact our Customer Support team.

Authorised Push Payment (APP) fraud happens when someone is tricked into sending money to a fraudster who appears to be genuine.

Brite takes this risk seriously. As an FCA authorised Electronic Money Institution we follow strict rules and security standards to protect our users. All payments through Brite require strong customer authentication and are processed securely with your bank.

While Brite does not decide who you pay, we monitor transactions for unusual activity and provide clear steps for reporting suspected fraud. If you believe you have been the victim of APP fraud you should contact your bank immediately and notify us through our customer support form.

If you want to exercise your rights over your personal data or need assistance, please contact us by email at dataprotection@britepayments.com.

You have the option to voluntarily restrict your access to making payments with Brite for a specified period of time. Choose a fixed duration of 1, 3, 6, or 12 months, after which access will automatically be restored, or opt for an indefinite exclusion that remains in place until you request its removal. To self-exclude, contact us with the payment message reference from any previous transaction (typically starting with “RF…”) as shown on your bank statement or online banking. Please also specify how long you’d like to exclude yourself for. Note that you can still use Brite for payouts.

This feature is designed to support responsible consumption.

As a regulated EMI, Brite Payments Limited safeguards all customer funds received in exchange for e-money or in connection with regulated payments services. These funds are held in segregated accounts in a UK authorised credit institution, separate from Brite’s operational funds.

Customer funds are typically received directly into these safeguarding accounts, in line with the FCA’S immediate segregation method. We conduct daily reconciliations to ensure that the amounts held match the total value of e-money issued and payment service liabilities. Any discrepancies identified are promptly resolved by adjusting the safeguarded balance to maintain full protection. Safeguarded funds are never used for operational or investment purposes and are protected against claims from other creditors in the event of insolvency.

Unlike a traditional bank account, funds held with Brite are not covered by the Financial Services Compensation Scheme (FSCS). Instead, customers benefit from safeguarding arrangements designed to protect 100% of their balance and ensure that funds are returned in full in the event of insolvency.

Brite Payments Limited operates independently in the UK under local regulatory oversight and is part of the Brite Group.

At Brite, we know that life events or personal circumstances can sometimes make it harder to manage your finances or use our services. We call this being in a vulnerable circumstance. This might be due to health issues, bereavement, financial difficulty, communication challenges, or other personal situations.

If this applies to you, we want to make things easier. We may be able to:

• Give you more time to respond or make decisions
• Communicate with you in a way that works best (for example, using plain language or larger print)
• Provide extra guidance or signpost you to independent support services

We only ask for the details needed to help identify you and respond to your request. You can share as much or as little as you feel comfortable with, but please note that certain information (such as your payment reference or IBAN) is required so we can assist you. Your information will be kept secure and will not be used for marketing.

👉 Contact us if you’d like to let us know about your circumstances or need additional support. Please include any preferences you’d like us to consider when helping you.

Appendix 1 – External support services where end-users with problem gambling or gambling addiction can be referred

UK NHS:

NHS website for gambling addiction:

You can self-refer to a gambling clinic near you. Or you can ask a GP for information on services in your area.

Find out more about what’s offered and how to self-refer at: Help for problems with gambling

UK charities and support services for gambling addiction:

There are charities and support groups that offer free, confidential support to people who are gambling, and their friends and family.

• The National Gambling Helpline (run by GamCare) – call 0808 8020 133 for free 24 hours a day, 7 days a week for free information, support and counselling
• GambleAware – the National Gambling Support Network service
• Primary Care Gambling Service – a national service providing support for anyone experiencing gambling-related harms
• GamLearn – the Gambling Lived Experience and Recovery Network service
• Gamblers Anonymous – a local support group service that uses the 12-step approach to recovery
• Citizens Advice Bureau – a charity that can advise you on a range of issues, including finances and gambling
• ChapterOne – a charity that can provide advice and support for anyone experiencing gambling-related harms

Appendix 2 – External support services where end-users with financial problems or over-indebtedness can be referred

Here are some trusted organisations where you can seek free debt advice:

• StepChange or call 0800 138 1111 (UK)
• PayPlan or call 0800 072 1206 (UK)
• National Debtline or call 0808 808 4000 (England, Wales, and Scotland).
• Citizens Advice (England & Wales)
• Citizens Advice Scotland
• Money Advice Scotland
• Advice NI or call 0800 915 4604 (Northern Ireland).
• MoneyHelper Debt Advice Locator tool to find free and independent advice online, by telephone or face to face.

Make sure you are getting debt advice you can trust with StepChange’s new Check It, Trust It list.

It is possible to regain control of your debts and free debt advice is a valuable resource to help you along the way. You can find out more about what debt advice and support is available through our Money Guidance Factsheet. Support is readily available, and you’re not alone in this journey.

At Brite, we want everyone to be able to use our services easily. If you have a disability, health condition, or any other support need, we’ll do our best to make sure you can access our products and information without difficulty.

• What does accessibility mean at Brite?
  Accessibility means designing our website, app and communications so they can be used by everyone — including people with visual, hearing, mobility or cognitive impairments.

• What standards do we follow?
  • We aim to meet recognised accessibility standards, including:
  • WCAG 2.2 AA (international accessibility benchmark)
  • UK Equality Act 2010 (reasonable adjustments duty)
  • FCA Consumer Duty (fair treatment and good outcomes)
  • European Accessibility Act (Directive (EU) 2019/882)

• What steps are we taking?
  Clear language, good colour contrast, scalable text, compatibility with screen readers/assistive technologies, easy-to-use buttons and links, and regular reviews of accessibility.
  • Need information in a different format?
    Customers can request large print, plain text, or other accessible formats.
  • How can customers give feedback?
    Through our Feedback & Complaints form.