Cash and coin is credit too: A promise to pay drawn on the Bank of England: Until you assess them individually it's not always obvious that some creditors are a better risk than others.


Ardohr Limited, trading as CreDec, is authorised by a number of UK financial and regulatory authorities, which together constitute our licence to serve:   

CreDec is authorised and regulated by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017, as an Authorised Payment Institution (API) Firm Registration Number 791622.


CreDec is an authorised Open Banking Third Party Provider (TPP) with Account Information and Payment Initiation permissions.


CreDec provides real time payments using the Faster Payment Service (FPS) part of the New Payment System Operator (NPSO) under FPS indirect access.


CreDec is accredited by BACS, the UK Payment System Operator (PSO) part of the UK New Payment System Operator (NPSO): with the BACS payment processor registration number: B30368

CreDec is registered with the UK Information Commissioner’s Office as a trading name of Ardohr Limited, registration number: Z2056154 on the Register of Data Controllers at


CreDec is registered as a Money Services Business with HM Revenue & Customs, MLR Registration No. 12623729 (W1J). Money Services Business Register formerly available here.