BEPI Ltd is a UK-regulated electronic money institution (EMI) authorised by the Financial Conduct Authority (FCA). This allows BEPI to provide payment services such as business accounts, transfers, virtual cards, and payment processing. Unlike traditional banks, BEPI does not offer loans or credit products. Its role is to help businesses hold, manage, and move money efficiently and securely.

Yes. Client funds held with BEPI are protected through safeguarding. All client funds are kept separately from BEPI’s own funds in dedicated safeguarded accounts with authorised banks, in accordance with UK regulatory requirements. This means your money is: - Not used for lending or investments; - Not mixed with BEPI’s operational funds; - Held in line with strict regulatory rules designed to protect clients. While BEPI is not a bank and client funds are not covered by traditional bank deposit guarantee schemes, safeguarding ensures that client funds remain protected and segregated.

E-money is a digital alternative to cash that is stored electronically in your BEPI account. It allows you to hold funds, make payments, and transfer money without using a traditional bank account. With BEPI, e-money can be used to: - Pay for goods and services; - Make local and international transfers; - Manage business spending through cards and payment tools. E-money represents real funds and is issued in accordance with regulatory requirements. The value stored as e-money is always equal to the amount of money you have added to your account.

No. You don’t need your own financial licence to work with BEPI. BEPI is a UK-regulated electronic money institution, which means we can provide payment and e-money services in line with regulatory requirements. By using BEPI, you can offer these services to your customers without becoming a regulated financial institution yourself. BEPI handles the regulatory and compliance side, so you can focus on running your business.

A virtual card is a digital payment card with no physical version, designed for secure online payments. With BEPI, virtual cards are issued instantly and can be used for online purchases, subscriptions, and advertising spend. They can also be added to digital wallets such as Apple Pay and Google Pay.

Your BEPI virtual card is issued instantly and can be used right away. If available, you can also order a physical card linked to the same card details.