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 accredited by a number of UK financial and regulatory authorities, which together constitute our licence to serve:   

CreDec is regulated by the Financial Conduct Authority (FCA), formerly the Financial Services Authority (FSA), under the Payment Services Regulations, Firm registration number 543196.


CreDec is a member of BACS, the UK not for profit payment network owned by the UK clearing banks: It is an accredited 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.