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Fly Now Pay Later Limited acts as a credit intermediary and not a lender and is authorised and regulated by the Financial Conduct Authority under firm registration number 726937. Registered in England & Wales. Registered No: 06936813.

Loan facilities are provided by Pay Later Financial Services Limited who are authorised and regulated by the Financial Conduct Authority under firm registration number 672306. Registered office: 4th Floor, 33 Cannon Street, London, EC4M 5SB, United Kingdom. Registered in England & Wales. Registered No: 09020100.

Fly Now Pay Later® are registered trademarks of Pay Later Group Limited.

Payment accounts and Mastercard cards are issued by Paynetics AD (via Paystratus Group Ltd, a Technical Provider of Paynetics AD) with company address at 76A James Bourchier Blvd, 1407 Sofia, Bulgaria, company registration number 131574695 and VAT BG131574695, pursuant to an e-money license issued by the Bulgarian National Bank No. 44/11.04.2016.

Electronic Money issued is not covered by any Deposit Guarantee Scheme which is a government backed scheme offering protection to customers' funds of up to €100,000 (£85,000 in the UK under the FSCS) per customer. However, in the event of an insolvency, your funds would remain in the safeguarded account at the designated Bank and separated from Paynetics' accounts.

In the event of Paynetics going out of business, an insolvency practitioner would be appointed to return the funds Paynetics has safeguarded to the customers. This means you would get most of your funds back, except for the costs deducted by the insolvency practitioner for returning the funds to the customers.