Security and regulation
Client money never touches us.
Funds are held and paid out by an FCA-authorised payment institution. We run the process around them, with the controls your COFA expects.
- Payments institution
- Link FX PLC
- Regulator
- Financial Conduct Authority
- Firm reference number
- 535266
Where the money sits
Held by Link FX, not by us
Settlement funds move from your client account into a safeguarded account with Link FX PLC, an FCA-authorised payment institution (FRN 535266). Claims Gate Pay never holds client money or controls the account.
The payee confirmed before every payment
Link FX runs Confirmation of Payee and bank-account checks when each client's account is registered. A mismatch stops the payment with a stated reason.
Your firm stays the regulated party
You fund the settlement, authorise every payment and make the AML decision. Sanctions, PEP and insolvency screening is advisory and shown to you on every payment.
Who can do what
Every action in the console is tied to a named person and a role.
- Dual authorisationAbove a limit you set, a batch needs two sign-offs before it moves.
- Roles for every jobOrg admin, operator, approver, auditor and viewer. Each person sees and does only what their role allows.
- Two-factor sign-inAn authenticator-app code is required every time someone signs in to the console.
- Bank details encrypted one by oneEach client's bank details are encrypted with their own key, managed in Google Cloud KMS. Every time details are revealed, it's logged.
- A full audit logWho did what, with their role and the before and after values. Exported to CSV for your COFA.
- Erasure on requestA client's personal data can be erased when they ask.
Worried a payment message is a scam?
Clients can check what a genuine Claims Gate Pay message looks like, and what we will never ask for.
Walk your COFA through it.
We will take your compliance team through every control.