Building the infrastructure
for private payments in the UK.

The company

DigiCheques Limited is a UK fintech incorporated in March 2026, building a digital payment token platform that modernises the cheque for the digital age. We are the cheque book on your phone — a named, single-use payment instrument that enables anyone to send money to anyone with a UK bank account, without either party sharing their bank details or joining a platform. We are currently raising our seed round and pursuing FCA authorisation in parallel with the build.

The opportunity

• A structural gap in UK payments. Every existing digital payment method requires either shared bank details, a shared platform, or both. DigiCheques requires neither. It is the first named, single-use payment token designed for the UK Faster Payments infrastructure.
• APP fraud is a £1 billion problem. Authorised push payment fraud cost UK consumers over £1 billion in 2023. DigiCheques addresses the root cause structurally — a named token that cannot be intercepted, redirected, or reused — rather than through detection after the fact.
• Multiple verticals from a single infrastructure. Personal payments, gift experience, charitable giving with Gift Aid integration, and contractor payments are all addressable through the same token architecture. Each vertical adds revenue without rebuilding the platform.
• A SaaS layer on top of transaction revenue. The charity dashboard and contractor platform tiers generate recurring subscription revenue alongside the £0.99 per-transaction fee, building predictable income alongside volume-dependent growth.
• Financial inclusion by design. The recipient needs only a UK bank account — no smartphone, no platform account, no registration. DigiCheques reaches people that pay-by-link cannot.

The team

The round

DigiCheques is currently raising a seed round structured as SEIS/EIS qualifying investment. The round funds the FCA authorisation process, the initial technology build, and the first twelve months of operation. For full financial information, the investor deck, and a conversation with the founding team, please contact us directly.