# CreDec — Payment Provider

CreDec (the trading name of Ardohr Limited, an FCA-authorised payment institution) is a UK business payments platform for sending and collecting payments in real time. It connects to a business's existing bank accounts, so it does not hold the funds, and its payment services can be built into other platforms. It also lets finance teams and third parties such as accountants and payroll providers process payments without having access to the bank account. The website says the service is 'coming soon' and is taking early-access registrations.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** UK businesses, from SMEs to enterprises, plus finance intermediaries such as accountants and payroll providers that want to send and collect payments in real time straight from their existing bank accounts.
- **Categories:** regional, embedded
- **Countries served:** 1 (GB)
- **Payment methods:** bacs, faster_payments, open_banking

## Legal & compliance

Legal entities:
- Ardohr Limited — United Kingdom — licenses: Payment Institution, GB, FCA
- CREDEC LIMITED — United Kingdom — licenses: Payment Institution, GB, FCA

2 license numbers and 3 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/credec#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=credec&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/credec

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)