# Fena — Payment Provider

Fena (Fena Labs Ltd) is an FCA-authorised payment institution offering open banking account-to-account payments for businesses. Merchants can initiate pay-by-bank payments via API, e-commerce plugins, payment links, invoice QR codes and the Fena Terminal app for in-person QR payments. It also offers variable recurring payments, bulk payouts and a white-label option for partners.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** UK businesses that want to accept open banking pay-by-bank payments online, in person, via invoices or payment links as a lower-cost alternative to cards.
- **Fees:** from £4.99 + VAT / month, unlimited transactions
- **Fee model:** subscription
- **Settlement time:** Receive payments directly into your bank account within seconds
- **Categories:** traditional, embedded
- **Countries served:** 1 (GB)
- **Payment methods:** bank_transfer, open_banking, payment_link, qr_code

## Legal & compliance

Legal entities:
- Fena Labs Ltd — United Kingdom — licenses: Payment Institution, GB, FCA

1 license number and 1 register record (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/fena#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=fena&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/fena

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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)