Formerly known as Financial Collection Services (FCS) Ltd, we were established in 1994 providing swipe card payment facilities to facilitate revenue collection for local government and housing associations. We began with two clients and four members of staff.

Managing Director and Founder, Tony Killeen, first came up with the idea of electronic bill payments whilst collecting rents on behalf of the council:

“It was very frustrating working with paper-based bill payment systems. I knew there had to be a better way. This gave me the idea of using technology to speed up the process. What I used to do on paper at the council, we now do with swipe cards.

Our system provides convenience and choice for the people paying bills and greater efficiency for any organisation collecting payments.”

We are the market leader of payment services within the UK public and social housing sector, providing our range of payment channels to more than 50% of UK local authorities and 90% of the UK’s top 200 housing associations.

Established in 1994, we were built on the foundations of providing bill payment services – primarily to the public sector – and this year we will handle £8.5 billion serving over 4.5 million end customers.

With an aim to work with each of our clients to reduce costs, we have created a suite of modern payment systems that are both cost-effective and very convenient for the end consumer.

Since our launch, we have continued to grow and are now made up of a total of three businesses:

Bill Payments – Facilitating the collection and receipt of payments

Card Services – Since launching in 2008, has become one of the fastest-growing and most trusted brands in plastic card manufacturing, built on a reputation for delivering a bespoke and high-quality service to clients, no matter how small or large the requirement

Prepaid Cards – For the paying out of benefits and allowances

As part of our commitment to clients, we meet high standards of quality and security, achieving PCI DSS compliance alongside a comprehensive range of ISO certifications all of which can be seen here.

We are also committed to managing our growth responsibly to continue to make a positive contribution to the community and to the environment, as well as the workplace.


We understand your need for flexibility and the importance of keeping your customers completely happy. No other organisation offers such a comprehensive and unique bill payment collection and consolidation service. It’s really very simple; your customers can pay from the comfort of their homes or whilst out and about. We make it as easy for them to pay their bills as possible.

It is convenient for them and the results are delivered as and when you want them – electronically, direct to you or via our secure web portal. You will save money, improve efficiency and reduce arrears.

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If you would like to learn more about the electronic payment services framework click here.