Help Center

Frequently Asked Questions

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What documents will I need to create an Individual Blackthorn account?
We will need to verify your identity through a photographic ID (Passport, driving license or National ID card). You will also need to provide proof of address that’s dated no longer than 90 days from the current date.
How long does it take to open an Individual account?
Hopefully, we can have your account up and running within 24 hours. However, the onboarding time frame will vary on the type of account you wish to open.
Which devices are compatible to use my Blackthorn account?
Blackthorn is compatible with iOS 10 and above, and on Android 5.0.0 and above.
How do I update my personal details?
If you want to make changes to your personal details, please contact us at Our support team will help with a smooth transition.
I have forgotten my password
This is easy, all you need to do is click on the Forgot Your Password link and follow the self-reset your password steps.
Will I be protected by the Financial Services Compensation Scheme (FSCS)?
No, as Blackthorn is not a banking, but a payment service provider, your money won’t be protected by the Financial Services Compensation Scheme (FSCS). Instead, your money will be protected through a process known as “safeguarding”. Please refer to our terms and conditions.
What is a payment account?
It is a Traditional Blackthorn payment account offered for all clients used for the execution of payment transactions
What is a C2B account offered by Blackthorn?

It is an additional payment account that Blackthorn Finance offers only for financial institutions clients to collect funds specifically related to their customers out of the company's payment account*.

This account will be held in your name including the words “CTB account” and the funds placed there shall be used to collect funds from your clients and/or Liquidity Providers to execute future payment transactions within a period of time defined in accordance with our T&Cs.

This account IS NOT a safeguard account offered by banks to segregate client money from operational funds and to block access to this money by third parties, keeping the funds safeguarded. It is just an additional facility that Blackthorn offers for you.

How do I make a complaint?

At Blackthorn Finance we are always looking for ways to improve our Service to You, that is why we want to know if you are not happy with any part of our Service whether you are a customer, or a prospective customer.

Should you wish to raise a complaint at anytime,  we need fully understand what has gone wrong and to get the best possible resolution for you.

To make sure your complaint reaches us as soon as possible, please follow the below steps:

  • Menu > Help & Support > How do I make a complaint?
  • Send an email to:
  • Please email us with your account details, and as much information about he complaint that you feel you are able to give.

Once received, we will acknowledge your complaint within 3 working days, and we will look to resolve it within 15 working days or as soon as is possible

The Financial Ombudsman Service (FOS)

If you are dissatisfied with our response to your complaint, you have the right to contact the FOS, free of charge, but you must do so within six months of the date of our final response letter. If you do not refer your complaint in time, the FOS will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.

The FOS contact details are:

  • Financial Ombudsman Service
    Exchange Tower
    Harbour Exchange Square
    E14 9SR
  • Tel: 0800 023 4567 or 0300 123 9123
  • Email:
Blackthorn Finance Limited is an authorised payment institution and regulated by the Financial Conduct Authority (FRN 927408) under the Payment Services Regulations 2017 (PSRs).

Blackthorn Finance Limited is registered in England and Wales under number 10024682.

Blackthorn Pay Inc. is registered in Canada under the number BC1334854 and regulated by MSB under the number M22784529. Registered address is 50 Lonsdale Ave Suite 205 Vancouver, BC, Canada V7M2E6
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