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Payments services are provided as part of the Spendesk product by Spendesk Financial Services in the EEA, by Adyen in the UK and by Sutton Bank in the US. Spendesk Financial Services is a French payment institution licensed by the ACPR under number 17518. Adyen N.V. is a Dutch bank, whose UK branch is licensed by the FCA to provide payment services under number 779800. Sutton Bank is an FDIC insured member institution. Visa debit cards are issued by Spendesk Financial Services in the EEA, by Adyen in the UK and by Sutton Bank in the US, pursuant to a license from Visa.