Universe Payments is a cross-border payments business for corporates, based in the UK and Bulgaria. The UK based company (Universe Payments Ltd) is regulated by the FCA as an Authorised Payment Institution to carry out payment services and the Bulgarian entity (Universe Technologies Ltd) is registered with the National Revenue Agency as a crypto asset exchange and provider of custodial wallets.
The Team
Our leadership team has worked for a number of successful fin tech scale ups including Equals Money, BVNK, PXP Financial, Datacash and Neteller.
Tony Quirke
Chief Executive Officer
Universe Payments is led by Tony Quirke, a payments veteran of 20 years, highly experienced in bringing new payment innovations to market.
Tony was formerly CFO of AIM listed payments company Equals Money, specialising in banking and international payments for businesses. He was also part of the founder team of PXP Financial that created a global payment processing business and has been an advisor to various fintech and crypto scale-ups including BVNK and Tap Global.
Terry Cave
Chief Operations Officer
Terry Cave is a regulated executive with 20 years experience in Fintech, Payments and Cyber.
Previously Terry was CEO at BVNK, a cross border digital payments scale up that bridged the gap between fiat and digital assets, bringing payments, trading & custody, and banking to a single platform.
He was previously CEO of AIM listed Datacash which was acquired by Mastercard and has held a range of non-exec roles within fintech and payments.
Des Hellicar-Bowman
Chief Risk & Compliance Officer
The risk and compliance team is led by Des Hellicar-Bowman – an FCA approved Director of Compliance and Risk and designated MLRO.
Des has 30 years’ experience across banking (HSBC) and payments (Neteller, PXP Financial and Glint Pay)
He has also been an advisor to various fintech scale-ups including BVNK and Tap Global Group plc and is a regular contributor to industry advisory groups around best practice across areas including financial crime, regulatory compliance, Data Protection and European Directives.
Gareth Twist
Commercial Advisor
The commercial team at Universe Payments is led by Gareth Twist, an entrepreneurial leader with 25 years experience dealing with clients across the globe.
He is highly experienced in commercial management and grow, cross border and crypto activities. He is passionate about being part of the fintech revolution.
Gareth previously worked at BVNK and several other fintechs in SouthEast Asia.