What is the official website of the payment service?
https://www.novuna.co.uk/
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Where can I find the customer support contacts?
Customer support contacts are available on the official website's contact page and in the help & support section.
What is the hotline phone number?
0344 375 5500
Is there a toll-free support number?
There is no specific indication of a toll-free number; the main hotline 0344 375 5500 is commonly used and may incur local call charges.
What is the email address for technical support?
No specific technical support email publicly listed; general enquiries likely routed via the contact forms on the official website.
Are there separate emails for different types of inquiries?
Specialist email addresses are typically available for retail partners and other inquiries via the website but no confirmed public listing of separate emails.
Where can I find the online chat support?
Online chat support availability is not explicitly mentioned on the main site; users generally contact through phone or web forms.
Does the chat support work 24/7?
Not confirmed; typical financial service chat supports operate during business hours rather than 24/7.
Is there support through messengers (Telegram, WhatsApp)?
No public information about support via Telegram or WhatsApp.
What are the support working hours?
Customer support hours generally align with standard UK business hours, Monday to Friday.
Does support work on weekends and holidays?
Support is generally closed on weekends and public holidays.
Are there regional offices for in-person visits?
Yes, there are physical offices for business clients and financial services.
Where are the physical offices located?
Example location includes 5 Hollinswood Court, Stafford Park 1, Telford, Shropshire, TF3 3DE.
Can I schedule a personal meeting?
Personal meetings are available likely by appointment, primarily for business clients.
Are there representatives in different countries?
Operations primarily focused in the UK, with parent companies and partners internationally.
In which languages is support available?
English is primarily supported; limited multilingual support typical for UK financial firms.
How quickly does support respond to requests?
Average response times for phone and email usually range from same-day to 2 business days.
Is there a priority system for VIP clients?
VIP or priority handling services may exist but no detailed public information available.
Can I request a callback?
Callback services are typically offered through customer service portals.
When was the payment service founded?
Hitachi Capital UK was founded in 1969 as a key part of Hitachi Capital Corporation's UK expansion.
Who is the founder and owner of the service?
Originally Hitachi Ltd is the parent company; now owned by Mitsubishi HC Capital following rebranding.
In which country is the company registered?
United Kingdom.
What is the development history of the payment service?
Evolved from traditional asset finance into a broad financial services provider, rebranded in 2022 to Novuna under Mitsubishi HC Capital UK.
Have there been major updates or rebranding?
Yes, rebranded from Hitachi Capital UK PLC to Mitsubishi HC Capital UK PLC trading as Novuna in 2022.
Who sits on the company's board of directors?
Board information not publicly detailed; typically includes senior executives from Mitsubishi HC Capital and appointed directors.
Are there investors or partners in the service?
Part of Mitsubishi UFJ Financial Group, with strategic partnerships in asset and invoice finance sectors.
Does the company participate in stock trading?
It is a private subsidiary of Mitsubishi HC Capital and not separately publicly traded.
What is the company's market capitalization?
Not separately listed; valued within Mitsubishi HC Capital group.
Are there subsidiary companies or branches?
Subsidiaries and branches include Novuna Business Finance and other regional offices in the UK.
What licenses does the payment service have?
Authorised and regulated by the Financial Conduct Authority (FCA) in the UK.
In which jurisdictions does the service operate officially?
Primarily United Kingdom.
Are there licenses for cryptocurrency operations?
No public information on cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, fully compliant with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations as per FCA standards.
Are there security certificates (PCI DSS, etc.)?
As a financial service, it maintains PCI DSS compliance for payment security and information security standards.
Has the service undergone security audits?
Regular security audits are standard practice for FCA-regulated firms, no specific reports publicly available.
Is there insurance for client funds?
Client funds protected as required under FCA regulations, protecting consumer and business customer deposits and transactions.
Which international standards does it comply with?
FCA regulations, PCI DSS, GDPR for data protection, and UK financial standards.
Have there been any regulatory fines or violations?
No publicly known significant regulatory fines or violations.
Where can I find real reviews about the service?
Reviews can be found on financial services review sites, Trustpilot, and business finance forums.
What are the main user complaints?
Occasionally, users mention delays in processing or communication issues during busy periods.
What do users most often praise the service for?
Fast invoice finance payout, flexible funding options, and helpful client managers.
Are there issues with fund withdrawals?
No widespread issues reported; funds typically released as contracted.
Is the interface convenient according to users?
The client portal and online account management are rated as user-friendly.
Are clients satisfied with transaction speed?
Many users report quick access to funds, often within 24 hours for invoice finance.
Do users recommend this service?
Many business users recommend Hitachi Capital (Novuna) for invoice and asset finance solutions.
How do experts assess the service's reliability?
Experts view it as a reliable and trusted UK financial services provider with strong corporate governance.
Are there industry awards and recognitions?
Award-winning in invoice finance and asset finance sectors, though specific award names are not detailed.
Does the service participate in payment system rankings?
Frequently recognized in UK business finance provider rankings.
Are there recommendations from financial regulators?
Complies fully with FCA guidance and is recommended as a compliant and well-regulated business funder.
What reputation does the service have among partners?
Well-regarded for professionalism and custom finance solutions among SMEs and corporate partners.
How do they evaluate solution innovation?
Praised for innovative cash flow funding products like "Inspired Cashflow" and flexible invoice finance.
Are there quality service certificates?
Holds certifications appropriate for FCA-regulated consumer and business credit services.
Does the company participate in industry conferences?
Participates in finance and leasing industry conferences and trade shows in the UK.
How does the service position itself in the market?
Positioned as a leading flexible asset and invoice finance provider focused on SME and business growth.
Which fiat currencies does the service support?
Primarily GBP (British Pound Sterling).
Are cryptocurrencies supported? Which ones specifically?
No public support for cryptocurrency transactions.
Can currencies be converted within the service?
Currency conversion services are not part of their core offering.
Are there currency restrictions in different countries?
Operates mainly in the UK with GBP currency use.
What types of transfers does the service support?
Invoice finance payouts, asset finance disbursements, bank account transfers, and payment collections.
Can transfers be made between service users?
No public peer-to-peer transfer functionality.
Are transfers to bank cards supported?
Standard bank account transfers are supported.
Can money be transferred to bank accounts?
Yes, bank transfers are standard.
Is bill payment available?
Bill payment services are not a core feature.
Are recurring payments supported?
Recurring payments such as monthly loan repayments via Direct Debit are supported.
Can automatic transfers be set up?
Automated payment setups via Direct Debit are supported.
Is payment scheduling available?
Payment scheduling may be available through client account portals.
Are group payments supported?
No public information on group payment functionality.
Can payment links be created?
Payment link creation is not a standard feature.
What are the minimum transaction amounts in the service?
Minimum invoice finance typically requires a turnover of £50,000 or more for eligibility.
What are the maximum amounts that can be transferred?
High-value invoice financing available, specifics depend on client agreement.
Are there daily limits on operations?
Limits follow contractual agreements.
What monthly and annual limits are in effect?
Determined by credit assessment and contract terms.
Can limits be increased? How?
Limits can be increased through review and approval by account managers.
Do limits differ for verified users?
Verified business customers have higher limits aligned with creditworthiness.
Are there restrictions for new accounts?
New accounts undergo eligibility and credit checks before funding.
Do special limits apply in different countries?
Operations primarily UK-focused; limits set by local regulations.
Can operations be temporarily blocked?
Yes, for compliance or suspicious activity.
Are there limits on the number of daily operations?
No published limits on transaction count.
What are the minimum amounts for account funding?
Minimum funding tied to loan or finance product specifics.
What methods of funding are supported?
Funding primarily through invoice finance and asset finance loans.
Are there fees for funding?
Fees are incorporated into finance contracts.
What are the minimum funding amounts?
Minimum funding thresholds vary by product and client profile.
How quickly are funds credited when funding?
Typically within 24 hours for invoice finance products.
How can money be withdrawn from the system?
Funds are paid out via bank transfer.
Are there fees for fund withdrawal?
Withdrawal is part of contract terms, no separate withdrawal fees noted.
How long does withdrawal take?
Typically within 24 hours of approval.
What withdrawal limits are set?
Subject to contract and compliance guidelines.
How quickly are funds credited when funding with a card?
Card funding is not the primary method used.
How long does a bank transfer take?
Bank transfers typically take 1 to 2 business days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
No peer-to-peer transfers available.
Are there delays when funding on weekends?
Weekend processing may be delayed to next business day.
Do holidays affect funding speed?
Public holidays may delay processing times.
Can crediting be accelerated for a fee?
No public express funding fee options.
What determines the speed of funding processing?
Completeness of documentation and credit approval drives speed.
Are there notifications about funding status?
Clients receive status updates via online portals or account managers.
What to do if funding takes too long?
Contact account manager or customer support for assistance.
How quickly are withdrawal requests processed?
Withdrawal requests are typically processed within one business day.
How long does card withdrawal take?
Card withdrawal is not commonly used.
How quickly do bank transfers arrive?
Usually within 1-2 business days.
Are there withdrawal delays on weekends?
Weekend withdrawals are processed next business day.
Do holidays affect withdrawal speed?
Yes, holidays can cause delays.
Can withdrawal be accelerated for an additional fee?
No advertised express withdrawal options.
What determines withdrawal processing time?
Bank operating hours, compliance checks, and documentation.
Are there notifications about withdrawal status?
Clients are updated via account notifications or emails.
Can a withdrawal request be canceled?
Cancellation possible before processing begins, subject to terms.
How to register with the payment service?
Registration involves completing online application forms providing business details.
What data is needed to create an account?
Business name, registration number, contact details, and financial documents.
Can registration be done without email?
Email is typically required for registration and communication.
Is phone confirmation required during registration?
Phone verification may be required.
Are there age restrictions for registration?
Users must be legal adults (18+).
Can a corporate account be created?
Yes, corporate/business accounts are standard.
Is it required to provide real data?
Real identity and business information is mandatory for compliance.
Are there country restrictions for registration?
Registration restricted to UK businesses primarily.
How long does account activation take?
Activation time varies, typically within a few business days.
What verification levels exist?
Basic business verification and enhanced verification for credit assessments.
What documents are required for basic verification?
Identification, proof of address, and business incorporation documents.
Are documents needed for full verification?
Yes, including financial statements and credit references.
Are digital copies of documents accepted?
Digital document submission is standard.
How long does the verification procedure take?
Usually 1-3 business days depending on complexity.
Can the service be used without verification?
Limited use possible but funding requires full verification.
What restrictions apply to unverified users?
Unverified users cannot access funding products.
Is address confirmation required?
Yes, address verification is standard.
Is a selfie with documents required?
No public requirement for selfie verification.
How often do documents need to be updated?
Typically every 1-3 years or upon request.
What encryption technologies does the service use?
Uses industry-standard encryption like TLS for data security.
Is two-factor authentication supported?
2FA is supported for enhanced account security.
Are there SMS confirmations for operations?
SMS verification is used for certain transactions.
Is biometric authentication supported?
Biometric options may be supported on mobile platforms.
Is blockchain technology used?
No public blockchain implementation.
Is there a multi-level security system?
Yes, layered security is employed including firewalls and intrusion detection.
How is user personal data protected?
Complies with GDPR and industry best practices for data privacy.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Yes, standard DDoS protection measures are in place.
Are regular security audits conducted?
Regular security audits are performed as part of compliance.
What anti-phishing protection measures are provided?
Anti-phishing training and email security protocols are deployed.
Is there a suspicious activity detection system?
Fraud detection and monitoring systems are implemented.
How does the service combat money laundering?
Robust AML controls and transaction monitoring are applied.
Is there blocking of suspicious accounts?
Yes, suspicious accounts are blocked pending investigation.
What to do when fraud is detected?
Report immediately to support and cooperate with investigations.
How to report suspicious activity?
Contact customer support or use dedicated reporting channels.
Is there compensation for damage from fraudsters?
Liability policies may cover certain fraud losses.
What user rights exist for disputed transactions?
Users can dispute transactions and request investigations per FCA rules.
How to dispute account blocking?
Contact support and provide requested documentation.
Is there insurance against cyber attacks?
Cyber insurance is maintained as part of risk management.
What fees does the service charge for transfers?
Fees depend on the finance product, generally percentage-based.
Are there fees for account funding?
Funding fees are included in loan agreements.
Are fees charged for fund withdrawal?
No direct withdrawal fees, costs embedded in service fees.
Are there fees for currency conversion?
No currency conversion services offered.
Are there fees for account inactivity?
Inactivity fees are uncommon in business finance services.
Are there account maintenance fees?
Service fees and contract charges may apply.
Are fees charged for operation cancellation?
Cancellation fees may apply depending on the agreement.
Are there fees for expedited operations?
No public express service fees posted.
Are there hidden fees?
The company discloses fees clearly as part of FCA compliance.
How are fees calculated for large amounts?
Fees are often percentage-based on invoice or funding amount.
Are there different tariff plans in the service?
Different finance product tariffs exist depending on service.
What advantages does VIP status provide?
No public VIP status; business clients receive account management services.
How to get preferential conditions?
Negotiated through business relationship and client volume.
Are there free operations per month?
Not typical for finance services; fees apply per transaction.
Are there discounts for active users?
Volume discounts may be available for large clients.
Are there corporate tariffs?
Yes, corporate finance products are priced accordingly.
Can individual conditions be obtained?
Customized terms are possible for qualifying clients.
Do promotional codes work for fee reduction?
Promotional codes are not commonly used.
Are there cashback programs?
Cashback is not offered.
Are there discounts for transaction volumes?
Volume-based pricing is available.
Is there an official mobile application?
Yes, a mobile app is available to manage accounts.
On which platforms is the application available?
Available on iOS and Android.
What functions are available in the mobile application?
Account access, payment scheduling, balance checking, and document uploads.
Does functionality differ from the web version?
Mobile app focuses on core functions; full functionality via web.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported on mobile.
Can the application work offline?
Limited functionality offline; requires internet for transactions.
Are there push notifications about operations?
Push notifications for payments and account updates are supported.
Is dark theme supported?
Dark mode availability depends on OS settings.
How often is the mobile application updated?
Updates are generally issued quarterly or as needed.
Are there beta versions of the application?
Beta versions may be released to select users.
Is the web interface of the service convenient?
The web platform is designed for ease of use and professionalism.
Is responsive design supported?
Yes, the web interface is mobile-responsive.
In which languages is the interface available?
English only.
Is there a night mode for the website?
No specific night mode, relies on OS dark mode.
Are hotkeys supported?
No public hotkey support.
Can data be exported?
Clients can export transaction history and statements.
Is there an API for developers?
An API may be available for business clients; no public API documentation.
Is integration with other services supported?
Integration with accounting software like Sage is supported.
How often is the web interface updated?
Updates occur regularly but not on a fixed public schedule.
Are there virtual cards in the service?
No virtual card issuance services publicly available.
Can disposable cards be created?
No disposable card features.
Is multi-currency account functionality supported?
No multi-currency account service.
Are there investment products?
Investment products are not offered.
Can interest be earned on balance?
No interest paid on account balances.
Are there credit products?
Yes, various business credit and finance products.
Is P2P trading supported?
No peer-to-peer trading services.
Can cryptocurrencies be bought/sold?
No crypto exchange services.
Is there acquiring for business?
Merchant acquiring is not a stated service.
Are mass payouts supported?
Mass payments for business clients may be available.
Is there a loyalty program in the service?
No loyalty programs.
Is there cashback for operations?
No cashback.
Are there referral programs?
Referral programs are not widely publicized.
What privileges do VIP clients have?
VIP clients may receive dedicated account management.
Are there seasonal promotions and offers?
Promotions are occasional and product-specific.
Can premium status be obtained?
Premium account services based on client tier.
Are there partner discounts?
Partner discounts possibly available in business deals.
Are there corporate loyalty programs?
Business loyalty programs are not standard.
Does the service allow operations with online casinos?
Operations with gambling entities would be subject to strict compliance and legal considerations.
Are there restrictions on gambling transactions?
UK FCA regulated firms typically restrict or monitor gambling-related transactions.
Can accounts be blocked for casino play?
Accounts may be blocked if suspicious gambling-related activity is detected.
How does the service view gambling?
As a regulated entity, adherence to AML and responsible gaming laws.
Are there special conditions for gambling?
Gambling transactions are controlled under regulatory requirements.
Are casino transactions tracked?
Monitoring of transactions is standard for compliance.
Can operations with gambling sites be hidden?
Transactions must comply with transparency and AML laws; no hiding.
Are there notifications about gambling expenses?
Users would receive standard transaction notifications.
Are there special fees for gambling operations?
No specific gambling fees disclosed.
Can limits be set on gambling?
Limits can be set via customer agreements or regulators.
Is there a self-exclusion function?
Self-exclusion is managed more by gambling operators than finance providers.
Can access to gambling sites be restricted?
Restrictions on payments can be applied per compliance policies.
Is gambling expense control supported?
Not directly supported by the service.
Are there notifications about limit exceedance?
Users receive alerts for unusual activity.
Can operations with casinos be blocked?
Yes, as per AML/CFT policies.
Is a "cooling-off period" supported?
Cooling-off applies per consumer finance laws.
Can help be obtained for gambling addiction?
Gambling addiction support is outside the core service scope.
Is there partnership with player assistance organizations?
Partnerships not publicly disclosed.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not publicly listed.
Are there exclusive partnerships with specific casinos?
No exclusive casino partnerships.
Are there geographic restrictions for casino usage?
UK gambling laws and payment restrictions apply.