About Smart Voucher


Smart Voucher Ltd. was established in April 2001 to develop the Smart Voucher Personal Payment System that was conceived by Scott Thomson, the man behind the groundbreaking launch of the Switch payment card in the UK. The Smart Voucher system utilises the concept of a randomly generated, one time use unique voucher number. Smart Voucher Ltd. now has 6 granted patents: 3 in the UK and 1 each in Australia, Hong Kong and South Africa. This concept is now being actively marketed, both as Ukash, which allows for the creation and purchase of vouchers in-store and their redemption on the Internet, and in a number of ‘closed loop’ and ‘white label’ solutions in Europe and the USA.

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Regulation and Compliance


FSA logo Smart Voucher is regulated by the UK Financial Services Authority (FSA) as an ELectronic Money Institution (ELMI). Smart Voucher is one of only four electronic payment providers to have successfully passed the FSA’s stringent fiscal, technical, security and operational requirements. The ELMI status has been ‘passported’ to a further 27 European countries.

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The Smart Voucher Management Team


Picture of Mark Chirnside

Mark Chirnside, CEO


Mark has over 20 years' experience in the payments industry. Prior to joining Smart Voucher he worked for Wanadoo, as Head of Paid for Services. Previously, he was COO of Paybox UK, an investment of Deutsche Bank, where he was responsible for the operational and technical aspects of launching Paybox operations in Europe.


Picture of Andrea McGeachin

Andrea McGeachin, Commercial Director


Andrea has extensive experience at a senior level of sales and relationship management across different industries with specific knowledge of the retail and e-commerce sector. Prior to joining Smart Voucher Andrea was the Sales Director at Pixology plc where her customers included Amazon, Asda, Costco and Tesco. Andrea has also worked at Scansoft Inc., Exxon Mobil, Xerox, J Sainsbury and Cable & Wireless.


Picture of Roger Hand

Roger Hand, Finance Director


Roger qualified as a chartered accountant with Coopers & Lybrand in South Africa before moving to the UK in 1995. Since then, he has held a number of senior financial and project roles within the telecommunications and banking sectors.