No personal experience with them; however, I share your opinion completely."Kapaga is a trading name and a registered trademark of Finadvant Ltd."
Those high SWIFT and monthly fees makes company seem like an Eastern European laundromat based in UK.
Then I looked at Directors of company in UK Companies House . All makes sense to me now..no offense to anyone.
FINADVANT LIMITED people - Find and update company information - GOV.UK
FINADVANT LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual return, officers, charges, business activityfind-and-update.company-information.service.gov.uk
Btw Kapaga sounds like name of a Kenyan Steeple chaser.