FinTech & Payments Licensing

Authorisation and ongoing regulatory support for payment institutions, e-money issuers and other financial-technology businesses. We map your model to the right licence, prepare the application, and build the governance the regulator expects to see. We also handle the day-to-day questions that come up once you are live.

What this covers

Payment institution and e-money institution licensing under PSD2 and the EMD
Small payment institution and registration routes
Business model and regulatory perimeter analysis
Authorisation application drafting and regulator liaison (KNF and equivalents)
Safeguarding arrangements for client funds
Strong customer authentication and open-banking API compliance
Agent and distributor network structuring
Outsourcing arrangements and third-party risk documentation
Governance, fit-and-proper and capital-requirement support
Passporting of payment services across the EU
Complaints handling and consumer-protection duties
AML framework integration for payment and e-money businesses
Interaction with the crypto and digital-asset regimes
Ongoing regulatory reporting and change-notification support

FinTech & Payments Licensing

Let's talk about your project.