We work with regulated payment institutions and small payment institutions, electronic money institutions, and firms applying for sterling-stablecoin or MiCA electronic money token authorisation. We also advise banking-as-a-service and embedded-finance providers, acquirers, gateways, processors and orchestration platforms, and specialists in open banking and account-to-account payments.
Most come to us at a point of change: a licence application, a new market, a pricing model that has stopped working, or an approach from a buyer.
Our work covers licence applications and the authorisation strategy behind them; scheme membership and connectivity, whether direct, principal or sponsored; the selection, negotiation and migration of sponsor banking; the build-or-buy decision across the capability set; pricing and unit economics; and commercial due diligence on acquisitions and partnership terms.
In practice these questions are rarely separable. How a product is priced depends on how it connects to the schemes, which depends on which permissions the firm holds, which depends on what it intends to build rather than buy.
Work is arranged either as a monthly retainer or as a fixed-fee project with a defined scope. It suits firms that need senior commercial judgement on hand without taking on the cost and commitment of a permanent hire.
The first conversation takes half an hour, costs nothing and commits you to nothing. If there is nothing here for you, we will say so.
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