Specialist support for payment and e-money firms
Since 2013, Buckingham Capital Consulting has advised payment and e-money firms on UK and European authorisation, compliance and regulator engagement. We work with founders, boards and senior management teams to define the right regulatory route, prepare robust applications and support firms through the expectations of operating in a regulated market.
Why payment and e-money firms work with us
Specialist focus
We advise payment and e-money firms on UK and European authorisation, compliance and regulator engagement.
Experience since 2013
We have supported applicant and regulated firms across EMI, Payment Institution and fintech authorisation projects for over a decade.
Who we advise
Payment Institutions
We advise firms operating as, or seeking to become, Authorised Payment Institutions and Small Payment Institutions. Our work covers UK FCA authorisation, European authorisation, regulatory permissions, governance, financial crime controls, safeguarding where relevant, regulatory reporting and ongoing compliance.
Electronic Money Institutions
We advise firms operating as, or seeking to become, Electronic Money Institutions and Small Electronic Money Institutions. Our work covers EMI authorisation and registration, safeguarding, client funds, governance, financial crime controls, regulatory reporting, post-authorisation obligations and regulator engagement.
Speak with an expert
Speak to our team. ​
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Complete the form below and a senior member of our team will usually come back to you within 2 to 3 business hours.
You can also email us directly at info@buckinghamcapitalconsulting.co.uk
What we do
Buckingham Capital Consulting advises payment and e-money firms on UK and European authorisation, compliance and regulator engagement. Our work is focused on regulated payments and e-money markets, where licensing strategy, regulatory evidence and execution quality determine the strength of an application or compliance outcome.
We advise payment and e-money firms seeking FCA authorisation, including EMI, Payment Institution, Small EMI and Small Payment Institution applications. We help define the right regulatory route, prepare the application pack, strengthen the supporting evidence and manage FCA questions through to decision.
European Authorisation
We support payment and e-money firms assessing European authorisation routes, including jurisdiction strategy, application preparation and regulator engagement. We help firms understand the licensing route, operating model and evidence required before committing to a European application.
Compliance Support
We help authorised payment and e-money firms maintain proportionate compliance arrangements as they grow, including policies, governance, compliance monitoring, senior management support and responses to regulatory queries or supervisory reviews.
Safeguarding (PS25)
We advise payment and e-money firms on safeguarding frameworks, reconciliations, audit preparation and the practical controls required to protect relevant funds and evidence compliance with regulatory expectations.
Financial Crime
​We support payment and e-money firms with AML, KYC, sanctions, risk assessments, transaction monitoring controls and MLRO support, with a focus on financial crime frameworks that match the firm’s payment or e-money model.
Regulatory Reporting
We assist payment and e-money firms with FCA and European reporting obligations, including regulatory returns, capital, safeguarding and post-authorisation reporting requirements.
Over a decade advising payment and e-money firms
Since 2013, Buckingham Capital Consulting has advised payment and e-money firms on UK and European authorisation, compliance and regulator engagement. Our work is focused on regulated payments and e-money markets, helping firms define the right licensing route, prepare credible regulatory evidence, respond to regulator scrutiny and operate with proportionate compliance arrangements as they grow.
Successful UK and European Authorisation Projects
A selection of our completed authorisation work across payment, e-money and selected FCA-regulated firms
Advised Nexpay on its FCA Authorised Payment Institution application.
Payment Institution
Advised Own Solutions on its Authorised Electronic Money Institution licence in Ireland.
EMI
Payment Institution
Supported Hami with its UK payment institution licence for money remittance services.
Advised Global Send on its FCA Authorised Payment Institution application.
Payment Institution
Supported Onpoint Money Transfer with its UK payment institution licence for money transfer services.
Payment Institution
Helped the Royal College of Music obtain FCA consumer credit licence to provide financial services.
Consumer Credit
Supported Dzing Finance with its FCA Authorised Electronic Money Institution application.
Helped McMillan Cancer - one of Britain's largest charities obtain an FCA consumer credit licence
Consumer Credit