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Payments
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Sector

Payments.

Payment institutions, acquirers, processors and open banking providers. Licensing, banking and compliance for firms that execute, acquire and initiate payments.

Speak to an expertLicence guide

Firms we have licensed.

Selected engagements from more than 250 licences obtained since 2013, for payment, e-money and cryptoasset firms.

Since 2013Advising global payment firms
60+Countries licensed in
250+Licences obtained globally
Clients
ClearBankVolkswagenMacmillan Cancer SupportRoyal College of MusicStaysureOval MoneyEMQCentus
nexpayPayment Institution

Obtained Nexpay’s FCA Authorised Payment Institution licence.

Payment Institution

Obtained Orbital’s FCA Authorised Payment Institution licence.

ovalPayment Institution

Obtained Oval’s FCA Authorised Payment Institution licence with open banking permissions.

How we act for the sector.

We obtain the authorisations, open the settlement accounts and build the compliance frameworks for payment institutions, acquirers, processors and open banking providers, in the United States, the United Kingdom, Europe and Asia.

Authorisation

Payment institution licences and registrations in every market we cover, including open banking permissions.

Settlement banking

Settlement and operating accounts in the currencies you pay out.

Acquiring and scheme access

Scheme membership, BIN sponsorship and processor relationships.

Compliance

Reporting, safeguarding and financial crime after authorisation.

How we work.

  • Senior-ledThe same senior team handles your application from the first call to approval, including every question the regulator raises.
  • Same dayA reply within three business hours and a written proposal the same day: the licence, the requirements, the cost and the timing.
  • ConfidentialYour plans, your application and any listing stay private. Clients are named only with their agreement.
  • Live workspaceDocuments, regulator questions, messages and progress in a shared client workspace, visible to your team at every stage.

Why firms choose BCC.

  • OperatorsWe have run regulated payment businesses, held regulator-approved roles and licensed payment firms in more than 60 countries since 2013.
  • One teamOne in-house team runs the whole programme, from the application to the day you go live.
  • ArrangedBank and safeguarding accounts, card issuing and payment processing, arranged directly through our relationships with banks, card schemes, issuers and processors.

Related.

Licensing

Licence guide

The regulator, the capital, the fees and the timeline.

Service

Banking and Payment Processing

Accounts and processing for the sector.

Service

Financial Crime

Frameworks built for the sector’s flows.

Further reading.

Guide

UK Payment Institution Licence: How to Get FCA Authorisation in 2026

How to get an FCA authorised payment institution licence in 2026: the eight services, €20,000 to €125,000 capital, £2,820 or £5,640 fees, CASS 15 and timelines.

Guide

EU Payment Institution Licence: How to Get Authorised in Europe (2026)

How to obtain an EU payment institution licence in 2026: the eight PSD2 services, capital, safeguarding, passporting, regulator fees, timelines and PSD3.

Guide

How to Obtain a US Money Transmitter Licence: 2026 State-by-State Guide

How to obtain US money transmitter licences in 2026: state regulators, MTMA net worth and bonds, verified state fees, NMLS and MMLA filing, costs and timelines.

Speak to an expert.

The licence, the banking and the timing for your business.

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