Service Category
Licensing
Jurisdictions
EU/UK
Typical Timeline
3-6 Month
Support Format
End-to-End
About the service
EMI and PI licenses allow businesses to issue electronic money, provide payment services, and facilitate money transfers under a regulated framework. Authorization is typically required when operating in the EU/EEA, the UK, and many other jurisdictions with payments regulation.
We guide clients through the full licensing journey — from assessing regulatory pathways and structuring the business model, to preparing the application package and supporting regulatory dialogue through approval.
Each jurisdiction has its own requirements, thresholds, and supervisory approach. We help you navigate these differences with a clear strategy tailored to your business model and growth plans.
What is included
- Regulatory assessment and licensing strategy
- Preparation and review of application documents and policies
- Business plan, financial model and capital planning
- Internal governance, compliance and control framework design
- Ongoing regulatory communications and authority engagement
- Pre-launch and post-licensing compliance support
Who this service is for
- Fintech startups and scaleups – launching e-money or payment services.
- Payment institutions – expanding into new jurisdictions or adding regulated activities.
- Platforms and marketplaces – embedding payments or wallet functionality.
- Digital banks and neobanks – seeking standalone or complementary authorization.
Our approcah/stages of work
Assessment & Strategy
We assess your business model, jurisdictions and regulatory options.
Planning & Documentation
We prepare the required policies, governance framework and application package.
Submission & Engagement
We submit the application and manage regulator questions and follow-ups.
Approval & Authorization
We support the authority review until licence grant.
Launch & Compliance
We assist with pre-launch readiness and ongoing compliance.
Key legal considerations
- Licensing requirements, thresholds and permitted activities differ by jurisdiction.
- Strong governance, fit & proper management, and robust compliance controls are essential.
- Safeguarding of client funds, liquidity and operational resilience requirements must be met.
- Data protection, AML/CTF and sanctions compliance are core regulatory expectations.
- Changes to business model, scope or control require regulator notification or approval.
- Early regulator engagement and high-quality documentation reduce timelines and risks.
