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E-money & payments
EMI and payments authorisation
Authorisation for e-money institutions and payment firms — in the UK, across Europe under PSD2 and the E-Money Directive, and in payment-licensing regimes worldwide.
E-money and payments is where much of our hands-on experience sits. We take firms from an idea for a product to an authorised institution — defining the permissions, building the application, and standing up the safeguarding and financial-crime controls a regulator will scrutinise most closely.
What we cover
- E-money institution (EMI) and payment institution (PI) permissions
- Safeguarding arrangements and reconciliation
- Financial crime, AML and sanctions frameworks
- Prudential capital and own-funds calculations
- Wind-down planning and operational resilience
The application suite
- Regulatory business plan and programme of operations
- Compliance and risk management frameworks
- Financial model and capital forecast
- Safeguarding and financial-crime policies
- The authorisation application, start to finish
Where we authorise
United Kingdom
Authorised and small EMI and payment institution permissions.
European Union & EEA
Authorise in one state and passport across the EEA. Lithuania and Ireland are common bases.
Rest of world
Payment and stored-value licences in major hubs.
Why firms use Pitchsd
We have led authorisations, run compliance functions and operated regulated firms — and dealt directly with regulators and the Financial Ombudsman. Our applications are written by people who have had to live with the frameworks they produce.
We also build the technology the business runs on, so the platform and the permission arrive together rather than being someone else's problem. And we can put senior people into the business — a fractional MLRO, non-executive directors, a CFO — through our network.