Neobank y Fintech Consultants.
Décadas de experiencia
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Fintech Licensing & Applications
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Card Scheme Access
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AML Audits & Supervision Support
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Safeguarding Accounts & Support
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Agent & Programme Models
Fintech Advisory
Licences
Card Schemes
Auditorías AML
Protección
Super Fast track Emoney & Payment licences
For those looking to own an Emoney or Payment Service licence, buying or investing in an existing authorised firm can be the quickest path to market.
Ultra Fast track Emoney & Payment licences
Launch in the quickest possible time by becoming an agent of one of our approved partners and operating under their licence, while we support you through your own licensing journey.
FastTrack Emoney & Payment licences
We provide all the support you need, from start to finish, for a direct licence application, guiding you through to authorisation so you obtain your own licence as efficiently as possible.
Card Scheme Access
We support fintech firms in accessing the major card schemes, whether through direct principal membership for issuing and acquiring, or via BIN sponsorship arrangements. We have a strong track record of helping firms successfully launch and scale card programmes.
Auditoría AML
Banks and regulators increasingly expect firms to demonstrate effective AML compliance through an independent audit or a gap analysis of their existing framework. If you have received such a request, or would like this for peace of mind, please get in touch.
Cuentas de salvaguardia
¿Esencial para su negocio y, sin embargo, los precios se han disparado muy por encima de la mayoría de los presupuestos? Disponemos de la red necesaria para conseguirle una cuenta de protección que no le salga cara.
Generar nuevas ideas Resolver grandes problemas
Evaluamos rápidamente los puntos fuertes y débiles de su empresa y determinamos la solución más eficaz para alcanzar sus objetivos.
Licencias de la FCA aprobadas
Licencias de la FCA denegadas
Promedio de años de experiencia de nuestros consultores
Tazas de café
AML Supervision
AML supervision in the UK is evolving, with regulators moving towards more centralised and outcomes-focused oversight. If you are unsure how these changes affect your firm’s AML obligations, just get in touch with the experts. READ MORE
Expert Safeguarding Compliance Support
Safeguarding has long been a regulatory obligation, but the FCA is introducing more granular reporting, audit and oversight requirements from 2026. If you are unsure whether your current arrangements will meet these expectations, speak to the experts. READ MORE
Entrega FX
Authoripay helps deliverable FX firms get their regulatory position right.
This includes MiFID II scope assessment, authorisation support where required, and ensuring client funds are safeguarded correctly.
Our advice is practical, proportionate and regulator-focused. READ MORE
Supporting you at every stage
Whether you are starting out, currently operating, or exiting the industry, AuthoriPay supports firms at every stage of their lifecycle.
For new firms, we help you become appointed as an agent or obtain your own regulatory permissions.
For established firms, we provide ongoing AML and safeguarding audits, card-scheme support, and assistance with banking and liquidity partners.
For firms looking to exit, we support the sale of regulated businesses or the management of an orderly wind-down. Whatever your position, AuthoriPay provides the full suite of regulatory and compliance services to guide you forward.
What is the difference between an EMI (Electronic Money Institution) licence and a PI (Payment Institution) licence?
An EMI (Electronic Money Institution) is permitted to issue electronic money and provide payment services, such as prepaid cards and digital wallets. A PI (Payment Institution) can provide payment services only, such as money remittance, card acquiring or payment initiation, but cannot issue electronic money. Because EMIs issue e-money and hold customer funds on an ongoing basis, they are typically subject to higher capital, safeguarding and operational requirements. Both models are used by firms offering payment-related services, but they are suited to different business models and risk profiles.
¿Cómo salvaguarda una empresa de tecnología financiera los fondos de sus clientes según los requisitos de la FCA?
La salvaguarda suele implicar la colocación de los fondos de los clientes en una cuenta segregada en un banco autorizado del Reino Unido / Depositario Autorizado o el uso de una póliza de seguro. La empresa debe garantizar la conciliación diaria de los fondos salvaguardados y protegerlos de los riesgos de mezcla o insolvencia. Estas medidas, obligatorias en virtud del Reglamento sobre dinero electrónico de 2011 y el Reglamento sobre servicios de pago de 2017, garantizan que los fondos de los clientes permanezcan seguros y recuperables en todo momento.
¿Cuáles son los pasos típicos para adherirse a un sistema de tarjetas como Visa o Mastercard?
La adhesión a una red de tarjetas implica convertirse en miembro directo de la red o asociarse con un miembro principal (por ejemplo, un banco). La adhesión directa requiere demostrar estabilidad financiera, preparación operativa, aprobación reglamentaria y cumplimiento de las normas de riesgo, cumplimiento y tecnología específicas de la red. Las empresas de tecnología financiera suelen empezar trabajando con un socio emisor/adquirente para acelerar su entrada en el mercado y, al mismo tiempo, crear capacidad para una futura afiliación directa.
When is a firm required to undergo an AML and Safeguarding audit in the UK?
There is no fixed statutory timeframe for AML audits in the UK, but industry best practice is to carry out an independent AML review on an annual basis. In practice, regulators, banks and other key partners would expect this frequency and are likely to question firms that do not follow it. By contrast, the FCA is now mandating annual safeguarding audits for most payment and e-money firms under its enhanced safeguarding regime, making regular safeguarding audits a formal regulatory requirement rather than best practice.
Can a UK fintech passport its EMI licence into the EU post-Brexit?
No. After Brexit UK firms lost passporting rights into the EU. To operate in the EU, firms should either establish a licensed entity within an EU member state or partner with an already regulated EU firm. Many UK fintechs setup subsidiaries in Lithuania, although several years on it’s no longer the optimal location in Europe for an Emoney Licence.
¿Cuáles son las razones más comunes por las que la FCA rechaza las solicitudes de licencias de dinero electrónico o de pago?
The FCA set a very high bar. Applications are often rejected due to unclear business models, inadequate safeguarding arrangements, insufficient AML controls, or lack of experienced management. Missing documentation, weak financial forecasts, or lack of Consumer Duty knowledge can also contribute. The FCA expects thorough, well-documented applications with realistic plans, demonstrating how the firm will meet ongoing regulatory obligations and protect consumers.
How can you improve an AML or Safeguarding audit score?
We take a pragmatic approach to our audits. Our process typically starts with a gap analysis to identify any weaknesses in your framework, followed by a clear opportunity to implement any required changes before the final audit is completed. This approach allows issues to be addressed proactively, supports genuine improvement, and helps firms achieve a stronger audit outcome.
Póngase en contacto
AuthoriPay Ltd, Milton Hall, Ely Road, Cambridge, CB24 6WZ.