Apply for an Emoney or Payment Licence
Applying for an Emoney or Payment licence is a complex, resource-intensive process that requires clear documentation, robust control frameworks and ongoing engagement with the regulator.
Many applications fail or are delayed because firms underestimate what is required.
We provide end-to-end support for firms applying directly for their own licence, guiding them from initial assessment through to authorisation.
Full Application Support
We manage and support the full licence application process, including:
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Assessment of your business model, regulatory classification and permissions
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Advice on the most appropriate licence type and scope
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Design of governance, safeguarding and AML frameworks
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Preparation of all required policies, procedures and application documentation
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Support with financial forecasts, capital and operational planning
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Coordination of application submission and responses to regulatory queries
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Ongoing liaison with the regulator throughout the assessment process
- Assistance with recruitment of key individuals
Our approach is practical and efficient, drawing on experience of multiple successful licence applications to help avoid unnecessary delays.
Agent-to-Authorisation Programme
Where speed to market is critical, we also offer an Agent-to-Authorisation programme.
Under this model, we support firms in becoming an agent of an authorised partner so they can begin operating under an existing licence. At the same time, we work with you to prepare and submit a direct application for your own licence.
This allows firms to:
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Launch and test their business model sooner
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Generate early operational experience
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Progress their own licence application in parallel
Once authorisation is granted, firms transition from the agent arrangement to operating under their own licence.
A Clear Route to Your Own Licence
Whether you apply directly from day one or begin as an agent while your application is progressed, our focus is the same: providing all the support you need to secure your own licence as efficiently and smoothly as possible.
End-to-End Comprehensive Support
Applying for a licence can feel daunting, particularly for early-stage firms that have yet to build out full policy and control frameworks. We remove that complexity by supporting you at every stage of the process, helping you achieve compliance efficiently and cost-effectively.
Beyond the application itself, we advise on the most appropriate jurisdiction in Europe for your licence and introduce you to trusted banking, technology, liquidity and card programme partners, including BIN sponsors and issuers where required.
Launching a fintech involves many moving parts — regulation, banking, technology and partnerships — and the right structure can significantly reduce time to market. Drawing on deep industry experience, we help you bring these pieces together quickly and pragmatically, without reinventing the wheel.
If you want the guidance of specialists who have navigated fintech regulation and market entry time and again, we would be happy to help.
Get in touch
AuthoriPay Ltd, Milton Hall, Ely Road, Cambridge, CB24 6WZ.