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Blue Light Gradient

Authorised Payment Institution
(API) Licence, UK

FCA authorisation support for firms seeking to become Authorised Payment Institutions.

Clients we have helped

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Why payment and e-money firms work with us

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Specialist focus

We advise payment and e-money firms on UK and European authorisation, compliance and regulator engagement.

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Experience since 2013

We have supported applicant and regulated firms across EMI, Payment Institution and fintech authorisation projects for over a decade.

Speak with an expert

Let's discuss

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Fill out our form and we will get back to you, usually within 3 business hours. 

FCA Authorised Payment Institution licence guide 

FCA Authorised Payment Institution FAQs

Specialists in FCA payments authorisation since 2013

Every engagement is led at director level. You work directly with the senior practitioners preparing your application, not a delegated team. Buckingham Capital Consulting has focused on FCA payments and e-money authorisations since 2013, with successful outcomes across acquirers, remittance operators, open banking providers, B2B payment platforms, and foreign exchange firms. We know what the FCA expects on first submission, and we prepare accordingly.

FCA Payment Institution licence success stories

Working on Tablet

Project: Nexpay

Overview:

Nexpay engaged Buckingham Capital Consulting in relation to its FCA Authorised Payment Institution application. Our work included application preparation, regulatory documentation, compliance policies, risk assessment, governance evidence and FCA engagement through the application process.

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Scope of Work:

  • Prepared and submitted the API licence application.

  • Developed compliance policies and operational procedures.

  • Prepared risk assessment, compliance and governance evidence for the application.

  • Supported FCA engagement and responses to regulatory questions.

 

Outcomes Delivered:

  • Successfully obtained API license approval.

  • Strengthened application evidence and post-authorisation compliance arrangements for payment services.

Work Meeting

Overview:

Global Send engaged Buckingham Capital Consulting for support with its FCA Authorised Payment Institution application and related compliance arrangements.

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Scope of Work:

  • Defined the regulatory route, application plan and supporting evidence requirements.

  • Prepared and submitted API licence application.

  • Conducted compliance audits and gap analysis.

  • Provided continuous compliance advisory support.

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Outcomes Delivered:​

  • Successfully obtained API licence.

  • Developed a clear regulatory road map.

  • Identified and addressed compliance gaps.

  • Strengthened compliance monitoring arrangements for post-authorisation obligations.

Project: Global Send

Office talks

Project: Onpoint Money

Overview:

Onpoint Money engaged Buckingham Capital Consulting in relation to its Small Payment Institution registration and supporting compliance arrangements.

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Scope of Work:

  • Managed SPI registration and submission.

  • Planned the regulatory route, application plan and supporting evidence mapping.

  • Developed compliance policies and operational procedures.

  • Provided ongoing regulatory and compliance advisory.

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Outcomes Delivered:

  • Secured SPI registration.

  • Established strong compliance policies and procedures.

  • Strengthened regulatory reporting and compliance arrangements.

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