PAYMENT SERVICES
FCA Applications, Training & Compliance Support
Regulation moves quickly and keeping up with FCA expectaions can be challenging in the fast-moving e-money and payment services sectors. Adempi's experienced team understand UK payment services compliance and are on hand to help.
We offer a direct to senior-experts consultancy experience so that you know you're receiving guidance informed by real experience as well as deep knowledge of the PSRs and FCA regulation.
So whether your API or EMI needs training, authorisation support, policies to meet safeguarding requirements, an operational resilience framework, data-related advice, or every day compliance support, you have come to the right place!
Below you will find some of the services we offer to APIs and EMIs, and for details on anything else, feel free to get in touch.
PAYMENT SERVICES COMPLIANCE SUPPORT
PAYMENT SERVICES AT YOUR FINGERTIPS
Be interview ready - any time the FCA calls
.jpg)
EXPERT-LED PAYMENTS COMPLIANCE
Our payment services practice is led by Partner Lorraine Mouat, who brings extensive experience supporting PSPs and EMIs through every stage of the regulatory lifecycle. From FCA authorisation through to ongoing compliance, risk management and regulatory assessments, Lorraine and the team provide practical guidance that balances regulatory expectations with commercial reality.
Whether you're a start-up seeking your first authorisation, an established firm navigating operational resilience requirements, or a business adapting your model to incorporate payment services, we're here to help you get it right.
Have a question? Contact Lorraine
ELEARNING
Empowering firms to build regulatory confidence, operational resilience, and a culture of compliance.
When it comes to all staff training, eLearning can be just the ticket. Adempi’s award winning eLearning platform has engaging, interactive modules that deliver on learning while also being concise.
Our dedicated Payments and e-money library launches in 2026. Add yourself to the waitlist here.
LATEST PAYMENTS NEWS
Stay up to date our Payment Services & EMoney regulatory blogs
As a proud member of the TPIA, we’re committed to upholding the highest standards in the payments industry. Being part of this community gives us access to trusted insight, expert guidance, and collaborative support — helping us stay at the forefront of regulatory developments, operational best practice, and market integrity.
This means we’re able to deliver thoughtful, reliable and forward-looking services to our clients, backed by industry-wide knowledge and shared excellence.
FREQUENTLY ASKED QUESTIONS
What do you mean by Payment Services & E-money? Adempi works with firms operating within the UK Payment Services Regulations and Electronic Money Regulations - including Authorised Payment Institutions (APIs), Small Payment Institutions (SPIs), and E-money Institutions (EMIs). We also work with firms who are PIS/AIS providers only. In short: if you're moving money, issuing e-money, or building payments infrastructure, we can assist with any compliance-related questions.
Do you help with FCA authorisations for payment firms? Yes. We get firms “application-ready”: we prepare, review and submit applications, and we help you respond to FCA queries. We also support variations of permission and changes in control.
Is this only for firms that are not yet authorised? No — we hope that your FCA authorisation is the start of a much longer-term relationship. Most of Adempi's work is actually with authorised firms who need ongoing support. We stay on hand to help answer tricky questions — whether that's safeguarding, financial crime, Consumer Duty, data, risk or operational resilience — and to provide extra resource if you need help with compliance tasks such as policies, monitoring, reporting or training.
Do you offer training specific to payment institutions and EMIs? We do. Available online or in person, our compliance training is interactive and practical. We offer regulatory training designed specifically for the payments and e-money sector — and we can tailor it as much as you need for your API or EMI. In terms of audience, we deliver workshops for all staff, specific teams and roles (e.g. compliance, financial crime, finance or marketing teams), as well as for boards and executive teams. Adempi has won awards for our compliance training, and we also offer eLearning you can use to keep staff topped up between sessions or to deploy content quickly on new topics.
Can you benchmark whether we’re “on track” before we go to the FCA? Yes. Our Mini Compliance Health Check gives you a fast, independent view of how close you are to FCA expectations — and where to fix things before you apply for authorisation, expand your permissions or make other business changes.
Can you help us prepare for FCA interviews or supervisory engagement? Yes. We run mock interviews and readiness sessions so your leadership team can engage with the FCA confidently and credibly — whether for authorisation, thematic review or supervision.
Do you support safeguarding and wind-down planning for payment firms? Yes. We help firms build safeguarding controls, prepare for annual audits and attestations, and design FCA-aligned wind-down plans that stand up under scrutiny.