API Compliance is a regulatory compliance consultancy for companies operating – or looking to operate – in the payments industry.
With many years of experience in the global payments market, we can handle all of your company’s needs, including:
 Small Payment Institution (SPI licence)
 Authorised Payment Institution (API licence)
 Upgrading your firm from SPI to API status
 Passporting your licence to other EU jurisdictions (API firms only)
 Providing banking introductions
 Business procedures analysis and development
 AML and regulatory audit, which is often required by banks and payment correspondents
Can API Compliance help with overseas applications?
We can also provide licencing support for:
 Ireland
 Malta
 Switzerland (Polyreg)
 Hong Kong
Our service
We charge on a flat-fee basis for all licences and will work closely with you to ensure your project specification is well-defined, with a clear time scale for key milestones and completion. You can follow the progress of your projects online via our web portal.
All licencing quotes include unlimited follow-up with the regulator until your licence is granted.
If you would like to discuss your business’ options, including assessing your firm’s readiness for its licencing application please get in touch.

• Authorisation
• Authorisations – FCA
• Bespoke Processes/Procedures
• Business Development/mentoring
• Complaints Handling/Reviews
• Compliance Auditing/Due Diligence
• Compliance Support
• Compliance Training
• Contract Services/Interim Locum Support
• Data Security/Protection
• Documentation
• File Reviews
• Financial Crime /AML
• Governance
• Marketing
• Regulatory Returns
• Regulatory Updates
• Risk Assessment /Management
• Skilled Persons Review Support
• Supervisory Support /Monitoring /Assessment
• Training

• Crypto/AML
• Electronic Money Issuers/Payment Institutions