How long does it take to buy a UK payment institution?
How long it takes to buy a UK SPI, API or EMI: the FCA change-in-control clock (median 43 days), due diligence, bank…
SPI vs API vs EMI: what each licence is worth to a buyer
SPI vs API vs EMI compared for buyers: the €3m SPI cap, API and EMI capital, safeguarding, FCA change in control and…
Payment volume is not the whole deal: why buyers pay for capability
Three payment deals show why buyers look beyond volume to contracts, customers and capabilities they cannot reproduce quickly.
The UK Plans Longer Hours for Large Payments: What SPI and API Buyers Need to Know
The UK plans longer hours for large and urgent payments. Learn when this matters and five checks for buyers assessing an SPI…
Will agentic AI make your payment institution worth more? Not by itself.
A vendor white paper published on 6 August 2026 says agentic AI is remaking cross-border payments. It is probably right about the…
From agreed price to completed deal: what actually closes a UK payment institution sale
In a share sale that gives a buyer control of a UK payment or e-money institution, the buyer must notify the FCA…
UK fintech acquisitions are down 25% in H1. What it means if you plan to sell an SPI or API
UK fintech acquisitions fell to 42 in the first half of 2026. That is down 25% on the second half of 2025,…
Stablecoin settlement: what to show a buyer before an SPI or API sale
A plain corridor test for UK SPI and API founders assessing stablecoin settlement before a cross-border payments sale.
Euro Exchange Securities: buying a licence still beats applying, if you check what holds it
Applying for your own FCA authorisation can take more than a year, with no guarantee you are approved. Buying an authorised firm…
Buying or Selling a Payment Institution in UK: The Complete Guide for 2026
When you're ready to buy or sell a payment institution in the UK, you're making one of the biggest decisions in fintech.…