Is the FCA getting easier to deal with?
What the FCA's 2026 survey reveals about firms' experiences, approval times and reporting demands, plus practical implications for payment-business deals.
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…
A provisional licence cannot replace an SPI, API or EMI. Your licence keeps its value.
Legislative status: based on the Bill as it stands after Grand Committee. It is not law and it can still change. The…
Dormant SPI and API licences are being cancelled: it’s time to capitalise on your asset
If you hold a UK payment licence you are not using, you are holding an asset with a shelf life. The FCA…
FCA change of control: the gate that decides payment-institution deals, not the price
In a UK payment institution deal, the price is rarely the thing that stops it. FCA change of control is. A buyer…
Why Your SPI Application Just Got 40% Harder to Get Approved
The FCA approval rate for Small Payment Institution licences has dropped from 85% to 70% in two years, and if you're planning…
FCA Cracks Down on Dormant Small Payment Institutions: What UK Money Service Businesses Need to Know
The Financial Conduct Authority (FCA) has stepped up its scrutiny of Small Payment Institutions (SPIs), revoking several registrations in 2025 for inactivity
PSD2, PSD3, and the FX Business: What’s Changing and Why It Matters
The European Union's Payment Services Directive (PSD) has been a cornerstone of financial regulation, shaping the payments landscape across Europe. With PSD2