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London W1H 1NB, UK
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Paywise Compliance Consulting

Compliance made simple, growth made possible

Paywise Compliance Consulting provides expert regulatory guidance to payment services. crypto asset and Consumer credit firms navigating the Financial Conduct Authority (FCA) authorisation process and ongoing compliance obligations. We support firms from initial application through to long-term regulatory success.

OUR SERVICES

What can we do for you?

Manage your risk, and ensure your business is compliant with the UK Payment Services and E-Money Regulations. 

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Acquisitions

API Compliance supports firms interested in buying or selling a Payment Institution (SPI/API) or...
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Acquisitions

API Compliance supports firms interested in buying or selling a Payment Institution (SPI/API) or...
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Change in control

Under the Financial Services and Markets Act 2000 (FSMA), anyone planning to gain or increase…
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Change in control

Under the Financial Services and Markets Act 2000 (FSMA), anyone planning to gain or increase control...
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Consumer Duty

In July 2022, the FCA introduced the final rules for the new Consumer Duty, requiring…
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Consumer Duty

In July 2022, the FCA introduced the final rules for the new Consumer Duty, requiring most regulated firms...
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Regulatory reporting

Regulatory reporting can be a time-consuming and complex task, especially for smaller firms in the...
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Regulatory reporting

Regulatory reporting can be a time-consuming and complex task, especially for smaller firms in the...
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Retainer

Navigating the ever-evolving regulatory expectations from the FCA and EBA, along with increasing...
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Retainer

Navigating the ever-evolving regulatory expectations from the FCA and EBA, along with increasing...
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Safeguarding

If your firm is an authorised payment institution (API) or an e-money institution (EMI) managing...
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Safeguarding

If your firm is an authorised payment institution (API) or an e-money institution (EMI) managing...
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WHY CHOOSE US

Because strong compliance delivers good outcomes — for your firm and your customers.

At Paywise Compliance, we support payment services, consumer credit, and cryptoasset firms in meeting FCA expectations by embedding compliance frameworks that promote fair value, clear communications, robust governance, and positive customer outcomes.

FCA Authorisation with Consumer Duty Built In
Our team has extensive experience guiding firms through FCA authorisation and registration, ensuring that Consumer Duty principles are embedded from day one. We design applications, policies, and operating models that demonstrate:
  • A clear focus on good customer outcomes
  • Strong governance and accountability
  • Effective risk identification and management
Practical Support Focused on Good Outcomes
We translate regulatory requirements into clear, actionable steps, helping firms:
  • Demonstrate fair value to customers
  • Ensure clear, timely, and effective communications
  • Strengthen customer support and operational resilience
  • Evidence compliance through monitoring, MI, and governance oversight
A Trusted Partner in Ongoing Compliance
Consumer Duty is not a one-off exercise. We act as a long-term compliance partner, supporting ongoing reviews, board reporting, and continuous improvement to ensure your firm consistently delivers good outcomes for retail customers.
The Paywise Advantage
  • FCA authorisation specialists
  • Consumer Duty–aligned compliance frameworks
  • 25+ years of financial services experience
  • Payments, consumer credit & crypto expertise
Compliance that delivers outcomes. Confidence that lasts.
CLIENTS TESTIMNIAL

What Clients say about Us

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Rachel Ballinger
CEO, Bizzbreak Inc.
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"We’ve worked with several consultancies, but Paywise Compliance truly stood out. Their team conducted our annual AML and safeguarding audits with professionalism and depth. They didn’t just tick boxes—they helped us strengthen our internal controls and gave valuable insights tailored to our firm."
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Kevin Miller
Manager, PPS
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“Thanks to Paywise Compliance, we were able to acquire an SPI license in record time. Their end-to-end support—from initial valuation to handling the Change-in-Control process—was seamless. They made a complex transaction feel manageable and kept everything on track with the FCA.”
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Oakland Miller
Leadership Group
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"Regulatory reporting used to be a real headache for us—until we partnered with Paywise Compliance. Their expertise with REP018, REP017, and FIN060 took the pressure off our team. They handled the filings directly via RegData and kept us fully informed every step of the way."
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Laura Chob
Formar Manager
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"The training from Paywise Compliance was exactly what we needed to upskill our team. The courses were engaging, clear, and easy to apply. Their partnership with the ICA gave us access to globally recognised qualifications, and the 10% discount was a nice bonus."
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    About Us

    We are a UK-based compliance consultancy dedicated to supporting financial services firms in meeting their regulatory obligations with confidence and clarity. Operating exclusively within the UK regulatory framework, we assist businesses at every stage of their journey—whether navigating the complexities of authorisation or maintaining ongoing compliance.

    Our strength lies in the depth of expertise across our team. With a combined foundation of over 25 years’ experience in financial services, we bring practical insight, regulatory understanding, and strategic guidance to every engagement. We do not offer generic solutions; instead, we deliver tailored advice that reflects the realities of your business and the expectations of the regulator.

    We understand that today’s regulatory landscape is demanding, fast-moving, and often challenging. That is why we position ourselves not simply as advisers, but as your long-term compliance partner. From initial application through to day-to-day oversight, we work alongside you to make complex processes clear, manageable, and efficient.

    Our focus is on achieving the right outcome—every time. By combining technical excellence with a client-centred approach, we help firms progress with confidence, minimise regulatory risk, and build sustainable, compliant operations. With us, compliance becomes not a barrier to growth, but a foundation for it.

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