Buckingham Capital Consulting advises payment, e-money and cryptoasset firms on licensing, compliance, banking and transactions in more than 60 countries, and builds the white-label payment and card technology its clients launch on.
The firm was established in 2013 to license payment businesses. Since then its founders have held FCA approved roles, run a regulated e-money institution and arranged the banking regulated firms depend on.
That experience shapes every engagement. The firm advises as an operator: on what the regulator will accept, what the bank will ask, what the board must own, and what the business can carry.
Firms licensed, regulated businesses run, returns signed.
Direct relationships with the institutions that serve regulated and higher-risk firms.
A reply within three business hours and a written proposal the same day, before the client commits.
Six capabilities, delivered together.
EMI, payment institution, MSB, cryptoasset, gaming and investment authorisations.
Reporting, policies, financial crime and safeguarding after authorisation.
Accounts, acquiring and processing through direct relationships.
White-label platforms and card programmes, ready to launch with the licence.
Remediation to the regulator’s timetable.
Acquisitions, change of control and programme access.
Four decades of combined experience in payments, licensing and banking.
Applications prepared and taken through regulators in more than 60 countries since 2013, across the FCA, the European authorities, FinCEN, FINTRAC, AUSTRAC and MAS.
Relationships with the banks, EMIs and payment providers that open and keep the accounts regulated firms depend on.
Founders who have run a regulated e-money institution and held FCA approved roles, with an in-house team that builds bespoke systems for clients that need them.
What the firm did and what the client received.
Outcome. EMI licence granted by the FCA.
Outcome. EMI licence granted by the FCA.
Outcome. EMI licence approved for operations across the UK and Europe.
Outcome. API licence granted, with post-authorisation compliance in place.
Outcome. API licence granted, with compliance gaps identified and closed.
Outcome. SPI registration granted, with compliance policies and regulatory reporting in place.
Buckingham Capital Consulting guided us through the EMI licence process with precision and clarity. Their regulatory experience made all the difference.
Selected licensing engagements. More than 250 licences obtained since 2013 across payments, e-money, cryptoassets, gaming and consumer credit.
| Client | Licence | Regulator | Engagement |
|---|---|---|---|
| Nexpay | Payment institution | FCA | Obtained Nexpay’s FCA Authorised Payment Institution licence. |
| Orbital | Payment institution | FCA | Obtained Orbital’s FCA Authorised Payment Institution licence. |
| Oval | Payment institution | FCA | Obtained Oval’s FCA Authorised Payment Institution licence with open banking permissions. |
| Global Send | Payment institution | FCA | Obtained Global Send’s FCA Authorised Payment Institution licence. |
| Hami | Payment institution | FCA | Obtained Hami’s UK payment institution licence for money remittance services. |
| Onpoint Money | Small payment institution | FCA | Obtained Onpoint Money’s FCA small payment institution registration. |
| Dzing Finance | Electronic money institution | FCA | Obtained Dzing Finance’s FCA Authorised Electronic Money Institution licence. |
| Hryze | Electronic money institution | FCA | Obtained Hryze’s FCA Electronic Money Institution licence. |
| HFS | Electronic money institution | FCA | Obtained HFS’s FCA Electronic Money Institution licence. |
| EuroPanPay | Electronic money institution | FCA | Obtained EuroPanPay’s UK Electronic Money Institution licence. |
| Own Solutions | Electronic money institution | Central Bank of Ireland | Obtained Own Solutions’ Central Bank of Ireland Electronic Money Institution licence. |
| Moneliq | Variation of permission | FCA | Obtained Moneliq’s FCA PSD2 variation of permission. |
| Royal College of Music | Consumer credit | FCA | Obtained the Royal College of Music’s FCA consumer credit licence. |
| Macmillan Cancer Support | Consumer credit | FCA | Obtained Macmillan Cancer Support’s FCA consumer credit licence. |
The same commitments on every engagement, in every jurisdiction.
Every engagement is led by the practitioners who prepare the application and attend the regulator.
A reply within three business hours and a written proposal the same day: the licence, the requirements, the cost and the timing.
Your plans, your application and any listing stay private. Clients are named only with their agreement.
2 Frederick Street, London WC1X 0ND, United Kingdom
United States office, serving clients across the Americas.