{"id":6661,"date":"2026-10-18T22:31:08","date_gmt":"2026-10-18T19:31:08","guid":{"rendered":"https:\/\/legalbit.top\/en\/fintech-payments-legal\/"},"modified":"2026-10-19T18:48:45","modified_gmt":"2026-10-19T15:48:45","slug":"fintech-payments-legal","status":"publish","type":"page","link":"https:\/\/legalbit.top\/en\/fintech-payments-legal\/","title":{"rendered":"Lawyers for fintech and payment services"},"content":{"rendered":"\n<div class=\"lbx\"><svg width=\"0\" height=\"0\" style=\"position:absolute\" aria-hidden=\"true\"><symbol id=\"i-key\" viewBox=\"0 0 24 24\"><circle cx=\"8\" cy=\"15\" r=\"4\"\/><path d=\"M11 12l9-9M16 7l3 3\"\/><\/symbol><symbol id=\"i-shield\" viewBox=\"0 0 24 24\"><path d=\"M12 3l8 3v6c0 5-3.5 8-8 9-4.5-1-8-4-8-9V6z\"\/><path d=\"M9 12l2 2 4-4\"\/><\/symbol><symbol id=\"i-bank\" viewBox=\"0 0 24 24\"><path d=\"M3 10l9-6 9 6M5 10v8M9 10v8M15 10v8M19 10v8M3 21h18\"\/><\/symbol><symbol id=\"i-contract\" viewBox=\"0 0 24 24\"><path d=\"M7 3h8l4 4v14H7z\"\/><path d=\"M15 3v4h4M10 14l2 2 3-3\"\/><\/symbol><symbol id=\"i-card\" viewBox=\"0 0 24 24\"><rect x=\"3\" y=\"6\" width=\"18\" height=\"13\" rx=\"2\"\/><path d=\"M3 10h18M7 15h4\"\/><\/symbol><symbol id=\"i-search\" viewBox=\"0 0 24 24\"><circle cx=\"11\" cy=\"11\" r=\"6\"\/><path d=\"M20 20l-4-4\"\/><\/symbol><symbol id=\"i-folder\" viewBox=\"0 0 24 24\"><path d=\"M3 6h6l2 2h10v11H3z\"\/><\/symbol><\/svg><ul class=\"lbx-kpi\"><li><small>Who it is for<\/small><b>Payment services, exchanges, neobanks<\/b><\/li><li><small>Framework<\/small><b>EMI, MSB, PSD2, AML\/KYC<\/b><\/li><li><small>Jurisdictions<\/small><b>EU, Canada, USA<\/b><\/li><\/ul><p class=\"lbx-lead\">Fintech runs on the trust of regulators and banks. We help you register or obtain a licence, build compliance and reach agreements with partner banks.<\/p><div class=\"lbx-pair\"><h2 class=\"lbx-ph l\">What brings clients to us<\/h2><span class=\"lbx-pg\"><\/span><h2 class=\"lbx-ph r\">What we do<\/h2><div class=\"lbx-card soft l\"><span class=\"lbx-ico\"><svg><use href=\"#i-key\"><\/use><\/svg><\/span><p class=\"lbx-t\">You are entering a new market and need to know which registration or licence is required: EMI, MSB and others<\/p><\/div><span class=\"lbx-ar\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 12h14M13 6l6 6-6 6\"\/><\/svg><\/span><div class=\"lbx-card r\"><span class=\"lbx-ico\"><svg><use href=\"#i-search\"><\/use><\/svg><\/span><p class=\"lbx-t\">We determine how the activity is qualified and which regime applies<\/p><\/div><div class=\"lbx-card soft l\"><span class=\"lbx-ico\"><svg><use href=\"#i-shield\"><\/use><\/svg><\/span><p class=\"lbx-t\">Your platform needs an AML\/ATF program that a regulator will accept<\/p><\/div><span class=\"lbx-ar\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 12h14M13 6l6 6-6 6\"\/><\/svg><\/span><div class=\"lbx-card r\"><span class=\"lbx-ico\"><svg><use href=\"#i-shield\"><\/use><\/svg><\/span><p class=\"lbx-t\">We develop an AML\/ATF program: policies, procedures, risk assessment, training and independent audit<\/p><\/div><div class=\"lbx-card soft l\"><span class=\"lbx-ico\"><svg><use href=\"#i-bank\"><\/use><\/svg><\/span><p class=\"lbx-t\">Banks refuse to open accounts or drag out onboarding<\/p><\/div><span class=\"lbx-ar\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 12h14M13 6l6 6-6 6\"\/><\/svg><\/span><div class=\"lbx-card r\"><span class=\"lbx-ico\"><svg><use href=\"#i-bank\"><\/use><\/svg><\/span><p class=\"lbx-t\">We prepare you for bank onboarding and explain how it differs from regulatory requirements<\/p><\/div><div class=\"lbx-card soft l\"><span class=\"lbx-ico\"><svg><use href=\"#i-contract\"><\/use><\/svg><\/span><p class=\"lbx-t\">You need agreements with payment providers, banks and partners<\/p><\/div><span class=\"lbx-ar\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 12h14M13 6l6 6-6 6\"\/><\/svg><\/span><div class=\"lbx-card r\"><span class=\"lbx-ico\"><svg><use href=\"#i-contract\"><\/use><\/svg><\/span><p class=\"lbx-t\">We build the contract base with providers, banks and partners<\/p><\/div><div class=\"lbx-card soft l\"><span class=\"lbx-ico\"><svg><use href=\"#i-card\"><\/use><\/svg><\/span><p class=\"lbx-t\">You need user terms and policies for a payment product<\/p><\/div><span class=\"lbx-ar\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 12h14M13 6l6 6-6 6\"\/><\/svg><\/span><div class=\"lbx-card r\"><span class=\"lbx-ico\"><svg><use href=\"#i-card\"><\/use><\/svg><\/span><p class=\"lbx-t\">We prepare user documents for the payment product<\/p><\/div><div class=\"lbx-card soft l\"><span class=\"lbx-ico\"><svg><use href=\"#i-folder\"\/><\/svg><\/span><p class=\"lbx-t\">You need to prepare and file an application with the regulator<\/p><\/div><span class=\"lbx-ar\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M4 12h14M13 6l6 6-6 6\"\/><\/svg><\/span><div class=\"lbx-card r\"><span class=\"lbx-ico\"><svg><use href=\"#i-folder\"><\/use><\/svg><\/span><p class=\"lbx-t\">We assemble the document package, file the application and support the dialogue with the regulator<\/p><\/div><\/div><section><h2>How we work<\/h2><ol class=\"lbx-steps\"><li><b>Task review<\/b><span>We study your product and business model.<\/span><\/li><li><b>Strategy<\/b><span>We settle the solutions, timelines and budget.<\/span><\/li><li><b>Preparation<\/b><span>Documents, contracts and procedures for your task.<\/span><\/li><li><b>Support<\/b><span>We stay with you to the result and after launch.<\/span><\/li><\/ol><\/section><section><h2>Cases<\/h2><div class=\"lbx-cases\"><a class=\"lbx-case\" href=\"\/en\/case-canada-msb-registration-crypto-payment-platform\/\" style=\"--cb:url(https:\/\/legalbit.top\/wp-content\/uploads\/2026\/10\/case-canada-msb-1024x572.webp)\"><small>Fintech<\/small><b>Registering a Canadian MSB for a crypto payment platform<\/b><span>Read the case \u2192<\/span><\/a><a class=\"lbx-case\" href=\"\/en\/case-licensed-crypto-company-acquisition\/\" style=\"--cb:url(https:\/\/legalbit.top\/wp-content\/uploads\/2026\/10\/case-eu-crypto-acquisition-1024x572.webp)\"><small>M&amp;A<\/small><b>Acquisition of a VASP-licensed crypto company<\/b><span>Read the case \u2192<\/span><\/a><\/div><\/section><section><h2>FAQ<\/h2><div class=\"lbx-faq\"><details><summary>How is an EMI licence different from MSB registration?<\/summary><p>An EMI is a licence to issue electronic money granted by regulators in EU countries. An MSB is a money services business registration, for example with FINTRAC in Canada. Which regime applies depends on the market and the services you offer.<\/p><\/details><details><summary>Can we operate in a market without a local entity?<\/summary><p>It depends on the country. In Canada, for example, foreign service providers can register as a Foreign MSB before starting operations. We check the requirements of the chosen market at the outset.<\/p><\/details><details><summary>Why do banks refuse fintech companies?<\/summary><p>Often because of incomplete compliance, an unclear ownership structure or a high-risk model. Regulatory requirements and bank onboarding differ, so we prepare documents for both processes.<\/p><\/details><\/div><\/section><div class=\"lbx-cta\"><p>Shall we discuss your task? We reply within one business day.<\/p><div><button type=\"button\" class=\"lbx-b popmake-4929\">Get a consultation<\/button><a href=\"\/en\/pricing\/\">How pricing works<\/a><\/div><\/div><p class=\"lbx-back\"><a href=\"\/en\/#services\">All industries<\/a> \u00b7 <a href=\"\/en\/\">\u2190 Home<\/a><\/p><\/div>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Lawyers for fintech and payment services\",\"description\":\"EMI and MSB registration and licences, AML\/ATF programs, agreements with banks and payment providers. Fintech lawyers at LegalBit.\",\"url\":\"https:\/\/legalbit.top\/en\/fintech-payments-legal\/\",\"provider\":{\"@type\":\"LegalService\",\"name\":\"LegalBit\",\"url\":\"https:\/\/legalbit.top\/\"},\"areaServed\":\"Worldwide\"}<\/script>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How is an EMI licence different from MSB registration?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An EMI is a licence to issue electronic money granted by regulators in EU countries. An MSB is a money services business registration, for example with FINTRAC in Canada. Which regime applies depends on the market and the services you offer.\"}},{\"@type\":\"Question\",\"name\":\"Can we operate in a market without a local entity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on the country. In Canada, for example, foreign service providers can register as a Foreign MSB before starting operations. We check the requirements of the chosen market at the outset.\"}},{\"@type\":\"Question\",\"name\":\"Why do banks refuse fintech companies?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Often because of incomplete compliance, an unclear ownership structure or a high-risk model. Regulatory requirements and bank onboarding differ, so we prepare documents for both processes.\"}}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Who it is forPayment services, exchanges, neobanks FrameworkEMI, MSB, PSD2, AML\/KYC JurisdictionsEU, Canada, USA Fintech runs on the trust of regulators and banks. We help you register or obtain a licence, build compliance and reach agreements with partner banks. What brings clients to us What we do You are entering a new market and need [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":220,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"folder":[98],"class_list":["post-6661","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/pages\/6661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/comments?post=6661"}],"version-history":[{"count":12,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/pages\/6661\/revisions"}],"predecessor-version":[{"id":7184,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/pages\/6661\/revisions\/7184"}],"wp:attachment":[{"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/media?parent=6661"}],"wp:term":[{"taxonomy":"folder","embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/folder?post=6661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}