Define the regulatory responsibilities.
License as a Service gives eligible programmes an agreed regulatory arrangement, with documented roles and limits.
Discuss your programme ↗One documented arrangement
Activities, markets and service limits define the scope.
Your business
Owns the brand and customer experience, and fulfils the responsibilities agreed for its role.
Decision authority
Support ownership
Data access
Provider dependencies
Regulated entity
Retains responsibility for its regulated activities and the controls required by law.
The agreement establishes who does what. License as a Service provides a regulatory arrangement; the licence remains with the authorised entity.
Know which activities the arrangement covers.
Before a business adds payments or stored value, it needs to establish who provides the regulated service. We work through the activities and customer journey with you, then define the responsibilities and limits in the programme agreements.
Your product adds payment functionality.
Your business wants customers to hold and use value inside its product. Before launch, each party needs to understand which activities it provides and which decisions it owns.
The programme agreement records those responsibilities and service limits. Your team can design the customer journey and operating procedures around an agreed division of work.
License as a Service is a commercial term. It does not transfer a licence to your business. Programme agreements define the service scope and any agent or distributor arrangement.
Agree who makes each decision.
You control your customer experience. The regulated entity retains its regulatory responsibilities. The responsibility matrix sets out decision authority, support duties, data access and dependencies on other providers.
Get help with
a review.
Your contact explains who handles the case, what evidence is needed and when to expect an update. We listen to your context and reconsider when new information permits.
From a question to a next step
Connect with your case owner
Tell us what needs attention. Your named contact confirms who handles the review and when to expect an update.
Bring the evidence into the review
Your team provides the relevant context. The reviewer considers it alongside the programme records and identifies any gaps.
Receive a decision and the next action
Your contact explains the outcome and what your team needs to do next, where disclosure is permitted.
More information needed? Your contact explains what is missing. New evidence returns to the review and may lead to reconsideration where permitted.
Discuss your programme requirements.
Tell us what your business needs from a payment provider. Investors can contact us to discuss the market and business model.