Payment Services
Service overview: payment services solicitors
- Payment services regulation controls the transfer of money by banks and electronic money institutions.
- The Payment Services Directive (PSD2) controls how businesses are able to provide electronic payment services.
- PSD2 aims to create a single integrated EU market for payment services by standardising bank rules.
- We can advise you on dealing with the payment services regulation under the financial conduct authority (FCA).
What we do: Payment services solicitors
Our payment services lawyers can assist you with your payment services requirements and walk you through these processes to guarantee your compliance. Some of the typical areas we would help your business with include:
- Comparability of fees connected with payment accounts
- How best to apply strong customer authentication to electronic payments
- Payment Services Directive (PSD2)
- Payment Accounts Directive (PAD)
- Payment account switching
- Financial Conduct Authority (FCA) – including handbook rules and breaches
We’re also able to assist with the following:
- Applying for authorisation to provide payment services, electronic money issuance
- Drafting, negotiating and updating commercial agreements including white label agreements between service providers
- Drafting and reviewing policies and procedures
Our payment services solicitors will also work closely with our corporate and tax teams to cover all aspects of your deal, so the legal work is seamless whatever the transaction.
Who we work with
Our payment services lawyers regularly advise many different individuals and organisations, such as:
- financial services firms
- payment services firms
We explain how payment services regulation may affect you and your business, of if you’re new to financial services, we can discuss how you need to become regulated and the steps to maintain that regulation.
Why choose Harper James? Our payment services solicitors’ experience
Our payment services solicitors have all been recruited from top 100 UK law firms or from large international businesses. They each have more than 10 years experience. Find out more about our finance solicitors here:
Pricing plans
Our three transparent pricing packages are designed to give you the widest possible access to high-quality legal advice, whatever the size and nature of your business:
City
Straightforward access to senior solicitors at a competitive rate.
An affordable solution for businesses needing one-off legal support. Receive ‘City’ partner-level expertise at a fraction of ‘City’ prices.
Enterprise
Have legal peace of mind for £189 per month with additional support from £99 per hour.
A monthly subscription legal support package specifically designed for start-ups and smaller businesses.
On-Demand
For businesses requiring 60+ hours of support a year, with prices equivalent to £99 per hour.
Fully account managed quarterly subscription service for businesses with more complex legal needs.
What our clients say
We pride ourselves on delivering an excellent service for clients, but don’t just take our word for it.
Harper James provide a cost effective, responsive and versatile service and provide us with access to legal teams that are experienced, commercially focused and well-resourced. Most importantly they are extremely familiar with the SME market and know the venture capital sector well.

As a University spin-out getting the right team of lawyers to support our emerging business was fundamental and the team are always available to provide us with the invaluable guidance and support we require.

Harper James have become a vital part of our business. We get quality advice from experienced solicitors at prices that other firms do not appear to be able to match.
