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:


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.


Have legal peace of mind for £189 per month with additional support from £125 per hour.

A monthly subscription legal support package specifically designed for start-ups and smaller businesses.


Providing you with priority access to a dedicated panel of highly experienced solicitors.

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.

What next?

Please leave us your details and we’ll contact you to discuss your situation and legal requirements. There’s no charge for your initial consultation, and no obligation to instruct us. We aim to respond to all messages received within 24 hours.

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A national law firm

We mainly work remotely, so we can work with you wherever you are. But we can arrange face-to-face meeting at our offices or a location of your choosing.

Our commercial lawyers are based in or close to major cities across the UK, providing expert legal advice to clients both locally and nationally.

Floor 2, Cavendish House, 39-41 Waterloo Street, Birmingham, B2 5PP
Stirling House, Cambridge Innovation Park, Denny End Road, Waterbeach, Cambridge, CB25 9QE
10 Fitzroy Square, London, W1T 5HP
13th Floor, Piccadilly Plaza, Manchester, M1 4BT
Harwell Innovation Centre, 173 Curie Avenue, Harwell, Oxfordshire, OX11 0QG
2-5 Velocity Tower, 1 St Mary’s Square, Sheffield, S1 4LP