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Who We Serve

By Vertical

PI

Who We Serve

By Vertical

PI

Payment Institution (PI) Compliance Services

We Offer Compliance Support for Payment Institutions

From license applications to day-to-day operations, we help Payment Institutions mitigate regulatory risks in the EU. Our team supports you through registration, policy development, and AML, so you can focus on growing your business.

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As seen on:

Compliance for Payment Institutions

Challenges

Payment Institutions Face Complex Compliance Rules

Payment Institutions Face Complex Compliance Rules

Payment Institutions face a wide range of compliance requirements, even before they launch. Licensing, safeguarding, AML, and ongoing supervision all need to be handled correctly, and regulators across the EU are raising their expectations.

Payment Institutions face a wide range of compliance requirements, even before they launch. Licensing, safeguarding, AML, and ongoing supervision all need to be handled correctly, and regulators across the EU are raising their expectations.

Complex Licensing Process

Even getting started requires detailed documentation, capital planning, and regulatory reviews. Mistakes or delays in the process can slow you down.

Safeguarding Customer Funds

Payment Institutions must keep client funds separate, monitor them daily, and prepare for audits. Weak safeguarding controls can create a serious risk.

AML Expectations Are Rising

Regulators across the EU are increasing scrutiny of AML programs. That means stronger KYC, better transaction monitoring, and more robust internal oversight.

Regulators

Who Regulates Payment Institutions in the EU?

PIs in the EU are licensed and supervised by national regulators in each member state. These authorities follow EU-wide rules set by the European Commission and the European Banking Authority (EBA).

Frameworks

Core Frameworks That Apply to Payment Institutions

Core Frameworks That Apply to Payment Institutions

The regulatory landscape for payment institutions includes EU-level directives like PSD2, international AML standards, and national privacy laws. These shape everything from how you onboard clients to how you handle complaints and protect data.

The regulatory landscape for payment institutions includes EU-level directives like PSD2, international AML standards, and national privacy laws. These shape everything from how you onboard clients to how you handle complaints and protect data.

PSD2

Payment Institution License
Compliance Policies for Payment Institutions
Compliance Program Management
AMLCO for Payment Institutions

How We Help

Let Us Manage Compliance While You Focus on Growth

01

Getting a PI License

We guide you through the PI license application process with your local regulator. That includes regulatory strategy, required filings, business plans, policies, and financial models.

Licensing
Regulatory Strategy

01

Getting a PI License

We guide you through the PI license application process with your local regulator. That includes regulatory strategy, required filings, business plans, policies, and financial models.

Licensing
Regulatory Strategy

02

Setting Up Your Compliance Program

We help you build a program that fits your business model. From AML policies to training plans, we create documents and workflows aligned with your risks and requirements.

Policies and Procedures
Training
Vendors
Staffing

02

Setting Up Your Compliance Program

We help you build a program that fits your business model. From AML policies to training plans, we create documents and workflows aligned with your risks and requirements.

Policies and Procedures
Training
Vendors
Staffing

03

Running Daily Compliance

Once live, we support day-to-day compliance operations. That includes monitoring activity, filing reports, responding to regulator updates, and keeping your documents current.

Surveillance
Supervision
Recordkeeping
Filings
Regulatory Exams

03

Running Daily Compliance

Once live, we support day-to-day compliance operations. That includes monitoring activity, filing reports, responding to regulator updates, and keeping your documents current.

Surveillance
Supervision
Recordkeeping
Filings
Regulatory Exams

04

Filling Required Roles

We can act as your outsourced CCO, AML officer, or other required roles, giving you access to experienced professionals without needing to hire full-time staff.

Chief Compliance Officer (CCO)
Anti-Money Laundering Compliance Officer (AMLCO)

04

Filling Required Roles

We can act as your outsourced CCO, AML officer, or other required roles, giving you access to experienced professionals without needing to hire full-time staff.

Chief Compliance Officer (CCO)
Anti-Money Laundering Compliance Officer (AMLCO)

Why InnReg

A Compliance Partner for Payment Institutions

Our team combines regulatory expertise with hands-on execution. We help you manage licensing, AML, and safeguarding requirements while adapting to your internal tools and workflows.

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Decades of Experience

Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.

Full-Service Solutions

InnReg can cover your entire compliance journey, from strategic planning to daily operations.

Seamless Integration

InnReg's team integrates into your organization to complement your existing resources and structures.

Expertise on Your Niche

Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.

Worldwide Expertise

With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.

Cost-Effective Services

Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.

Resources

Latest Content

Articles

Downloads

Step-by-Step Guide to FCA Authorisation in 2026

PI

EMI

Crypto

Feb 14, 2026

·

14 min read

Payment Institution Guide: Services, Licensing, and Compliance

Payment Services

PI

Jan 20, 2026

·

22 min read

Crypto Travel Rule Guide (Updated 2026)

MSBs

Money Transmitters

Currency Exchanges

Dec 26, 2025

·

15 min read

GDPR for Financial Services: Best Practices for Compliance

PI

EMI

Digital Banking

Oct 28, 2025

·

18 min read

DORA Regulation Explained: EU Digital Operational Resilience Act

Payment Services

PI

EMI

Sep 14, 2025

·

12 min read

Guidelines for Referral Program Compliance in Financial Services

Broker-Dealers

RIAs

ATS

Apr 22, 2025

·

16 min read

Browse Our Blog

FAQ

Payment Institution Compliance FAQs

Payment Institution Compliance FAQs

What is the difference between a Payment Institution and an Electronic Money Institution in the EU?

Do I need separate payment licenses for the UK and the EU?

What are safeguarding rules, and do they apply to my payment business?

How much capital is required to become a licensed payment provider?

Do I need to file suspicious activity reports (SARs) as a payment services provider?

Do payment providers need to monitor transactions in real time?

What is the role of transaction limits in compliance?

What is a Payment Institution under PSD2?

What’s included in a PI license application?

How long does it take to get licensed as a Payment Institution?

Let's Talk About Your Business Needs

Let's Talk About Your Business Needs

By submitting this form, you consent to be added to our mailing list and to receive marketing communications from us. You can unsubscribe at any time by following the link in our emails or contacting us directly.

By submitting this form, you consent to be added to our mailing list and to receive marketing communications from us. You can unsubscribe at any time by following the link in our emails or contacting us directly.

Who We Serve

By Vertical

Payment Institutions

Who We Serve

By Vertical

Broker-Dealers

Registered Investment Advisors (RIA)

Alternative Trading Systems (ATS)

Money Services Businesses (MSBs)

Lenders

Payment Services

Crowdfunding Portals

Digital Banking

Crypto and Blockchain

Forex Brokers

Banks

Compliance Services

Compliance Consulting

Regulatory and Product Strategy

Registrations and Licensing

Compliance Workflows

Partnerships Support

Policies and Procedures Development

KYC & AML Programs

Cybersecurity Program Development

Regulatory Exams and Audits

Gap Analysis and Risk Assessments

Client Onboarding

Compliance Operations

Suspicious Activity Monitoring

Account Funding and Transfer Supervision

Trading Supervision

Electronic Books and Records Management

Staffing Compliance

Electronic Communications Reviews

Advertising and Marketing Reviews

Vendor Risk Management Program

By Role

Outsourced Chief Compliance Officer (CCO)

Outsourced Financial Operations Principal (FINOP)

Outsourced Supervisory Principals

Licensing Services

By Vertical

Broker-Dealer Registration

Investment Advisor Registration

MSB Registration

Money Transmitter License

Currency Exchange License

Check Casher License

Lender License

Payment License

Crowdfunding Portal Registration

Crypto License

Forex Broker License

Resources

Learn

Blog

Case Studies

Regulatory Updates

FINRA Rules

Downloads

Ebooks

Spreadsheets

About InnReg

Company

Who We Are

Why InnReg

Regly

Careers

Referral Program

Contact Us

Legal

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Terms of Use

© 2026 InnReg LLC

305-908-1160

LinkedIn Innreg
X InnReg

9100 S Dadeland Blvd
Suite 1500
Miami, Florida 33156

The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.

Who We Serve

By Vertical

Broker-Dealers

Registered Investment Advisors (RIA)

Alternative Trading Systems (ATS)

Money Services Businesses (MSBs)

Lenders

Payment Services

Crowdfunding Portals

Digital Banking

Crypto and Blockchain

Forex Brokers

Banks

Compliance Services

Compliance Consulting

Regulatory and Product Strategy

Registrations and Licensing

Compliance Workflows

Partnerships Support

Policies and Procedures Development

KYC & AML Programs

Cybersecurity Program Development

Regulatory Exams and Audits

Gap Analysis and Risk Assessments

Client Onboarding

Compliance Operations

Suspicious Activity Monitoring

Account Funding and Transfer Supervision

Trading Supervision

Electronic Books and Records Management

Staffing Compliance

Electronic Communications Reviews

Advertising and Marketing Reviews

Vendor Risk Management Program

By Role

Outsourced Chief Compliance Officer (CCO)

Outsourced Financial Operations Principal (FINOP)

Outsourced Supervisory Principals

Licensing Services

By Vertical

Broker-Dealer Registration

Investment Advisor Registration

MSB Registration

Money Transmitter License

Currency Exchange License

Check Casher License

Lender License

Payment License

Crowdfunding Portal Registration

Crypto License

Forex Broker License

Resources

Learn

Blog

Case Studies

Regulatory Updates

FINRA Rules

Downloads

Ebooks

Spreadsheets

About InnReg

Company

Who We Are

Why InnReg

Regly

Careers

Referral Program

Contact Us

Legal

Privacy Policy

Terms of Use

© 2026 InnReg LLC

305-908-1160

LinkedIn Innreg
X InnReg

9100 S Dadeland Blvd
Suite 1500
Miami, Florida 33156

The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.