Payment institutions
For years we have successfully supported payment institutions with legal and business advisory.
how can we help you?
IP assumption
We have many years of experience in conducting licensing proceedings for both small and domestic payment institutions. We will comprehensively prepare documentation, develop the necessary procedures and guide you through the entire process at the Polish Financial Supervision Authority.
Find out moreMIP / KIP
Pokażemy Ci, która ścieżka licencyjna będzie najlepsza na obecnym etapie rozwoju Twojego biznesu i jak bezpiecznie zaplanować kolejne kroki.
Find out moreConvert MIP to KIP
The transition from a small to a national payment institution is a complex process that requires careful preparation. We provide comprehensive support in this process - from readiness analysis, through preparation of documentation, to representation before the Polish Financial Supervision Authority.
Find out moreDORA
The DORA regulation introduces demanding digital resilience standards for financial institutions. We offer proven, cost-effective implementation solutions, tailored to the scale of your business.
Find out moreAML
Effective anti-money laundering is a key element of the activities of every payment institution. We create and implement AML procedures tailored to the risk profile of your organization.
Find out moreTraining
Regular employee training is not only a legal obligation, but also the foundation of the security of your institution. We offer both dedicated stationary training and a modern e-learning platform.
Find out moreLegal support
Changing regulations, contracts, regulations, correspondence with supervisory authorities - instead of dealing with all this, focus on the development of your business. We offer ongoing legal support in a subscription model.
Find out moreAudits / Compliance DD
Regular audits are not only a regulatory requirement, but also protection against potential sanctions. We will conduct a comprehensive verification of your payment institution's compliance with current requirements.
Find out moreBusiness advisory
We help you maximize the potential of your payment license. We support you in designing innovative services, creating hybrid products and establishing strategic business partnerships.
Find out moreSmall Payment Institution
Meet specialists who have been successfully helping to obtain the status of a Small Payment Institution and providing support to entities from the fintech industry for years.
Tomasz Klecor
Managing Partner
FinTech navigator. Lawyer.
Paweł Geremek
Attorney-at-law
ISO 27001 Auditor
marki fintech, z którymi pracowaliśmy
ongoing legal support
Changing regulations, contracts, regulations, correspondence with supervisory authorities - instead of dealing with all this, focus on the development of your business. We offer ongoing legal support in a subscription model, providing your payment institution with comprehensive legal and regulatory services on a daily basis.
Monitoring regulations
We provide ongoing monitoring of regulatory changes regarding the payment market and payment institutions. We inform you in advance about upcoming changes and help you prepare to adapt your business to the new requirements.
Preparing documentation
We develop and update contracts, regulations, policies and procedures in accordance with the current legal status and best market practices. We make sure your documentation complies with regulations and protects your business interests.
Handling relations with the Polish Financial Supervision Authority
We prepare responses to inquiries and requests from the Polish Financial Supervision Authority. We support the reporting process and represent the payment institution during inspections and administrative proceedings.
Contract negotiations
We support in negotiations with business partners, banks, agents and other entities. We make sure to protect your interests in contracts, while maintaining a pragmatic business approach.
Ongoing consultations
We provide access to financial market law specialists who will answer your questions, clarify doubts and help you make business decisions, taking into account legal and regulatory aspects.
Legal risk management
We identify potential legal and regulatory risks in the activities of your payment institution and propose solutions to minimize these risks, ensuring safe business development.
Small Payment Institution
We have many years of experience in conducting licensing proceedings for both small and domestic payment institutions. We will comprehensively prepare documentation, develop the necessary procedures and guide you through the entire process at the Polish Financial Supervision Authority, enabling your company to start faster in the world of payment business.
Comprehensive documentation
We will prepare all required documents, including a business plan, procedures, policies and regulations in accordance with current regulatory requirements. Our experience allows us to create documentation that meets the highest standards of the Polish Financial Supervision Authority.
Support in the process
We provide comprehensive support throughout the entire licensing process - from preparing the application, through communication with the regulator, to obtaining the license. We will also help you prepare for meetings with representatives of the Polish Financial Supervision Authority.
Process optimization
We audit planned business processes and help optimize them for compliance with regulatory requirements while maintaining their operational efficiency.
Systems security
We advise on technical and organizational security so that your systems meet the security requirements of payment institutions, including DORA and PSD2 requirements.
Personnel verification
We help in preparing documentation related to the assessment of the competences of the management board and key personnel by the Polish Financial Supervision Authority, which is one of the important elements of the licensing process.
Development strategy
We support you in developing a real payment business development strategy, which will not only be part of the licensing documentation, but also a practical guide to the first months of operation.
MIP / KIP
Dobór właściwej licencji to pierwszy krok do stabilnego i skalowalnego biznesu płatniczego. Sprawdź, która ścieżka odpowiada Twojemu modelowi działalności.
About SPI
Dla firm, które rozpoczynają działalność płatniczą i chcą wejść na rynek szybko, z ograniczonym zakresem usług i niższym progiem wejścia.
Przejdź do strony MIPKIP
Dla podmiotów planujących większą skalę działalności, szerszy zakres usług i rozwój bez limitów charakterystycznych dla modelu MIP.
Przejdź do strony KIPMIP to KIP conversion
The transition from a small to a national payment institution is a complex process that requires careful preparation. We provide comprehensive support in this process - from readiness analysis, through preparation of documentation, adjustment of procedures and systems, to representation before the Polish Financial Supervision Authority. We help you carry out this transformation efficiently and to the benefit of your business.
Readiness analysis
We conduct a comprehensive analysis of your company's readiness to move to a higher licensing level. We evaluate existing resources, procedures, systems and organizational structure, identifying areas that require adaptation to KIP requirements.
Transformation strategy
We develop a detailed transformation strategy, taking into account schedule, resources and budget. We help you plan the process in a way that will minimize disruptions to current operations and optimize the costs of the entire project.
Preparation of documentation
We comprehensively prepare the documentation required in the licensing process, including a business plan, internal procedures, description of IT processes and systems, risk management policy and organizational structure.
Capital requirements
We advise on meeting capital requirements for KIP, including the structure and sources of capital. We help identify and implement appropriate solutions in the field of financial security and capital management policy.
Process adaptation
We support you in adapting business and operational processes to a larger scale of operations and higher regulatory requirements. We design new solutions or improve existing ones, in accordance with the best practices of the sector.
IT systems
We provide support in adapting IT systems to increased security and scalability requirements. We help identify technology solutions that will ensure regulatory compliance and effectively support larger-scale operations.
Human resources
We help build an appropriate organizational structure and team that meets the requirements of the Polish Financial Supervision Authority in terms of competence and experience. We support the recruitment of key specialists and preparation for the assessment of the qualifications of the management board and key staff.
Representation before the Polish Financial Supervision Authority
We provide professional representation in contacts with the Polish Financial Supervision Authority. We prepare for meetings, help in responding to inquiries and requests, and also support during licensing proceedings.
Relationships with partners
We advise on relationships with business partners (banks, agents, suppliers) during the transformation period. We help renegotiate contracts and establish new business relationships suitable for a national payment institution.
Conversion from MIP to KIP opens up new business opportunities, allowing you to operate without transaction limits and in a wider territorial scope. Thanks to our support, this process becomes more predictable and you can focus on growing your business instead of regulatory challenges.
Business advisory
We help you maximize the potential of your payment license. We support you in designing innovative services, creating hybrid products and establishing strategic business partnerships. Thanks to our experience, you will optimize processes and increase the competitiveness of your institution on the market.
Payment service design
We help you design and implement innovative payment services that will distinguish your company on the market. We combine practical knowledge of regulatory requirements with a business approach, creating unique solutions.
Creating hybrid products
We combine payment services with other financial products, creating end-to-end solutions that increase value for customers and generate additional revenue streams for your payment institution.
Strategic partnerships
We help you find and establish cooperation with appropriate business partners - banks, payment institutions, technology providers who will help you expand the range of your payment services.
Process optimization
We analyze and optimize your business processes to make them more effective, secure and user-friendly. We implement the best practices from the market, tailored to the specificity of your payment business.
Development planning
We support you in planning a long-term development strategy, including preparation for expanding the scope of payment services provided or entering new markets. We help you plan a growth path that takes into account the changing regulatory environment.
Competition analysis
We provide a detailed analysis of competition on the payment services market, identifying market niches and potential competitive advantages for your payment institution, as well as indicating trends and directions of market development.
Training
Regular employee training is not only a legal obligation, but also the foundation of the security of your institution. We offer both dedicated stationary training and a modern e-learning platform, ensuring cost-effective fulfillment of training obligations in the field of AML, DORA and other compliance areas.
Training
We organize dedicated training courses conducted by expert practitioners, tailored to the specificity of your payment institution and the needs of various groups of employees.
- Individual adjustment of the program to the nature of activities and processes in your organization
- Practical workshops and case studies based on real situations
- Possibility of consulting individual challenges with experts during training
- Comprehensive training materials for use in everyday work
E-learning platform
We provide access to a modern e-learning platform with courses covering all key compliance areas for payment institutions.
- 24/7 access from any device allowing for flexible training planning
- Automatic progress tracking and certification of training completion
- Regular content updates in line with changing regulations
- Interactive tests verifying understanding of the material
- Reporting on the implementation of training obligations for supervisory purposes
AML/CFT training
Comprehensive training in the field of counteracting money laundering and terrorism financing, including the identification of suspicious transactions, KYC procedures, reporting to the GIFI and the obligations of the obligated institution.
DORA training and audits
Operational resilience and cybersecurity training in accordance with the requirements of the DORA regulation, preparing employees to recognize and respond to digital threats.
GDPR training and audits
Training on the protection of personal data in the context of the activities of a payment institution, combining GDPR requirements with sector regulations and obligations arising from the handling of payment transactions.
Training for management
Specialized training for board members and management staff, focusing on personal responsibility, strategic risk management and decision-making in compliance with regulatory requirements.
Certified training
We provide certified training recognized by supervisory authorities as confirmation of competence in key compliance areas, which is particularly important for people performing the functions of AML Officer or CISO.
Training and audits
For institutions operating cross-border, we offer training that takes into account the requirements of various jurisdictions and regulators, available in many languages and adapted to international standards.
Our training solutions will help your payment institution not only meet formal requirements, but above all, build an authentic culture of compliance and security. Thanks to this, you not only gain compliance with regulations, but also better protection against risk and greater trust of customers and business partners.
Compliance / Audits
Regular audits are not only a regulatory requirement, but also protection against potential sanctions. We will conduct a comprehensive verification of your payment institution's compliance with current requirements, identify areas requiring improvement and support the implementation of recommended changes, including an annual evaluation of procedures.
Comprehensive compliance review
We conduct a detailed analysis of all aspects of your payment institution's operations in terms of compliance with current regulatory requirements, identifying potential risks and gaps.
Identification of compliance gaps
We precisely identify areas where your institution may not meet legal requirements, assessing the level of regulatory risk and the potential consequences of each identified gap.
Assessment of the effectiveness of procedures
We verify not only the existence of the required procedures, but also their actual effectiveness in business practice. We check whether the procedures are properly implemented and used by employees.
Annual evaluation of procedures
We fulfill the obligation required by law to annually assess AML procedures, including assessing the risk of money laundering and the effectiveness of the implemented control mechanisms, documenting the process in accordance with the requirements.
Detailed report and recommendations
We provide a comprehensive report containing all audit findings and detailed, practical recommendations for corrective actions along with their implementation plan and prioritization.
Support in implementing changes
We do not leave you alone with the report - we actively support the implementation of recommended improvements, helping to develop or update procedures, documentation and systems.
Preparation for inspection
We prepare your institution for inspection by supervisory authorities by conducting inspection simulations, verification audits and providing assistance during actual regulatory inspections.
Compliance Due Diligence
We conduct detailed due diligence in the compliance area, which is invaluable in M&A transactions, strategic partnerships or when entering new business areas.
Process optimization
In addition to ensuring compliance, we also indicate opportunities to optimize compliance processes to make them more effective and less burdensome for business, while maintaining full compliance with regulations.
Thanks to our audits, you will not only avoid potential sanctions, but also optimize your compliance processes, saving time and resources. A regular audit is an investment in the security and stability of your payment institution.
DORA
The DORA regulation introduces demanding digital resilience standards for financial institutions. We offer proven, cost-effective implementation solutions, tailored to the scale of your business. We ensure regulatory compliance without excessive operational burdens on your business.
Comprehensive assessment
We conduct a comprehensive assessment of the current state of digital resilience of your payment institution. We identify gaps and areas that require adaptation to DORA requirements, taking into account the specific nature of your business.
Implementation strategy
We develop a practical DORA implementation strategy tailored to the scale of your business. We take into account both regulatory requirements and the real operational and budgetary possibilities of your payment institution.
Effective solutions
We design and implement cost-effective solutions that increase digital resilience. We use proven tools and methods that ensure compliance with DORA without unnecessary organizational burdens.
Documentation and procedures
We prepare complete documentation and procedures required by DORA - IT risk management policies, business continuity plans, incident management procedures. We ensure that the documentation is practical and useful.
Training for teams and management
We train your team in the new requirements and procedures resulting from DORA. We ensure that employees understand their roles and responsibilities in ensuring the digital resilience of the payment institution.
Immunity tests
We support in preparing and conducting operational immunity tests required by DORA. We help you design realistic test scenarios, analyze the results and implement the necessary improvements.
Thanks to our pragmatic approach, you will meet DORA requirements without unnecessary organizational and financial burdens. We will ensure that your payment institution is digitally secure and compliant, while maintaining operational flexibility.
AML
Effective anti-money laundering is a key element of the activities of every payment institution. We create and implement AML procedures tailored to the risk profile of your organization, provide the necessary training and help build an effective transaction monitoring system in line with the latest legal requirements.
AML procedures
We develop comprehensive AML/CFT procedures tailored to the risk profile of your payment institution. Our procedures are consistent with current regulatory requirements, and at the same time practical and possible to implement effectively.
Advanced KYC systems
We design and implement effective customer identification and verification (KYC) systems that meet stringent legal requirements, without negative impact on user experience and operational efficiency.
Transaction monitoring
We help build an effective transaction monitoring system, based on risk analysis, which automatically identifies suspicious operations and generates alerts that require verification by the compliance team.
AML risk assessment
We conduct a comprehensive AML risk assessment, which is the basis for creating effective procedures and systems. We regularly update the risk assessment to take into account changing circumstances and new threats.
Technological solutions
We advise on the selection and implementation of modern technological tools supporting AML processes - from screening systems, through databases, to advanced solutions based on machine learning.
Training and audits
We conduct dedicated AML training for various groups of employees - from basic training for all staff, to specialized training for compliance teams and AML officers. We adapt the training content to the specificity of your institution.
Documentation and procedures
We ensure regular updates of AML procedures and systems in response to changes in regulations, new trends in financial crime and the changing activities of your payment institution.
Support in incidents and breaches
We provide comprehensive support in the event of inspections by supervisory authorities - we help in preparing documentation, answering inspectors' inquiries and implementing any post-inspection recommendations.
Reporting to the GIFI
We help develop and implement effective reporting procedures to the General Inspector of Financial Information, including reporting suspicious and above-threshold transactions, and we provide support in communication with the GIFI.
compliance/AML officer support
We provide expert support for your internal compliance and AML teams. We help solve complex cases, verify decisions in KYC processes, prepare reports to supervisory authorities and implement new regulatory requirements. Your specialists gain additional knowledge and more time for strategic activities.
Ongoing expert consultations
We provide constant access to consultations with financial market law experts who will answer the questions of your compliance and AML officers, help in interpreting regulations and making key decisions.
Analysis of complex cases
We support in solving complex cases related to anti-money laundering, analysis of suspicious transactions and risk assessment of high-risk clients, providing detailed recommendations.
Reporting support
We assist in the preparation and verification of reports to supervisory authorities, including reports to the GIFI, periodic reports for the Polish Financial Supervision Authority and the National Bank of Poland, and explanations in response to regulators' inquiries.
Implementation of regulations
We support your officers in the effective implementation of new regulatory requirements, explaining the practical implications of changes in regulations and helping to adapt internal procedures and systems.
Verification of KYC processes
We provide a second opinion on difficult KYC/AML decisions, particularly for high-risk clients, helping you balance regulatory requirements with business needs.
Development of risk assessment methodology
We help develop and update risk assessment methodologies for clients and products, taking into account the latest regulatory trends and best market practices in the AML/CFT area.
Process optimization
We advise on the design and optimization of internal compliance processes to increase their effectiveness and reduce administrative burden while maintaining full compliance with legal requirements.
Selection of technological tools
We advise on the selection and implementation of technological tools supporting compliance and AML processes, taking into account the specific nature of your payment institution and its scale of operations.
Development of team competences
We provide specialized training and workshops for your compliance and AML officers, helping them develop their competences and stay up to date with the latest regulatory trends.
Cooperation with us allows you to reduce the burden on your company's internal resources, while providing access to specialist knowledge and experience. Thanks to this, your team can focus on the strategic aspects of their work, knowing that daily compliance challenges are professionally managed.