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Home / Services / Regulatory & Compliance / FCA SPI & API Authorisation
Regulatory & Compliance

FCA SPI & API Authorisation Support

Structured support through the FCA authorisation process for payment institutions.

Structured support through the FCA authorisation process for payment institutions.

Who This Is For

Businesses seeking Small Payment Institution (SPI) or Authorised Payment Institution (API) status with the FCA.

What This Service Covers

  • Application readiness assessment
  • Business plan and financial projections support
  • Safeguarding and governance documentation
  • AML/CFT policy preparation for submission
  • Liaison and correspondence with the FCA during review

Why It Matters

FCA authorisation applications are assessed in detail, and incomplete or inconsistent submissions typically lead to delays or requests for further information.

How ZEM Global Helps

We help structure and prepare your application — business plan, governance arrangements, safeguarding and AML documentation — and support you through FCA correspondence during the review.

What You Receive

  • Application readiness report
  • Draft business plan and financial projections
  • Governance and safeguarding documentation
  • AML/CFT policy pack for submission
Common Questions

Frequently Asked Questions

How long does FCA authorisation typically take?
Timelines vary by application type and completeness, and are set by the FCA, not by us. We focus on submitting the most complete application possible to avoid avoidable delay.
What is the difference between SPI and API status?
Broadly, API firms can passport across the EEA and face additional capital and governance requirements; SPI is a lighter-touch UK-only registration. We can help assess which fits your business.
Can you guarantee our application will be approved?
No — approval is entirely the FCA's decision. We prepare and support the strongest possible submission.
Ready to Get Started?

Talk to Us About FCA SPI & API Authorisation

Book a consultation and we will walk you through exactly how fca spi & api authorisation works for a business like yours.

Book an Appointment → WhatsApp Our Team
✉️
Email
info@zemglobal.co.uk
 📞
Call / WhatsApp
+44 7415 031245
📍
Office
East Ham, London E6 2JA

ZEM Global Consultants Ltd provides advisory and preparation support. Regulatory approval, bank account opening, and any third-party decision remain subject to the relevant authority, bank, or institution. ZEM Global Consultants Ltd is not a law firm.

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