Payment and fintech products require precise coordination between technology, regulations, and user responsibility. Mistakes in qualifying a service, designing payment process architecture, or regulatory communication can result in costly changes, scaling limitations, or regulatory intervention. We advise on designing payment services to ensure they are compliant from the outset while being ready for growth.
We work at the intersection of business models, products, and regulations. We organize requirements arising from payment law, open banking, and transaction security, translating them into terms and conditions, processes, contracts, and solutions that are practical and implementable. We support teams at market entry, regulatory changes, and product development stages — without losing control over risk and responsibility.
What We Help With in FinTech & Payment Regulations
Service Model and Regulatory Qualification
We determine whether the product falls under payment services, e-money, or open banking regulations and how to design the operational model and documentation.
Payment Law in Product Architecture
We help implement PSD2 requirements, SCA, and secure communication in transactional processes, API integrations, and exception handling.
Preparation for PSD3 / PSR
We analyze the impact of new regulations on processes, responsibility, and user relationships, and plan implementation changes.
Fraud, Chargeback, and Complaints
We design approaches to combat fraud, handle complaints, and fulfill reporting obligations in line with EBA guidelines.
Terms and Communication with Users
We create terms of use, fee policies, complaint procedures, and disclosure rules tailored to the product and user flow.
Contracts in the Payment Ecosystem
We negotiate contracts with PSPs, acquirers, gateway operators, and technology providers, organizing responsibility, SLAs, incidents, and audits.
Scope of Support
- Regulatory qualification
- Market entry and scaling
- PSD2 / open banking / SCA
- PSD3 / PSR – impact assessment and change roadmaps
- Terms and conditions, information, and documentation
- ICT security and risk management
- Fraud and chargeback – processes, reporting, and documentation
- Contracts in the payment and technology ecosystem
- Support in incidents, disputes, and responsibility
- Preparation for audits, controls, and due diligence
- Representation in court disputes
- Mediation and arbitration
Do you have a project in the FinTech or payment services sector?
Let’s discuss the best solution.
Managing partner, attorney at law
+48 531 871 707
Senior manager, attorney at law
+48 570 662 013