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What we do for our clients

We work with our clients at every stage of the payment processing cycle from card payment networks, credit card issuers, money remittance providers and merchant acquirers to payment facilitators, e-money providers, and mobile wallet, alternative payment method and other technology solutions. Our team is experienced in all aspects of payment processing and digital commerce across a wide range of areas and jurisdictions across the world.

Regulatory and compliance

Strategic relationships and joint ventures

Our transactional attorneys have negotiated all types of deals in the payments and digital commerce space, including:

  • merchant acquiring and other joint ventures
  • network participation agreements and other strategic agreements with card networks and other payment system providers
  • payment processing agreements
  • co-brand and affinity deals
  • technology and software licensing, outsourcing and services agreements
  • mobile commerce and other emerging or alternative payment method deals
  • marketing, referral and revenue sharing agreements
  • payment facilitator and ISV arrangements
  • correspondent and agency banking arrangements
  • merchant agreements

Key themes impacting our clients in this space include cybersecurity, biometrics, digitization, artificial intelligence and operational resilience, and these play an important part in the partnerships which we are helping to build.

Mergers and acquisitions (M&A)

We have a specialist Financial Services M&A team that has a particular focus on payments businesses.

We work with clients globally on acquisitions, disposals, investments, joint ventures and fundraisings involving payments businesses.

M&A in this fast moving and highly regulated sector is often the quickest way of adding new capabilities and breaking into new geographies. Our team can support you in successfully delivering these strategic imperatives, whilst helping to manage the inherent risks. We know the key issues and help you address them.

Product development

Data privacy and commercial data strategy

Competition Advisory, Enforcement and Litigation

Technology, cyber and operational resilience

Our team can help you with a variety of commercial arrangements including:

  • payment processing agreements, marketing and referral agreements, and other commercial agreements
  • network participation agreements and other strategic relationships with card networks and other payment and settlement system providers
  • affinity agreements and co-brand deals
  • technology and software licensing, outsourcing, and services agreements related to mobile wallets and other technology-driven payments and commerce solutions
  • merchant acquiring relationships and merchant agreements
  • correspondent and agency banking arrangements

Intellectual property

Intellectual property often represents one of the most important areas for a payments or digital commerce business. We know the patent landscape in the payments arena, enabling us to spot potential issues before detailed patent searches are run.

Our IP lawyers can help you with patent prosecution and patent portfolio management, patent searches and other IP due diligence, infringement issues unique to payments, digital commerce and the Internet, trademark and branding strategies and portfolio management, domain name acquisitions and web 2.0 policies.

Litigation

When things go wrong in the payments sector, our team of experienced litigators can help you resolve your disputes quickly and effectively, achieving your commercial goals while remaining in control of the process and costs.

Whether your dispute relates to arrangements with customers, the card networks, strategic partners or service providers, the payments specialist in our Financial Services Disputes and Investigations groups will have the technical expertise and market insight to fully support you through the process.

Financial crime

Fraud can destroy trust between companies and individuals, throw carefully laid plans into chaos and undermine a payment services provider’s collective identity, culture and values.

Our Fraud and Investigations team acts for corporate entities and individual board members in the payment services sector.

We have particular expertise in this sector and we regularly advise payment services providers of all types on financial crime and fraud related issues and investigations. The breadth and depth of our practice is best demonstrated when advising clients with concurrent criminal, regulatory and civil fraud issues.