FCA-Regulated Payment Infrastructure

Stop Stitching Together Payment Infrastructure

Acquiring, issuing, settlement rails, onboarding and compliance — one regulated provider instead of six vendor contracts, three licence applications and eighteen months of integration work.

Talk to Our Team See the Problem We Solve
The Problem

Building a payment stack is broken

Most companies trying to offer payment services spend more time integrating vendors and chasing licences than building their actual product.

Fragmented Infrastructure

Acquiring from one provider. Issuing from another. Settlement via a third. FX from a fourth. Each with its own API, contract, compliance requirements and support team. You become the integration layer.

Regulatory Overhead

FCA authorisation takes 12–18 months. EMI applications longer. Meanwhile you need KYC/KYB flows, AML screening, transaction monitoring, SAR filing and ongoing compliance reporting — all before your first transaction.

Slow Time to Market

By the time you have integrated your payment stack, onboarded your first merchants and gone live with compliance, your competitors have already shipped. The market does not wait for your vendor contracts to close.

Market Context

Good at one thing. Gaps everywhere else.

The big platforms each solve part of the problem. None of them solve the whole thing.

What exists today

  • × Stripe & Adyen do acquiring — but not issuing, BIN sponsorship or settlement rails you control
  • × Modulr & Banking Circle do accounts & payments — but no card acquiring or issuing capability
  • × Marqeta & Thredd do card issuing — but no acquiring, no payment rails, no FX
  • × Compliance platforms do KYC & AML — but are disconnected from your payment flows
  • × Core banking platforms provide ledgers — but no regulated rails, no merchant onboarding

What Currency Clear delivers

  • ✓ Card acquiring, issuing and BIN sponsorship from one regulated entity
  • ✓ SWIFT, SEPA, ACH and local payment rails through a single integration
  • ✓ Full merchant onboarding with automated KYC/KYB via Plato KYX decision flows
  • ✓ AML screening, transaction monitoring and compliance reporting built in
  • ✓ BIAN-aligned core banking with multi-currency ledgers and real-time settlement
  • ✓ FCA-regulated — operate under our licence while you build your product
The Solution

One regulated provider. Complete payment infrastructure.

Currency Clear combines acquiring, issuing, settlement rails, merchant onboarding, compliance automation and core banking into a single regulated platform. Integrate once, launch in weeks, scale without switching providers.

1
Integration to go live
30+
Currencies supported
T+0
Settlement capability
FCA
Regulated & SWIFT member
Platform Modules

Eight pillars. One platform.

Every module works standalone or together. Use what you need today, activate the rest when you are ready.

Acquire

Card Acquiring

Visa, Mastercard and international schemes. PCI-compliant processing, multi-currency settlement, chargeback management and real-time reporting.

Issue

Card Issuing & BIN Sponsorship

Physical and virtual cards. Prepaid, debit and corporate programmes with real-time controls, multi-currency wallets and your own BIN ranges.

Rails

Payment Rails

SWIFT, SEPA, ACH and local rails via a single API. Send and receive across G10 corridors with full fee transparency and real-time settlement.

FX

FX & Multi-Currency

Institutional FX rates with same-day settlement. Named multi-currency accounts with unique IBANs for collecting, holding and paying out in 30+ currencies.

Onboard

Merchant Onboarding

End-to-end digital onboarding. Application intake, document collection, automated KYC/KYB, risk scoring, compliance review and approval — all in one workflow.

Comply

KYX & Compliance

Powered by Plato KYX decision flows. Automated identity verification, document checks, AML screening, PEP/sanctions lists, adverse media, UBO resolution and ongoing monitoring.

Core Banking

Ledger & Settlement

BIAN-aligned core banking. Multi-currency general ledger, real-time posting, automated reconciliation, T+0 settlement and event-driven architecture.

Monitor

Risk & Monitoring

Transaction monitoring, velocity checks, fraud scoring, web forensics, chargeback tracking and SAR filing. Continuous compliance from onboarding through every transaction.

Onboarding & Compliance

Full onboarding. Automated compliance. One flow.

From application to live merchant in days, not months. Our onboarding platform handles every step — powered by Plato KYX decision flows for automated verification and risk decisioning.

1

Application

Digital intake form. Company details, directors, UBOs, processing volumes, MCC.

2

KYC / KYB

Automated identity verification, document checks, corporate registry lookups via Plato KYX.

3

Risk & AML

PEP & sanctions screening, adverse media, UBO resolution, risk scoring and web forensics.

4

Underwriting

Automated decisioning with manual review escalation. Pricing, limits, reserves configured.

5

Go Live

Merchant account activated. API keys issued. Settlement configured. Processing starts.

Plato KYX Decision Flows

Configurable decision flows that automate KYC/KYB verification, risk scoring and compliance checks. Rules-based routing sends applications through the right verification path based on risk tier, jurisdiction and business type.

Document Intelligence

Automated document collection, classification and extraction. Certificate of incorporation, proof of address, director ID, bank statements and processing history — validated and stored with full audit trail.

Ongoing Monitoring

Onboarding is not the end. Continuous AML screening, periodic KYC refresh, transaction monitoring, chargeback ratio tracking and web forensics keep your merchants compliant through the lifecycle.

How It Works

From first call to live in weeks

We handle the regulatory complexity so you can focus on building your product.

1

Scope

We map your payment flows, volumes and corridors. You tell us what you need — acquiring, issuing, rails, onboarding, or everything.

2

Onboard

KYB, compliance and due diligence handled by our team and automated via Plato KYX. Merchant accounts, BIN ranges and settlement configs provisioned.

3

Integrate

Connect via REST APIs or hosted checkout. Sandbox environment for testing, dedicated integration support until go-live.

4

Scale

Go live and grow. Add corridors, card programmes and currencies as your business scales. We grow the infrastructure with you.

Impact

What changes when you stop building infrastructure

Companies that switch to Currency Clear stop managing vendor sprawl and start shipping product.

12–18 months

Licence timeline eliminated

Operate under our FCA registration. No need to apply for your own PI, EMI or AEMI licence to start processing.

3–5 vendors

Replaced by one integration

Acquiring, issuing, rails, FX, compliance and onboarding from a single provider. One contract, one API, one support team.

Days, not months

Merchant onboarding time

Automated KYC/KYB via Plato KYX, digital document collection and rules-based decisioning. From application to live processing in days.

Who We Serve

Built for businesses that move money

Our infrastructure is designed for companies that need regulated payment rails without the cost and time of building their own.

Fintechs & Neobanks

Launch card programmes, payment accounts and remittance products under our regulatory umbrella. Skip the 18-month licence application and go to market now.

PSPs & Payment Facilitators

Plug into our acquiring and settlement infrastructure. Multi-currency merchant onboarding, split settlements and real-time payouts for your sub-merchants.

MTOs & Remittance Companies

Access SWIFT, SEPA and local rails through a single API. White-label our platform or integrate our corridors into your existing remittance product.

Marketplaces & Platforms

Embed payments into your platform. Collect from buyers, hold in escrow, split and pay out to sellers — all through our regulated accounts.

SaaS & Vertical Software

Add payments as a feature. Issue cards to your users, collect subscription payments, and offer embedded financial services without becoming regulated yourself.

Banks & Financial Institutions

Modernise legacy payment infrastructure. Our core banking and rules engine integrate alongside existing systems for card issuing, FX and cross-border capabilities.

Our Ecosystem

A connected platform, not a point solution

Currency Clear operates within a connected ecosystem of payment, acquiring and settlement platforms — each purpose-built for a specific part of the payments value chain.

WireSettle - White-Label Remittance Platform

WireSettle

White-label remittance platform for licensed MTOs. Collect, route, and pay out across G10 corridors with enterprise-grade compliance.

Learn more →
eMerchantly - Global Merchant Acquiring

eMerchantly

Global merchant acquiring and payment processing. End-to-end onboarding, risk management and multi-currency settlement for international merchants.

Learn more →
PaymentsEdge - Compliance & Risk Platform

PaymentsEdge

Compliance, risk and underwriting platform. AML screening, merchant due diligence, and ongoing monitoring for regulated entities.

Learn more →
Settle.Cloud - Real-Time Settlement

Settle.Cloud

Real-time settlement platform with ISO 20022 compliance. Streamlined financial transactions through standardised settlement protocols.

Learn more →
W3G8 - Composable Core Banking

W3G8

Composable core banking platform. Payments, ledgers, settlement, FX and compliance across SWIFT, SEPA, ACH and local rails.

Learn more →
W3 Cards - Card Issuing Platform

W3 Cards

Card issuing platform. Virtual and physical card programmes with real-time controls, multi-currency wallets and BIN sponsorship.

Learn more →
Get Started

Stop building payment infrastructure. Start shipping product.

Whether you need card acquiring, issuing, BIN sponsorship, merchant onboarding or cross-border rails — we provide the regulated infrastructure and compliance automation so you can focus on your product.

Talk to Our Team Learn About Us