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Fintech & Payment Institution Licensing
Chern & Co helps fintech and payment service providers obtain authorisation from the Central Bank of Ireland (CBI). We prepare documentation, liaise with the regulator and ensure full compliance with EU requirements.
- CBI licensing for Payment & E-Money Institutions
- Complete application & compliance support
- AML/KYC and governance framework setup
- Post-authorisation reporting guidance
WHY CHOOSE OUR LICENSING EXPERTS?
Regulatory Expertise
Our team works with experienced legal and compliance partners specialising in Central Bank of Ireland authorisations for payment and fintech firms.
End-to-End Support
From pre-application planning and business model review to regulator communication and post-approval compliance — we manage the full process for you.
Transparent & Compliant
All documentation, governance structures and AML/KYC frameworks are aligned with EU and Irish regulations to ensure smooth authorisation.
Trusted Partnership
We collaborate with CBI-approved professionals and deliver tailored licensing solutions backed by clear, indicative pricing and consistent communication.
What’s included?
- Pre-Application Assessment: Review of your business model, services, and eligibility under EU PSD2 regulations.
- Documentation & Policies: Preparation of Key Facts Document, business plan, AML/KYC, and safeguarding procedures.
- Regulator Engagement: Communication with the Central Bank of Ireland (CBI) during all authorisation stages.
- Corporate Setup: Guidance on Irish company formation, governance structure, and director requirements.
- Post-Authorisation Support: Ongoing compliance, reporting, and regulator liaison after licence approval.
REGULATORY LICENSING SERVICES FOR PAYMENT INSTITUTIONS
Pre-Application Assessment
- Evaluation of your business model, target markets, and regulatory fit under PSD2.
- Determination of the correct licence type — Payment Institution, E-Money or Hybrid model.
- Initial capital and substance requirement review for Central Bank of Ireland readiness.
Documentation & CBI Application
- Preparation of Key Facts Document, business plan, and financial projections.
- Drafting of AML/KYC policies, risk management and safeguarding procedures.
- Compilation and submission of a complete authorisation pack to the Central Bank of Ireland.
Regulatory Liaison & Authorisation
- Direct communication with the assigned CBI case manager during the assessment phase.
- Handling of queries, document revisions, and coordination of responses to regulator feedback.
- Support through the “Minded to Authorise” stage until licence approval is granted.
Post-Authorisation Compliance
- Implementation of internal controls and ongoing reporting procedures after licensing.
- Advisory on AML/CTF obligations, governance reviews, and regulatory audits.
- Continuous support to maintain compliance with CBI requirements and EU directives.
ADVANTAGES OF CBI AUTHORISATION FOR FINTECH COMPANIES
Obtaining your fintech or payment institution licence in Ireland provides access to the EU market, regulatory credibility, and long-term operational stability under a trusted framework.
- Gain full European market access through EU passporting rights once authorised by the Central Bank of Ireland (CBI).
- Build investor confidence with a respected Irish licence and transparent regulatory oversight.
- Operate within a stable, English-speaking EU jurisdiction known for professionalism, legal certainty, and low corporate tax rates.
- Accelerate approval with expert guidance, proven documentation, and consistent communication with the CBI.
- Maintain compliance and credibility post-authorisation through ongoing governance and AML/KYC support.
Have Any Questions?
Leave a request for a more detailed consultation! Our managers will contact you as soon as possible
See what our clients say:
Dennis Hoffmann
Ad.run
“Outstanding service!
Extremely professional, fast and friendly.
Would recommend them at any time!”
Max Malloy
Photography
“Outstanding service!
“Excellent service, very fast and responsible team, highly recommended! Registered my company just in few days with no problems”
Danil Sonin
Amazon Seller
“Great service. Recommending.
I met Alex at a conference.
I am fully satisfied with our cooperation”
Hichem North
Entrepreneur, Surfer
“This company is one of the best in the EU. They know what they are doing and they communicate with you effectively so that they understand your needs”