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Clifford Chance

Clifford Chance
Payments Technology<br />

Payments Technology

Working together to keep innovating financial services

The reliable and robust provision of payment services is essential to the functioning of the real economy. 

Our team is highly skilled and provides commercial, multi-disciplinary transactional, regulatory, and contentious advice to established and emerging players in the payments sector.

We have an extensive global team of payments experts with a range of expertise across M&A, data privacy, cyber security, financial regulation, the payment aspects of capital markets transactions (including digital bonds), tax, antitrust, intellectual property and litigation.

Our team is global in every sense, and we deliver the same high level of client work across APAC, the US, the Middle East, the UK and Continental Europe simultaneously.

About our experience

Advising a global e-commerce platform on structuring of embedded financing arrangements, including providing regulatory perimeter and licensing advice, payment services and consumer credit considerations

Creating an Arab Regional Payment System – an innovative system to facilitate payments between Arab member states.

Advising the consortium in APAC establishing a platform on the corporate establishment, joint venture arrangements, regulatory aspects (including engagement with MAS), technology licensing, compliance and antitrust aspects.

Advising a UK payment services firm in relation to a litigation involving allegations of breach of the Quincecare duty, which raises novel issues including if the duty applies to non banks.

Advising a global payments firm on the establishment and authorisation of a UK branch. We have been involved since the early planning stages of this project, including providing advice on the territorial scope of the UK regulatory regime for payment services, issuance of e-money, deposit-taking, lending and foreign exchange services.

Advising Swiss-based payment institution on the territorial scope of Luxembourg regulatory licensing requirements for the provision of payment services involving a Luxembourg e-money institution.

Advising a Dubai-based super app on a wide range of fintech matters in the Middle East to develop its financial services and payments platform.

Advising a government entity on a complex dispute with a payments platform provider. Dispute involves complex licensing issues and our in-depth technical knowledge is assisting the client in navigating various issues in relation to the platform.

Advising a leading global e-commerce company and payment services provider, in dealing with requests from public authorities (notably Luxembourg data protection and tax authorities.

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