Straight answers to the questions clients ask most

Yes. Many clients work with CapitaLogic Consulting on a retainer after the initial project, for regulatory updates, partner reviews and expansion into new markets.

Yes. All information you share with us is treated as strictly confidential. We are happy to sign a non-disclosure agreement before detailed discussions.

We schedule an initial consultation to understand your business, goals and current set-up. Then we outline the recommended approach and send you a proposal.

Every case is different, so we do not publish fixed prices. After an initial consultation and review of your situation, we prepare a tailored proposal with clear scope, deliverables and fees.

CapitaLogic Consulting designs structures with tax considerations in mind, but we work alongside your tax advisors, or recommend partners, for formal tax advice.

Yes. CapitaLogic team designs structures that investors can assess quickly and coordinate any regulatory approvals required for changes in ownership or control.

Banks must identify who owns and controls your business and understand where it really operates. Long ownership chains, nominee arrangements or entities without real substance make that harder and slow down onboarding.

Yes. CapitaLogic team helps you understand the findings, build a prioritised remediation plan and document progress in a way partners and supervisors can follow.

Not if it is designed correctly. A risk-based approach lets you onboard low-risk customers quickly and focus stronger checks where the risk is higher.

Many policies are generic and do not reflect how the business actually operates. Banks and acquirers notice this quickly. CapitaLogic reviews your framework against your real customers, products and risks and strengthen what does not hold up.

Yes. We prepare submissions and manage communication with the supervisor throughout the application, working closely with your management team.

It depends on the licence type, the jurisdiction and how prepared your business is. CapitaLogic Consulting provides a realistic timeline after the initial assessment.

It depends on what you do with customer funds and assets. If customers hold balances with you, an EMI licence is usually required. Transactional payment models can often operate under a PI licence. Crypto-asset services in the EU require a CASP licence under MiCA.

Not always. Depending on your model, you may be able to operate as an agent or distributor of a licensed partner, or through a Banking-as-a-Service provider. CapitaLogic helps you decide whether your own licence makes commercial sense now or later.

Yes. We help you stabilise operations, prepare a due diligence pack for alternative partners and identify what needs to change so the next relationship lasts.

CapitaLogic team helps you build the case for better terms: documented controls, clear refund and dispute processes and a stable processing record. Acquirers set their own terms, but a stronger risk profile gives you a better basis for negotiation.

Treat it as a priority. Increased information requests often precede a review of the relationship. We can help you prepare complete, well-evidenced responses and address the concerns behind them.

CapitaLogic Consulting prepares your business for bank and payment provider due diligence, help you identify partners suited to your model and support the onboarding process. The final decision always rests with the bank or provider, but a well-prepared application significantly improves your position.

No, we are a consulting firm. We do not hold client funds or provide banking services. Where legal opinions or tax advice are required, we work alongside your lawyers and tax advisors or recommend trusted partners.

CapitaLogic Consulting advises on EU and UK regimes and selected international jurisdictions. The right choice depends on your business model, target markets and banking needs, and we recommend it after reviewing your case.

Yes. High-risk verticals are a core part of our work. High-risk does not mean unbankable – it means your licences, controls and payment set-up must be built to withstand closer scrutiny from banks and acquirers.

Fintech start-ups, payment and e-money institutions, crypto-asset service providers, high-risk businesses such as iGaming, forex, dating and subscription services, and the product, technology and marketing companies that serve them. We also advise established financial firms and investors.