Addleshaw Goddard has a team that is uniquely placed to advise on all legal issues surrounding payments.

Our specialist team of regulatory, commercial and transaction lawyers have a deep understanding of the payments value chain gained from practical and in-house experience. The team's knowledge covers all aspects of payments systems and the underlying infrastructure that supports and connects the value chain.

Why Payments?

Paying for things is something that almost everyone does every day and the mechanisms and means of payment are becoming more efficient and digital. The architecture, infrastructure and regulation of payments are coming under increasing scrutiny and strain as traditional payment institutions strive to make legacy systems cope with faster and more dynamic payment methods. These new methods are being shoe-horned into old regulation that in many cases is no longer fit for purpose.


We can assist any business (retail, bank or technology) that is interested in payments (digital or otherwise) at any level and at any point in the value chain.

  • Data protection
  • App. development
  • Security issues
  • Rewards / loyalty
  • Credit T&Cs
  • Loyalty schemes
  • Merchant agreements
  • Mobile wallets / payments
  • Processor arrangements
  • App. development security issues
Merchant acquirer / processor
  • BIN sponsorhip alliances
  • PSR / PSD application
  • Processor arrangements
  • Scheme relationships
  • Merchant agreements
  • Scheme rules compliance
  • Relationship with members
  • New ventures
  • Consumer credit regulation
  • eMoney and pre-paid cards
  • Mobile wallets / payments
  • Affinity arrangements
  • BIN sponsorship alliances

We have advised banks, merchant acquirers, card issuers, retailers, mobile network operators and many others on structuring and implementing various elements of their payments strategy.


The Chambers UK 2016 Directory ranks our team in the Top Tier. Feedback includes:

"Excellent - very strong. They have good payments knowledge, good practical experience, good turnaround times and offer value for money."

"They're very good at pragmatic, commercial advice."

William James is praised for his "genuine proactive interest in the payments space."

Chris Brennan is said to have got "personally involved in the detail and he understood the client's perspective. He was polite but tenacious in his dealing with the regulator."

Procuring payments infrastructure

We are uniquely placed to assist with the competitive procurements, with pre-eminent practices in both payments and procurement law.

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Financial Services at AG: Enabling you to succeed

As legal partner to hundreds of financial services businesses we understand just how complex the sector is and the importance of providing legal advice that is not only technically excellent but practical, commercial and effective.

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AG Elevate

AG Elevate is a fast-track 10 month programme for selected FinTechs designed to accelerate them through legal challenges that arise as they grow. Join us to get access to legal mentors, legal advice and networks that can help you elevate and grow your business.

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Key contact

Meet the team
William James

William James

Partner, Commercial
London, UK

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