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.

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."

Key contacts

Meet the team
William James

William James

Partner, Corporate
London, UK

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Fiona Ghosh

Fiona Ghosh

Partner, Commercial
United Kingdom

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