What’s Changing in 2026?
You may need FCA authorisation or to become an Appointed Representative (AR)
Product terms, communications and processes will face stricter standards
Non-compliance could lead to application rejections, fines, or product withdrawal from market
How We Can Help
With 15+ years’ experience helping firms bring regulated products to market, we provide end-to-end support to help you become BNPL-regulated:
BNPL Compliance Reviews
We review your product model and highlight compliance gaps
FCA Application Support
Expert drafting, submission and liaison with the FCA
Regulatory Pathway Guidance
Guidance on whether to apply directly or become an AR
Policy & Document Drafting
Everything you need to meet FCA standards
Section 21 Approvals
Unique permission for financial promotions sign-off
Sector-Specific Advice
Tailored to retailers, lenders, motor finance providers and more
Sector Expertise & FCA Authorisation
Retail
Adding BNPL at checkout? We'll help you stay compliant while offering flexible payment options, whether that's through a third-party provider, or an in-house credit solution.
Motor Finance
BNPL often overlaps with regulated credit or insurance. We'll help you structure offerings that balance commercial goals with compliance.
Technology Retail
Launching a new BNPL product or adapting an existing one? we'll give you thorough FCA approvals, risk governance and Consumer Duty requirements.
Why Work With Us?
- Trusted by 100+ UK firms across finance, retail and technology
- Over 15 years of regulatory experience
- Hands-on support, not just advice
Free Resource: BNPL Regulation 2026 Readiness Checklist
Download our practical guide covering:
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What documentation and approvals you’ll need
- How to start preparing now
Get BNPL-Ready With Expert Support
Don’t leave compliance to chance. Speak to our team and plan your BNPL authorisation today.
