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    Locke Lord's Cards and Payments team leads clients with niche payment solutions through the financial regulatory maze giving clear consistent advice. Clients may be new to the payment services sector, seek counsel on product or business developments or want to ensure their contractual structures protect their business from the outset and as their business evolves.

    With over 40 years sectorial experience the team is recognized by top industry organizations and publications (Band 1 recognition in Chambers UK for Financial Services: Payments Law) and Legal 500 (Corporate and commercial - Financial services - Financial services (non-contentious/regulatory)). The Cards and Payments team Head co-founded the Prepaid International Forum (PIF), a not-for-profit international trade organization that provides an industry voice for the prepaid sector.

    The team has strong industry contacts, works with major financial institutions, technology providers, payment institutions, e-money issuers, programme managers and resellers around the world. They work closely with financial regulators and industry bodies throughout Europe, Asia and Africa to help them understand the payment sector better.

    The team liaises with regulators, draft and review B2B/ B2C agreements, advises on product structure and business strategy and runs workshops.

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