Referral Fee Structure

My one-time referral fee for this project is £18,000.

The payment terms are as follows:

£9,000 is payable upon signing of the Referral Agreement.
- Of this amount, 50% (£4,500) is refundable only if I am unable to introduce a successful solution provider within the agreed scope.
The remaining £9,000 becomes due and payable upon execution of a Master Services Agreement (MSA) between you and the referred Solution Provider.

Please note that fees and terms are subject to change; kindly inquire within for confirmation of current pricing prior to engagement.

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Partnership Opportunities with Licensed Payment Institutions

We maintain relationships with multiple Authorised Payment Institutions (APIs) and Electronic Money Institutions (EMIs) seeking qualified partners. These institutions want to expand their business through partnerships—provided partners meet their commercial and compliance standards.

Key Differences:

APIs are more flexible with partner onboarding and typically accept agency arrangements
EMIs are risk-averse and prefer white-label partnerships over agency models due to stricter FCA oversight requirements

Volume and risk profile ultimately determine partnership terms.

Two Partnership Models:

1. Agency Model: Operate under the principal's license as a registered agent. You keep your brand and manage customer relationships directly.

2. White-Label Model: White-label services are dependent and limited in scope as offered by the principal license holder.

Solution Provider Pricing:

In addition to our referral fee, the following charges are applicable:

EMI Agency: £12,000 onboarding (one-time fee) + £6,000/month
API Agency: £5,000 onboarding (one-time fee) + £2,000/month minimum*
Monthly minimum converts to transaction-based pricing as volume grows.

There is a wide range a flexibility available depending on the risk profile of the proposed business and volume.

As a result, transaction fees and FX differences will come down to individual negotiations.

However, we have a client that gives a fixed fee to its end customer published on their site and will share it with the white labelled partner on a 75%/25% arrangement (larger share going to the EMIA/API where they said 50% is just to cover their costs).

We have a few other EMI arrangements but those are more on a case-by-case basis.