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Payments and Cards

The shift from e-commerce to mobile devices, Europe’s Digital Agenda, the changing needs of law enforcement agencies and threats to the security of networks, services and data, all create challenges and opportunities for the payments industry.

In this disruptive environment, clients need advice from experienced lawyers who can guide them through any legal hurdle. Fieldfisher provides unparalleled client support thanks to its distinguished focus on the TMT and financial services sectors. We have deep insight into the dynamics and complexities clients face - especially when it comes to the mission-critical use of technology in financial services. 

Our experts are specialists in matters at the frontiers of digital technology, providing effective support and comprehensive counsel when it's needed most.  

Notable deals and highlights

  • We advised a leading mobile operator on a series of m-payments projects, including its m-payments joint venture arrangements with other mobile network operators.
  • We advised a major international bank on the terms and conditions of use for its innovative m-payments service.
  • We acted for Starbucks on its arrangements to establish an authorised e-money issuer as part of its loyalty card, and subsequently on the UK implementation of European Directives on E-Money and Payment Services.
  • We advised Nintendo on the payments aspects of the launch of its UK online retail store.
  • We acted for a leading UK bank on a series of e-money programmes, including the launch of mobile banking systems on iPhone and an alliance agreement with Google.
  • We advised the Payments Council on competition and regulatory issues across a number of projects, including those associated with collaborative use and procurements of payments infrastructure and the Central Account Switching Service.
  • We advised Travelex in relation to dynamic currency conversion services across the Nordic countries, including advice on SEPA regulations relating to credit transfers and direct debits in Euros.
  • We acted for Stagecoach on its mobile ticketing collaboration with EE.
  • Germany's Tech & Finance team advised Finance Platform Vivid Money on the market launch of its mobile banking app. The team provides legal support for the Banking as a Service (BaaS) cooperation with Solaris Bank as well as other legal issues in connection with the Vivid Money offering.
  • A team from our German offices advised an open banking and data analytics platform regarding a cloud solution platform as well as a collaboration agreement with (other topics involve e-signatures, AML, video registrations). The same team also advised Epay/ Cadooz on privacy and corporate issues.

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