Payments introductions and advisory, UK-based

Find the right payment partner, and get onboarded properly.

Fintechs, platforms and merchants come to us for accounts, IBANs, cards, acquiring and cross-border payouts. We introduce you to a licensed provider that fits your business and stay with you through their onboarding.

Introductions to licensed providersOnboarding supportNo charge to you for an introduction
Corridor plan (illustrative)
London New YorkDublinAmsterdamFrankfurtZurichLisbonDubai N
RailsCards, SEPA, SWIFT
AccountsMulti-currency
StatusMapped
20+ yearsin payments and fintech
4 regionsUK, EU, US and UAE
1 contactfrom enquiry to go-live
1 dayto reply to your enquiry

Built for

  • Fintechs and PSPs
  • Digital assets and Web3
  • Marketplaces and platforms
  • Payroll and contractors
  • Digital commerce

Payment partners for regulated and fast-growing businesses.

Tell us what you need to move, where and how much. We introduce you to a licensed institution that can serve you, and help you through their onboarding.

Not sure what you need?

Most businesses come to us with a problem, not a product: an account closed, a corridor that will not settle, a card programme that stalled, a provider that cannot onboard their sector.

Share a few details and we will come back within one working day with a recommended route.

Free first callReply in one working day
Start an enquiry

Business accounts and IBANs

Introductions to licensed providers of named IBANs for collections, settlement and payouts.

Named IBANsSEPA and SWIFTLicensed EMIs
Learn more

Card issuing and BIN sponsorship

Introductions to BIN sponsors and issuers for prepaid, debit and corporate card programmes.

Virtual and physicalProgramme designBIN sponsors
Learn more

Acquiring and collections

Introductions to acquirers and payment providers, including for higher-risk sectors.

E-commerceHigh-risk placementDirect debit
Learn more

Cross-border payouts and FX

Introductions to licensed providers for multi-currency payouts and FX.

Mass payoutsFXPayroll
Learn more

Digital assets and stablecoins

Introductions to providers that bank crypto businesses, and to MiCA-regulated stablecoin partners.

MiCA partnersOn and off rampsCrypto-friendly accounts
Learn more

From enquiry to first transaction.

Onboarding is where most payment projects lose time. We prepare you for it before it starts.

Tell us your needs

Products, markets, volumes and timing, in a short form or a call.

Get introduced

We recommend a licensed provider whose risk appetite and products fit, and make the introduction.

Prepare onboarding

We help you assemble the KYB pack and answer compliance questions first time.

Go live

The provider approves and opens your account. We stay involved through integration and your first transactions.

Our role, and the provider's.

7 Seas Consultants holds no banking, payment or e-money licence and is not authorised by the FCA or any other regulator. We never hold, move or have access to client money.

What 7 Seas does

  • Understands what you need to move, where and how much
  • Recommends and introduces licensed providers that fit your sector and risk profile
  • Prepares you for their onboarding and answers their questions with you
  • Stays involved until your first transactions, and advises where you need it

What the licensed provider does

  • Opens and operates your account, issues cards and processes your payments
  • Holds and safeguards your funds under its own licence
  • Carries out KYB and AML checks and decides whether to accept you
  • Sets its own terms, pricing and service levels with you directly

Need advice rather than an account?

Our consultancy work is built around each client, starting with a free discovery call. Most of it is research, RFI and RFP preparation, and benchmarking.

  • Research and market intelligence on providers, competitors and regulation
  • RFI and RFP preparation and management, from requirements to award
  • Pricing, contract and performance benchmarking

Straight answers, a written scope before any work starts, and every fee or interest disclosed up front.

Our promise
Every engagement led by Marc personally

7 Seas Consultants at a glance.

Straight answers to the questions we are asked most.

What does 7 Seas Consultants do?

7 Seas Consultants is a UK payments consultancy based in Elstree, Hertfordshire. It introduces fintechs, platforms and merchants to licensed providers of business accounts, IBANs, card issuing, acquiring and cross-border payouts, and advises payment businesses, investors and boards on research, RFI and RFP procurement, benchmarking and strategy.

Is 7 Seas Consultants a bank or payment provider?

No. 7 Seas Consultants Ltd holds no banking, payment or e-money licence and never holds client money. Accounts, cards and payments are provided by the licensed institutions it introduces, under their own terms and onboarding checks.

How much does an introduction cost?

An introduction costs the client nothing. A provider may pay 7 Seas an introducer fee, which is disclosed to the client in writing before any introduction. Consultancy work is charged at a fixed fee or day rate agreed in a written scope.

Which businesses does 7 Seas work with?

Fintechs and PSPs, banks and EMIs, marketplaces and platforms, payroll and contractor businesses, digital asset firms, online merchants including higher-risk sectors, and investors and boards assessing payments businesses, across the UK, Europe, the US and the UAE.

Who runs 7 Seas Consultants?

Marc Conway, its founder and sole director, who has more than twenty years in payments and networking across the UK, Europe, the US and the UAE. Every engagement is led by Marc personally.

How do I get started?

Book a free discovery call through the contact page. Every client is different, so we start by understanding your business and the decision in front of you, then recommend a route or send a tailored proposal.

Looking for accounts, cards or acquiring?

Share a few details about your business and what you need. We reply within one working day with a recommended route.