Sound Familiar?

You’re a Payment Institution or Electronic Money Institution facing mounting regulatory pressure. The FCA expects you to have a comprehensive compliance manual – but creating one from scratch is overwhelming.

Without a proper compliance manual, you risk:

• Regulatory scrutiny and potential enforcement action
• Gaps in your compliance framework that expose your business
• Weeks of work researching PSRs, EMRs, and FCA guidance
• Expensive consultant fees running into thousands of pounds
• Outdated content that doesn’t cover 2024-2025 regulatory changes

And if you’ve found a template online, chances are it’s a locked PDF you can’t edit – or it’s designed for FSMA investment firms, not payment services businesses.

That’s where we come in.

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📌 The Solution Section

A Compliance Manual Built for Payment Services Firms

Our EMI & PI Compliance Manual Template is specifically designed for authorised and registered Payment Institutions and Electronic Money Institutions operating under the PSRs 2017 and EMRs 2011.

This is NOT a generic FCA template.

It’s purpose-built for payment services businesses – covering safeguarding, APP fraud, payment execution, e-money issuance, and the unique regulatory requirements that apply to your sector.

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📌 Three Key Benefits

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1️⃣ Fully Editable Word Document

This is a genuine Microsoft Word document – NOT a locked PDF. Add your company name, customise policies, insert your logo, and make it truly yours. Works with Word, Google Docs, and LibreOffice.

Why this matters: PDFs look professional but they’re useless when you need to adapt content to your business. Our Word format lets you edit every single word, add sections, remove what doesn’t apply, and keep it updated as regulations change.

2️⃣ Updated December 2025

This template incorporates every major regulatory development affecting payment services firms:

• Consumer Duty (Principle 12) – Implementation requirements and FCA priority areas
• Safeguarding Reforms (PS25/12, CASS 15) – New supplementary regime
• APP Fraud Reimbursement – October 2024 mandatory requirements (£85k limit)
• Payment Delays – Payment Services (Amendment) Regulations 2024
• Operational Resilience – PS21/3 requirements (March 2025 deadline)
• AML/CTF Updates – Including FG25/3 PEP guidance

3️⃣ Save Weeks of Work

Creating a compliance manual from scratch typically takes 40-80 hours of research, drafting, and formatting. Hiring a consultant? Budget £6,000-£20,000.

With our template, you can have a professional, comprehensive compliance manual customised for your firm in a matter of hours – for a fraction of the cost.

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📌 What’s Included?

23 Comprehensive Sections

Our template covers everything the FCA expects from a Payment Institution or EMI compliance manual:

Section	Content
1-2	Introduction & Staff Responsibilities
3	Regulatory Environment (PSRs 2017, EMRs 2011, FSMA 2023)
4	FCA Principles for Business (all 12 principles)
5	Consumer Duty – Full coverage including four outcomes
6	Safeguarding – Updated for PS25/12 and CASS 15
7	APP Fraud Reimbursement – October 2024 requirements
8	Payment Delays – 2024 Amendment Regulations
9	Operational Resilience – PS21/3 requirements
10	AML/CTF & Financial Crime
11-12	Governance, Systems & Controls, Compliance Structure
13-15	Conflicts of Interest, Customer Dealings, Complaints
16-19	Training, Bribery, Data Protection, Outsourcing
20-23	Notifications, Enforcement, Monitoring, Anti-Tax Evasion

PLUS: Appendices including:

• Key Personnel Register
• Customer Identification Requirements
• Key Legislation Reference
• Complaints Log Framework
• Regulatory Bibliography with live links