Fintech & Payments

Overview

Our experienced team offers clients unparalleled expertise in fintech, payment systems, electronic money (e-money) services and financial institution regulatory and legislative issues.
 

We help our clients navigate through these rapidly-evolving environments and keep ahead of continuous innovations in financial technology and its applicable legislation.

Our clients are multinationals in the electronic payments and e-money sector, who provide innovative electronic business and consumer-focused payment solutions including: prepaid accounts and cards, account aggregation services, payment gateways, payment initiation services, money remittance services, group treasury functions, invoice collection and payment processing services.

We have also created a new AI Legal and Compliance Knowledge Hub where we will cover the legal and compliance impact of AI for FinTech companies.

Payments Experts

Our clients include both UK and Gibraltar-based regulated FinTech entities (EMI’s, banks and other Payment Service Providers), who we have advised on areas such as product development, commercial agreements, investments, M&A, partnerships, foundations,  regulation, DLT and crypto assets.
 

Ramparts is proud to be a member of the UK Payments Association:

Case Studies

  • Advising a client on a global risk based regulatory strategy that looked at a wide range of factors including territorial nexus, local legal and regulatory uncertainty, AML and CTF risks. This allowed our client to focus more resources on territories that represented a higher risk to our client's business whilst enabling them to ensure that they met local and international standards of compliance.
  • Advising a client on a change of control application for an e-money institution as part of a wider M&A transaction.
  • Providing outsourced in-house style legal support for an e-money issuer. This includes drafting and negotiating contracts, dealing with counterparties and card schemes.
  • Advising UK and Gibraltar EMI's and banks on virtual IBAN services.

What do clients say?

"We have worked with David, Peter and the team at Ramparts for many years. Ramparts are the only specialist payments and e-money law firm in Gibraltar. We also work with them in respect of UK and EU regulatory issues as well as commercial contracts and new material product development."
Aaron Carpenter
Aaron Carpenter CEO of Transact Payments

Our Fintech & Payments Team

Peter Howitt

Peter Howitt

Managing Director

peterhowitt@ramparts.gi
employment law, payments law, payroll, e-money and crypto assets

David Borge

Practice Director

davidborge@ramparts.gi
Ravi Viroomal

Ravi Viroomal

Fiduciary Business Development Manager

raviviroomal@ramparts.gi
Nicholas Borge

Nicholas Borge

Director

nicholasborge@ramparts.gi

News & Insights

AI Legal & Compliance Support Assistant
September 15, 2025

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