Fintech & Payments


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

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."

Brochures & Factsheets

Our Fintech & Payments Team

Peter Howitt

Peter Howitt

Managing Director

employment law, payments law, payroll, e-money and crypto assets

David Borge

Practice Director

Ravi Viroomal

Ravi Viroomal

Business Development Director

Nicholas Borge

Nicholas Borge

Senior Associate

News & Insights

UK crypotasset financial promotion warning

UK Cryptoasset Financial Promotion Regime

The new UK financial services promotion regime comes into force next month and makes unregulated promotions of cryptoassets illegal. It affects many businesses worldwide including VASPs, affiliates, advertisers and payment companies.

Flag Map of the EU

Helicopter view of MiCA

Following on from our Introduction to the Markets in Crypto-Assets Regulation, we provide here a brief overview (the helicopter view) of MiCA.