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Fintech Regulatory & Payments Advisory

Helping payment businesses navigate Canadian market entry, RPAA readiness, and operational compliance.

The Problem

Payment businesses looking to operate in Canada often face costly regulatory uncertainty. Many are unclear whether the RPAA applies, what regulators expect, or how to build compliant safeguarding and governance structures. As a result, applications get delayed, internal teams waste time, and growth opportunities are missed. Every month spent navigating uncertainty can mean lost revenue, slower expansion, and a stronger lead for competitors.

The Solution

We help payment businesses become regulator-ready with practical, tailored support built around your business model, risk profile, and growth stage. From RPAA applicability assessments and submission support to safeguarding frameworks, governance controls, and ongoing advisory, we turn complexity into a clear path forward, so you can launch, expand, and scale with confidence.

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Advisory Services

Comprehensive approach to Canadian regulatory readiness and ongoing compliance.

RPAA Readiness

Assess | Build | Submit

Applicability assessments, gap analysis, and structured readiness programs built for FINTRAC and Bank of Canada standards.

Governance

Compliance Frameworks

End-to-end compliance policies, safeguarding of funds structures, and AML/ATF program design.

Strategy

Fractional Advisor

Ongoing support for payment businesses navigating operational risk, market entry, and regulatory change.

What Sets Us Apart

Founder-level mindset. We focus on getting you to market with speed and pragmatism.

Builder Experience

Compliance frameworks built from scratch. Direct experience designing programs for payment businesses.

Infrastructure Fluent

Deep understanding of payment flows, processing infrastructure, and technical realities.

Commercial Focus

Founder-level mindset. We focus on getting you to market with speed and pragmatism.

Who We Serve

MSBs & Foreign MSBs (FMSBs)

Fintech Startups & PSPs

Cross-Border Payment Companies

Marketplaces with Embedded Payments

Global Companies Expanding into Canada

Engagement Options

Transparent pricing. Real deliverables. Real results.

Early-stage

Strategy Session

CAD $500

90-minute session to assess applicability and map path forward.

Select Plan

Submission Support

$3,500 – $8,500

Targeted support for completing and reviewing application packages.

Select Plan

Comprehensive

Full Readiness

$7,500 – $15k+

End-to-end governance, safeguarding, and submission readiness.

Select Plan

Growth

Fractional Advisor

Monthly Retainer

Ongoing strategic support tailored to your growth stage.

Select Plan

Engagement Process

A structured roadmap to move you from initial conversation to submission-ready with full transparency at every stage.

Fixed Fees

No Surprises

Discovery Call

Discuss activities & objectives.

Gap Assessment

Structured review of existing model.

Proposal

Tailored scope and timeline.

Execution

Build & refine frameworks.

Readiness

Final review & submission.

Ideal Time to Engage Us

Launching in Canada

Starting or expanding and need clarity day one.

Uncertain Obligations

Unsure if FINTRAC or RPAA applies to you.

Filing & Registration

Need help preparing or responding to filings.

Growth & Scale

Fixing gaps ahead of funding or scaling.

Ready to Get Started?

Capactity is limited. Engagements available immediately.

RPAA Advisory Client Intake Form

Complete this form so we can assess your business model, regulatory exposure, and readiness for RPAA support.

SECTION 1: COMPANY OVERVIEW

Legal Company Name *

Trading / Brand Name (if different)

Country of Incorporation

Website URL

Primary Contact Name

Title / Role

Primary Contact Email

SECTION 2: BUSINESS MODEL & USE CASES

Describe your business in 1–3 paragraphs *

Core products or services offered

Target customers (B2C, B2B, Marketplace, etc.)

Countries served

Current Stage

SECTION 3: PAYMENT ACTIVITIES

Please indicate all that apply:

Other Payment Activities

SECTION 4: CANADIAN NEXUS

Do you serve customers in Canada?

Do you market to Canadians?

Do you have a Canadian entity?

Do you have Canadian staff or contractors?

Do you use Canadian banking / PSP partners?

Is any payment activity managed from Canada?

SECTION 5: REGULATORY STATUS

FINTRAC MSB / FMSB status

Other licenses / registrations

Existing legal counsel

Existing compliance officer / team

Have you started an RPAA application already?

Have you received regulator questions before?

SECTION 6: SAFEGUARDING OF FUNDS

Do you hold end-user funds?

Where are funds held today?

Are customer funds segregated from operating funds?

Trust / safeguarding structure in place?

Reconciliation frequency

Who performs reconciliations?

Current shortfall process

SECTION 7: TECHNOLOGY AND OPERATIONS

Core platform (in-house / vendor)

Hosting provider(s)

Key vendors / processors

Monitoring tools

Backup process

Disaster recovery plan in place?

Cybersecurity controls summary

SECTION 8: GOVERNANCE

Does the company have a Board or advisors?

Who owns risk decisions?

How often are controls reviewed?

SECTION 9: VOLUMES & RISK PROFILE

Current monthly transaction volume

Expected annual volume

Average transaction size

Largest transaction size

Number of active customers

High-risk geographies involved?

SECTION 10 & 12: ADVISORY NEEDS

What support are you seeking?

Desired submission timeline

Urgent deadlines

Preferred engagement type

Anything else we should know?

SECTION 11: DOCUMENTS AVAILABLE

What documents do you have available today?

Drag & drop files here, or click to select

Max 5MB per file

Your data is secure. We only use this information to assess your regulatory obligations and how we can best support your Canadian market entry.

General Business Resources

Standard tools for general business legal and compliance needs in Canada.

LawDepot

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Éducaloi

Free Quebec law information in plain language — understand your rights as a business owner.

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