New Services Alert!

Now offering: Payment Aggregator and Alternative Remittance Provider (ARP) licensing under the new 2026 SARB frameworks - be first to market with South Africa's newest regulatory pathways.

Our founding team was directly involved in the development of these regulations - giving Calford & Grey unmatched insight into what FINSURV expects and how to structure compliant operations from day one.

Payment Aggregator Authorization

South Africa's new cross-border e-commerce framework allows payment aggregators to process international retail transactions in partnership with Authorized Dealers. We secure FINSURV approval, structure your AD partnership, and build the operational frameworks that satisfy both regulators and banking partners.
 

WHAT'S INCLUDED:

• FINSURV application preparation and submission

• Authorized Dealer partnership structuring

• FAIS, FICA, and NPS Directive compliance frameworks

• Ring-fencing and operational procedures

• FINSURV Reporting System integration

• Ongoing regulatory reporting support
   

IDEAL FOR:

International e-commerce platforms, payment processors, and subscription services seeking to process cross-border retail payments for South African consumers.

Alternative Remittance Provider (ARP) Licensing

The SARB has formalized the regulatory framework for money transfer and value transfer services. Whether you're establishing a new remittance operation or bringing an existing informal service into compliance, we navigate the full ARP authorization process - from FINSURV application through to Gazette publication.
 

WHAT'S INCLUDED:

• ARP business plan development to FINSURV standards

• Risk Management & Compliance Programme (RMCP) creation

• Director questionnaires and fit & proper documentation

• Minimum capital structuring and bank account setup

• Foreign agent partnership documentation

• FinSurv management interview preparation

• Ongoing monthly reporting framework

• Government Gazette publication coordination

IDEAL FOR:

Money transfer operators, value transfer networks, and cross-border remittance businesses - both new entrants and existing operators seeking formal authorization.