Payment Institution Authorisation Readiness Checker

Gaps PI/EMI/AISP/PISP licence applications against FCA and EU NCA requirements. Scores authorisation readiness 0–100, lists gaps per PSD2/PSR 2017 Article requirement, checks capital adequacy, and outputs recommended next steps with Policy Mandate JSON.

PSD2 / PSRs 2017 FCA Approach Doc Capital Adequacy Zero PII · Client-Side

Scope & reliance: 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Regulatory thresholds are static reference values: verify against current PSD2 2015/2366/EU, UK PSRs 2017 SI 752, EMRs 2011, and FCA Payment Services Approach Document before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Authorisation Readiness Score

- /100

Capital Adequacy Check

Requirement	Minimum Threshold	Your Capital	Status	Reference

Gap Analysis: PSD2 / PSR 2017 Article Requirements

Requirement	Article / Rule	Status	Gap / Action Required

Recommended Next Steps