When to Adopt Remitz: Only for Clients Who Already Hold or Are Applying for an FCA Money Transfer Licence
Should my agency deploy Remitz for a client, or is this a platform our client cannot legally operate without their own FCA authorisation? Adopt Remitz only when the client owns the licence and the agency is paid to configure, integrate, and advise, never when the agency is expected to resell remittance as its own service.
By InnovaAI ResearchPublished Updated
“Should my agency deploy Remitz for a client, or is this a platform our client cannot legally operate without their own FCA authorisation?”
Adopt Remitz only when the client owns the licence and the agency is paid to configure, integrate, and advise, never when the agency is expected to resell remittance as its own service.
Agencies pitch Remitz as a white-label product they can resell under their own brand to unlicensed clients, then discover the client needs its own FCA authorisation and the £79 SPI sandbox tier was never a shortcut around that requirement.
Remitz is priced for operators, not agencies: the SPI Licence Applicant tier is £79 monthly for a hosted sandbox and application evidence preparation, Starter is £299 monthly for a white-label portal with basic KYC/AML and up to 5 corridors, and Growth is £799 monthly. The verdict is explicit that agencies cannot resell Remitz as a client service because the reseller must hold an active FCA money transfer licence or be an SPI applicant. That makes the viable agency play a productized engagement such as the Remitz Compliance Launch Starter at $1040/mo with 20h setup plus 3h/mo, where the agency configures the sandbox, trains the client team, and monitors compliance rather than acting as the licensed operator.
- •The client holds an active FCA money transfer licence or is mid-application as an SPI licence applicant
- •The client is a licensed MTO, fintech, or MSB planning to launch remittance services within 15-30 days
- •The client needs a branded customer portal, mobile app, and agent dashboards without a 2-year platform build
- •The client wants to keep its own payout provider relationships (TerraPay, Fincra, Trust Payments) and KYC vendors (Onfido, Yoti, Trulioo)
- •The agency is scoping a compliance advisory or configuration engagement, not a resale of Remitz as a client-facing service
More on Remitz
- StrategyWhy Remitz Is a Reference Tool, Not an Agency Retainer Product
- ConceptRemitz Licence Gate
- Decision FrameworkRemitz: Buy vs Skip (Licensed MTO and MSB Operators)
- Failure PatternThe Remitz Sandbox Trap: Why Agencies Fail With Remitz Before the FCA Licence Lands
- Implementation BlueprintRemitz Compliance Launch Sprint (10-14 days)
- Operating ProcedureRemitz SPI Licence Applicant Sandbox Setup (Onboarding)