Moorwand Ltd has outlined the strategic partnerships and technology layers that underpin its issuing, settlement, safeguarding, and reconciliation capabilities.
The company says the partnerships are selected for regulatory robustness, direct access to the scheme, and operational control, not for brand value. Moorwand adds that these ties support its responsibilities as a UK-authorised electronic money institution, particularly in safeguarding client funds.
Moorwand says the relationships are intended to deliver accountable payment services, favouring controlled, compliant integration over generic connectivity.
Figure 1 Wael Sulaiman Almaree
Card Scheme Access and Issuing Infrastructure
Moorwand works with major payment schemes to support card issuing and acquiring for approved programmes.
The company states that, through its relationships with card schemes such as Mastercard and other global networks, it can provide BIN sponsorship, card issuance, and acceptance solutions to programme managers and other regulated partners.
This gives clients structured access to card rails without having to become a principal member themselves.
Moorwand says that access is conditional. It is supported by onboarding checks, activity profiling, and ongoing supervision. The firm links these controls to its anti-money laundering responsibilities and to its obligation to monitor live payment flows for abnormal or high-risk activity. The firm’s position is that card access must come with governance, not just speed.
Figure 2 Wael Almaree
Faster Market Entry, Under Supervision
By using Moorwand’s BIN sponsorship model, a programme can move into card issuing or acquiring more quickly.
But Moorwand states that programme managers are still expected to pass due diligence, accept transaction monitoring, and operate within the company’s risk tolerance.
The firm describes this as a balance: enable fintech activity, but do so in a way that withstands regulatory oversight in UK fintech and meets expectations around AML controls in payments.
Banking Partners and Safeguarding Support
Beyond issuing, Moorwand Ltd relies on banking partners to support payment flows, safeguarding, and settlement.
The firm says its partnerships with FCA-regulated or equivalent banking institutions give it access to Faster Payments, Bacs, and other payment channels. These rails are used for settlement, reconciliation, and payout activity.
According to the firm, these relationships are essential to its safeguarding model. Client funds subject to safeguarding rules are held in segregated accounts with approved banking partners. Those balances are reconciled daily. Any break is escalated immediately.
Moorwand states that this structure is designed to protect customer funds, ensure traceability, and comply with UK payment regulations. The company frames this as part of its responsibility as a payments service provider, not just an operational detail.
Technology Enhancements and Data Integrity
Moorwand says that partnerships are only one part of its model. The second part is technology.
The firm reports ongoing investment in reconciliation tools, reporting automation, and audit-ready data structures. These systems are meant to give programme managers visibility into their flows and to provide Moorwand with internal assurance that activity is being tracked correctly.
The company links reconciliation and reporting to risk mitigation. It says it wants a clear line between the movement of funds, the safeguarding accounts where relevant funds are held, and the point at which settlement occurs.
This matters because it supports both client funds protection and internal accountability. It also promotes transparency during regulatory review.
Monitoring and Financial Crime Controls
Moorwand also cites technology enhancements around transaction monitoring. According to the firm, the transaction monitoring logic has been updated to reflect behaviour patterns indicative of potential misuse of payment services. Activity considered unusual or high risk is investigated and escalated where required.
This is presented as part of Moorwand’s broader financial crime framework, which includes KYC procedures for fintech partners and continuous screening. Moorwand states that these controls are not optional add-ons. They are core to the firm's participation in the payments ecosystem.
Figure 3 Moorwand Logo
Role in the Wider Payments Ecosystem
The agency links its strategic partnerships and technology stack to its position in the UK and EU payments markets.
The company says its model is built to enable programme managers to issue cards, move funds, and access settlement infrastructure while remaining aligned with safeguarding expectations, transaction monitoring standards, and regulatory oversight.
In Moorwand’s view, this is how an electronic money institution should operate: provide access, enforce governance, and be able to evidence both when challenged.
The firm says it will continue to refine partner selection, reporting transparency, and control systems as part of its regular operating routine, not only in response to external pressure.
Media Contact
Company Name: KNOX INTEL LIMITED
Contact Person: Patrick Bruen
Email: Send Email
City: London
Country: United Kingdom
Website: www.knoxandco.co.uk