The back office for regulated fintechs
Payments, e-money, FX and lending firms carry rules that ordinary startups don't. Ting keeps your books, customer money reconciliations, capital and regulatory figures in order, working with our partner lawyers, compliance specialists and auditors.
Licensed and applying fintechs
Payment institutions, e-money firms, FX and remittance businesses and lenders, licensed in the UK or Asia, or preparing an application.
Fintech software
Payments, lending, accounting and finance software working with a licensed bank or payment partner, often on the way to a licence of its own.
Services for fintechs
Accountants who understand regulated finance, across the UK, Europe and Asia, with AI doing the first pass and Ting professionals checking the work.
Ready for a licence
Company and group structure, financial projections and a capital plan for your licence application, prepared with our partner law firms.
Customer money reconciled
What you owe customers matched against your safeguarding accounts every day, in every currency, with shortfalls flagged the same day.
Capital tracked
Your own funds against the capital your licence requires, today and forecast ahead, so a fundraise is planned in time.
Regulatory returns
Every return, audit and deadline on one calendar, with the figures prepared from your books for you and your compliance team to approve.
Margin per payment
FX margin, fees and account income against banking, scheme and partner costs, by corridor and by customer.
Audits coordinated
Statutory and safeguarding audits run smoothly, with the evidence pack built up month by month for your external auditor.
Partners checked
Due diligence on banking, payment and distribution partners before you sign, in the UK, Europe and Asia.
Team and growth
Payroll in each country, plus market entry when you take a licence into Singapore, Malaysia or Hong Kong.
Reports made for fintechs
Every figure links back to the transaction and document behind it. Ask questions about your numbers in plain words, at no extra cost.
Try the demo reportsSafeguarding reconciliation
Customer money matched every day
Capital headroom
Own funds against your requirement
Returns calendar
Every return and audit in one list
Margin per payment
Revenue against partner costs
Corridor report
Volumes and margin by country pair
Board and regulator pack
Monthly figures in one place
How it works
- 1
Tell us about your business
A short check of your set-up, the countries you work in and the tools you use.
- 2
AI does the first pass
Bookkeeping, report drafts and anything unusual flagged, all inside TingCloud.
- 3
Ting professionals check it
Qualified accountants, tax and payroll specialists review every judgement.
- 4
You approve
Follow progress in Ting Connect, so you never have to chase updates by email.
Ting Connect keeps conversations and project updates in one place. Confidential documents are sent separately by email as password-protected attachments, with the password shared through a separate channel.
What Ting does and doesn't do
Ting does not hold or move customer money and does not give regulatory or legal advice. Licensing, compliance and audits are carried out with our partner law firms, compliance specialists and external auditors, with Ting preparing the financial figures and coordinating the work.
Packages for fintech
For payments, e-money, FX and lending firms, licensed or applying, and fintech software working with licensed partners.
Launch
Fintechs preparing to apply for a licence or launch with a partner
From £150 + VAT /month
Ting Accounting & Tax Starter + industry services, quoted for you
First 3 months from £75 on the accounting part
Starter service: reply within 7 working days
- Company set-up and group structure coordinated
- Financial projections and capital plan for the licence application
- Books set up with customer money kept separate from your own
- Revenue by stream: fees, FX margin and account fees
Operate
Licensed fintechs with customers and live payments
From £250 + VAT /month
Ting Accounting & Tax Standard + industry services, quoted for you
First 3 months from £125 on the accounting part
Standard service: reply within 5 working days
- Everything in Launch
- Daily safeguarding reconciliation by currency
- Regulatory returns calendar, with figures prepared for review
- Capital headroom tracked against your requirement
- Payroll in the UK and other countries through Ting HR
Scale
Fintechs licensed or expanding in several countries
From £450 + VAT /month
Ting Accounting & Tax Premium + industry services, quoted for you
First 3 months from £225 on the accounting part
Premium service: reply within 1–2 working days
- Everything in Operate
- Ting CFO: capital forecasts, board and regulator reporting packs
- Licences in the UK, Singapore, Malaysia and Hong Kong coordinated
- Statutory and safeguarding audits coordinated with external auditors
Add when you need them
- Licence application support with partner law firms
- Compliance specialist introductions (AML, consumer duty, reporting)
- Checks on banking and payment partners with Ting Due D
- Withholding tax and transfer pricing across your group
- Fundraising support and investor due diligence file
Need faster replies? Upgrade any package to Standard or Premium service. Ask us for the price.
Urgent regulatory issues: every package gets a reply within 1 working day for a safeguarding shortfall or a request from your regulator.
Each package is a Ting Accounting & Tax plan plus industry services. The price shown is the accounting plan's starting price; the industry services in each package and the add-ons are quoted for your business, at a fraction of big-firm fees. The 50% introductory discount applies to the accounting part only. 50% introductory discount for the first 3 months for qualifying new Ting Accounting & Tax clients. Standard agreed pricing applies thereafter. Subject to eligibility, scope and terms. Reply times are in working days.
You're invited · TingCloud soft launch, London
International Expansion & How TingCloud Helps You Grow
A seminar for UK solo founders, growing businesses, advisors and investors exploring opportunities across the UK, Europe and Asia. Places are limited.
- Tuesday 17 November 2026, 2pm to 5pm
- Work Café Triton Square, London