- 02 3820 3730
- Level 13, 333 George St, Sydney NSW 2000
Financial Services Lawyers For Card Issuers
- Licensing & structuring for card issuing programs.
- Program design, terms & cardholder documents.
- Governance, risk & compliance for card issuers.
- AML/CTF, onboarding & monitoring where you are in scope.
Build your prepaid, debit or credit card program (virtual or physical) on a secure legal, licensing & compliance foundation.
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Structuring & Licensing Advice
We advise how to structure your card program & what licensing requirements or approvals are likely to apply.
Program Design, Terms & Cardholder Documents
We assist with program design, cardholder terms, disclosures & key customer‑facing documents.
Governance, Risk & Compliance Frameworks
We help design governance, risk & compliance frameworks for issuing, managing & monitoring your card program.
Scheme, Bank & Service Provider Arrangements
We assist with scheme, issuer or sponsor bank & key service provider agreements for your card program.
AML/CTF, Onboarding & Monitoring
We support AML/CTF programs, customer onboarding, due diligence & monitoring where your activities are in scope.
Australia’s Leading Financial Services Law Firm for Card Issuers
Rated 5-Star By Our Clients
Why Choose AFSL House For Your Card Issuing Business?
Card Issuing & Payments Expertise
We understand how prepaid, debit & credit card programs (virtual & physical) are structured, licensed & supervised in Australia.
Integrated Structuring, Schemes, Banks & Compliance
We align structuring, scheme & issuer bank arrangements, contracts, licensing, AML/CTF & risk frameworks into one coherent system.
Practical, Product‑Led Advice
We give advice that fits your product design, customer experience & growth plans, not just black‑letter rules.
Get Your Free Initial Consultation
Request a Free Consultation with one of our experienced AFSL Lawyers today.
Our 4‑Step Legal Roadmap For Card Issuing Businesses
We turn complex structuring, licensing & AML/CTF questions into a clear, repeatable process for your card programs.
200+
AFSL Applications
100%
Success Rate
Step 1: Model, Flows & Regulatory Scoping
We map your card products, customers, payment flows & key partners to outline likely perimeter, licensing & AML/CTF implications.
Step 2: Entity, Governance & Licence Alignment
We align entities, governance, roles & any licence or partner‑licence strategy with how your card program operates.
Step 3: Terms & Compliance Programs
We assist with terms, disclosures, card network & issuer bank agreements, risk policies & AML/CTF programs where your activities are in scope.
Step 4: Launch Support & Ongoing Review
We support launch, incidents, regulator engagement & periodic reviews so your controls stay effective as you scale.
Legal, Licensing & Compliance Services For Payments Businesses
Money Remitters & Cross‑Border Payments
Licensing, structuring & AML/CTF support for money remitters & cross‑border payment businesses.
Stored Value & Digital Wallet Providers
Structuring, licensing, safeguarding & compliance support for stored value facilities & digital wallets.
Stablecoin Issuers & Platforms
Structuring, licensing, reserve & compliance support for stablecoins within Australia’s payments reforms.
Payment Facilitators & Processors
Structuring, merchant models, contracts & compliance support for PayFacs, gateways & acquiring businesses.
Card Issuing Businesses
Structuring, licensing, card network & compliance support for prepaid, debit & credit card programs.
Free & Practical AFSL Guides & Checklists
Free 90-seconds Assessment
Are you complying with your AFSL?
We understand the challenges of complying with your AFSL obligations. That’s why we created this free 90-second assessment.
Quickly check your status and get the insights you need. Take the test now.
2026 Guide to AFSL Applications
A practical guide covering the key steps, milestones & timeframes for obtaining an AFS License.
Your AFSL Roadmap
An illustrative chart with key milestones & steps in applying for an AFSL & ensuring ongoing compliance.
AFSL Compliance Calendar
Comprehensive calendar outlining key compliance deadlines & obligations for AFSL holders throughout the year.
Get Your Free Initial Consultation
Request a Free Consultation with one of our experienced AFSL Lawyers today.
Insights Library
Practical AFSL Guides & Insights
Unlock free AFSL guides, checklists, and insights in our regularly updated Insights Library, written by legal experts.
Who We Are
Founded in 2020 by senior financial services lawyer Peter Hagias, AFSL House specialises in regulatory and legal services for AFSL holders. Our expert team serves fintech companies, fund managers, and financial planners both locally and internationally, delivering compliance solutions that withstand regulatory scrutiny.
Under Peter’s leadership as an industry consultant and compliance committee chair, we continue to provide outstanding support to Australia’s financial services sector.
Market-Leading, Comprehensive AFSL Services
AFSL House offers a comprehensive range of services tailored to meet the needs of financial services companies seeking an Australian Financial Services Licences (AFSL) and compliance support.
AFSL Applications
We are proud to have a 100% success rate in AFSL applications, ensuring our clients obtain their AFSL in record time.
Compliance & Regulation
AFSL House prepares tailored risk and compliance frameworks to ensure you comply with your AFSL obligations.
Legal Support
Our expert team of specialised AFSL lawyers provides holistic legal services to AFSL holders & AFSL Applicants.
AFSL Audits & Investigations
We deliver comprehensive governance audits to avoid enforcement action and assist in ASIC and AUSTRAC investigations.
AFSL for Hire
Be appointed as a Corporate Authorised Representative (CAR) under our AFSL to commence operations quickly.
Marketplace for AFSL
Access our curated database of existing AFSL sellers and brokers to expedite your license acquisition process.
AFSL Responsible Manager Recruitment
Connecting AFSL holders and applicants with qualified Responsible Managers. Expert RM sourcing and placement.
White-Label Services
We enable legal and consulting firms to offer AFSL expertise under their own brand through our white-label solutions.
