Nicole Meisner

Nicole Meisner is an attorney in our Electronic Payments practice group.

Nicole counsels a wide range of companies in the payments and financial services industries, including acquiring banks, payment processors, independent sales organizations (ISOs), payment facilitators, marketplaces, mobile payment providers, financial technology (FinTech) companies, money transmitters, prepaid access providers, and digital currency companies. Nicole advises businesses on contractual and compliance matters involving the impacts of dynamic state and federal regulations and industry rules, the structure of the flow-of-funds, and the creation of strategic business relationships to mitigate legal risks.

Specifically, Nicole drafts and negotiates a variety of payment-focused agreements such as:

• payment facilitator agreements;
• agency, sponsorship, and licensing agreements;
• independent sales organizations (ISO) agreements;
• merchant and sub-merchant agreements;
• BIN sponsorship agreements; and
• agent bank and association contracts.

Nicole helps payment companies identify and navigate risks of money transmission laws and regulations. She has extensive experience advising clients on various exemptions to money transmitter registration recognized by the Financial Crimes Enforcement Network (FinCEN) as well as exemptions to licensure, such as the agent-of-the-payee exemption, recognized by several states.