Globale Zahlungslizenzen

Aufsichtsbehörden und Lizenzarten nach Rechtsraum, dazu die Institute, die sie halten — sechs Regionen, von FinCEN und der FCA bis MAS, RBI und CBUAE.

40 Rechtsräume · 105 Lizenzarten · 57 Aufsichtsbehörden · 46 Institute

North America

Federal and state licensing in the US, Canada and Mexico.

Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSLZugelassen inUnited States Canada United Kingdom Australia Japan European Union / EEA
CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPIZugelassen inUnited States European Union / EEA FR Singapore
CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPIZugelassen inUnited States European Union / EEA United Kingdom DE Singapore Australia
DogpayCrypto payments, cards and global accounts; FINTRAC MSB under DOGPAY LTD. (C10001760).MSBZugelassen inCanada
FiservMerchant acquiring and issuer processing at scale.MTLEMIZugelassen inUnited States United Kingdom European Union / EEA
MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMIZugelassen inUnited States United Kingdom Australia Singapore
NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLZugelassen inCanada United States United Kingdom European Union / EEA Singapore Australia
PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLZugelassen inUnited States United Kingdom European Union / EEA Hong Kong, China Australia Singapore India
PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLZugelassen inUnited States European Union / EEA United Kingdom Australia Singapore
RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLZugelassen inUnited States Canada United Kingdom Australia
RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPIZugelassen inUnited States European Union / EEA United Kingdom Singapore
StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLZugelassen inUnited States European Union / EEA United Kingdom Singapore Australia Japan

Europe

EU/EEA passporting regimes, the UK, Switzerland and the EEA satellites.

AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIPZugelassen inEuropean Union / EEA United States United Kingdom Australia Singapore Hong Kong, China Brazil United Arab Emirates
Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFZugelassen inUnited Kingdom European Union / EEA United States United Arab Emirates Singapore Hong Kong, China Australia Japan
ClearBankA clearing bank for fintechs — the licensed layer under other brands.BankingEMIZugelassen inUnited Kingdom European Union / EEA
GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLZugelassen inUnited Kingdom Australia United States European Union / EEA
KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMIZugelassen inEuropean Union / EEA United Kingdom United States Australia
ModulrEmbedded payments and accounts on a UK e-money licence with EU passporting.EMIAPIZugelassen inUnited Kingdom European Union / EEA
MollieEuropean PSP holding Dutch payment and e-money licences with EEA passporting.PIEMIZugelassen inEuropean Union / EEA United Kingdom
PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBZugelassen inUnited Kingdom United States Canada European Union / EEA
PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPIZugelassen inUnited Kingdom European Union / EEA United States Singapore Brazil Mexico
RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLZugelassen inEuropean Union / EEA United Kingdom United States Singapore Australia Japan Mexico Brazil India
TrueLayerOpen-banking payments and data across the UK, EU and Australia.AISP / PISPEMIZugelassen inUnited Kingdom European Union / EEA Australia
WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLZugelassen inUnited Kingdom European Union / EEA United States Singapore Australia Japan Malaysia
WorldlineEuropean payment and acquiring group with licensed entities in several markets.PIBankingAFSLZugelassen inEuropean Union / EEA United Kingdom Australia

Asia-Pacific

From MAS and HKMA to the RBI, BI and the mainland payment licence.

AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSBZugelassen inAustralia United Kingdom Hong Kong, China Singapore United States Malaysia New Zealand China (mainland)
GCash (Mynt)The Philippines' largest e-wallet, operating on a BSP e-money licence.EMIOPSZugelassen inPhilippines
GoPayIndonesian wallet and payments arm of GoTo.PJPE-moneyZugelassen inIndonesia
GrabPaySuper-app wallet licensed across Southeast Asia.MPIE-moneyEMIZugelassen inSingapore Malaysia Indonesia Philippines Thailand Vietnam
NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLZugelassen inSingapore United Kingdom United States Australia Hong Kong, China India Malaysia
PayPayJapanese QR wallet registered for funds transfer and prepaid instruments.Funds transferPrepaidZugelassen inJapan
PhonePeIndian wallet, UPI and bill payments business under RBI authorisations.PPIPABBPOUZugelassen inIndia
RazorpayIndian payment aggregator holding domestic and cross-border RBI authorisations.PAPA-CBZugelassen inIndia
ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTLZugelassen inSingapore United Kingdom United States
TossKorean fintech holding electronic financial business registrations and a banking licence.Electronic financial businessBankingZugelassen inSouth Korea
XenditSoutheast Asian payments infrastructure licensed country by country.PJPOPSMSBZugelassen inIndonesia Philippines Malaysia Thailand Vietnam

Middle East

CBUAE, SAMA and the Gulf fintech hubs, plus Israel and Türkiye.

Network InternationalMiddle East and Africa acquirer with onshore and free-zone authorisations.AcquiringRPSZugelassen inUnited Arab Emirates Saudi Arabia Egypt JO
RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPIZugelassen inUnited Kingdom Israel United States Singapore Mexico Brazil

Latin America

Brazil's payment institutions, Mexico's Fintech Law and the Andean regimes.

dLocalCross-border payments for global merchants in emerging markets, licensed locally.IPPSPMMOPSSPZugelassen inUruguay Brazil Mexico Argentina Colombia Chile Peru Nigeria South Africa India
EBANXLatin American payment methods and local acquiring.IPPSPZugelassen inBrazil Mexico Argentina Colombia Chile Peru
Mercado PagoLatin America's largest fintech, licensed as a payment institution and bank across the region.IPPSPIFPEBankingZugelassen inBrazil Argentina Mexico Colombia Chile Peru Uruguay
StoneBrazilian merchant acquiring and banking for SMBs.IPBankingZugelassen inBrazil

Africa

Mobile money and PSP licensing from Nigeria to Kenya and South Africa.

FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSBZugelassen inNigeria Kenya Ghana South Africa Egypt United Kingdom United States Canada
M-PESA (Safaricom)The original mobile money service, licensed per market.E-moneyPSPZugelassen inKenya Tanzania Ghana Egypt South Africa
OPayNigerian and Egyptian wallet and payments group.MMOPSSPPSBZugelassen inNigeria Egypt
PaystackMerchant payments across West and East Africa, owned by Stripe.PSSPPSPMMOZugelassen inNigeria Ghana Kenya South Africa

LizenzabkürzungenDie Kürzel, die im Verzeichnis vorkommen.

EMI: Electronic Money Institution
Issue e-money and hold user funds; passports across the EEA under EMD2.
PI: Payment Institution
Provide payment services without issuing e-money; passports across the EEA under PSD2.
API / SPI: Authorised / Small Payment Institution
The UK's full and light payment licences.
AISP / PISP: Account Information / Payment Initiation Service Provider
Open-banking roles under PSD2.
MSB: Money Services Business
US and Canadian federal registration for money transmission and currency dealing.
MTL: Money Transmitter Licence
US state-by-state licence to transmit money.
MPI / SPI: Major / Standard Payment Institution
Singapore's two payment tiers under the Payment Services Act.
SVF: Stored Value Facility
Hong Kong's licence for prepaid wallets and stored value.
MSO: Money Service Operator
Hong Kong Customs & Excise licence for remittance and/or money changing.
PPI: Prepaid Payment Instrument issuer
India's licence to issue prepaid instruments.
PA / PA-CB: Payment Aggregator / Cross-border
India's merchant aggregation authorisations.
MMO: Mobile Money Operator
Nigeria's licence to issue e-money and run wallets.
IFPE: Institución de Fondos de Pago Electrónico
Mexico's e-money licence under the Fintech Law.
IP: Instituição de Pagamento
Brazil's payment institution authorisation.
CASP: Crypto-Asset Service Provider
MiCA authorisation for crypto-asset services in the EU.
PJP: Penyelenggara Jasa Pembayaran
Indonesia's payment service provider licence.

Eine kuratierte Referenz, keine Rechtsberatung und nicht vollständig. Prüfen Sie den Umfang einer Lizenz bei der Aufsichtsbehörde, bevor Sie sich darauf verlassen.