Licencias de pago globales
Autoridades y tipos de licencia por jurisdicción, y las entidades que las poseen: seis regiones, desde FinCEN y la FCA hasta MAS, el RBI y la CBUAE.
40 jurisdicciones · 105 tipos de licencia · 57 autoridades · 46 entidades
North America
12Federal 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.MTLMSBEMIAFSLAutorizada enUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
- CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPIAutorizada enUnited StatesEuropean Union / EEAFRSingapore
- CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPIAutorizada enUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
- DogpayCrypto payments, cards and global accounts; FINTRAC MSB under DOGPAY LTD. (C10001760).MSBAutorizada enCanada
- FiservMerchant acquiring and issuer processing at scale.MTLEMIAutorizada enUnited StatesUnited KingdomEuropean Union / EEA
- MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMIAutorizada enUnited StatesUnited KingdomAustraliaSingapore
- NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLAutorizada enCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
- PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLAutorizada enUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
- PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLAutorizada enUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
- RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLAutorizada enUnited StatesCanadaUnited KingdomAustralia
- RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPIAutorizada enUnited StatesEuropean Union / EEAUnited KingdomSingapore
- StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLAutorizada enUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan
Europe
13EU/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.BankingMTLEMIAFSLMPISVFIPAutorizada enEuropean Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
- Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFAutorizada enUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
- ClearBankA clearing bank for fintechs — the licensed layer under other brands.BankingEMIAutorizada enUnited KingdomEuropean Union / EEA
- GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLAutorizada enUnited KingdomAustraliaUnited StatesEuropean Union / EEA
- KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMIAutorizada enEuropean Union / EEAUnited KingdomUnited StatesAustralia
- ModulrEmbedded payments and accounts on a UK e-money licence with EU passporting.EMIAPIAutorizada enUnited KingdomEuropean Union / EEA
- MollieEuropean PSP holding Dutch payment and e-money licences with EEA passporting.PIEMIAutorizada enEuropean Union / EEAUnited Kingdom
- PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBAutorizada enUnited KingdomUnited StatesCanadaEuropean Union / EEA
- PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPIAutorizada enUnited KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
- RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLAutorizada enEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
- TrueLayerOpen-banking payments and data across the UK, EU and Australia.AISP / PISPEMIAutorizada enUnited KingdomEuropean Union / EEAAustralia
- WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLAutorizada enUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia
- WorldlineEuropean payment and acquiring group with licensed entities in several markets.PIBankingAFSLAutorizada enEuropean Union / EEAUnited KingdomAustralia
Asia-Pacific
11From 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.AFSLAPIEMISVFMPIMSBAutorizada enAustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)
- GCash (Mynt)The Philippines' largest e-wallet, operating on a BSP e-money licence.EMIOPSAutorizada enPhilippines
- GoPayIndonesian wallet and payments arm of GoTo.PJPE-moneyAutorizada enIndonesia
- GrabPaySuper-app wallet licensed across Southeast Asia.MPIE-moneyEMIAutorizada enSingaporeMalaysiaIndonesiaPhilippinesThailandVietnam
- NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLAutorizada enSingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia
- PayPayJapanese QR wallet registered for funds transfer and prepaid instruments.Funds transferPrepaidAutorizada enJapan
- PhonePeIndian wallet, UPI and bill payments business under RBI authorisations.PPIPABBPOUAutorizada enIndia
- RazorpayIndian payment aggregator holding domestic and cross-border RBI authorisations.PAPA-CBAutorizada enIndia
- ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTLAutorizada enSingaporeUnited KingdomUnited States
- TossKorean fintech holding electronic financial business registrations and a banking licence.Electronic financial businessBankingAutorizada enSouth Korea
- XenditSoutheast Asian payments infrastructure licensed country by country.PJPOPSMSBAutorizada enIndonesiaPhilippinesMalaysiaThailandVietnam
Middle East
2CBUAE, SAMA and the Gulf fintech hubs, plus Israel and Türkiye.
- Network InternationalMiddle East and Africa acquirer with onshore and free-zone authorisations.AcquiringRPSAutorizada enUnited Arab EmiratesSaudi ArabiaEgyptJO
- RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPIAutorizada enUnited KingdomIsraelUnited StatesSingaporeMexicoBrazil
Latin America
4Brazil's payment institutions, Mexico's Fintech Law and the Andean regimes.
- dLocalCross-border payments for global merchants in emerging markets, licensed locally.IPPSPMMOPSSPAutorizada enUruguayBrazilMexicoArgentinaColombiaChilePeruNigeriaSouth AfricaIndia
- EBANXLatin American payment methods and local acquiring.IPPSPAutorizada enBrazilMexicoArgentinaColombiaChilePeru
- Mercado PagoLatin America's largest fintech, licensed as a payment institution and bank across the region.IPPSPIFPEBankingAutorizada enBrazilArgentinaMexicoColombiaChilePeruUruguay
- StoneBrazilian merchant acquiring and banking for SMBs.IPBankingAutorizada enBrazil
Africa
4Mobile money and PSP licensing from Nigeria to Kenya and South Africa.
- FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSBAutorizada enNigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada
- M-PESA (Safaricom)The original mobile money service, licensed per market.E-moneyPSPAutorizada enKenyaTanzaniaGhanaEgyptSouth Africa
- OPayNigerian and Egyptian wallet and payments group.MMOPSSPPSBAutorizada enNigeriaEgypt
- PaystackMerchant payments across West and East Africa, owned by Stripe.PSSPPSPMMOAutorizada enNigeriaGhanaKenyaSouth Africa
Abreviaturas de licenciasLos códigos que verá en todo el directorio.
- 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.
Una referencia curada, no asesoramiento jurídico y no exhaustiva. Confirme el alcance de cualquier licencia con su autoridad antes de apoyarse en ella.