世界の決済ライセンス
管轄区域ごとに規制当局とライセンス制度を整理し、それを保有する事業者を掲載——FinCEN や FCA から MAS、RBI、CBUAE まで六地域。
40 管轄区域 · 105 ライセンス制度 · 57 規制当局 · 46 事業者
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.MTLMSBEMIAFSL認可地域United StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
- CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI認可地域United StatesEuropean Union / EEAFRSingapore
- CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI認可地域United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
- DogpayCrypto payments, cards and global accounts; FINTRAC MSB under DOGPAY LTD. (C10001760).MSB認可地域Canada
- FiservMerchant acquiring and issuer processing at scale.MTLEMI認可地域United StatesUnited KingdomEuropean Union / EEA
- MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMI認可地域United StatesUnited KingdomAustraliaSingapore
- NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL認可地域CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
- PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL認可地域United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
- PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL認可地域United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
- RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL認可地域United StatesCanadaUnited KingdomAustralia
- RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI認可地域United StatesEuropean Union / EEAUnited KingdomSingapore
- StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL認可地域United 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.BankingMTLEMIAFSLMPISVFIP認可地域European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
- Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF認可地域United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
- ClearBankA clearing bank for fintechs — the licensed layer under other brands.BankingEMI認可地域United KingdomEuropean Union / EEA
- GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL認可地域United KingdomAustraliaUnited StatesEuropean Union / EEA
- KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMI認可地域European Union / EEAUnited KingdomUnited StatesAustralia
- ModulrEmbedded payments and accounts on a UK e-money licence with EU passporting.EMIAPI認可地域United KingdomEuropean Union / EEA
- MollieEuropean PSP holding Dutch payment and e-money licences with EEA passporting.PIEMI認可地域European Union / EEAUnited Kingdom
- PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB認可地域United KingdomUnited StatesCanadaEuropean Union / EEA
- PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI認可地域United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
- RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL認可地域European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
- TrueLayerOpen-banking payments and data across the UK, EU and Australia.AISP / PISPEMI認可地域United KingdomEuropean Union / EEAAustralia
- WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL認可地域United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia
- WorldlineEuropean payment and acquiring group with licensed entities in several markets.PIBankingAFSL認可地域European 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.AFSLAPIEMISVFMPIMSB認可地域AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)
- GCash (Mynt)The Philippines' largest e-wallet, operating on a BSP e-money licence.EMIOPS認可地域Philippines
- GoPayIndonesian wallet and payments arm of GoTo.PJPE-money認可地域Indonesia
- GrabPaySuper-app wallet licensed across Southeast Asia.MPIE-moneyEMI認可地域SingaporeMalaysiaIndonesiaPhilippinesThailandVietnam
- NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL認可地域SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia
- PayPayJapanese QR wallet registered for funds transfer and prepaid instruments.Funds transferPrepaid認可地域Japan
- PhonePeIndian wallet, UPI and bill payments business under RBI authorisations.PPIPABBPOU認可地域India
- RazorpayIndian payment aggregator holding domestic and cross-border RBI authorisations.PAPA-CB認可地域India
- ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL認可地域SingaporeUnited KingdomUnited States
- TossKorean fintech holding electronic financial business registrations and a banking licence.Electronic financial businessBanking認可地域South Korea
- XenditSoutheast Asian payments infrastructure licensed country by country.PJPOPSMSB認可地域IndonesiaPhilippinesMalaysiaThailandVietnam
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.AcquiringRPS認可地域United Arab EmiratesSaudi ArabiaEgyptJO
- RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI認可地域United 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.IPPSPMMOPSSP認可地域UruguayBrazilMexicoArgentinaColombiaChilePeruNigeriaSouth AfricaIndia
- EBANXLatin American payment methods and local acquiring.IPPSP認可地域BrazilMexicoArgentinaColombiaChilePeru
- Mercado PagoLatin America's largest fintech, licensed as a payment institution and bank across the region.IPPSPIFPEBanking認可地域BrazilArgentinaMexicoColombiaChilePeruUruguay
- StoneBrazilian merchant acquiring and banking for SMBs.IPBanking認可地域Brazil
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.PSSPMMOPSPEMIMSB認可地域NigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada
- M-PESA (Safaricom)The original mobile money service, licensed per market.E-moneyPSP認可地域KenyaTanzaniaGhanaEgyptSouth Africa
- OPayNigerian and Egyptian wallet and payments group.MMOPSSPPSB認可地域NigeriaEgypt
- PaystackMerchant payments across West and East Africa, owned by Stripe.PSSPPSPMMO認可地域NigeriaGhanaKenyaSouth Africa
ライセンス略語一覧名鑑に出てくる略語です。
- 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.
人手でまとめた参考名鑑であり、法的助言でも網羅でもありません。利用前に必ず規制当局の公表内容でご確認ください。