글로벌 결제 라이선스
관할권별 감독기관과 라이선스 제도를 정리하고, 이를 보유한 기관을 함께 실었습니다 — FinCEN과 FCA부터 MAS, RBI, CBUAE까지 여섯 지역.
40개 관할권 · 105개 라이선스 제도 · 57개 감독기관 · 46개 기관
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.MTLMSBEMIAFSL인가 지역United StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
- CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI인가 지역United StatesEuropean Union / EEAFRSingapore
- CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI인가 지역United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
- DogpayCrypto payments, cards and global accounts; FINTRAC MSB under DOGPAY LTD. (C10001760).MSB인가 지역Canada
- FiservMerchant acquiring and issuer processing at scale.MTLEMI인가 지역United StatesUnited KingdomEuropean Union / EEA
- MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMI인가 지역United StatesUnited KingdomAustraliaSingapore
- NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL인가 지역CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
- PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL인가 지역United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
- PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL인가 지역United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
- RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL인가 지역United StatesCanadaUnited KingdomAustralia
- RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI인가 지역United StatesEuropean Union / EEAUnited KingdomSingapore
- StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL인가 지역United 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.BankingMTLEMIAFSLMPISVFIP인가 지역European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
- Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF인가 지역United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
- ClearBankA clearing bank for fintechs — the licensed layer under other brands.BankingEMI인가 지역United KingdomEuropean Union / EEA
- GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL인가 지역United KingdomAustraliaUnited StatesEuropean Union / EEA
- KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMI인가 지역European Union / EEAUnited KingdomUnited StatesAustralia
- ModulrEmbedded payments and accounts on a UK e-money licence with EU passporting.EMIAPI인가 지역United KingdomEuropean Union / EEA
- MollieEuropean PSP holding Dutch payment and e-money licences with EEA passporting.PIEMI인가 지역European Union / EEAUnited Kingdom
- PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB인가 지역United KingdomUnited StatesCanadaEuropean Union / EEA
- PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI인가 지역United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
- RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL인가 지역European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
- TrueLayerOpen-banking payments and data across the UK, EU and Australia.AISP / PISPEMI인가 지역United KingdomEuropean Union / EEAAustralia
- WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL인가 지역United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia
- WorldlineEuropean payment and acquiring group with licensed entities in several markets.PIBankingAFSL인가 지역European 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.AFSLAPIEMISVFMPIMSB인가 지역AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)
- GCash (Mynt)The Philippines' largest e-wallet, operating on a BSP e-money licence.EMIOPS인가 지역Philippines
- GoPayIndonesian wallet and payments arm of GoTo.PJPE-money인가 지역Indonesia
- GrabPaySuper-app wallet licensed across Southeast Asia.MPIE-moneyEMI인가 지역SingaporeMalaysiaIndonesiaPhilippinesThailandVietnam
- NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL인가 지역SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia
- PayPayJapanese QR wallet registered for funds transfer and prepaid instruments.Funds transferPrepaid인가 지역Japan
- PhonePeIndian wallet, UPI and bill payments business under RBI authorisations.PPIPABBPOU인가 지역India
- RazorpayIndian payment aggregator holding domestic and cross-border RBI authorisations.PAPA-CB인가 지역India
- ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL인가 지역SingaporeUnited KingdomUnited States
- TossKorean fintech holding electronic financial business registrations and a banking licence.Electronic financial businessBanking인가 지역South Korea
- XenditSoutheast Asian payments infrastructure licensed country by country.PJPOPSMSB인가 지역IndonesiaPhilippinesMalaysiaThailandVietnam
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.AcquiringRPS인가 지역United Arab EmiratesSaudi ArabiaEgyptJO
- RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI인가 지역United 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.IPPSPMMOPSSP인가 지역UruguayBrazilMexicoArgentinaColombiaChilePeruNigeriaSouth AfricaIndia
- EBANXLatin American payment methods and local acquiring.IPPSP인가 지역BrazilMexicoArgentinaColombiaChilePeru
- Mercado PagoLatin America's largest fintech, licensed as a payment institution and bank across the region.IPPSPIFPEBanking인가 지역BrazilArgentinaMexicoColombiaChilePeruUruguay
- StoneBrazilian merchant acquiring and banking for SMBs.IPBanking인가 지역Brazil
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.PSSPMMOPSPEMIMSB인가 지역NigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada
- M-PESA (Safaricom)The original mobile money service, licensed per market.E-moneyPSP인가 지역KenyaTanzaniaGhanaEgyptSouth Africa
- OPayNigerian and Egyptian wallet and payments group.MMOPSSPPSB인가 지역NigeriaEgypt
- PaystackMerchant payments across West and East Africa, owned by Stripe.PSSPPSPMMO인가 지역NigeriaGhanaKenyaSouth Africa
라이선스 약어디렉터리에서 보게 될 약어입니다.
- 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.
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