European Union / EEA

Sites das autoridades

• EBAEuropean Banking Authority — with national competent authorities
• ECBEuropean Central Bank — banking supervision
• ESMAEuropean Securities and Markets Authority

• Electronic Money InstitutionEMIUnder EMD2: issue e-money and provide payment services, with passporting across the EEA.E-money & stored valueFonte oficial
• Payment InstitutionPIUnder PSD2: provide payment services without issuing e-money — the classic licence for PSPs and acquirers.

  Atividades permitidas

  PSD2 payment services as authorised by the home-state competent authority (listed on the EBA Payment Institutions Register).

  Detentores típicos

  EEA PSPs and acquirers that do not issue e-money.

  Caminho do pedido

  Authorisation by the national competent authority; listed on the EBA register, with passporting notifications for host states.

  Limites principais

  Own-funds and safeguarding rules apply. Passporting does not replace local AML registration where required.

  Payment institution / PSPFonte oficial
• Account information & payment initiation servicesAISP / PISPOpen-banking roles under PSD2 — read account data or initiate payments on the user's behalf.Payment institution / PSPFonte oficial
• Credit institution licenceCredit institutionFull banking licence under CRD/CRR; the ECB supervises significant institutions directly.Banking & deposit-takingFonte oficial
• Crypto-Asset Service ProviderCASPMiCA authorisation for custody, exchange and transfer services in crypto-assets, passportable across the EU.Crypto-asset & VASPFonte oficial

Uma amostra escolhida a dedo para orientação — não é o registro completo.

• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIPAutorizada emEuropean Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
• Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSLAutorizada emUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFAutorizada emUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPIAutorizada emUnited StatesEuropean Union / EEAFRSingapore
• ClearBankA clearing bank for fintechs — the licensed layer under other brands.BankingEMIAutorizada emUnited KingdomEuropean Union / EEA
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPIAutorizada emUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
• FiservMerchant acquiring and issuer processing at scale.MTLEMIAutorizada emUnited StatesUnited KingdomEuropean Union / EEA
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLAutorizada emUnited KingdomAustraliaUnited StatesEuropean Union / EEA
• KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMIAutorizada emEuropean Union / EEAUnited KingdomUnited StatesAustralia
• ModulrEmbedded payments and accounts on a UK e-money licence with EU passporting.EMIAPIAutorizada emUnited KingdomEuropean Union / EEA
• MollieEuropean PSP holding Dutch payment and e-money licences with EEA passporting.PIEMIAutorizada emEuropean Union / EEAUnited Kingdom
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLAutorizada emCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLAutorizada emUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLAutorizada emUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBAutorizada emUnited KingdomUnited StatesCanadaEuropean Union / EEA
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPIAutorizada emUnited KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLAutorizada emEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPIAutorizada emUnited StatesEuropean Union / EEAUnited KingdomSingapore
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLAutorizada emUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan
• TrueLayerOpen-banking payments and data across the UK, EU and Australia.AISP / PISPEMIAutorizada emUnited KingdomEuropean Union / EEAAustralia
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLAutorizada emUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia
• WorldlineEuropean payment and acquiring group with licensed entities in several markets.PIBankingAFSLAutorizada emEuropean Union / EEAUnited KingdomAustralia

Região

• United Kingdom
• Switzerland
• Gibraltar
• Liechtenstein