European Union / EEA

監管機構官網

• 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 value官方來源
• Payment InstitutionPIUnder PSD2: provide payment services without issuing e-money — the classic licence for PSPs and acquirers.

  允許辦理的業務

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

  典型持牌主體

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

  申請路徑

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

  重要限制

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

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

人工挑選的範例，便於對照制度；不是完整登記冊。

• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIP持牌地European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
• Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSL持牌地United StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF持牌地United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAFRSingapore
• ClearBankA clearing bank for fintechs — the licensed layer under other brands.BankingEMI持牌地United KingdomEuropean Union / EEA
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI持牌地United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
• FiservMerchant acquiring and issuer processing at scale.MTLEMI持牌地United StatesUnited KingdomEuropean Union / EEA
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL持牌地United KingdomAustraliaUnited StatesEuropean Union / EEA
• KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMI持牌地European Union / EEAUnited KingdomUnited StatesAustralia
• ModulrEmbedded payments and accounts on a UK e-money licence with EU passporting.EMIAPI持牌地United KingdomEuropean Union / EEA
• MollieEuropean PSP holding Dutch payment and e-money licences with EEA passporting.PIEMI持牌地European Union / EEAUnited Kingdom
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL持牌地CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL持牌地United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB持牌地United KingdomUnited StatesCanadaEuropean Union / EEA
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL持牌地European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAUnited KingdomSingapore
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan
• TrueLayerOpen-banking payments and data across the UK, EU and Australia.AISP / PISPEMI持牌地United KingdomEuropean Union / EEAAustralia
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia
• WorldlineEuropean payment and acquiring group with licensed entities in several markets.PIBankingAFSL持牌地European Union / EEAUnited KingdomAustralia

大區

• United Kingdom
• Switzerland
• Gibraltar
• Liechtenstein