Authorised Payment Institution

制度要点

Permitted activities

Payment services listed in the Payment Services Regulations (execution, remittance, acquiring, PIS, etc.).

Typical holders

UK PSPs that have outgrown the small-PI turnover cap, or that want to passport historically-granted permissions.

Capital / bonds

Own-funds requirements apply under the PSR; the exact method depends on the services provided. No public single-number substitute.

Application path

Authorisation by the FCA under the Payment Services Regulations.

Key limits

Client funds must be safeguarded. This is not a banking licence and does not permit deposit-taking.

监管机构

Official source

名录为节选，只列公开披露持有该牌照的机构，不含牌照编号与经营数据。

• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLLicensed inUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndiaSearch coverage
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLLicensed inUnited StatesCanadaUnited KingdomAustraliaSearch coverage
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLLicensed inUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapanSearch coverage
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFLicensed inUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapanSearch coverage
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLLicensed inUnited KingdomAustraliaUnited StatesEuropean Union / EEASearch coverage
• ModulrEmbedded payments and accounts on a UK e-money licence with EU passporting.EMIAPILicensed inUnited KingdomEuropean Union / EEASearch coverage
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBLicensed inUnited KingdomUnited StatesCanadaEuropean Union / EEASearch coverage
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• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSBLicensed inAustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)Search coverage
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• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPILicensed inUnited KingdomIsraelUnited StatesSingaporeMexicoBrazilSearch coverage

United Kingdom的其他制度

• SPISmall Payment Institution
• EMIElectronic Money Institution
• RAISPRegistered Account Information Service Provider
• BankBank authorisation
• MLR registrationCryptoasset business registration