Licensed payment institutions
Payment institutions grouped by region, with the licences they hold and the countries they are authorised in. Curated from public regulator registers — a roster for orientation, not the full register.
40 jurisdictions · 105 licence regimes · 57 regulators · 46 institutions
Curated from public regulator sources — Regulator sites
North America
8Federal 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.MTLMSBEMIAFSLLicensed inUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEASearch coverage
- CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPILicensed inUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustraliaSearch coverage
- MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMILicensed inUnited StatesUnited KingdomAustraliaSingaporeSearch coverage
- NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLLicensed inCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustraliaSearch coverage
- PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLLicensed inUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndiaSearch coverage
- PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLLicensed inUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingaporeSearch 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
Europe
8EU/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.BankingMTLEMIAFSLMPISVFIPLicensed inEuropean Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab EmiratesSearch 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
- KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMILicensed inEuropean Union / EEAUnited KingdomUnited StatesAustraliaSearch coverage
- RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLLicensed inEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndiaSearch coverage
- TrueLayerOpen-banking payments and data across the UK, EU and Australia.AISP / PISPEMILicensed inUnited KingdomEuropean Union / EEAAustraliaSearch coverage
- WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLLicensed inUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysiaSearch coverage
- WorldlineEuropean payment and acquiring group with licensed entities in several markets.PIBankingAFSLLicensed inEuropean Union / EEAUnited KingdomAustraliaSearch coverage
Asia-Pacific
2From 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.AFSLAPIEMISVFMPIMSBLicensed inAustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)Search coverage
- NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLLicensed inSingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysiaSearch coverage
Licence abbreviationsThe codes you will see across the directory.
- 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.
A curated reference, not legal advice and not exhaustive. Confirm the scope of any licence with its regulator before relying on it.