Instituições de pagamento autorizadas
Instituições de pagamento agrupadas por região, com as licenças que detêm e os países em que são autorizadas. Compilado de registros públicos de autoridades — uma amostra de orientação, não o registro completo.
40 jurisdições · 105 tipos de licença · 57 autoridades · 46 instituições
Compilado de fontes públicas das autoridades — Sites das autoridades
North America
11Federal 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.MTLMSBEMIAFSLAutorizada emUnited StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEABuscar cobertura
- CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPIAutorizada emUnited StatesEuropean Union / EEAFRSingaporeBuscar cobertura
- CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPIAutorizada emUnited StatesEuropean Union / EEAUnited KingdomDESingaporeAustraliaBuscar cobertura
- FiservMerchant acquiring and issuer processing at scale.MTLEMIAutorizada emUnited StatesUnited KingdomEuropean Union / EEABuscar cobertura
- MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMIAutorizada emUnited StatesUnited KingdomAustraliaSingaporeBuscar cobertura
- NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSLAutorizada emCanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustraliaBuscar cobertura
- PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSLAutorizada emUnited StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndiaBuscar cobertura
- PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSLAutorizada emUnited StatesEuropean Union / EEAUnited KingdomAustraliaSingaporeBuscar cobertura
- RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSLAutorizada emUnited StatesCanadaUnited KingdomAustraliaBuscar cobertura
- RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPIAutorizada emUnited StatesEuropean Union / EEAUnited KingdomSingaporeBuscar cobertura
- StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSLAutorizada emUnited StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapanBuscar cobertura
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.BankingMTLEMIAFSLMPISVFIPAutorizada emEuropean Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab EmiratesBuscar cobertura
- Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVFAutorizada emUnited KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapanBuscar cobertura
- GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTLAutorizada emUnited KingdomAustraliaUnited StatesEuropean Union / EEABuscar cobertura
- KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMIAutorizada emEuropean Union / EEAUnited KingdomUnited StatesAustraliaBuscar cobertura
- PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSBAutorizada emUnited KingdomUnited StatesCanadaEuropean Union / EEABuscar cobertura
- PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPIAutorizada emUnited KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexicoBuscar cobertura
- RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSLAutorizada emEuropean Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndiaBuscar cobertura
- WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSLAutorizada emUnited KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysiaBuscar cobertura
Asia-Pacific
3From 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.AFSLAPIEMISVFMPIMSBAutorizada emAustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)Buscar cobertura
- NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSLAutorizada emSingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysiaBuscar cobertura
- ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTLAutorizada emSingaporeUnited KingdomUnited StatesBuscar cobertura
Middle East
1CBUAE, SAMA and the Gulf fintech hubs, plus Israel and Türkiye.
- RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPIAutorizada emUnited KingdomIsraelUnited StatesSingaporeMexicoBrazilBuscar cobertura
Africa
1Mobile money and PSP licensing from Nigeria to Kenya and South Africa.
- FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSBAutorizada emNigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanadaBuscar cobertura
Abreviações de licençasOs códigos que você verá em todo o diretório.
- 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.
Uma referência curada, não é aconselhamento jurídico nem é exaustiva. Confirme o alcance de qualquer licença com a autoridade antes de se basear nela.