Authorised Payment Institution

制度要点

允许开展的业务

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

典型持牌主体

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

资本 / 担保

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

申请路径

Authorisation by the FCA under the Payment Services Regulations.

重要限制

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

监管机构

官方来源

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.MSBMTLEMIAPISVFAFSL持牌地United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia搜索相关报道
• RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL持牌地United StatesCanadaUnited KingdomAustralia搜索相关报道
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan搜索相关报道
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF持牌地United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan搜索相关报道
• GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL持牌地United KingdomAustraliaUnited StatesEuropean Union / EEA搜索相关报道
• ModulrEmbedded payments and accounts on a UK e-money licence with EU passporting.EMIAPI持牌地United KingdomEuropean Union / EEA搜索相关报道
• PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB持牌地United KingdomUnited StatesCanadaEuropean Union / EEA搜索相关报道
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL持牌地European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia搜索相关报道
• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSB持牌地AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)搜索相关报道
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL持牌地SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia搜索相关报道
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL持牌地SingaporeUnited KingdomUnited States搜索相关报道
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI持牌地United KingdomIsraelUnited StatesSingaporeMexicoBrazil搜索相关报道

United Kingdom的其他制度

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