持牌支付機構

依大區排列的支付機構，附所持牌照與獲授權的國家 / 地區。依據監管機關公開名錄整理——供對照參考，不是完整登記冊。

40 個司法管轄區 · 105 項牌照制度 · 57 家監管機構 · 46 家持牌機構

整理自監管機構公開資訊 — 監管機構官網

North America

Federal and state licensing in the US, Canada and Mexico.

PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL持牌地United States United Kingdom European Union / EEA Hong Kong, China Australia Singapore India搜尋相關報導

Europe

EU/EEA passporting regimes, the UK, Switzerland and the EEA satellites.

RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL持牌地European Union / EEA United Kingdom United States Singapore Australia Japan Mexico Brazil India搜尋相關報導

Asia-Pacific

From MAS and HKMA to the RBI, BI and the mainland payment licence.

NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL持牌地Singapore United Kingdom United States Australia Hong Kong, China India Malaysia搜尋相關報導
PhonePeIndian wallet, UPI and bill payments business under RBI authorisations.PPIPABBPOU持牌地India搜尋相關報導
RazorpayIndian payment aggregator holding domestic and cross-border RBI authorisations.PAPA-CB持牌地India搜尋相關報導

Latin America

Brazil's payment institutions, Mexico's Fintech Law and the Andean regimes.

dLocalCross-border payments for global merchants in emerging markets, licensed locally.IPPSPMMOPSSP持牌地Uruguay Brazil Mexico Argentina Colombia Chile Peru Nigeria South Africa India搜尋相關報導

牌照縮寫速查名錄裡會出現的縮寫。

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.

這是一份人工整理的參考名錄，不是法律意見，也不保證窮舉。使用前請以監管機構公布的內容為準。