Major Payment Institution

制度要点

允許辦理的業務

Specified payment services under the Payment Services Act 2019 once monthly transaction volume exceeds the SPI threshold.

典型持牌主體

Regional PSPs, acquiring platforms and e-wallet operators serving Singapore at scale.

申請路徑

Licence application to MAS under the PSA. Activity classes (account issuance, e-money, DPT, etc.) are selected in the application.

重要限制

Volume, safeguarding and base-capital rules are stricter than SPI. Conducting an unlicensed specified payment service is an offence.

监管机构

官方來源

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。

• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAFRSingapore搜尋相關報導
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI持牌地United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia搜尋相關報導
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL持牌地CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia搜尋相關報導
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAUnited KingdomSingapore搜尋相關報導
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan搜尋相關報導
• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIP持牌地European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates搜尋相關報導
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF持牌地United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan搜尋相關報導
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico搜尋相關報導
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL持牌地European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia搜尋相關報導
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia搜尋相關報導
• 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)搜尋相關報導
• GrabPaySuper-app wallet licensed across Southeast Asia.MPIE-moneyEMI持牌地SingaporeMalaysiaIndonesiaPhilippinesThailandVietnam搜尋相關報導
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL持牌地SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia搜尋相關報導
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL持牌地SingaporeUnited KingdomUnited States搜尋相關報導
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI持牌地United KingdomIsraelUnited StatesSingaporeMexicoBrazil搜尋相關報導

Singapore的其他制度

• SPIStandard Payment Institution
• MC / RMOMoney-changing & remittance licence
• DPTDigital Payment Token service