Licence number
827802737
Authorised since
26 Nov 2019
EEA passports
29
Profile rates
Data-derived · A is broadestThree named tiers comparing this institution against the rest of the European register.
- Reach
- Pan-EuropeanTier A
- Scope
- SpecialistTier C
- Tenure
- MatureTier B
Passports into 29 EEA jurisdictions.
Authorised for 4 payment-services activities.
Authorised 6 years ago.
About this institution
Verified active. CNOVA PAY holds a current French e -money licence. The licence is authorised by Autorité de Contrôle Prudentiel et de Résolution. It grants issuance of electronic money, issuing payment instruments and acquiring payment transactions, execution of payment transactions on a payment account, and safeguarding of customer funds. CNOVA PAY issues electronic money on behalf of its customers. CNOVA PAY issues payment instruments and acquires payment transactions. CNOVA PAY executes payment transactions on a payment account. CNOVA PAY safeguards customer funds in compliance with the licence. The licence covers both issuing and safeguarding functions, allowing CNOVA PAY to provide an entire range of electronic money services. The licence is active as of the last register cross-check.
The licence is passported to 29 host states. Passporting includes Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden. The passporting extends CNOVA PAY's operations to all listed host states. The licence covers cross -border electronic money operations across these EEA countries.
A data note: the licence was granted on 26 November 2019. The register records the licence as active. The authority, the reference number, and the status as at the last cross-check are Autorité de Contrôle Prudentiel et de Résolution, licence reference 827802737, active.
Licence timeline
3 dated eventsDated events for CNOVA PAY, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.
Cross-checked against the Autorite de Controle Prudentiel et de Resolution register
Automated daily verification of licence status and reference.
First verified and added to this directory
Licence granted by the Autorite de Controle Prudentiel et de Resolution
Position in the France register
France EMIs
30
Active
30
Full / small licences
29 / 1
Licence age rank
14/30
CNOVA PAY is one of 30 e-money institutions on the France register, 30 of which are currently active. Its licence is the 14th oldest of the 30 dated France EMI authorisations, one of 4 granted in 2019.
Is your money safe with CNOVA PAY?
CNOVA PAY holds an e-money authorisation from Autorite de Controle Prudentiel et de Resolution, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.
If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.
EEA passporting
29 jurisdictionsUnder the EU passporting regime, CNOVA PAY can provide services across the following EEA jurisdictions, in addition to its home authorisation in France.
Liechtenstein4
Iceland4
Croatia4
Ireland4
Malta4
Greece4
Finland4
Belgium4
Romania4
Italy4
Latvia4
Poland4
Spain4
Bulgaria4
Estonia4
Denmark4
Sweden4
Portugal4
Cyprus4
Netherlands4
Slovakia4
Austria4
Lithuania4
Germany4
Hungary4
Slovenia4
Luxembourg4
Norway4
Czech Republic4
Authorised activities (PSD2 / EMD2)
Payment-services activities CNOVA PAY is permitted to carry out under its licence, as recorded in the register.
- Safeguarding of customer fundsSAFEGUARDING
- Issuing payment instruments and acquiring payment transactionsPSD2_5
- Execution of payment transactions on a payment accountPSD2_3
- Issuance of electronic moneyEMI_ISSUANCE
Frequently asked questions
- Is CNOVA PAY a licensed e-money institution?
- Yes. CNOVA PAY holds EMI authorisation from Autorite de Controle Prudentiel et de Resolution in France, licence reference 827802737. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
- Who regulates CNOVA PAY?
- CNOVA PAY is authorised and supervised by Autorite de Controle Prudentiel et de Resolution in France. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
- What is CNOVA PAY's licence or FRN number?
- CNOVA PAY's licence reference number is 827802737. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.
- Is CNOVA PAY authorised in other EEA countries?
- Yes. CNOVA PAY is passported to 29 EEA jurisdictions, meaning it can provide e-money and payment services across those countries on its home authorisation.
Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.
Other licensed institutions in France
Registered office
- Street
- 120-126 Quai de Bacalan
- City
- BORDEAUX, 33000
Ratings & reader notes
84 ratings · 0 written notes
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- 4★17
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- 2★5
- 1★9
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