Papaya Ltd

About this institution

Dated events for Papaya Ltd, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 21 Oct 2026

   Cross-checked against the Malta Financial Services Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 30 Apr 2012

   Licence granted by the Malta Financial Services Authority

Position in the Malta register

Papaya Ltd is one of 43 e-money institutions on the Malta register, 43 of which are currently active. Its licence is the 2nd oldest of the 43 dated Malta EMI authorisations, one of 2 granted in 2012.

Is your money safe with Papaya Ltd?

Papaya Ltd holds an e-money authorisation from Malta Financial Services Authority, 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.

How e-money safeguarding works → Verify on the register →

Under the EU passporting regime, Papaya Ltd can provide services across the following EEA jurisdictions, in addition to its home authorisation in Malta.

• Slovakia8
• Germany8
• Czech Republic8
• Cyprus8
• France8
• Croatia8
• Netherlands8
• Austria8
• Lithuania8
• Romania8
• Portugal8
• Slovenia8
• Sweden8
• Hungary8
• Latvia8
• Denmark8
• Italy9
• Greece9
• Finland8
• Ireland8
• Luxembourg8
• Bulgaria8
• Poland8
• Norway8
• Iceland8
• Belgium8
• Spain9
• Liechtenstein8
• Estonia8

Authorised activities (PSD2 / EMD2)

Payment-services activities Papaya Ltd is permitted to carry out under its licence, as recorded in the register.

• ✓Execution of payment transactions where funds are covered by credit linePSD2_4
• ✓Issuance of electronic moneyEMI_ISSUANCE
• ✓Cash withdrawal services on a payment accountPSD2_2
• ✓Issuing payment instruments and acquiring payment transactionsPSD2_5
• ✓Safeguarding of customer fundsSAFEGUARDING
• ✓Cash deposit services on a payment accountPSD2_1
• ✓Execution of payment transactions on a payment accountPSD2_3

Frequently asked questions

Is PAPAYA LTD a licensed e-money institution?

Yes. PAPAYA LTD holds EMI authorisation from Malta Financial Services Authority in Malta, licence reference C55146. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates PAPAYA LTD?

PAPAYA LTD is authorised and supervised by Malta Financial Services Authority in Malta. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is PAPAYA LTD's licence or FRN number?

PAPAYA LTD's licence reference number is C55146. 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 PAPAYA LTD authorised in other EEA countries?

Yes. PAPAYA LTD 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 Malta

• Alpha FX Europe Limited
• ALT21 Europe Limited
• Andaria Financial Services Limited
• Ballinger EU Limited
• BP23 PAY Ltd
• C2D Payment Solutions Ltd
• Calida Financial Ltd
• Ceevo Financial Services (Malta) Limited

View all institutions in Malta →

Registered office

Street

Level 1, Suite no. 5, Tower Business Centre, Tower Street, Swatar

City

Birkirkara, BKR 4013