Profile rates
Data-derived · A is broadestThree named tiers comparing this institution against the rest of the European register.
- Reach
- RegionalTier C
- Scope
- SpecialistTier C
- Tenure
- GrowingTier C
Passports into 2 EEA jurisdictions.
Authorised for 4 payment-services activities.
Authorised 2 years ago.
About this institution
Verified active. Pay.cetera B.V. holds a current Netherlands e-money licence issued by De Nederlandsche Bank on 26 October 2023. The licence authorises four core activities: issuance of electronic money, issuing payment instruments and acquiring payment transactions, money remittance, and safeguarding of customer funds. Licence reference R189095 confirms this scope across the entity's home market and beyond.
The register lists two EEA host states into which this licence is passported: Austria and Germany. This cross-border reach allows pay.cetera to operate payment services across these jurisdictions under single authorisation from its Dutch regulator.
Data note: the register holds no record of additional EEA passporting beyond the two states named above. As at the last cross-check against De Nederlandsche Bank's records, the entity's authorisation continues in active status. Reference R189095, De Nederlandsche Bank, active.
Licence timeline
3 dated eventsDated events for pay.cetera B.V., from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.
Cross-checked against the De Nederlandsche Bank register
Automated daily verification of licence status and reference.
First verified and added to this directory
Licence granted by the De Nederlandsche Bank
Position in the Netherlands register
Netherlands EMIs
62
Active
62
Full / small licences
31 / 31
Licence age rank
39/62
pay.cetera B.V. is one of 62 e-money institutions on the Netherlands register, 62 of which are currently active. Its licence is the 39th oldest of the 62 dated Netherlands EMI authorisations, one of 8 granted in 2023.
Is your money safe with pay.cetera B.V.?
pay.cetera B.V. holds an e-money authorisation from De Nederlandsche Bank, 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
2 jurisdictionsUnder the EU passporting regime, pay.cetera B.V. can provide services across the following EEA jurisdictions, in addition to its home authorisation in Netherlands.
Germany3
Austria3
Authorised activities (PSD2 / EMD2)
Payment-services activities pay.cetera B.V. is permitted to carry out under its licence, as recorded in the register.
- Issuing payment instruments and acquiring payment transactionsPSD2_5
- Issuance of electronic moneyEMI_ISSUANCE
- Money remittancePSD2_6
- Safeguarding of customer fundsSAFEGUARDING
Frequently asked questions
- Is pay.cetera B.V. a licensed e-money institution?
- Yes. pay.cetera B.V. holds EMI authorisation from De Nederlandsche Bank in Netherlands, licence reference R189095. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
- Who regulates pay.cetera B.V.?
- pay.cetera B.V. is authorised and supervised by De Nederlandsche Bank in Netherlands. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
- What is pay.cetera B.V.'s licence or FRN number?
- pay.cetera B.V.'s licence reference number is R189095. 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 pay.cetera B.V. authorised in other EEA countries?
- Yes. pay.cetera B.V. is passported to 2 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 Netherlands
Registered office
- Street
- Kaldenkerkerweg 2
- City
- VENLO, 5913AD
Ratings & reader notes
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