What is the difference between an authorised EMI, a small EMI and a PI?

An authorised EMI can issue e-money without a volume cap and, in the EEA, can passport its services into other member states. A small EMI operates below a regulatory threshold for average outstanding e-money, carries lighter requirements and cannot passport. A payment institution (PI) is authorised to provide payment services but cannot issue e-money.

How are the listings in this directory verified?

Every entry is cross-checked against the issuing regulator's own public record — the FCA Financial Services Register in the UK and the EBA EUCLID register across the EEA. Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.

Is money held with an EMI protected like a bank deposit?

No. E-money is not covered by a deposit-guarantee scheme such as the UK's Financial Services Compensation Scheme. Instead, EMIs must safeguard customer funds by holding them separately from the firm's own money, so that balances can be returned to customers if the firm fails.

How current is the data?

Listings are re-checked against the competent-authority registers on a weekly cadence, and each record shows when it was last verified.

EMI register: licensed e-money institutions

839 institutions · EMI

Every authorised e-money institution across the UK and the EEA, each cross-checked against the FCA Financial Services Register and the EBA EUCLID register. Filter by licence type, live status or EEA passporting, or search by firm name and reference number.

Licence:

All EMI Small EMI Exempted EMI PI

Status:

All Active Defunct Withdrawn Inactive

Passporting:

All With EEA passport

VerifiedFCA 942777

Paynetics UK Limited

EMI · United Kingdom

Verified active. Paynetics UK Limited holds a UK licence for distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900355

Paynetworx Group Ltd

EMI · United Kingdom

Verified active. Paynetworx Group Ltd holds a current UK e-money licence granted by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 0506763929

Paynovate

EMI · Belgium

Verified active. Paynovate, a Belgian electronic-money institution, holds an active licence from the National Bank of Belgium.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 900970

Paynovate SA

EMI · United Kingdom

Verified inactive. Paynovate SA, a United Kingdom-based entity, holds an EMI licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Defunct

VerifiedFCA 900801

Paynovus AD

EMI · United Kingdom

Verified defunct. PAYNOVUS AD held an electronic money institution licence granted in the United Kingdom.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA LB000250

Paynt, UAB

EMI · Lithuania

Verified active. Paynt UAB holds the Lithuanian electronic money licence LB000250 issued by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA C447645

Payoma Ireland Limited

EMI · Ireland

Verified active. Payoma Ireland Limited holds a current Irish e-money licence.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 900217

Payoma Limited

EMI · United Kingdom

Verified active. Payoma Limited holds a UK electronic money licence granted by the FCA. The licence authorises safeguarding of customer funds.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA R161387

Payoneer Europe B.V.

EMI · Netherlands

Verified active. Payoneer Europe B.V. holds a current Dutch e-money licence. The licence, issued by De Nederlandsche Bank, authorises issuance of electronic money.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900996

Payoneer Europe B.V.

EMI · United Kingdom

Verified defunct. Payoneer Europe B.V. held licence reference 900996, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA C189473

Payoneer

EMI · Ireland

Verified active. Payoneer Europe Limited holds a current Irish e-money licence issued by the Central Bank of Ireland.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA 966835

Payoneer Payment Services (UK) Limited

EMI · United Kingdom

Verified active. Payoneer Payment Services (UK) Limited holds a UK e-money licence authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900170

PAYONE GmbH

EMI · United Kingdom

Licence status cross-checked against the FCA Financial Services Register: PAYONE GmbH holds authorisation reference 900170 as an electronic money institution, but operational status is recorded as defunct.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Defunct

VerifiedFCA 123367

PAYONE GmbH

EMI · Germany

Verified active. PAYONE GmbH holds a current German e-money licence. The licence authorises cash deposit services on a payment account.

Cross-border reachPan-European
Service scopeFull-service
Reader rating3.8

Active

VerifiedFCA 994790

PayPal UK Ltd

EMI · United Kingdom

Verified active. PayPal UK Ltd holds an EMI licence from the FCA, authorising issuance of electronic money, safeguarding of customer funds, and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900594

PayrNet Limited

EMI · United Kingdom

Verified active. PayrNet Limited holds a current UK e-money licence (reference 900594) under the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 927991

Payron Limited

EMI · United Kingdom

Verified active. PAYRON LIMITED holds a current UK electronic money licence, reference 927991, granted 14 June 2021.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900015

Paysafe Financial Services Limited

EMI · United Kingdom

Verified active. Paysafe Financial Services Limited holds a current UK e-money licence under the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C184986

Skrill

EMI · Ireland

Verified active: Paysafe Payment Solutions Limited, trading as Skrill, holds licence (C184986) authorised by the Central Bank of Ireland.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.6

Active

VerifiedFCA C185005

Paysafe Prepaid Services Limited

EMI · Ireland

Verified active. Paysafe Prepaid Services Limited holds a current Irish e-money licence (C185005) issued by the Central Bank of Ireland.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.1

Active

VerifiedFCA 33874548

PaySaxas Oy

EMI · Finland

Verified active. PaySaxas Oy is a licensed Electronic Money Institution in Finland.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA 902061

PaysecureCard Kft

EMI · United Kingdom

Verified defunct. PaysecureCard Kft was a UK-based electronic money institution authorised by the FCA.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA C443739

Paysend EU Designated Activity Company

EMI · Ireland

Verified active. PAYSEND EU DESIGNATED ACTIVITY COMPANY holds licence C443739 issued by the Central Bank of Ireland.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA 900004

PaySend PLC

EMI · United Kingdom

Verified active. PaySend PLC holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA LB000251

"Paysera LT", UAB

EMI · Lithuania

Verified active. Paysera LT, UAB holds a current Lithuanian electronic money licence. Activities include account information services, cash deposit services on a payment account, payment initiation services.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA 900094

Paysera LT UAB

EMI · United Kingdom

Verified defunct. Paysera LT UAB holds an Electronic Money Institution licence issued by the FCA.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Defunct

VerifiedFCA 900920

Pay Set Limited

EMI · United Kingdom

Verified active. Pay Set Limited holds a current UK e-money licence (FCA reference 900920).

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000434

Payswix, UAB

EMI · Lithuania

Verified active. Payswix, UAB holds a current Lithuanian e-money licence issued by the Bank of Lithuania.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA 32633836

PAY TEN EU korlátolt felelősségű társaság

EMI · Hungary

Verified active. PAY TEN EU korlátolt felelősségű társaság holds a current Hungarian e-money licence as of the last check.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA C453020

Kraken

EMI · Ireland

Verified active. Payward Ireland Limited, trading as Kraken, holds a current Irish e-money licence (C453020) issued by the Central Bank of Ireland.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 1010381

Payward Services Limited

EMI · United Kingdom

Verified active. PAYWARD SERVICES LIMITED holds a current UK e-money licence (ref 1010381) issued by the Financial Conduct Authority on 20 February 2025.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB002075

Paywho, UAB

EMI · Lithuania

Verified active. Paywho, UAB holds a Lithuanian e-money licence authorized by the Bank of Lithuania under reference LB002075, granted 15 April 2021.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901086

Paywiser Limited

EMI · United Kingdom

Verified defunct. PAYWISER LIMITED in the United Kingdom held an electronic money institution licence authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA IEN112

PBZ CARD d.o.o.

EMI · Croatia

Verified active. PBZ CARD d.o.o. holds a current Croatian electronic money licence. The licence authorises issuance of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001895

PCS Transfer, UAB

EMI · Lithuania

Verified active. PCS Transfer, UAB holds a current Lithuanian electronic money licence from the Bank of Lithuania.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.7

Active

VerifiedFCA 6707

Pecunpay

EMI · Spain

Verified active. PECUNIA CARDS E.D.E., S.L. holds a current Spanish e-money licence from Banco de Espana.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating2.8

Active

About this directory

An e-money institution (EMI) is a firm authorised to issue electronic money and to provide payment services such as payment accounts, cards and transfers. In the UK these firms are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; across the EEA they are authorised by a national competent authority under the E-Money Directive and listed in the European Banking Authority’s central register.

This directory brings those separate registers into one place. Each entry records the firm’s licence type — authorised EMI, small EMI or payment institution — its home regulator, reference number and current authorisation status, and is re-checked against the source register on a weekly cadence. Listings whose licence has been withdrawn, lapsed or suspended are flagged or filtered out rather than left to go stale.

Frequently asked questions

What is an e-money institution (EMI)?: An e-money institution is a firm authorised to issue electronic money — a digital store of prepaid funds — and to provide related payment services such as payment accounts, cards and transfers. In the UK, EMIs are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; across the EEA they are authorised by their national competent authority under the E-Money Directive and recorded in the European Banking Authority's central register.
What is the difference between an authorised EMI, a small EMI and a PI?: An authorised EMI can issue e-money without a volume cap and, in the EEA, can passport its services into other member states. A small EMI operates below a regulatory threshold for average outstanding e-money, carries lighter requirements and cannot passport. A payment institution (PI) is authorised to provide payment services but cannot issue e-money.
How are the listings in this directory verified?: Every entry is cross-checked against the issuing regulator's own public record — the FCA Financial Services Register in the UK and the EBA EUCLID register across the EEA. Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.
Is money held with an EMI protected like a bank deposit?: No. E-money is not covered by a deposit-guarantee scheme such as the UK's Financial Services Compensation Scheme. Instead, EMIs must safeguard customer funds by holding them separately from the firm's own money, so that balances can be returned to customers if the firm fails.
How current is the data?: Listings are re-checked against the competent-authority registers on a weekly cadence, and each record shows when it was last verified.