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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

830 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All Active Defunct Withdrawn Inactive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 C447645

Payoma Ireland Limited

EMI · Ireland

Verified active as of the last cross-check against the Central Bank of Ireland register.

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

Active

VerifiedFCA 900217

Payoma Limited

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900996

Payoneer Europe B.V.

EMI · United Kingdom

Verified against the Financial Conduct Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA R161387

Payoneer Europe B.V.

EMI · Netherlands

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA C189473

Payoneer

EMI · Ireland

Verified active.

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

Active

VerifiedFCA 966835

Payoneer Payment Services (UK) Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900170

PAYONE GmbH

EMI · United Kingdom

Licence confirmed against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

Defunct

VerifiedFCA 123367

PAYONE GmbH

EMI · Germany

Verified active.

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

Active

VerifiedFCA 994790

PayPal UK Ltd

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 900594

PayrNet Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 927991

PAYRON LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900015

Paysafe Financial Services Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA C184986

Skrill

EMI · Ireland

Verified active.

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

Active

VerifiedFCA C185005

Paysafe Prepaid Services Limited

EMI · Ireland

Verified active.

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

Active

VerifiedFCA 33874548

PaySaxas Oy

EMI · Finland

Verified active.

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

Active

VerifiedFCA 902061

PaysecureCard Kft

EMI · United Kingdom

Licence reference 902061 is recorded as defunct.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA C443739

PAYSEND EU DESIGNATED ACTIVITY COMPANY

EMI · Ireland

Verified active.

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

Active

VerifiedFCA 900004

PaySend PLC

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA LB000251

"Paysera LT", UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 900094

Paysera LT UAB

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Defunct

VerifiedFCA 900920

Pay Set Limited

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB000434

Payswix, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 32633836

PAY TEN EU korlátolt felelősségű társaság

EMI · Hungary

Licence confirmed against the Magyar Nemzeti Bank register.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA C453020

Kraken

EMI · Ireland

Verified active.

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

Active

VerifiedFCA 1010381

PAYWARD SERVICES LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB002075

Paywho, UAB

EMI · Lithuania

Verified active.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 901086

PAYWISER LIMITED

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA IEN112

PBZ CARD d.o.o.

EMI · Croatia

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA LB001895

PCS Transfer, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA 6707

PECUNPAY

EMI · Spain

Verified active against the Banco de Espana register as of the last cross-check.

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

Active

VerifiedFCA 1023849

PERATERA UK LTD

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 931425

PESAPEER PAYMENTS LIMITED

EMI · United Kingdom

Verified active.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 6853633000

Petrol Pay družba za izdajo elektronskega denarja in plačilne storitve, d. o. o.

EMI · Slovenia

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.2

Active

VerifiedFCA 900979

PFS Card Services (Ireland) Limited

EMI · United Kingdom

Verified against the FCA Financial Services Register.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA C175999

PFS Card Services (Ireland) Ltd

EMI · Ireland

Licence confirmed against the Central Bank of Ireland register.

Cross-border reachRegional
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA C 110242

PH EMI Limited

EMI · Malta

Verified active as at the last cross-check against the Malta Financial Services Authority register.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating2.0

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.