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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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All Active Defunct Withdrawn Inactive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 115.1.3.28

IPS Solutions Ltd (operating under the Trademark 'Payz')

EMI · Cyprus

Verified active. IPS Solutions Ltd, trading under the Payz trademark, holds an EMI licence.

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

Active

VerifiedFCA C 83377

iQash Limited

EMI · Malta

Verified active. iQash Limited holds a Maltese e-money licence, reference C 83377. The licence authorises payment transactions on a payment account, issuance of electronic money, safeguarding of customer funds, money remittance, and cash deposit services.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900871

ISX Financial EU plc

EMI · United Kingdom

Verified defunct. ISX Financial EU plc holds a UK e-money licence (ref 900871). The licence authorises distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 901034

ISX Financial UK Ltd

EMI · United Kingdom

Verified active. ISX Financial UK Ltd holds a current UK e-money licence issued by the FCA on 11 September 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 45505

iZettle AB

EMI · Sweden

Verified active. iZettle AB, a Swedish Electronic Money Institution, is authorised by the Swedish Financial Supervisory Authority to issue money and safeguard funds.

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

Active

VerifiedFCA 900106

iZettle AB

EMI · United Kingdom

Licence status confirmed against the FCA Financial Services Register. iZettle AB holds EMI authorisation under reference 900106, issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 115.1.3.55

JCC Payment Systems Limited

EMI · Cyprus

Verified active. JCC PAYMENT SYSTEMS LIMITED holds a current electronic money institution licence issued by the Central Bank of Cyprus.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.8

Active

VerifiedFCA 559419-5314

Jifiti Patorai AB

EMI · Sweden

Verified active. Jifiti Patorai AB holds a current Swedish e-money licence, as cross-checked against the Swedish Financial Supervisory Authority register.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000008

J. P. Morgan Mobility Payments Solution S.A.

EMI · Luxembourg

Verified active. J. P. Morgan Mobility Payments Solution S.A. holds a Luxembourg e-money licence from the Commission de Surveillance du Secteur Financier.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating2.9

Active

VerifiedFCA 900853

J.P. Morgan Mobility Payments Solutions S.A

EMI · United Kingdom

Licence reference 900853 is recorded as defunct. J.P. Morgan Mobility Payments Solutions S.A.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA C106164

Justcards (Europe) Limited

EMI · Malta

Verified active. Justcards (Europe) Limited holds a Maltese EMI licence C106164 under the Malta Financial Services Authority, granted 22 January 2025.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating2.7

Active

VerifiedFCA 900981

Kashet Ltd

EMI · United Kingdom

Verified active. Kashet Ltd holds a current licence granted by the Financial Conduct Authority on 5 December 2020.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1026130

KDMS Payments Ltd

EMI · United Kingdom

Verified active. KDMS PAYMENTS LTD is a United Kingdom (GB) unit authorised by the Financial Conduct Authority under licence type EMI, reference 1026130, granted 22 August 2025.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1020783

Keel Money Ltd

EMI · United Kingdom

Verified active. Keel Money Ltd holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900914

Kitakami Limited

EMI · United Kingdom

Verified active. Kitakami Limited holds a current United Kingdom electronic money licence 900914 under the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1021834

Klarna Financial Services UK Limited

EMI · United Kingdom

Verified active. KLARNA FINANCIAL SERVICES UK LIMITED holds a current licence granted on 28 July 2025 by the Financial Conduct Authority, reference 1021834.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA C98080

Koala Money Limited

EMI · Malta

Verified active. Koala Money Limited holds a Malta e-money licence issued by the Malta Financial Services Authority.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA LB002065

KogoPay UAB

EMI · Lithuania

Verified active. KogoPay UAB holds licence reference LB002065, licensed by the Bank of Lithuania on 4 March 2021.

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

Active

VerifiedFCA 900934

Koine Money Ltd

EMI · United Kingdom

Verified defunct. Koine Money Ltd was a UK electronic money institution authorised by the Financial Conduct Authority under licence 900934.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA 115.1.3.30

Koronapay Europe Limited

EMI · Cyprus

Verified active. Koronapay Europe Limited holds the Cyprus electronic money licence 115.1.3.30.

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

Active

VerifiedFCA 901067

Koronapay Europe Ltd

EMI · United Kingdom

Verified defunct. KORONAPAY EUROPE LTD, a UK-based electronic money institution, holds licence reference 901067 with the FCA.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Defunct

VerifiedFCA 926498

KP Pay Limited

EMI · United Kingdom

Verified active. KP PAY LIMITED holds a current United Kingdom e-money licence. Its authorisation covers safeguarding of customer funds, issuance of electronic money and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.66

LA Orange CY Limited

EMI · Cyprus

Verified active. LA ORANGE CY LIMITED holds a current Cyprus e-money licence. The licence, reference number 115.1.3.66, is issued by the Central Bank of Cyprus.

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

Active

VerifiedFCA 42457590

Larstal Denmark ApS

EMI · Denmark

Verified active. Larstal Denmark ApS holds a current Danish e-money licence as confirmed by the Danish Financial Supervisory Authority.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA 901001

Larstal Limited

EMI · United Kingdom

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

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 901074

Leatherback Ltd

EMI · United Kingdom

Verified active, Leatherback Ltd holds a current United Kingdom e-money licence 901074 issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Authorisation withdrawn

VerifiedFCA W000000018

LianLian Europe S.A.

EMI · Luxembourg

Verified active. LianLian Europe S.A. holds a Luxembourg e-money licence, authorised by the Commission de Surveillance du Secteur Financier.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 08658331007

Lis Pay SPA

EMI · Italy

Verified active. LIS PAY SPA holds a current Italian e-money licence issued by Banca d'Italia.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 900911

LQID Limited

EMI · United Kingdom

Verified defunct. LQID Limited held an Electronic Money Institution licence from the Financial Conduct Authority, reference 900911.

Cross-border reachDomestic
Service scopeSpecialist

Defunct

VerifiedFCA C186257

Lumon

EMI · Ireland

Verified active. Lumon FX Europe Limited holds a current Irish electronic money licence. Its authorisation covers issuing payment instruments and acquiring payment transactions.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 902022

Lumon Pay Ltd

EMI · United Kingdom

Verified active. LUMON PAY LTD holds a current UK e-money licence under reference 902022, authorising safeguarding of customer funds, issuance of electronic money, and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900929

Luxon Payments Limited

EMI · United Kingdom

Verified active. Luxon Payments Limited registered as an electronic money institution with the FCA (reference 900929) on 3 September 2019.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900153

Lycamoney Financial Services Ltd

EMI · United Kingdom

Active status: Lycamoney Financial Services Ltd holds a current United Kingdom electronic money licence (reference 900153) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 534479589

Lydia Solutions

EMI · France

Verified active. LYDIA SOLUTIONS holds a French e-money licence issued by the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA 330623414

LYF

EMI · France

Verified active. LYF, registered in France, is authorised by the Autorité de Contrôle Prudentiel et de Résolution.

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

Active

VerifiedFCA 927556

Maayan Payments Ltd

EMI · United Kingdom

Verified active. MAAYAN PAYMENTS LTD is listed on the UK register as an electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

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.