VerifiedFCA 900961
Authoripay Emoney Ltd
Small EMI · United Kingdom
Verified against the Financial Conduct Authority register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
EMI register: licensed e-money institutions
35 institutions · Small EMI · defunct
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.
VerifiedFCA 901059
Checkout SAS
Small EMI · United Kingdom
Licence confirmed defunct as at the last register cross-check.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900696
Clear Junction Digital Limited
Small EMI · United Kingdom
Verified inactive.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900109
Cloudzync Ltd
Small EMI · United Kingdom
Verified against the FCA register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900590
Comcarde Limited
Small EMI · United Kingdom
Verified defunct as of the last register cross-check.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 936014
Conto Group Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900848
Disberse Limited
Small EMI · United Kingdom
Licence status: defunct.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900777
DLocal Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900703
Fidelix Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 936270
Frost Money Ltd
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900114
Givta Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 901014
HRYZE FINANCIAL SERVICES LIMITED
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900795
ImpulsePay Ltd
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900845
Jando International UK Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 902035
Little Starts Gift Vouchers Limited
Small EMI · United Kingdom
Verified against the Financial Conduct Authority register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900093
MBNA Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Defunct
VerifiedFCA 900579
Monark Finans AB
Small EMI · United Kingdom
Verified against the Financial Conduct Authority register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 901045
Monerium EMI ehf
Small EMI · United Kingdom
Licence status: defunct.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900803
Moneyfold Ltd
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900555
Moorwand LTD
Small EMI · United Kingdom
Licence confirmed against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 932546
MTL Financial Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900785
Paynetics AD
Small EMI · United Kingdom
Verified against the Financial Conduct Authority register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 901075
Payoneer Europe Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900133
Payxpert UK Ltd
Small EMI · United Kingdom
Verified against the Financial Conduct Authority register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 902045
PECUNIA CARDS EDE, S.L.U.
Small EMI · United Kingdom
Licence confirmed against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 953987
People Places Lives Limited
Small EMI · United Kingdom
Verified against the FCA register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 902068
QuartzPay Limited
Small EMI · United Kingdom
Verified against the Financial Conduct Authority register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900841
Sabstone Ltd
Small EMI · United Kingdom
Verified against the FCA Financial Services Register as at the last cross-check: Sabstone Ltd held a Small EMI licence under reference 900841.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900048
Squidcard Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900967
Stork Group Ltd
Small EMI · United Kingdom
Licence verified as at register cross-check: Stork Group Ltd holds a Small EMI licence issued by the Financial Conduct Authority under reference 900967.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating4.0
Defunct
VerifiedFCA 900968
Sureswipe E.M.I. PLC
Small EMI · United Kingdom
Verified inactive.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900096
Univoucher Limited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register as at last cross-check: Univoucher Limited held a Small EMI licence.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900101
Uniware Systems Limiited
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 900885
Unlimint EU Ltd
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Defunct
VerifiedFCA 900139
Yoyo Wallet Ltd
Small EMI · United Kingdom
Verified against the FCA Financial Services Register.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
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.