VerifiedFCA 944721
Payally Limited
EMI · United Kingdom
Verified active. PAYALLY LIMITED holds an EMI licence from the Financial Conduct Authority (944721) granted 13 December 2021.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
EMI register: licensed e-money institutions
809 institutions · active
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 125314
PayCenter GmbH
EMI · Germany
Verified active. PayCenter GmbH holds a current German e-money licence granted by the Bundesanstalt fur Finanzdienstleistungsaufsicht.
- Cross-border reachRegional
- Service scopeFull-service
- Reader rating2.3
Active
VerifiedFCA R189095
pay.cetera B.V.
EMI · Netherlands
Verified active. pay.cetera B.V. holds a current Dutch e-money licence (R189095) issued 26 October 2023.
- Cross-border reachRegional
- Service scopeSpecialist
Active
VerifiedFCA C 109162
Paydo EU Ltd
EMI · Malta
Verified active. Paydo EU Ltd holds a current Maltese e-money licence (C 109162) granted by the Malta Financial Services Authority.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.1
Active
VerifiedFCA 900043
Payen Limited
EMI · United Kingdom
Verified active. Payen Limited holds licence 900043 issued by the FCA on 30 April 2018. The authorisation covers issuance of electronic money, safeguarding customer funds, and distribution and redemption of electronic money.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA C 107340
Payfuture FS MT LTD.
EMI · Malta
Verified active. PAYFUTURE FS MT LTD holds a current Maltese e-money licence reference C 107340.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.9
Active
VerifiedFCA 987096
Payhawk Financial Services Limited
EMI · United Kingdom
Verified active. PAYHAWK FINANCIAL SERVICES LIMITED is a United Kingdom electronic money institution.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA LB002200
Payhawk Financial Services
EMI · Lithuania
Verified active. Payhawk Financial Services UAB holds a current Lithuanian e-money licence issued by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeFull-service
- Reader rating4.3
Active
VerifiedFCA C 86493
Payhound Limited
EMI · Malta
Verified active. Payhound Limited holds a current Malta electronic money licence issued by the Malta Financial Services Authority.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA LB001876
Paylar, UAB
EMI · Lithuania
Verified active. Paylar, UAB holds a current Lithuanian e-money licence from the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating3.8
Active
VerifiedFCA 942184
Payler Ltd
EMI · United Kingdom
Verified active. Payler Ltd holds a current UK e-money licence from the Financial Conduct Authority, reference 942184, granted 22 November 2021.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Active
VerifiedFCA 930619
Payment Card Solutions (UK) Limited
EMI · United Kingdom
Verified active. PAYMENT CARD SOLUTIONS (UK) LIMITED is authorised by the FCA under Licence Ref 930619.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 04863020
Payment Corporation SE
Small EMI · Czech Republic
Verified active. Payment Corporation SE holds a Small EMI licence from the Czech National Bank.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA C451387
Dojo
EMI · Ireland
Verified active. Paymentsense Ireland Limited, trading as Dojo, holds an electronic money licence issued by the Central Bank of Ireland.
- Cross-border reachPan-European
- Service scopeSpecialist
- Reader rating4.0
Active
VerifiedFCA 900925
Paymentsense Limited
EMI · United Kingdom
Verified active. Paymentsense Limited holds a current EMI licence (900925) issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Active
VerifiedFCA LB002054
Paymont, UAB
EMI · Lithuania
Verified active. PAYMONT UAB holds a current Lithuanian e-money licence (LB002054) authorised by the Bank of Lithuania.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating3.8
Active
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 05927994
Paynovatio a.s.
Small EMI · Czech Republic
Verified active. Paynovatio a.s. holds a Small EMI licence granted on 24 July 2017 by the Czech National Bank.
- Cross-border reachDomestic
- Service scopeMulti-service
Active
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 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 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 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
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.