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
EMI register: licensed e-money institutions
995 institutions
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 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 901016
Payver Limited
Small EMI · United Kingdom
Verified active. Payver Limited holds a UK e-money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
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 900133
Payxpert UK Ltd
Small EMI · United Kingdom
Status as at the last register cross-check: defunct. Payxpert UK Ltd is a UK small e-money institution authorised by the Financial Conduct Authority under licence reference 900133.
- 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 18640022
PCKT Money Oyj
Small EMI · Finland
Verified active. PCKT Money Oyj is a Finnish small electronic money institution operating under a licence granted on 30 December 2015.
- Cross-border reachDomestic
- Service scopeMulti-service
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
VerifiedFCA 902045
Pecunia Cards Ede, S.L.U.
Small EMI · United Kingdom
Verified defunct, PECUNIA CARDS EDE, S.L.U. held a Small EMI licence under reference 902045 issued by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 953987
People Places Lives Limited
Small EMI · United Kingdom
Verified defunct. People Places Lives Limited was a Small Electronic Money Institution authorised by the Financial Conduct Authority, reference 953987.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA 1023849
Peratera UK Ltd
EMI · United Kingdom
Verified active. PERATERA UK LTD holds a current FCA e-money licence under reference 1023849.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Active
VerifiedFCA 931425
Pesapeer Payments Limited
EMI · United Kingdom
Verified active. PESAPEER PAYMENTS LIMITED holds a current UK e-money licence, reference 931425, granted 13 July 2021 by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 6853633000
Verified active. Petrol Pay družba za izdajo elektronskega denarja in plačilne storitve, d.
- 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. PFS Card Services (Ireland) Limited holds licence reference 900979 under United Kingdom jurisdiction.
- Cross-border reachDomestic
- Service scopeSpecialist
Defunct
VerifiedFCA C175999
PFS Card Services (Ireland) Ltd
EMI · Ireland
Verified active. PFS Card Services (Ireland) Ltd holds an Electronic Money Institution licence from the Central Bank of Ireland, reference C175999.
- Cross-border reachRegional
- Service scopeMulti-service
- Reader rating4.0
Active
VerifiedFCA C 110242
PH EMI Limited
EMI · Malta
Verified active. PH EMI Limited, Malta, holds licence C 110242 issued by the Malta Financial Services Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating2.0
Active
VerifiedFCA 1042732
Photon Dance Fintech UK Limited
EMI · United Kingdom
Verified active. PHOTON DANCE FINTECH UK LIMITED holds a current UK e-money licence (LICENCE 1042732) issued by the Financial Conduct Authority on 16 October 2026.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA W00000014
PingPong Europe S.A.
EMI · Luxembourg
Verified active. PingPong Europe S.A. holds a current Luxembourg EMI licence granted 23 October 2020.
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating4.1
Active
VerifiedFCA 974154
PingPong Payment (UK) Limited
EMI · United Kingdom
Verified active. PingPong Payment (UK) Limited holds a UK e-money licence, reference 974154, granted 13 April 2023 by the FCA.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 900937
Pintail AG
EMI · United Kingdom
Verified against the FCA Financial Services Register. Pintail AG holds licence reference 900937 as a UK-authorised electronic money institution.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating5.0
Defunct
VerifiedFCA 231633
Pintail AG
EMI · Liechtenstein
Verified active, Pintail AG holds a current Liechtenstein e-money licence authorised by the Liechtenstein Financial Market Authority.
- Cross-border reachRegional
- Service scopeSpecialist
- Reader rating3.6
Active
VerifiedFCA 927960
Pixxles Ltd
EMI · United Kingdom
Verified active. PIXXLES LTD maintains a current UK electronic money licence issued by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
- Reader rating3.0
Active
VerifiedFCA 1029250
Plata Capital UK Limited
EMI · United Kingdom
Verified active. PLATA CAPITAL UK LIMITED holds a UK electronic money licence (reference 1029250) authorised by the Financial Conduct Authority.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 05330769
Platon Payments s.r.o.
Small EMI · Czech Republic
Verified active. Platon Payments s.r.o. holds a current Czech small e-money licence issued by the Czech National Bank on 1 June 2017.
- Cross-border reachDomestic
- Service scopeSpecialist
Active
VerifiedFCA 39155435
Pleo Financial Services ApS
EMI · Denmark
Verified active. Pleo Financial Services ApS holds a Danish e-money licence (ref 39155435).
- Cross-border reachPan-European
- Service scopeMulti-service
- Reader rating2.7
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.