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 Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.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

322 institutions · with passporting

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All Active Defunct Withdrawn Inactive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 46552723

SKPAY, a. s.

EMI · Slovakia

Verified active.

Cross-border reachRegional
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 115.1.3.42

SLIQ PAYMENTS LTD (formerly named: (i) Zing Payments Ltd, (ii) GAP Vassilopoulos International E-commerce Network Ltd)

EMI · Cyprus

Verified active across the EEA.

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

Active

VerifiedFCA 422721274

Société financière du porte-monnaie électronique interbancaire

EMI · France

Verified active against the ACPR register as of the last cross-check.

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

Active

VerifiedFCA FR_ACPR!737174

Société Générale - Forge

EMI · France

Verified active against the ACPR register as at the most recent cross-check.

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

Active

VerifiedFCA C179925

Soldo

EMI · Ireland

Verified active.

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

Active

VerifiedFCA 115.1.3.58

SOLID PROCESSING LIMITED

EMI · Cyprus

Verified active.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA C184117

Square

EMI · Ireland

Verified active.

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

Active

VerifiedFCA C 104007

StablR Ltd

EMI · Malta

Verified active.

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

Active

VerifiedFCA 48004

Steven AB (previously Pei Development AB)

EMI · Sweden

Verified active.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating3.9

Active

VerifiedFCA C187865

Stripe

EMI · Ireland

Verified active.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.7

Active

VerifiedFCA LB001900

SumUp EU Payments UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA C195030

SumUp

EMI · Ireland

Verified active.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 115.1.3.26

Sureswipe E.M.I. PLC (Tradename: Revsto)

EMI · Cyprus

Verified active.

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

Active

VerifiedFCA 853827103

SWAN

EMI · France

Verified active as of the last cross-check against the Autorite de Controle Prudentiel et de Resolution register.

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

Active

VerifiedFCA 111248

Swiss Bankers Prepaid Services AG

EMI · Liechtenstein

Verified active.

Cross-border reachRegional
Service scopeMulti-service
Reader rating5.0

Active

VerifiedFCA C51532

SYSPAY Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA C66961

System Pay Services (Malta) Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA 59248

Talkremit AB

EMI · Sweden

Verified active.

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

Active

VerifiedFCA 300345

Tantum AG

EMI · Liechtenstein

Verified active.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating3.7

Active

VerifiedFCA 252199

TenX Payments Europe AG

EMI · Liechtenstein

Licence confirmed against the Liechtenstein Financial Market Authority register.

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

Active

VerifiedFCA 115.1.3.52

TFI ECOMMPAY LTD

EMI · Cyprus

Verified active as at the last cross-check against the Cyprus Securities and Exchange Commission register.

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

Active

VerifiedFCA 28135261

ThePay, a.s.

EMI · Czech Republic

Verified active.

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

Active

VerifiedFCA 40203344731

Sabiedrība ar ierobežotu atbildību

EMI · Latvia

Verified active as at the last cross-check.

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

Active

VerifiedFCA R185924

Tipalti B.V.

EMI · Netherlands

Verified active against De Nederlandsche Bank.

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

Active

VerifiedFCA 800759225

TORA WALLET SINGLE-MEMBER S.A.

EMI · Greece

Verified active.

Cross-border reachRegional
Service scopeMulti-service
Reader rating4.1

Active

VerifiedFCA LB000443

Transactive Systems, UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA C 91879

Transact Payments Malta Limited

EMI · Malta

Verified active.

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

Active

VerifiedFCA 807465059

Treezor SAS

EMI · France

Verified active.

Cross-border reachMulti-market
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA C 96757

Trumia Ltd

EMI · Malta

Verified active.

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

Active

VerifiedFCA LB000438

TRUSTCOM FINANCIAL UAB

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB002168

BLUE EMI LT

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000440

UAB "ConnectPay"

EMI · Lithuania

Verified active against the Bank of Lithuania register.

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

Active

VerifiedFCA LB001941

UAB "DV Payment"

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB001911

UAB "epayblock"

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB001896

UAB "Finansinės paslaugos "Contis"

EMI · Lithuania

Verified active.

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

Active

VerifiedFCA LB000490

UAB "Finolita Unio"

EMI · Lithuania

Verified active as of the last cross-check.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating4.3

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.