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Cross-checked against the FCA + EBA registers

Licensed EMIsSee verified EMIs

Most recently licensed

Newly verified EMIs

Lead view ordered by this site’s editorial method. Below: secondary leaderboards by passporting footprint, PSD2 breadth, longevity, and recent register activity. Refreshed daily.

Regional standings

Where the European EMI register is licensed. Editorial grouping; UK shown separately so Western Europe excludes GB.

RegionTotal
1
United Kingdom
476
2
Baltics
126
3
Mediterranean
118
4
Benelux
91
5
Nordics
53
6
Other EEA
53
7
Central Europe
48
8
Western Europe
30

Strength Index

Single composite score across passporting reach, PSD2 breadth, and licence tenure. Weights 45 / 35 / 20.

Score / 100
  1. 1
    Rapyd
    IcelandIceland
    82Strong
  2. 2
    "Paysera LT", UAB
    LithuaniaLithuania
    81Strong
  3. 3
    First Data GmbH
    GermanyGermany
    78Strong
  4. 4
    Nexi Germany GmbH
    GermanyGermany
    78Strong
  5. 5
    PAYONE GmbH
    GermanyGermany
    78Strong
  6. 6
    NE
    Neo Finance, AB
    LithuaniaLithuania
    77Strong
  7. 7
    VA
    Valletta Credit Finance Corporation Ltd.
    MaltaMalta
    77Strong
  8. 8
    ER
    Айкарт АД (предишно наименование Интеркарт Файнанс АД)
    BulgariaBulgaria
    77Strong
  9. 9
    Изи Пеймънт Сървисиз ООД
    BulgariaBulgaria
    77Strong
  10. 10
    EM
    EM@NEY P.L.C.
    MaltaMalta
    76Strong

Newcomers

Most recent authorisations on the register.

  1. 1
    PH
    PHOTON DANCE FINTECH UK LIMITEDUnited Kingdom
  2. 2
    QI
    Qivalis B.V.Netherlands
  3. 3
    AR
    ArmadilloPay Ireland LimitedIreland
  4. 4
    MO
    MoonPay Europe B.V.Netherlands
  5. 5
    ST
    Strikkie Gifting B.V.Netherlands
  6. 6
    CO
    Cosmolin B.V.Netherlands
  7. 7
    PL
    PLIANT PAYMENTS LIMITEDUnited Kingdom
  8. 8
    RE
    REBELL S.P.A.Italy
  9. 9
    IL
    ILLIPAYFrance
  10. 10
    NS
    NSAVE LTDUnited Kingdom
  11. 11
    RE
    REMITLY U.K., LTDUnited Kingdom
  12. 12
    ER
    МУВУ България ЕООДBulgaria

Free agents

Defunct or withdrawn authorisations. Grant date shown when withdrawal date not on record.

  1. 1
    PR
    Privalgo B.V.Netherlands
  2. 2
    Leatherback LtdUnited Kingdom
  3. 3
    AIRWALLEX (UK) LIMITEDUnited Kingdom
  4. 4
    AL
    Alipay (Europe) Limited S.A.United Kingdom
  5. 5
    Allstar Business Solutions LimitedUnited Kingdom
  6. 6
    Amazon Payments Europe S.C.A.United Kingdom
  7. 7
    AM
    American Express Advanced Services Europe LimitedUnited Kingdom
  8. 8
    AP
    APS Financial LtdUnited Kingdom
  9. 9
    ASOS Payments UK LimitedUnited Kingdom
  10. 10
    AT
    Attach (Global) LimitedUnited Kingdom

All-Star team

Editor's picks across five categories. Subjective; not derived from rankings above.

Cross-border money movement

Wise Payments Limited

United KingdomUnited Kingdom

Multi-currency accounts and tight FX spreads at scale.

3.8(195 ratings)

SME issuance

Revolut Ltd

United KingdomUnited Kingdom

Multi-account, multi-card SME stack with deep passporting.

3.9(408 ratings)

Online merchant acquiring

Stripe

IrelandIreland

Default acquirer for European internet businesses.

4.7(127 ratings)

Retail consumers

Curve UK Limited

United KingdomUnited Kingdom

Wallet-of-wallets retail spending experience.

2.8(199 ratings)

Embedded finance

Mollie B.V.

NetherlandsNetherlands

Dutch payments stack popular with checkout platforms.

4.0(279 ratings)

Bottom of the register

Counterpoint to the All-Star team. Every card is data-derived from the public register or reader reviews.

Lowest strength

Ypsilon EMI Services B.V.

NetherlandsNetherlands

Active record with the weakest combined reach, scope and tenure on file.

Strength 6/100

Recently withdrawn

Privalgo B.V.

NetherlandsNetherlands

Authorisation has been withdrawn on the public register.

Licence withdrawn

Status: defunct

AIRWALLEX (UK) LIMITED

United KingdomUnited Kingdom

Regulator marks this institution as defunct rather than active.

Status defunct

Lowest rated

TRUSTIE TECHNOLOGY LIMITED

United KingdomUnited Kingdom

Reader reviews skew negative.

1.0/5 from 1 reviews

Reference data sourced from the FCA Financial Services Register and the EBA EUCLID register; refreshed daily. Editorial groupings and picks documented inline.