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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
469
2
Baltics
126
3
Mediterranean
113
4
Benelux
82
5
Nordics
53
6
Other EEA
51
7
Central Europe
47
8
Western Europe
29

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
    80Strong
  3. 3
    First Data GmbH
    GermanyGermany
    77Strong
  4. 4
    NE
    Neo Finance, AB
    LithuaniaLithuania
    77Strong
  5. 5
    Nexi Germany GmbH
    GermanyGermany
    77Strong
  6. 6
    PAYONE GmbH
    GermanyGermany
    77Strong
  7. 7
    ER
    Айкарт АД (предишно наименование Интеркарт Файнанс АД)
    BulgariaBulgaria
    77Strong
  8. 8
    Изи Пеймънт Сървисиз ООД
    BulgariaBulgaria
    77Strong
  9. 9
    EM
    EM@NEY P.L.C.
    MaltaMalta
    76Strong
  10. 10
    VA
    Valletta Credit Finance Corporation Ltd.
    MaltaMalta
    76Strong

Newcomers

Most recent authorisations on the register.

  1. 1
    ST
    Standard Chartered Luxembourg S.A.Luxembourg
  2. 2
    FA
    Fast Shift LimitedMalta
  3. 3
    RE
    REMITLY U.K., LTDUnited Kingdom
  4. 4
    WA
    WALLESTER UK LIMITEDUnited Kingdom
  5. 5
    CH
    Chirp B.V.Netherlands
  6. 6
    HI
    Hillgate Finance B.V./Hillgate FinanceNetherlands
  7. 7
    IL
    iLedgends B.V./emoniNetherlands
  8. 8
    PA
    PAY TEN EU korlátolt felelősségű társaságHungary
  9. 9
    ZE
    zerohash europeNetherlands
  10. 10
    ER
    Транзактиз ООДBulgaria
  11. 11
    NO
    NorthernTech SIALatvia
  12. 12
    ODOLA LTDUnited Kingdom

Free agents

Defunct or withdrawn authorisations.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

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

SME issuance

Revolut Ltd

United KingdomUnited Kingdom

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

3.9(408 notes)

Online merchant acquiring

Stripe

IrelandIreland

Default acquirer for European internet businesses.

4.7(127 notes)

Retail consumers

Curve UK Limited

United KingdomUnited Kingdom

Wallet-of-wallets retail spending experience.

2.8(199 notes)

Embedded finance

Mollie B.V.

NetherlandsNetherlands

Dutch payments stack popular with checkout platforms.

4.0(279 notes)

Bottom of the register

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

Lowest strength

EMBED PAY LTD

United KingdomUnited Kingdom

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

Strength 6/100

Recently withdrawn

Attach (Global) Limited

United KingdomUnited Kingdom

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.