Equilex

Payment & Fintech License

To lawfully offer payment services, remittance, e-money issuance, acquiring, or other regulated financial operations, you must have the proper payment or fintech license in the markets you are targeting. You can extend your services across jurisdictions, use banking infrastructure, and adhere to AML/CTF regulations if your payment or fintech business has the appropriate license.

Whether you need a Small Payment Institution, EMI, MSB, MSO, AUSTRAC registration, or a full financial services license, the regulatory framework that best fits your needs will depend on your business model, anticipated transaction volumes, operational structure, and financial resources.

We guide you through every step of the application, approval, and structuring process from the beginning, including drafting company strategies, AML/CTF policies, risk analyses, and regulatory paperwork. In order to find the most effective and scalable solution, we can help with jurisdiction comparison.

Check out the payment and fintech license alternatives below or get in touch with our team directly for a customized recommendation and anticipated timeframe.

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Available payment & fintech licenses

  • AFSL in Australia

    An Australian Financial Services (AFS) license is a legal authorization for an individual or business to conduct financial services operations in Australia and is required for businesses that deal with, advise on, or manage financial products.

    Read more: AFSL in Australia

  • MSB in USA

    A US Montana MSB registration is a FinCEN-registered money services business incorporated in Montana, commonly used by fintech, payment, remittance, and crypto companies seeking a streamlined US regulatory structure.

    Read more: MSB in USA

  • MSO in Hong Kong

    Hong Kong licence for currency exchange and cross-border remittance, supervised by Customs and Excise. Local director and physical office required.

    Read more: MSO in Hong Kong

  • PIS in Mauritius

    Providing payment accounts or wallets, money remittance, PSP collating payments from cards and remittance to merchants.

    Read more: PIS in Mauritius

  • SPI (MIP) in Poland

    Fast-track Polish payment institution regime for PSPs that need regulated status to launch payment flows (transfers, cards, acquiring, remittance) without going straight into full EMI.

    Read more: SPI (MIP) in Poland

  • SRO in Switzerland

    A pragmatic Swiss AML-supervised setup for crypto/fiat payment and exchange, brokerage, and credit businesses via membership in a FINMA-authorized SRO.

    Read more: SRO in Switzerland

  • FSP Registration in New Zealand

    FSPR registration is the mandatory first step for businesses and individuals providing financial services in New Zealand. Many regulated activities also require a separate licence from the Financial Markets Authority (FMA), making New Zealand a two-step registration and licensing regime.

    Read more: FSP Registration in New Zealand

  • MSB Registration in Canada

    FINTRAC registration covering crypto currency transactions, money transfers, bill payments on behalf of clients, crowdfunding and PSP services.

    Read more: MSB Registration in Canada

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