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Buy an authorised payment institution (API) company

An authorised payment institution can execute payment transactions, run payment accounts and offer money remittance and acquiring. It cannot issue e-money. For many payment businesses this is the licence that fits the model, and an existing company can be the faster route.

What the licence allows

  • Execute payment transactions, including credit transfers and direct debits.
  • Provide money remittance and merchant acquiring.
  • Offer payment initiation and account information services, depending on the permissions granted.

Who usually buys one

  • Payment processors and gateways that move money for merchants.
  • Remittance and cross-border payment companies.
  • Platforms that need to pay out to sellers or contractors under their own authorisation.

Buying an existing company or applying new

Buy existingApply new
Time to operateDepends on the regulator's change-of-control reviewFull authorisation process
ScopeFixed by the permissions already on the licenceWhatever you apply for and are granted
Main riskPast compliance gaps carried into your ownershipRefusal, delay or restrictive conditions
Cost profilePurchase price plus due diligenceApplication, advisers, capital and staff before any revenue

What to check before you buy

  • Exact payment services listed on the licence, and whether they match your plan.
  • Safeguarding of client funds and the most recent audit.
  • Passporting or branch permissions in other countries.
  • AML and sanctions policies, plus the last independent review.
  • Outsourcing and agent arrangements.
  • Whether the company has live clients and what the contracts say about change of control.

Every sale is subject to regulator approval of the new owners. Timelines are set by the regulator and are not guaranteed.

Questions about API companies

Can an API company issue e-money?

No. Issuing e-money requires an e-money institution licence or a credit institution authorisation.

What is a small payment institution (SPI)?

A small payment institution is a restricted category with lower thresholds. It usually cannot passport services abroad and is limited in monthly payment volume.

Can I change the licensed activities after buying?

You can apply to vary permissions, but that is a separate regulatory process and is not guaranteed.

Does the seller's name stay on the licence?

The licence belongs to the company. The company can be renamed after the acquisition, subject to notifying the regulator.

Looking for a specific licence?

Tell us the licence type, region and budget. We reply with matching companies under NDA.

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